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

On XX/XX/XXXX, I discovered that two Chase Quickpay transactions were initiated without my authorization for the amounts of {$1500.00} and {$2000.00} from my checking account. As soon as I saw, I called Chase and they were able to lock my online access to the account. They advised me to close the account and open a new one as well as change my passwords and account username, so I went to their branch and did all that. The banker tried to help me get in contact with the fraud department to see if I could get my money back and what the process would be. I was told that the fraud department would investigate what would happen and in about 10 days they would make a decision.

I called again a week later and found out that they had closed my claim on the XX/XX/XXXX, saying that it looked legitimate because it used to same IP address as 62+ other transactions so they didn't look further into it. I've called them once more after that and returned to the bank, speaking to a different banker, but nothing. They wouldn't open it again without any further proof. So I contacted the person named as the recipient, but because it was using two different emails that go to two different bank accounts, I was only able to get in touch with one. That person said they did not receive any money from me in any amount. The other email bounced back immediately ( a copy for which I've included below ). I'm in the process of filing a police report and I've already put a fraud alert on my accounts with XXXX and I've also filed a complaint with the FTC ( included ).

On top of this, that {$3500.00} was not supposed to be in my checking account. They were divided into two different savings accounts for different purposes and I was not the one who initiated the transfer. In fact, I thought there was a glitch the weekend of the XXXX because one savings account had been XXXX-ed into my checking, moving {$1700.00}. I immediately transferred the money back ( the {$1700.00} ) and that, too, was posted on the statements on the XXXX. However the money that I transferred back into my savings account never went in.

Additionally, I've checked my device history and there are three instances where an unfamiliar device ( XXXX XXXX XXXX ) accessed my account. On my third call with the fraud department, I found out that the XXXX transactions were actually initiated on the XX/XX/XXXX and XX/XX/XXXX and were only posted on the XX/XX/XXXX. This was news to me because I had checked my account on the XX/XX/XXXX and I still had all my money in my savings accounts. There was not {$500.00} in my checking account to transfer, much more {$3500.00}. There had not been {$1700.00} transferred in. And on my device history, the dates the XXXX XXXX XXXX had accessed my account coincided with the dates of the transactions and postings.
Product: Checking or savings account

On XX/XX/2021 I deposited a check I earned from an employer. On XX/XX/XXXX the check deposit as was available on my account. On XX/XX/2021 that check was not a valid check and my account went negative and I was made aware of this until XX/XX/XXXX I I called the bank to see what was going on and I was told there was a letter in the mail from the security team stating they completed a thorough investigation and if I had any more questions to call Monday. I was also told on XX/XX/XXXX that I could send in any information to support my case. I then immediately sent in texts, a letter and the job site indeed screenshot of where I applied for the job. This brings us to my first complaint. If there was a thorough investigation done why was I the valued customer not included in this thorough investigation? On XX/XX/XXXX myself and my childrens income tax deposited and the check amount was automatically taken out, which was ok I understand they were still holding me accountable. However no one told me my debit card and anything related to my debit card was canceled. So brings me to my second complaint on XX/XX/2021. I spoke to XXXX and XXXX who explained the security team made their decision and I would need to request a escalation case management and would be returned a call 24 to 48 hours. During the hour call with both XXXX and XXXX no one made me aware nor did they insinuate my debit card was not usable. I understand the card belongs to the bank but the money in the account belongs to me and when was I going to be told this? I wasnt. On XX/XX/2021 around XXXX XXXX I had XXXX small children with me and as I went to make a purchase my debit card declined and when I called navy federal I spoke to XXXX who told me my card was canceled due to fraud claim I made. Ok this is fine if protocol when was someone going to tell me? I no gas in my car and had to walk about 3 miles with XXXX XXXX year olds. No one wants to take responsibility for anything and where is the support for the customer? On XX/XX/XXXX, I called and spoke to XXXX and XXXX and was told by XXXX I could not be assisted because I requested a escalation supervisor the day prior. Why was XXXX not privy to this information? XXXX tried her hardest to assist me and all she could say my card was blocked. Banking practices should be consistent when dealing with customers money. Im now closing this account and Im raged at that treatment. I feel powerless and as if I dont matter. Ive banked here almost 2 years have always had my money deposited from my employers. For me if some looked over my case I should have been notified by saying hey there is a fraud claim we dont believe you are a victim. This bank allowed my money to remain in their bank with no one contacting me so I could be aware. I shouldnt have to be made aware once Im attempting to use my card. Someone needs to take responsibility and revise.
Product: Credit reporting or other personal consumer reports

I previusly disputed XXXX XXXX XXXX XXXX account they have posted to my credit report with adverse information. CFPB investigated my claim and the company responded telling me to contact National credit union administration. 

