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

I got an alert on XX/XX/2022 that my banking information was being used for a transaction in Delaware for XXXX dollars while I was at home in Pennsylvania which is hours away from Delaware. I immediately got on the phone with chime customer service to alert them that this transaction was not me and not authorized by me and I have no idea how my banking information is being used for an unauthorized transaction of XXXX dollars at a gas station in Delaware. They said it was still pending so it may not settle and gave me a ticket number of XXXX for my phone call alerting to them that my banking information was illegally being used to make a purchase without my consent. I waited for the transaction to be cleared off and my money refunded to me but then I noticed chime allowed the transaction to settle even tho I told them this transaction was not me! I then called again to file a dispute and they took all my information and asked me some questions and told me a dispute was filed well they came back and said it was closed. They did absolutely nothing for me they allowed me to be robbed even tho I told them the minute I got the alert of XXXX dollars being deducted from my account for a charge I didn't even make was not me! There has been storied of people 's banking information being stolen through skimming and I believe that is what happened to my banking information. I have not disputed anything with my bank before and the one time I do they do not do anything to help me get my money back that was stolen from me right before XXXX, money that I need for my kids and bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX {$360.00} XX/XX/XXXX {$1800.00} XX/XX/XXXX {$360.00} XX/XX/XXXX {$8300.00} I been reaching out to the credit companies and these Creditors for 5 months. I have also filed a cfpb complaint on XX/XX/XXXX and on XX/XX/XXXX they stated they would respond back within 30 days.They have yet to send me any proof of these original application with a signature so I can figure out who did these accounts in my name.I have also sent them a notazied affidavit about these fraud accounts. 
The only Creditor who responded was commenity and the sent a letter saying this account was opened around XXXX, XXXX. On my credit report it states this was open in XXXX. This is totally fraud on my credit report.
Product: Checking or savings account

THIS LETTERS COMMING FROM XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX CASE # XXXX AND CASE # XXXX XXXX MAJOR PROBLEM IS NO ONE SIGNED NONE OF THIS LETTERS OR EVEN PUT A NAME ON THEM AT ALL. 


OTHER CONCLUSIONS OF THE LIES AND FRAUD ON THE PART OF XXXX XXXX PERSONEL. THESE ARE RESPONSES FROM BANK LETTER RECEIVED ON XXXX THAT THE CLAIM WAS RE-EVALUTED PER MY REQUEST AND THE DECISION WAS MADE AND APPROVED THE CLAIM. HOWEVER THEY DID NOT APPROVED THE ( 3 ) WITHDRAWLS THAT WERE NOT MINE {$600.00} ON XXXX/XXXX/XXXX AND {$2100.00} ON XXXX/XXXX/XXXX AND {$1.00} ON SAME DAY OF XXXX/XXXX/XXXX THEY THEN SENT A LETTER RESPONSE XXXX/XXXX/XXXX STATING THE ACCOUNT WAS CLOSED ON XXXX/XXXX/XXXX AND WAS CLOSED BY THE BANK. NOW THEY ALSO STATE THAT THOSE WITHDRAWLS WERE MADE AT THE BANK AND THAT THE DRIVERS LICENSE WAS USED AS WELL AS A DEBIT CARD ENDING ON XXXX. 
1- I NEVER WHENT TO THE BANK AND DID THOSE WITHDRAWLS.

2- I NEVER HAD A XXXX DEBIT CARD. 
3- I NEVER USED MY DRIVERS LICENSE AS VERIFICATION OF ANY TYPE. 
4- HERE IS MY BEST ONE- I ALWAYS ONLY USE U.S. DEPARTMENT OF HOMELAND SECURITY IDS ( 2 ) HAVE MY PICTURES AND ID NUMBERS AND SIGNATURES BY THE COMMISIONER AND ME AS WELL AS APPROPIATE STAMPS 5- I WAS A XXXX XXXX FOR 28 YEARS.

