23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

At or around XXXX XXXX someone, I believed to be a friend of mine, arrived at my residence. We traveled to XXXX XXXX XXXX XXXX in XXXX, OK. 
When we arrived at XXXX XXXX XXXX XXXX ; I exited the vehicle, entered the casino and processed an ATM withdrawal of $ XXXX. We then began gambling. 
At some point I noticed my phone was missing. I then began to search for said person so that we could got check if my phone was in the car. I found my phone between the center console and front passenger seat. At that time, we agreed for her to drop me back off and left. 
A couple of days go by, and I went to use my Current Bank debit card for something and realized it was missing. I went on my phone to pause the card and that's when I found out about all the fraudulent transactions that had been made with my card. My account has been completely drained. 
XXXX I contacted said supposed friend via text message. When I questioned hee about the missing Current Bank debit card and the unauthorized debit card transactions, she admitted to making them. I told her that I was contacting XXXX XXXX Police Department, Current Bank and XXXX 
I filed the report and contacted both institutions. I provided both institutions with a copy of the report, and they both are giving me a huge runaround. Both institutions are claiming that their investigations " found no error ''. They don't want to credit my $ back, even though I followed due process. 
This is ridiculous. I've been doing research, and what these institutions are doing to me is unethical and illegal. 
I am a victim, and am being treated as if I'm the criminal.
Product: Debt collection

Please review previous complaint, case number XXXX. I believe the current issue is related to this case. 

During an interview last week ( XXXX XXXX, XXXX ) with a federal agent to renew my security clearance with the federal government, I was made aware of negative entries on my XXXX credit report, specifically XXXX references to a XXXX XXXX account that is supposedly in collections. The dollar amount is similar to a previous case ( See my complaint, case # XXXX ) where a debt was mistakenly attributed to me and I was targeted by a collection agency. As you can see from the attached documentation and from the notes in the previous case, this debt was never mine and was eventually cleared ( supposedly ). In a letter dated XXXX XXXX, XXXX, the Collection agency stated that XXXX XXXX notified them that the account had been cancelled and removed. 

I am not sure the XXXX accounts listed on my current credit report are related or not. However, I have never been contacted by XXXX XXXX at any time, and I have never been contacted by a collection agency since this issue was supposedly cleared last year. The reference to it on my credit report is my only indication of a problem. I have already disputed both accounts with XXXX. 

This debt is not, and never has been mine. I know nothing about it other than what I see on my credit report. However, now it is directly affecting my credit rating, and worse, it may potentially affect my security clearance and therefore my prospects for future employment.
Product: Credit reporting or other personal consumer reports

Fraudulent inquiry reporting to Transunion that I did not authorize. 
XXXX XXXX XXXXXXXX ( Bank ) XX/XX/2023 XXXX
Product: Credit reporting or other personal consumer reports

BE ADVISED, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or TransUnion ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my consumer reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ).

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity shall CEASE and Desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository/ agency that could be inaccurate or invalidated.
Product: Debt collection

Please refer to Complaint XXXX I repeatedly disputed a medical bill that I was not familiar with. The amount is {$940.00} for a XXXX XXXX. During the time of the procedure I was pregnant and covered by state healthcare. I should not have had any medical expenses. XXXX  XXXX are not typically performed on XXXX XXXX. I have no reason to have had a XXXX XXXX  I contacted the original creditor in which they informed me the bill belong to another patient with my same name but a different DOB. Contacted the collection agency again and was given the run around. I asked that they verify the debt. They refused. Filed CFPB complaint XXXX to help get this resolved. It came back validated once again. I then called the original creditor to get additional details. My assumption was that if the medical bill was, in fact, mine then I should be able to get my test results and medical records. I could not. It was determined again, that the bill belonged to another patient. The original creditor emailed the collection agency her findings. 