If XXXX XXXX can no validate ownership of this account. It should be removed. I am in the military and was over seas at the time of this account being open. I have attached a copy of my FTC report. 
The response is not in compliance with the FCRA
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. XXXX5 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

On my XXXX credit report there is an account titled XXXX, account number XXXX that was sold to a company titled Debt Recovery Solutions, account number XXXX. This account was paid in full on XX/XX/2016. I attached a recent copy of my credit report that shows this in addition to paid in full letter from Debt Recovery Solutions. I have contacted both companies many times to get this resolved, but have been unsuccessful.
Product: Mortgage

My home was given a auction date for XX/XX/2016. Nationstar was contacted and they told us we could still apply for making homes affordable. During this time my father was diagnosed with XXXX. We had to move closer to him. We collected all of our financials and sent in our paperwork to nationstar. I researched with making homes affordable and the rules say while in the process of making homes affordable the auction date stops until s decision gets made. I stayed in contacted with nationstar and is n't it convenient that after the auction date they claim we did n't get our paperwork in. But after fighting with them about they then admitted we got our paperwork in but we were missing 2 items. But instead of notifying us they just said sorry to late. Now we 've lost our home. Our mailing address had always been my fathers home in Massachusetts because that 's where we work. Nationstar has always sent all our correspondence there. Along with XXXX their attorney. We never received any paperwork telling us we could get our belongings out of our home. So now in XX/XX/XXXX we find out our home is for sale and all of our belongings are gone. Our hutch my father built us, our wedding videos. Our furniture. Our rocking chair from our shower. Everything. After contacting nationstar again and waiting 3 months for an answer they claim they sent us notification. We never received. At the mailing address we have always used. Is n't that convenient. So now they auction our home off and get rid of all our belongings.
Product: Debt collection

Kohls department store credit card has been calling me by phone several times a day about an account that has been closed and past due for the last 6 months. They call, text and send emails.
Product: Student loan

Someone has stolen my identity and I have done everything I can I my end to fix it but the Department of Education is not taking it off. I have an email from XXXX XXXX  stating that they have cleared the account and they recognizing the account as fraudulent the department of education, needs the school to call them and fix the loan but the school will not. This account was fraudulently made in my name, and I want it off my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN has been contacted many times regarding inaccurate information on my report according to the FCRA AND FDCPA LAWS I have the right to challenge anything that i do not agree with on my report XXXX XXXX XXXX has failed to provide proof of any contracts bearing my signature as well as EXPERIAN has failed and violated the law and my rights to update account status to investigation status 1 ) XXXX XXXX XXXX acct # XXXX -- -remove acct inaccurate reporting 2 ) XXXXXXXX XXXX acct # XXXX -remove acct inaccurate reporting 3 ) XXXX XXXX XXXX auto pay never been late please correct In accordance with the Fair Credit Reporting act XXXX  Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Bank account or service

I opened a Citbank Citigold bank account, I was to received XXXX XXXX miles for opening account. In XX/XX/XXXX, citibank confirmed I qualified and completed the terms of the promotion and miles would post by XXXX XXXX. Miles have not posted and CitiBank is refusing to honor the promotion.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts attached are in violation with the Fair Credit Reporting Act and have violated my federally protected consumer right to privacy and confidentiality. Please see attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I call Experian credit bureau get remove remarks. Rep said he'll have to update my address to do so, I said when I call last month I didn't had to do that to dispute information, I told him i dont want to do it nevermind he can forget ut. When I hang up on the call he updated my address after stating I don't want to do it and so update phone number to verify we never had a conversation about phone number. How to experian have the right to update information base on what they think.
Product: Credit card

This is not my card and they have added it and won remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