6- WHAT HAD TAKEN PLACE WAS APPROPIATELY DONE BY ME WITHIN THE APPROPIATE TIME WHEN ALL THIS WAS FOUND OUT AND THE BANK WAS CONTACTED MULTIPLE TIMES.

7- THIS CLAIM WAS NEVER CLOSED BY XXXX XXXX AND ONE OF TH EMAIN REASONS IS THEY NEVER GAVE ME MY MONEY BACK TAKEN OUT OF MY ACCOUNT AND THE BANK NEVER TOOK A LOSS OF {$1800.00} AS YOU STATED ON THE LETTER DATED XXXX/XXXX/XXXX SINCE YOU WERE NEVER TO DEBIT THE ACCOUNT AND YOU CLOSED THE ACCOUNT BUT THIS IS REDICULOS THIS AMOUNT OF MONEY WAS TAKEN OUT OF MY ACCOUNT PERIOD THE BANK NEVER LOSS ANYTHING..
Product: Checking or savings account

XXXX  XXXX, XXXX, I was scammed by a perpetrator false identifying as a loan agent under he XXXX XXXX. The perpetrator was clever enough to use XXXX XXXX XXXX, Logo, And legal agreements to gain access to my Chase Checking Account ending in XXXX and make claims in reversals of payments that were already made. The amounts that Chase did not honor due to me being scammed are in the amounts of - {$1000.00} + - {$620.00} + - {$220.00} + - {$550.00} + - {$550.00} + - {$550.00} + - {$400.00}.
Product: Credit reporting or other personal consumer reports

Experian is reporting inaccurate information on my consumer report. There are several nonmailable addresses on my consumer report. My name is also misspelled. I have asked Experian to update my consumer report and they have failed to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Code XXXX - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Checking or savings account

Hello, On XX/XX/XXXX I mistakenly sent a XXXX payment of {$1000.00} to the wrong recipient XXXX XXXX XXXX ) XXXX. I immediately contacted her and let her know that I mistakenly send her the funds and if she could please return them. She said she opened a case with XXXX XXXX XXXX XXXX  XXXX. I also opened a case with my bank Chase Bank Claim number : XXXX and XXXX. XXXX says the funds are not in her account, and XXXX XXXX is in possession of the funds. Chase claims they have been unsuccessful in retrieving the funds. I called XXXX XXXX to sort out the recovery of the funds, and they said due to internal procedures they are not able to return the funds directly to me and that Chase would need to file a claim on my behalf. Chase bank refused to contact XXXX XXXX to assist me in retrieving the funds. XXXX XXXX has confirmed that they are in possession of the funds. 

The recovery ID on XXXX XXXX is XXXX XXXX Any intervention will be greatly appreciated. Thank you Please reference previous case # XXXX
Product: Credit reporting or other personal consumer reports

I RECENTLY WAS REVIEWING MY CREDIT REPORT I NOTICED SEVERAL ITEMS THAT DON'T BELONG TO ME ARE FRAUDULENT AND UNAUTHORIZED FOR CREDIT PURPOSES. I AM REQUESTING THE INQUIRIES BELOW BE REMOVED BECAUSE THEY ARE INACCURATE, UNAUTHORIZED, AND NOT MINE. 

XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT WAS NOT AUTHORIZED XXXX XXXX XXXX XXXX XXXX XXXX NOT AUTHORIZED XXXX XXXX XXXX XXXX XXXX  NOT AUTHORIZED XXXXXXXX XXXX XXXXXXXX THESE ACCOUNTS WERE NOT AUTHORIZED AND NEED TO BE DELETED FROM MY CREDIT REPORTS. ACCORDING TO THE FCRA, LEGALLY THESE UNVERIFIED AND UNAUTHORIZED ITEMS MUST BE REMOVED.
Product: Credit card

I have a Macy 's Store Card and all of a sudden in XXXX of 2015, unbeknownst and unapproved by me, they started charging me {$0.00}, {$0.00}, {$1.00} every month and then charging me minimum finance charge and late fees when I did n't see it getting paid. 

