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

Case # XXXX My cash app was hacked by people I don't know... When I made a report/ claim I was told not to worry .. they are working to fix the issue of me being hacked and XXXX $ being stolen from my account.. upon further investigation... I noticed all my information on account page was all different/ changed to the hackers information... I told the operator / tech I spoke with about this .. she helped me change my information back ... THEN... In process of making a decision to refund my stolen money the cash app people sent an email to my hackers... Asking them if there was an issue with MY account.. of course they said no being as they just got away with stealing XXXX $ from me... I'm sure they found this hilarious, however myself, being as I'm on a fixed income living from check to check, found this a huge inconvenience to me. 
Please help me right this unjustified wrong doing by the cash app company.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I opened up a PayPal account to receive money, a total of {$50.00}, from a distant family member. I received the money into my PayPal account and began the transfer from my PayPal into my bank account. I first started with the instant transaction option which charged my account {$0.00}. A day later the money was still in pending status. I made a phone call to PayPal and they put the {$0.00} back into my account. The money has been in a pending transfer status since that day and I have called them several times within the past month. I have been told to wait 24-72 hours every time I made a phone call for them to trace or complete the transaction but I have not seen any progress or any emails regarding the situation.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Charge off XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : $ XXXX Charge off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX $ XXXX Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Hard inquiries reported fraudulent FIRST HELP FINANCIAL Inquiry : 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

XXXX has removed the inaccurate XXXX Account from my file. Can you please do the same. Thank you!
Product: Credit card

XXXX  apple id was stolen along with my XXXX  account. Someone is trying to open an apple charge card in my name that I did not authorize.
Product: Student loan

Twice this year Navient has put my student loan repayments into deferment, without my permission. I have been repaying my original student loans and want to continue repaying them, in fact, I was set up for monthly auto-pay payments. I contacted Navient around XXXX or XX/XX/2022 after the first time they put my loans into deferment and stated in writing thatI did not want my loans in deferment. After this contact, they restarted my auto-payments. However, it appears that once again in XX/XX/2022 they put my loans in deferment again, without my request or permission. I do not want my loans in deferment - I did not request for this to happen, nor did I approve the changes to my account. 

Today, XX/XX/2022, I received an email from Navient telling me that I have accrued an additional amount of unpaid interest on my student loans ... .because Navient has not been deducting the auto-payment on my loans since XX/XX/2022 - even though I did not ask for or authorize this change. 

I logged into my Navient account today, after receiving the correspondence about the accrued interest on my account, only to find that I am unable to reinstate or change the payments on my account ... .because it is in deferment. Navient has 'disabled ' these features on my account. I feel like this is absolutely criminal and a very crooked way to make more interest off of a loan. 

I have once again contacted Navient stating that I do not want my loan on deferment and I want to continue with the auto-pay that I had set up ( which also provided a discounted rate for auto-payment, which they XXXX ). I can not believe that the changes Navient has made are legal and are a violation of my consumer financial rights.
Product: Checking or savings account

First off, my wife is currently surviving stage XXXX XXXX XXXX since XXXX. Treatments of intense XXXX and XXXX have caused some XXXX  issues that we are, my kids and I, still learning to cope with. 
The above does play into the events of XXXX, XXXX. Being financially strapped from working as an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX  to make ends meet we lost everything. 
My wife, trying to help, responded to an ad that would pay x amount of dollars to wrap your personal vehicle for advertising XXXX XXXX. Something she could do being XXXX. She received a {$1200.00} check from XXXX XXXX XXXX  out of XXXX, Ohio. XXXX thought maybe the advertising company 's lawyer maybe? This was supposed to go for getting her car wrapped and as first payment. She deposited the check, I believe it was XXXX & XXXX  XXXX  on the check, but she deposited it into our Bank of America account. 
My wife called for several days in a row and the customer service reps continued saying " it's still processing '', etc. My wife even alerted then that she was starting to not feel right about the check. 
I was approached by my wife and she explained the situation and the first thing I thought was " scam ''. I called Bank of America but instead of helping me, I was told that I was lucky they weren't pressing charges for counterfeit check. Now their mind was made up. I was not allowed to explain. There were no offers to assist me with what had occurred and just really, really, rude and short answers. 
After reporting that I tried to fraudulently cash a check, I have no way to open a bank account. I am building my credit and have my debt down below {$3300.00}, and trying to recover from almost losing my wife and raising teenage kids. I'll never get a mortgage without a bank account and for Bank of America to have the power to stand on my head and prevent me from moving forward in life for my family, unacceptable. It's been almost a year and the great bank I just left sadly denied me an account again. In 8 months my credit score has gone up almost 100 points. I'm putting forth the effort, and I know my wife made a mistake and for them to let us go I understand but why are they preventing me from moving forward with my life. I feel trapped and stuck with no help in sight. Just want a home, we already lost everything just let me eat it back. Not asking for a handout just want to be able to open a bank account.
Product: Credit reporting or other personal consumer reports