I am concerned about the due diligence of collections agencies, credit reporting agencies, and consumer protection agencies. For a debt to be returned " validated '' repeatedly when it was not is very concerning.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. There were three credit cards opened under my legal name and has impaired my credit file. I have made several attempts to get this matter resolved with the creditors. However, they keep denying my fraud claim because of the age of the account. I have reported this to all three credit bureaus. I have filed several Identity Theft Reports with the FTC. This matter needs to be resolved because my credit report is damaged. 

The following accounts are in question : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my XXXX XXXX. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau did not comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX Date of Inquiry : XX/XX/XXXX ; XXXX XXXX Date of Inquiry : XX/XX/XXXX ; XXXX XXXX Date of Inquiry : XX/XX/XXXX ; XXXX Date of Inquiry : XX/XX/XXXX ; XXXX  Date of Inquiry : XX/XX/XXXX ; XXXX XXXX Date of Inquiry : XX/XX/XXXX ; XXXX  XXXX I Date of Inquiry : XX/XX/XXXX ; XXXX Date of Inquiry : XX/XX/XXXX ; XXXX XXXX Date of Inquiry : XX/XX/XXXX ; EQUIFAX XXXX XXXX Date of Inquiry : XX/XX/XXXX ; XXXX XXXX Date of Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX of Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX of Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX ; XXXX XXXX Date of Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out letters to Transunion, XXXX and XXXX about removing this charge off from XXXX XXXX in the amount of {$11000.00}. I was told that all the information was verified. Which isn't true because the amounts and dates are are all different. 

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account/s below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Never had a signed agreement with XXXX XXXX to charge interest.
Product: Mortgage

XXXX, XXXX a loan modification was completed on my account. At that time, the FHA HAMP Loan Modification offered an incentive of applying a {$5000.00} payment to loan balance in year six. I have spoken to multiple Wells Fargo employees in the Home Preservation Department, and their Executive Office regarding the matter. All employees were oblivious, and one stated that my account didnt qualify due to it being suspended during the Pandemic, and also due to Hurricane Ida although I was working with XXXX XXXX  program that received Federal Funding to help homeowners with the suspended payments. Wells Fargo was/is working with this program, and my account did not default as there was an unforeseen Global Pandemic as well as a Catastrophic Hurricane. 

In XXXX, I was working with XXXX XXXX of Wells Fargo in the Loan Modification Department. Numerous signed documents, including the Dodd-Frank Certification ( DFC ) form was submitted to Wells Fargo dated XX/XX/XXXX and is a qualification for the HAMP Year Six Pay for Performance Incentive. The information regarding the Incentive can be found at XXXXXXXX Pay For Performance, or at XXXX Home Affordable Modification Program Year Six Pay For Performance Incentive. The mortgagee is supposed to submit an application to the government, for the Incentive payment to be disbursed. 

On today, I spoke to a representative at the FHA Resource Center ( Reference Number XXXX ). I was provided information regarding a lenders responsibility Under Section 6 of RESPA. Based on the HAMP Loan Modification, HUD must receive a correct and complete claim submission Parts A and B of form HUDXXXX via FHA Connection or FHA Catalyst within 60 Days of the execution date of the : Claim Type XXXX XXXX -FHA-HAMP Loan Modification . 

In Conclusion, I need this matter thoroughly reviewed by a knowledgeable employee. The proper incentive needs to be applied to my loan balance, or legal action will be taken as a violation of RESPA due to failure to comply with Section 6s provisions.
Product: Credit reporting or other personal consumer reports

What I'm trying to say here is that I am a victim of credit fraud cause Someone has loans in my name... Right now and I've tried getting a hold of credit againces and I can't get a word in edge wise ..I can't talk to anyone.. I need help getting these people prosecuted if possible and then I want to get my reports erased due to being the victim of credit fraud..And some how having my information leaked to where people now have all im personal information using my line of credit..
Product: Money transfer, virtual currency, or money service

This payment was supposed to be for a deposit towards the rental. It was Fraud. 
They mislead me with false charges towards a rental that never existed. 
I've tried to contact these scammers multiple times for a refund. No response or refund. This has caused a hardship. 
This amount goes with the other disputes i filed in the past towards the rental lease. Its all fraud and was a scam. 
This case should combine with my previous disputes as one combined request of fraud. 
Id appreciate it if you reopen the case and label this as fraud. 
I have sent all of my records and documents to the email prior to this. 
Here are the additional payments that i recognized in addition to previosu amounts i filed a dispute for. 
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
Product: Debt collection