The information for the company billing me was XXXX XXXX
Product: Credit reporting or other personal consumer reports

I expect a prompt response to this matter and will be monitoring my credit report closely for any updates. Your cooperation in resolving this issue is imperative, and I trust that you will rectify this situation promptly. XXXX XXXX XXXX XXXX
Product: Student loan

Great Lakes, the private company the government pays billions of my taxpayer dollars to provide incompetent loan servicing to Americans, has reported that my student loan is in deferment due to coronavirus, which is a lie. My credit score went down! 
Please investigate and fine this terrible company which is actively harming Americans.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, My complaint is regarding my credit card account with First Progress Select. They are reporting a late payment for the month of XX/XX/2021. The payment was made on time in good faith per First Progress payment protocol. First Progress unlike most Card Issuers do not have a payment portal on their website. You are directed to pay the monthly bill through your banks bill payer service or other third party services. 

This is where the problem arises. Once I make the payment through my bill payer service I have no control from that point when the payment will be actually made. My bank mails the payment on some occasions. As a result of my bill payer service not routing the payment on time it has resulted in a late payment being reported in my credit report when the payment was initiated on time. 

Please provide whatever assistance you can with this matter. My credit score was reduced 15 points because of this issue.
Product: Credit reporting or other personal consumer reports

Transunion Is reported a negative account with a {$580.00} balanced, negative account that closed on XX/XX/year>. I have requested this be deleted and them show proof it is accurate. No response from them.
Product: Debt collection

Ive sent numerous requests to this company via certified mail requesting proper validation. Each time the company ignored my request and in fact after 2 certified letters asking for validation have changed their correspondence address and reported this account with new dates. Please note that they have not provided me with documentation showing any type of agreement between me and the party. I have never had a agreement or any type of credit with this company EVER. After doing research on this company I noticed that Midland has been to court several times with various states and agencies. The court documents stated that Midland claimed to have a copy of the consumer agreement for all consumers who owe them. I requested a copy of this agreement and was ignored. Im not obligated to pay a debt buyer who cant validate a debt properly or fail to communicate properly. Theyre known to bully consumers and sue consumers all the time. I have attached a copy of my letter to them along with signatures. Please be advised that Midland has FAILED TO respond to me as outlined below : 1. Section 809 ( b ) of the Act provides that if the consumer disputes the debt or requests identification of  the original creditor in writing, the collector must cease collection efforts until he verifies the debt, or identifies the original creditor and mails a response to the consumer. If the consumer 's request for verification of the debt was made in accordance with Section 809 ( b ) of the Act, the collector need not supply the documentation but only so long as collection efforts are not resumed. Section 809 ( b ) requires that " the collector cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt... and a copy of such verification... is mailed to the consumer by the debt collector. '' In situations contemplated by Section 809 ( b ), the Act imposes the obligation to furnish verification before the collector resumes collection efforts. In the event the collector decides not to pursue the collection efforts, there is no requirement to furnish the documentation of the indebtedness to the consumer. In the event that collection efforts are resumed, the requirement to furnish verification to the consumer prior to resumption of collection remains. <P/>Once again please note that Midland has failed to respond to my requests or provide any documentation to the validity of this reported debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX kept billing me for already paid bills even after i got a letter from them saying that my loan has been paid in full. They went ahead to give me bad report which has negatively affected my credit score.
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 for these violations.
Product: Debt collection

