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

My XXXXyr old daughter is a XXXX XXXX XXXX in her XXXX year at college and is a victim of identity theft. Her bank account was compromised using XXXX XXXX digital wallet in the state of Georgia, and we live in California. We have disputed the fraudulent charge, the ATM deposit and withdrawl with Chase Fraud Services, their Claims department and the Executive Level complaint line. However, Chase is still denying our claim and they are basically saying my daughter is lying. They insist my daughter received an authentication code, on her phone to allow for the charges ; however she never received the notification or text. Chase bank allowed three transactions to process on her account on XX/XX/19 and we identified them as all fraud : a {$200.00} deposit, a {$100.00} withdrawal and a store transaction of {$760.00} at a wholesale membership club in Georgia. Chase emailed my daughter a FRAUD Notification at the time the transactions took place, asking if she authorized any of these transactions. She contacted the bank immediately and filed a disputed transaction claim. The Chase executive I have been working with admitted today, they had an error on their side and one of the three transactions was never properly disputed because they had " system errors ''. These transactions took place on XX/XX/19 and I just found out yesterday, XX/XX/19 that one transaction was not processed correctly. Our initial phone call to Chase Fraud services was reviewed and it was determined that we verbally disputed it and Chase did nothing about it. One of the three transactions was a deposit that was made to her bank account through an ATM in XXXX, Georgia and we live in XXXX, Ca. I have proof my daughter was in CA at the time these fraudulent transactions took place. I even have a copy of the check, and so does Chase, that was deposited to her account and the name on the front and the name on the back do not match my daughters name or signature, which Chase has on file. Chase temporarily put the money back while they investigated the claim, then, after only a few days, we received denial letters for only 2 of the three claims and Chase removed the temporary funds and have now left my XXXXyr old daughters bank account balance more than {$700.00} in the negative. Chase has a statement on their website regarding XXXX XXXX Unauthorized charges, which states, " you won't pay for any unauthorized transactions as long as they are reported promptly ''. We reported it as soon as we received the email notification from Chase 's Fraud department. I have made numerous documented phone calls to Chase on my daughters behalf, and all have fallen on deaf years. My daughter never lost her phone, never lost her ATM card nor did she share her pin # with anyone. Chase refuses to review the ATM surveillance footage where the deposit and with drawl took place in XXXX, Georgia. Chase also refuses to give us back the money or honor their unauthorized charges process. We fear they will report her to the credit agencys next and hurt her credit before she even has a chance to build her credit. Your time and support is greatly appreciated.
Product: Debt collection

I am writing to you with an immense sense of urgency and frustration regarding the fraudulent accounts that are still tarnishing my credit report. It has come to my attention that despite repeated requests and clear evidence of fraudulent activity, these erroneous entries persist on my credit profile. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

trying to get a new job and my credit is stopping me and the information that is not mines is on the report and address that need to be removed unknown medical bills XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX XXXX XXXX, XXXX, WI XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX XXXX XXXX, XXXX, WI XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, WI XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX , XXXX  XXXX, VA XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX  # XXXX** : medical bills
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 practice, which violates the Consumer Financial Protection Act. ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

I. FACTUAL BACKGROUND 1. XXXX has just been discovered to be committing Actual and Constructive Fraud and possibly even be involved in a R.I.C.O. case. This is newly discovered evidence as of XX/XX/XXXX. While going over all of the paperwork I discovered some rather chilling details that question whether XXXX actually had standing to foreclose or even collect debt. I also discover an outright void Deed of Trust and Note as the property description in which was used to foreclose is a legally defective property description. 
2.The Deed they used to foreclose on does not in fact describe my property. In fact, the neighborhood in reference as well as the street and lot number can not be found in XXXX XXXX XXXX XXXX XXXX. That reference is to XXXX XXXX. and XXXX XXXX XXXX. in the XXXX zip code. 
3. The description used is all of Lots XXXX, XXXX. XXXX, XXXX and XXXX as shown on map of the XXXX XXXX XXXX, recorded in the XXXX XXXX XXXX XXXX in XXXX XXXX XXXX, Page XXXX, to which map reference is hereby made. 
4. My property is in XXXX zip code. Also, it makes reference to The XXXX XXXX XXXX, however, that doesn't appear in the XXXX of Deeds either. They have been enforcing false documents and extorting me and my family for payments that they knew they were not rightfully entitled to. The Map Book XXXX Page XXXX is a PLAT SHOWING PROPERTY OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX clear misrepresentation of a honest financial institution in a place of trust for the customers in which it services. This is FRAUD that one can not overlook. This is deception at its core and I aim to expose them for all of the deception and betrayal of the public 's trust. 
5. Second thing that also can't be overlook, showing betrayal and unjust gains while stealing and demanding payment without proper standing. XXXX had been enforcing payment from me as early as XXXX, if not in XXXX, but did not receive assignment of the XXXX Deed of Trust from MERS until XX/XX/XXXX ( Book XXXX, Page XXXX, Instrument Number XXXX ), transferring the Deed of Trust from the original lender to PennyMac Loan Services , LLC . 
6. XXXX XXXX Mortgage XXXX XXXX verified that the Note was sold to XXXX earlier but wouldn't give me specifics. This shows a clear separation of the Note and the Deed of Trust which makes both instruments void and unenforceable. It clearly shows that XXXX didn't have the standing to be enforcing payment but decided to do so any way to enrich itself to unjust gains at the detriment of my family by enslaving us to a debt it had no authority to collect.