For a period from approximately XX/XX/2002 to the present the U.S. Department of Education ( XXXX, XXXX XXXX, etc. ) has failed to report accurately the information on my credit report ( s ). There are verifiable payments made from three different credit union accounts ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ) where XXXX XXXX XXXX is the accountholder in which she has paid student loans in the amount of $ XXXX {$300.00} or more per month but the information is not reflected on her credit report ( s ). XXXX XXXX XXXX has received education for XXXX XXXX programs and earned degrees ( XXXX and XXXX  ) as well as a educated in a XXXX of XXXX  ; earning ( holding an XXXX ) and finally a XXXX XXXX XXXX ( XXXX  ) that has been placed on hold ( deferment ) due to financial aid or U.S. Department of Education errors at a XXXX University.
Product: Credit reporting, credit repair services, or other personal consumer reports

Full name : XXXX XXXX Social Security # XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XX/XX/XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XX/XX/XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent application s may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. The below listed accounts by the Original Creditors , who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 



XXXX {$1800.00} XXXX {$2700.00} XXXX XXXX {$330.00} XXXX {$1800.00} XXXX {$1000.00} XXXX {$1300.00} XXXX XXXX XXXX XXXX {$2300.00} XXXX {$1600.00} XXXX {$1200.00} XXXX {$730.00} XXXX {$1100.00} XXXX XXXX XXXX {$1000.00} XXXX {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

This is my third complaint today regarding Experian. This is not a duplicative complaint. I called Experian twice today. Each time I was on a very long hold and subsequently disconnected. After speaking with a dispute agent, the call makes a static noise, then I can no longer hear the agent. Moreover, Experians global website indicates the dispute department closes at XXXX XXXX, in each time zone. I called back a third time before XXXX XXXX PT. After an excessive hold time, I got to an agent in XXXX XXXX and said Im no longer allowed to file a dispute today because it is after the XXXX XXXX cutoff time. This is due to no fault of my own. I did, in fact, call before XXXX XXXX Its not my fault the hold time is excessively long. This is clearly an unfair business practice and a potential violation of the FCRA because I am essentially being denied my legal right to file a fraud dispute. Experian is making it very difficult to get to an agent within a reasonable time frame form the onset of a telephone call. I will file a complaint with the FTC, XXXX  and state attorney generals office.
Product: Credit reporting or other personal consumer reports

I have reported multiple inaccuracies on my credit report. Each time I have shown proof and it is claimed by XXXX XXXX to be accurate however, after months the account still is reporting inaccurately on my credit report. There is numerous violations and this will be my last attempt before getting my consumer law attorney involved.
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 proce 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 you and your account. 
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 proce 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that you have placed an inquiry on my consumer credit file dated XX/XX/2020, TWO times. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a consumers credit report without a " permissible purpose, '' I am writing to inquire as to your alleged purpose for doing so since I did not apply for employment with your organization nor did I request credit from your organization.

Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; '' You are civilly liable to me in the amount of {$1000.00} for your willful violation of the law -- performing a " hard inquiry '' on my consumer profile without my permission. I do hope that we can settle this matter amicably. You can remove the inquiry within one ( 1 ) business day of the receipt of this notice. Or, we can meet in court where you will end up removing the inquiry, paying me the civil liability fine, punitive damages for my score drop, plus court and attorney fees. The choice is up to you.
Product: Credit reporting or other personal consumer reports

Please remove and block the unauthorized accounts from my credit report as soon as possible. I did not open or approve these accounts and have no knowledge of their origins. In compliance with USC 1681g, I am formally requesting their removal within 15 days. Enclosed are the necessary documents for your review and reference.
Product: Credit reporting or other personal consumer reports

My information was stolen in New York around XXXX I reported this to the XXXX ( XXXX ) credit Bureaus and was unable to resolve and dispute addresses, phone numbers and some of the instruments that were on my report. Some of these items still remains today ; All Phone numbers except for ; XXXX All Addresses except for ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX The persons who committed the larceny to all my information which include ; XXXX. Passport XXXX. Drivers License and other important docs, they did not get my Emails. 

When I reached out to the Bureaus to make the complaint and lock my credit I was unable to find the supporting information. I have found the supporting documents and i am hoping this will help with my journey back.
Product: Debt collection

Care Credit service continues to send billing statements and emails to me on a debt I do owe. The Arizona State Attorney General reviewed the false charges and sent a letter of decision in my favor. Information was sent to Care Credit and Synchrony Bank who has the account. I have tried several times to get this resolved with XXXX XXXX  and Synchrony Bank and they continue to harass me with this false account. It was for a set of dentures from a dentist, I never received the partial denture and do not want it. I cancelled the order with the dentist and Care Credit will not honor that request.