I sent out letters of validation of debt via live signature on contract via certified mail and I have been sent no information.
Product: Checking or savings account

In the beginning of the month, XX/XX/XXXX my chime account was charged 7 times variants of {$230.00} from XXXX, I changed my password, PIN number and got a new chime card. On the XXXX my card got charged the same amount from chime and I started a dispute on the same day. My dispute number is XXXX from chime.
Product: Checking or savings account

I make deposit with my bank and it on hold for10 business days. Spoke with Manager of Customer Service XXXX XXXX out of XXXX PA. Very abrasive and do not want listen any think ask about his boss, he give no name saying he will call you back in 3 Business days.
Product: Debt collection

National Credit systems nor the original creditor XXXX XXXX XXXX  ever sent me anything in the mail in regards to this debt. I never knew about these alleged charges until they appeared on my credit report. National Credit systems won't investigate this debt thoroughly. The supposed Itemized list sent to the collection agency was never given to me nor was I ever aware or notified of a balance owed. I did not get the opportunity to speak with the original creditor about this alleged debt or why I was being charged anything. I never got the chance to dispute this with the original creditor or even try to go to court for this alleged debt. I never received any pictures documents etc before it just appeared on my credit report. Had I have not tried to dispute this information I would have never knew it was allegedly owed. The original creditor XXXX XXXX XXXX  had my forwarding address email as well as my phone number. And they never tried to get in contact with me for this alleged debt so that I can try to pay it off or dispute it directly with them. Before we'll rain from this unit. I was required to fill out a notice with my forwarding address as well as email and phone number. So they do have those documents on file. National credit systems just keep sending an itemized list provided by the original creditor however, as I stated before, I was never given that information. It has also been passed the time frame in which this debt can be collected via the Colorado security deposit law. Overall had I have known about this debt before hand I could've had a better opportunity to get a handle on it.
Product: Money transfer, virtual currency, or money service

Dear XXXX, I am writing to file a formal complaint against Cash App regarding their mishandling of fraudulent transactions on my account and their refusal to accept key evidence proving that I was a victim of a scam. Below are the details of my experience : Issue Description I became aware that I had been scammed and that fraudulent transactions occurred on my Cash App account between XX/XX/year> and XX/XX/year>. After realizing the fraudulent activity, I promptly reported the issue to Cash App on XX/XX/year>. 

Cash App instructed me to dispute all charges from XX/XX/year> through XX/XX/year>, which I did. However, despite Cash App agents filing the disputes on my behalf, all of the disputes were denied without a clear explanation. Furthermore, Cash App blocked my Cash App card and claimed I had violated their rules, even though I was the victim of a scam. 

Attempts to Provide Proof of Fraud In an effort to substantiate my claim and prove that I was scammed, I attempted to provide Cash App with multiple pieces of documentation : A report filed with the FBI regarding the fraudulent activity. 
A complaint I filed with the Consumer Financial Protection Bureau ( CFPB ) regarding the scam. 
Unfortunately, Cash App refused to accept any of this evidence as proof that I fell victim to a scam. This refusal has left me in a frustrating and unfair position, where my efforts to prove my innocence and recover my funds have been ignored. 

Punitive Actions by Cash App After denying my disputes and refusing to accept evidence of fraud, Cash App took further punitive action. They blocked my Cash App card, citing a violation of their rules, even though I am the victim in this situation. I have not been informed of any specific rule I allegedly violated, and I have not been given a chance to appeal this decision. 