7. This is an outrage and I aim to make my findings public.
Product: Debt collection

I received a voice message from a person calling herself XXXX XXXX stating that she was from a collection agency and she needed to speak to me. When I called back, the same day, she stated that I had an outstanding balance and she had been trying to contact me. She was very aggressive on the call, she raised her voice and over me for the majority of the phone call, she refused to send me anything in the mail ( stating that I was not in a position to tell her how to do her job ), and she stated that she tried to leave me voicemails but could not because my inbox was full, which is completely untrue. The phone call was so upsetting that I was shaking at the end of it. I had no idea what debt she was speaking about as I assumed that I had completed payment of my son 's medical bills in XXXX of 2014. I was able to speak the debtor, XXXX and found that there was XXXX unpaid bill and XXXX duplicate charge. At this time I have no choice but to work with XXXX XXXX because I do not have any documentation from Wakefield and Associates stating what I supposedly owe. I am also not inclined to call them and repeat the same type of aggressive situation again. It is my understanding the the collection agency must send documentation and they must not intimidate. I feel that Wakefield and Associates, specifically XXXX XXXX, are in violation of these regulations. I believe a recording of this conversation was recorded because there was a message at the beginning of my call that stated all calls are recorded.
Product: Mortgage

After the pandemic, coming out of the 15 months forbearance plan, our original lender ( XXXX XXXX ) offered us a new loan modification plan with low interest rate. We've completed the TPP program and was going to move forward with the new mortgage rate / plan. However, the contract they sent us at the end had an error on it and we kept asking them to fix or explain. After months of going back and forth they finally admitted the mistake but rejected the modification application due to being behind on payments, which after the initial TPP was blocked by XXXX XXXX itself, while they were investigating the matter. 
At the end they suggested to re-apply and promised that the original offer would be honored. A few days later XXXX XXXX sold the mortgage to Selene, our new lender. 
Selene does not want to honor the terms originally offered by XXXX XXXX and to bring our account balance current and keep the original ( favorable ) mortgage rate, they want us to pay a one large payment of {$54000.00} or foreclose our home. We've been in this home since 2008 and have a XXXX XXXX XXXX daughter, so we can not afford to loose it. We've constantly asked them to give us a payment plan as we could pay some of the money back now, but have the flexibility to re-pay the balance. They reject all our offers and all this is happening because the previous lender made a mistake and did not follow up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account closed and paid in full. 











































































































































































































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

I'm victim of Identity theft, I'm sending this dispute because after looked over of my credit report I found several hard inquires that I never authorized. I have filed FT report and have included in this package. I'm not using any third party for this matter and I represent myself by myself. I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. The INQUIRIES that are the result of fraudulent activities. Therefore, these inquiries must be deleted from within my credit file. 
Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 

It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. 
Here are these hard inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Miscellaneous Automotive XX/XX/XXXX ; XXXX XXXX  Auto Financing XX/XX/XXXX ; XXXX XXXX Auto Loans XX/XX/XXXX ; XXXX XXXX XXXX XXXX  Credit Cards XX/XX/XXXX ; XXXX XXXX XXXXXXXX Bank Credit Cards XX/XX/XXXX Please delete these unauthorized hard inquiries from my report immediately.
Product: Credit card or prepaid card

Today I was making a payment o my Apple credit card and right after submitting an online payment I noticed I entered the wrong amount. I meant to entered {$190.00} but instead I entered {$1900.00}. I immediately contacted the credit card company and I was told they can not cancel the payment because it already posted to my account. This all happened in about XXXX minutes. I was told to call my bank and put a stop to the transaction. I will now have to pay about {$60.00} in fees. 
All of my other credit cards allow me to cancel or edit payments until they withdraw the money from my bank account. 
I also found odd that after the money is withdrawn from my account and " posted '' to the credit card, it will take up to a week to have the payment reflected in available credit.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX  Account Number : XXXX Account Name : DEPTEDXXXXT Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX and list of Inquiries. 