On XX/XX/11 I received emails from XXXX XXXX and Experian that my credit report changed. I logged in and looked and found that someone put an account on my credit reports that was opened in XXXX. I never opened any accounts in XXXX and I also noticed my social security number was reported as incorrectly on my Experian report. I was never sent a right to dispute this collection account or any validality of what was put on my credit report per the law states. The name of the account is XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported on my Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have given the credit beaurea almost a year out of the 30 days for them to do a proper investigation of my credit report. They have failed to do so. I took the liberty to again go behind them and verify that the information is not accurate and/ or improperly placed on my credit report. I have been back and forth with the student loan furnisher to get them to tell the credit reporting agency to removed the student loan accounts that should not be on my accounts at all because I am not in default! They stated they requested the accounts be removed. I contacted the credit agency by phone and letter and they are advising me that they can not do it unless I attach the letter showing I'm not in default. Well the letter is attached along with other information showing that my credit report investigations were not done properly and not accurately reported. Also NONE OF THEM has yet to show me written consent to furnish my accounts. I have enclosed credit reports with highlighted discrepancies as well as student loan documents and this is my final attempt. The credit agencies does not respond to letters and they keep sending the same lies and feedback. This is not okay. My consumers rights have been violate across the board and for years. I have no received a violation payment or deletion of the accounts. Just closed. I don't need the accounts closed I need them removed because they should not be there. I appreciate you all mediating this for me ; however the credit beaurea are not caring about my rights or your time it takes to help consumers.
Product: Credit reporting

I am trying to rent an apartment and the renter ran a credit report on me through Transunion and was unable to get any information. I also tried getting my free annual credit report though Transunion and XXXX and both would not give me any information. I was able to get my report using XXXX though.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Money transfer, virtual currency, or money service

XX/XX/2023 at approximately XXXX pm I tried to withdrawal {$200.00} from the atm at Delaware XXXX XXXX from my cashapp card. Cash app completed the transaction and deducted {$200.00} + XXXX fee + XXXX atm fee from my account ; however I received no money from the atm. I immediately contacted the Casino manager who reviewed the ATM and transactions and printed me a transaction sheet to show me that my withdrawal was denied on the Casino ATM 's end. He gave me the sheet for proof and told me to file a regulation E withdrawal error as he's seen this happen before. I immediately contacted cashapp and filed a dispute. They denied my dispute stating that I did not contact them within 3 days after filing the dispute as the reason. This is NOT true. I contacted them every day twice a day. They in turn made me file another dispute canceled that and then made me file another. They basically are cancelling my disputes to keep my {$200.00} plus fees. It is not fair. I just want my {$200.00} plus fees back, as the ATM did not dispense the money and the Casino ATM owner has the transaction as denied.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Block , Inc., better known as Cash App, due to inadequate customer service and unfair practices violating the Customer 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

I sent a letter out on XX/XX/2023 to Experian, XXXX and XXXX. However it's been more than 30 days and the credit bureaus failed to send my investigation back. 

This is not making sense at all. According to the law 15 U.S. Code 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of an item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of disputed information, or delete the item from the file in accordance with paragraph ( 5 ). before the end of 30-day period beginning on the date on which the agency receives the notice of dispute from the consumer or reseller.
Product: Checking or savings account

Someone was able to access my bank account and take out close to {$10000.00}. All Im getting from the bank is the runaround and they do not seem like theyre going to do anything in reference to returning my money back to my account. From what Ive learned so far someone walked into a branch and was able to get {$4700.00} and then immediately come back into the same branch and take out {$4900.00}. I dont know what kind of proof they would have shown to take money directly out of my account via going into a bank branch. When I only want to take out a couple of hundred dollars I have to show to pieces of identification. I keep talking to different people in different jobs at the bank and Ive been lied to about the process and they still act as if this is not a hardship to me. They have closed out an account that Ive had for years and with this new account Im not able to use my brand new checks that I paid {$200.00} for because now that account is closed I had a lot of merchants that I do auto pay with I had to try and contact everyone to straighten all this out it has really been a mess. But my biggest concern is retrieving my money and holding the bank accountable. I dont know how something like this can happen its not like it was done online someone came in to the bank to take this money. At this point Im not sure that the teller these people went to was not in on this fraud. Please help me if you can This financial institution is Wells Fargo Thank you, XXXX