Attempts to Resolve the Issue I have made several attempts to resolve this issue directly with Cash App, but to no avail. Below are the steps I have taken : On XX/XX/year>, I reported the fraudulent activity to Cash App customer service. 
Cash App instructed me to dispute all charges from XX/XX/year> through XX/XX/year>. I followed these instructions, and Cash App agents filed the disputes. 
All of my disputes were denied, and I was not provided with a satisfactory explanation. 
After denying the disputes, Cash App blocked my card, citing a violation of their rules, but did not specify the rule I violated. 
I submitted proof of the scam ( FBI report and CFPB complaint ), but Cash App refused to accept these as valid evidence. 


.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX. Judge XXXX XXXX XXXX of the United States Bankruptcy Court, District of Minnesota ; signed 5 orders disallowing claim for further payment on my private student loans, through a company called XXXX ( XXXX ) XXXX XXXX XXXX. These 5 claimes are for each lender that XXXX " claimed '' to have ownership of my loans. The 1 original company that had ownership was called XXXX. XXXX went bankrupt and closed in XXXX XXXX XXXX  refused to acknowledge this Bankruptcy and closure of XXXX  and continued to request payments and harrass me. They changed my privacy policy to list a subsidiary company of XXXX known as XXXX XXXX XXXX XXXX. as the new lender. This was after I informed them of the closure. They told me that they needed to be informed by XXXX of their closure in order to do anything about it. XXXX continued to charge me until I went into Bankruptcy XX/XX/XXXX. Before this XXXX  attempted to tell me that XXXX XXXX was my new lender. XXXX XXXX denied being my lender. They claimed to be the lender for a XXXX  XXXX  of only 1 % of the total loan. However, in XXXX XXXX XXXX cut business ties to XXXX to to fraudulent activities on XXXX side. XXXX was and still claims that XXXX XXXX is a lender. They also changed my privacy policy AGAIN after this happened. XXXX also has XXXX XXXX  listed on my credit report as a current lender. XXXX XXXX  has no record of my accounts. Every company that XXXX has claimed as a lender has been given an order to disallow claim. I have filed multiple claims with the credit Bureaus, and each time they dismiss my claims by allowing XXXX to not show any documents or proof that XXXX, XXXX XXXX, XXXX, and now XXXX XXXX XXXX XXXX has my loans. XXXX and XXXX no longer exist, XXXX XXXX  has no record of my accounts as of current. They opened the loans in XXXX and immediately sold to XXXX. XXXX XXXX XXXX  trust was designated as soon as I filed for bankruptcy and XXXX was privy to me fitting to discharge my loans. XXXX, XXXX, Expirian wont take anymore disputes. There is always an error that happens that im informed of. XXXX has also said they refuse to comply with the court order. They said that the claims have to show extreme financial hardship. Last time I checked the only way to have student loans discharged in Bankruptcy is to prove just that very thing. That is how I have 5 orders. Because I infact am experiencing an extreme financial hardship. My bankruptcy was just closed, so it currently shows that the accounts are closed, but they are kn fact still open, and XXXX refuses to correct the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam, I checked my personal credit report on XXXX XXXX, which I had noticed from your company an unauthorized credit inquiry had been made for a new credit card without my permission or consent. The Date of this erroneous inquiry was made on XX/XX/XXXX. I will attach a screen shot of it on my file from my XXXX XXXX account. I had called XXXX XXXX XXXX XXXX XXXX about this matter and was assured this would be handled as I do not have any new credit cards with them.
Product: Debt collection

My debit went into collections with Midland credit Management. The agreement was to pay 50 dollars a month on time, if not paid on time as agreed upon it will no long be valid and further legal action will be taken. The settlement of the agreement was 800 dollars as of XX/XX/2022, because of paying on time. Paid the 800 dollars in full in XXXX of 2022. Filed a dispute and contact the creditor and they stated it was paid in full and did not have to deduct 50 from my account anymore which they didn't which would have came out on XX/XX/XXXX but paid in full with a representative on XX/XX/2022. If account was not settled as agreed upon then why 50 dollars was not deducted from my account. Why because I met the agreement. When check my report they added the remaining amount to my report which is also incorrect would like this matter to be resolved. Have dispute this creditor on two occasions with no solution please look into this matter thank you