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Received a phone call on or around  XXXX   XXXX  , 2017 fro  m TSC Associa  XXXX  claiming to have legal documents that were just attempted to be delivered. I told them I was minutes from home and if the driver was still in the area, to have him return so that I could sign for them. They declined that option and told me about a phone number I had to call to proceed with scheduling the delivery. I looked this up online to check if it was a scam and found that to be true and did not pursue further. Two weeks later, I received another call and told the caller that I was actually home and that no delivery attempt was made. I then told him I knew what was going on and to stop calling. Today,  X/X/2017   , I received another call from  XXXX  and did not answer, but a voicemail was left stating that I had  XXXX  hours to respond or that they would assume I acknowledge the information was accurate and they would deliver the documents. My mother, father, brother-in-law, and sister were all called in succession from this company and they claimed I listed each of them as an emergency contact in pursuit of finding out my information. This was also false. I do not know how they obtained my information and my families information.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Citi bank sent me an order of checks to pay a large bill- when I paid the bill with the check that citi bank sent me the decline to pay it stating that my account does not offer checks- but citi bank sent me the checks and charged my account to order the checks- now my bill that i paid with the citi bank check has gone into collections with a XXXX dollar fee and has placed a hold on my credit check writing abilities- citi bank sent me the check charged my account for the checks- but then rejected the check- I HAD MORE THAN ENOUGH TO COVER THE CHECK BUT CITI BANK WOULD NOT HONOR THEIR OWN CHECK
Product: Debt collection

Greetings, I have previously contacted Diversified Consultants informing the company that I have been a victim of identity theft/fraud. Diversified Consultants are deliberately violating the Fair Credit and Reporting Act section 605b, which states that if a person sends documents from federal or state departments of an identity theft report then the agency must block the information from the credit profile. With my numerous attempts to get Diversified Consultants to follow the law, they clearly feel as though the law does not apply to them. Remove the Derogatory account. Please and Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

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

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.XXXX  XXXX {$390.00} XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX {$460.00} XXXX  XXXX  XXXX XXXX XXXX {$6400.00} XXXX XXXX XXXX XXXX {$400.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/2023 Chime financial inc XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX Subject : Notice of Unauthorized Use of Credit Report Dear Chime Financial Inc, I am writing to bring to your attention a matter of great concern regarding the unauthorized use of my credit report. Upon reviewing my credit history, I have discovered inquiries and activities that I did not authorize. 

Details of unauthorized activities : XXXX. It has come to my knowledge and understanding that you have inquired upon my consumer report on XX/XX/2023. 

I request that you investigate this matter promptly and take appropriate action to rectify the unauthorized use of my credit report. Please provide me with a detailed report of your findings and the steps taken to resolve this issue. 

Enclosed with this letter are copies of relevant documents supporting my claim, including [ list any supporting documents ]. I trust that you will handle this matter with the urgency it deserves to ensure the integrity of my credit report is restored. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. 

Sincerely, XXXX XXXX XXXX Enclosures XXXX [ List of supporting documents ]
Product: Checking or savings account

I filed a dispute for an unauthorized transaction of {$270.00} to XXXX. Cashapp denied that dispute. 
I then went to target who said the transaction does not exist in their records and stated that cashapp never once contacted them to confirm that!!!! Everytime I call now to get an explanation I get hung up on. 3 people have just completely hung up on me because they dont have answers to my simple question. I will never stop posting everywhere and anywhere possible to try to get the word out to people that cashapp Will completely rob you and there is absolutely nothing you can do about it after the fact. Please, if you have kids or a life choose somewhere else.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was verified to me that the accounts XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX The credit bureaus never did a proper " investigation '' According to the FCRA. 
The term " Investigative consumer report '' means a consumer report or portion thereof in which information on a consumer character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such item information They did not do this Also they have violated my rights even more. In accordance with the Fair Credit Reporting everything has to be 100 % accurate on my report. 
They also violated the law because according to 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 agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

ive been a victim of ID theft and ive tried multiple times to dispute these items off my credit report however XXXX, experian, and XXXX will not remove these items, its been more than 30 days since i sent in my disputes, i wish to have these items removed ASAP, enclosed with this complaint is my ID theft report
Product: Debt or credit management

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.