I sent disputes on the attached and they have not responded in the 30 days they have by law. All disputes must be deleted from my credit reports.
Product: Credit reporting or other personal consumer reports

I Called XX/XX/XXXX Self Financial asked them to send me a Signed Contract stating I gave them Permission to Share my Account information with Anybody this Violates 15 U.S.C. ( 1681 ) sec. 604 also States a consumer reporting agency can not furnish an account without written consent 15 United States Code 602 Right to Privacy XXXX Self Financial XXXX Please Remove this Account Immediately as this is a Violation
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This incorrect reporting of lates is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Checking or savings account

My Complaint concerns JPMorgan Chase Bank, N.A. and a Savings account of mine that they closed with no warning. The amount that JP Morgan kept totals to {$5.00} approximately over the period of XX/XX/XXXX to XX/XX/XXXX. I originally had {$6.00} in this savings account for a long time. Unrelated to the issue I am writing about, is that my Chase accounts became frozen for inactivity in XXXX so I was asked to visit a branch to discuss them. Upon my visit in early XX/XX/XXXX, a Chase Bank branch associate advised me just to transfer {$1.00} from one to the other to reactivate them. So I transferred {$1.00} from the small savings account that had {$6.00} to a larger checking account that had {$17000.00} to reactivate them. This was done on XX/XX/XXXX. Then without my knowledge on XX/XX/XXXX Chase withdrew {$5.00} in fees from the small savings account to reduce it to {$0.00} then on XX/XX/XXXX withdrew {$0.00} to close the account. I then went a 2nd time to visit Chase in XXXX to discuss what happened with the small savings account and they told me they had a change in policy and fees would now be charged to have small accounts open. Please keep in mind I currently have a Chase checking account with {$17000.00} in it that they are not giving me credit for to forgo these Monthly Service fees. Another issue I have is that when I visited my local Chase Branch ( XXXX XXXX XXXX XXXX in early XX/XX/XXXX to unfreeze my accounts they never warned me about the policy change that would eventually deplete my Savings account with {$5.00}. Upon my branch visit in XXXX, I asked them to refund me the {$5.00} and they refused. I feel this is unfair and that I should have my {$5.00} back. If they do not, I will simply close my account for {$17000.00} for good and no longer do business with Chase again. I know my {$5.00} amount is small but I wonder how many other customers Chase has taken {$5.00} a month from by this change in practice.
Product: Credit reporting or other personal consumer reports

Subject : Urgent : Credit Report Errors and Consumer Rights Violations Complaint Dear Sir/Madam , I'm writing to dispute inaccuracies in my credit report and file a complaint against the debt collection agency and credit bureaus involved. My issues include : 1. Closed accounts reported as open.

2. Illegal attempts to collect charged-off debt.

3. Wrong late payment entries.

4. Non-compliance with FCRA reinsertion notification requirements.

5. Dismissal of my verification request as " frivolous. '' 6. Prohibited inclusion of income information.

7. Unauthorized sharing of my personal information. 
8. Lack of required 1099C or 1099A forms from XXXX XXXX XXXX XXXX. 

There are also inaccuracies regarding account dates and a failure to report correctly, violating my privacy and consumer rights as per various sections of the USC. 

15 U.S. Code 1666b 15 U.S. Code 1681 ( 2 ) ( a ) ( i ) Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), violation of FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ). 


Immediate correction and action are necessary to resolve these serious issues. 

See attached for proof of my claims, my credit report and my letter in full detail of this claim and violations of FRCA Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 at XXXX ET, I made a phone call from my personal cell phone to Zales / Comenity Support in order to request a credit line increase on my account. With my initial request, I made it clear that I did not want a hard credit inquiry, and I never gave consent to perform one. The representative said that we could do that and we moved on to the process of increasing my limit. He never requested consent to perform a hard inquiry, and if he had, I would have refused consent.

Soon after ending that call, I received an email from one of the credit monitoring services that I subscribe to with a notice of a hard credit inquiry from this request. 

I called the same support number again to request the removal of this inquiry as it was done without my consent. They asked that I submit the claim through a Secure Message dispute, which I did on XX/XX/2021, XXXX ET. 

I received a response on XX/XX/2021, XXXX ET telling me that they can not do anything and to submit the claim to yet another location. 

I called Equifax on XX/XX/2021, XXXX ET ( the credit report that this is showing on as of now XXXX, and requested to file a dispute. They informed me to request the inquiry removed from the bank and that I could submit a claim through the FTC.gov website, which directed me here. 

In one last attempt to speak to someone to help resolve this from Zales/ Comenity Bank , I called Support on XX/XX/2021, XXXX ET. The representative here would not give me any contact details to speak to anyone by phone or contact over email. 

As such, I am now submitting the claim here for help. I do plan to submit a dispute via mail, but experience and history of such dealings, has led me to believe that this will not be resolved in a timely manner. This is what brings me to submit this complaint here. 

I never gave consent for Zales/ Comenity Capital Bank to make a hard inquiry on my credit report. As such, the inquiry was done without my consent and should be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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 XX/XX/XXXX
Product: Prepaid card

Netspend offers to allow customers to refer a friend to get a Netspend card and after their friend makes {$40.00} in deposits onto the prepaid card, both people are supposed to get {$20.00} each deposited onto their cards. I e-mailed the link to my domestic partner who does not have a bank account due to losing employment and having ruined credit in the wake. He clicked the link to their site and completed the application XXXX times before giving up because it had been weeks since he applied and the screen told him that his card would be here in 2-4 weeks. 2-4 months later, he decided to try to just go in through my account online and order himself a card. They linked his card to my account and we called Netspend customer service for assistance to get him the card I had sent him a referral for. The new card had to be cancelled and he was sent a different card that is his own account independent of mine. We called them this morning to inquire about our {$20.00} deposits that have not shown up ( that we could really use to help us pay the rent this month ) and they said that he did not qualify for the program because I could not have referred him because he got a card the same day I did ( referring to the XXXX linked to my account that I did not add anyone to at all! ). We spoke with a rep and a supervisor and they maintain that XXXX has been a customer longer than me and that he is not eligible to be a referral of mine. It is just frustrating that this is where my paychecks are going to now and these people are idiots, saying XXXX purchased his card from XXXX XXXX. He did not! It is the XXXX and only card he ever received from his inquiries from the referral program that XXXX of their idiotic employees sent to him. He never received any other cards on any other accounts and I never even authorized him as a user on my account. I just happened to be logged into it XXXX time when he was trying again to reapply for the card that never came. We were on the phone with them for over an hour this morning just trying to get the referral money promised by their ads ( because we are poor and need it that desperately ). XXXX has gone through so much hassle with all of this nonsense and explained it to the rude woman on the phone today. We did everything we were supposed to for the program, but never got the money promised. The lady said it could have been their software/internet issue, but refused to manually credit the reward fund to either of our accounts. After all of this trouble, I sure wo n't be referring anyone else there, that is for sure.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Update new address and delete the old address XXXX your day is well. Please remove my address : XXXX XXXX XXXX XXXX, XXXX, PA XXXX off my credit report. Someone is forwarding my mail to a another address. 

Please use my new address : XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, Pa XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous dispute requests to XXXX, Equifax and XXXX to remove the addresses that I am not familiar with and do not belong to me. I have sent off this request every 30 days since XX/XX/2020, I have attached my license, ss card, utility bill and bank statements to show my correct address which is : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX I need all other addresses that are not related to me removed from my Equifax, XXXX and XXXX reports.
Product: Credit reporting or other personal consumer reports

I got an alert on my Transunion credit report stating I opened a new account with XXXX XXXX. I have not opened any accounts with XXXX XXXX. It dropped my XXXX XXXX XXXX points and I need this off my credit immediately. I am trying to buy a home and this has affected me greatly.
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. 

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 has violated my rights . Or a 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: Money transfer, virtual currency, or money service

PURCHASE AUTHORIZED ON XX/XX/XXXX PP*GOOGLE VISUALBL XXXX CA XXXX CARD XXXX XX/XX/2018 - XXXX XXXX Posted XX/XX/2018 - Google Play Purchase Omission Civil Harassment - Judicial Misconducts ( CA, NM )
Product: Credit reporting

I disputed a tax lien in the amount of {$740.00} that has been paid to the North Carolina XXXX. The debt was paid on XX/XX/XXXX. They indicated they investigated and information is correct. However that is not correct. The NC XXXX also garnished the money from my account and then added a lien which is too not legal. I would like the debt removed from my credit report as well as deleted from the public record.
Product: Mortgage

STRESS=STRESS 1 ) Loan No. do not recognized 2 ) Property taxes on home incorrect were paid and not with loan.

3 ) loan Amortization Schedule wrong.

4 ) IRS 1098 incorrect.

5 ) unable to talk or speak to knowable people.

6 ) Trust in company personnel
Product: Debt collection

The bankruptcy which is being reported to my credit report is inaccurate. The case which youre reporting as valid & accurate is actually incorrect. I never had a case tried or seen. There was NEVER A JUDGMENT. No judgment means there was never a case. A judge never saw a case so how is one being reported. 

Please see this account is removed from my file at once. 

Bankruptcy XXXX XXXX  XXXX FRAUD, PLEASE DELETE!!!!! 

If you continue to report this information without truly verifying the information I will be seeking a legal remedy. Ive already discussed this matter with my attorney & he will draw up the federal case within 30 days of this letter if its not removed. 

Please see this matter is removed at once.