23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

To whom this may concern, In reference to my previous complaint about Scottrade 's treatment of my son. I have attached a bank statement that shows just how egregious the fraud at Scottrade has been. 

Over {$800000.00} of unauthorized ACH transfers occurred and Scottrade refused to refund the stolen money.
Product: Payday loan, title loan, or personal loan

I found this app in the XXXXXXXX XXXX XXXX that provides a line of credit based on analysis of your checking account, and that utilizes no credit check. After applying and being approved, and sorting out an issue with an error I was receiving on the app, I was told the next step would be verifying my identity. I wasnt worried about this step since Im who I say I am and have the documents to prove it. The system couldnt automatically verify me, so I was asked to upload my drivers license and social security card to a XXXX account, which I should have known not to do. After another week passed, I reached out again and was told I could not be verified. This was odd, given that they said the approval was not credit related. They would not provide how their system verifies consumers. Further, they may be running a credit check without consumers consent, or they are pretending to and saying its only an identity verification.
Product: Debt collection

ARM Solutions out of XXXX, CA, on behalf of XXXX XXXX XXXX is actively trying to collect a debt that is not valid. I entered an agreement with XXXX XXXX XXXXl at a previous address XXXX XXXX XXXX, XXXX Texas XXXX, in 2021, with the company guarantee that their services would eliminate pest and bug problems. I called this company out on multiple occasions to no avail, as the services being provided were not adequate. After multiple visits to the home, I contacted the company to tell them that they have breached their " guarantee '' policy by not being able to eliminate or even slow the pest situation and that I was going to have to change to another company that could take care of the issue. They immediately began calling me, emailing me and texting my cell phone weekly, harassing me about a breach of contract fee that was to be charged. I told them that they were if fact, the party that had breached the contract and that I would not be paying any fees. This same scenario happened multiple times, and each time, they would tell me that a " manager '' would contact me back. When I received a call from a " manager '' several days later, it was a collection agent from another country outside of the US, who proceeded to threaten me about the " consequences '' of not paying the fees. I am completely dissatisfied with this company and the so called " service '' that the were unable to provide, as well as their shady business practices and harassment. I want all of the money back that I paid to XXXX XXXX during the time we were under contract, because they were never able to do anything that they claimed. This company is a scam and I would advise anyone who considers using them not to.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX : XXXX XXXXXXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$2700.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.
Product: Student loan

I set up payments with Navient, {$220.00} bank debit every two weeks and on set days on a set schedule. I was told to call 3 days or more ahead if a pmt date had to be changed. I called eight days ahead of XX/XX/XXXX to change the XX/XX/XXXX debit to XX/XX/XXXX and it took over an hour but eventually no problem, they said, we cancelled it and changed it to XX/XX/XXXX. But NO THEY DIDN't AND TODAY i WAKE UP TO {$220.00} GONE FROM MY CHECKING ACCOUNT and now my other bills are XXXX. Already they are demanding well over XXXX % of my income and they ca n't even debit honestly. I am REVOKING the privilege of automatic debit, they are not trustworthy. I need that money back and the pmt to be at the end of the month as THEY AGREED. I have been contacted by the AZ State Attorney General because they have too many AZ problems with Navient and they sought me out from my activity inside the CFPB website so clearly I am not alone. Of course I am cooperating fully with the AG and against Navient. I return calls to some guy XXXX XXXX ext XXXX but always a recording ... .always ... .Navient is not to be trusted
Product: Debt collection

XX/XX/XXXX, A phone call was placed to LTD Financial Services in dispute of a debt collection in amount of {$13000.00}. Representative stated that all my information matched and said that the account is with XXXX XXXX or XXXX. I asked Representative how they obtained my current address and they stated, It was on the application when you applied back in XXXX. I did not live at this current address during XXXX so that is false. I asked representative in regards to this account who was I supposed to pay. Representative states You pay us, So how much are you going to pay on the account today. I answered Nothing. I ask Rep for a copy of the recorded phone call and he replies We dont give copies etc. Representative then states well we have to get the information to prove this is your account, we shave to establish that this is actually your account. Representative said this was for an auto XXXX in which, I do not have. Call ended.
Product: Credit reporting or other personal consumer reports

I believe the following account on my credit report is reporting inaccurately and is incomplete. I believe history and balance is reported inaccurately/incompletely. I ask that you investigate this account for completeness and accuracy and notify the furnisher that this item of information is being disputed. 

Pursuant to 15 USC a consumer has a right to privacy. 15 USC 1681b Allows you to furnish a consumer report with my written instructions, however it does not grant consumer reporting agencies permissions to include any indication that they were granted that permissions on a consumers consumer report. 15 USC 1681 ( a ) ( d ) ( 2 ) provides that these types of transactions which are between the consumer and the persons making the report are PRIVATE and to be EXCLUDED from a consumer report. including this private information without lawful authority or consent of the consumer constitutes identity theft pursuant to 15 USC 1681.

If you determine that this dispute is frivolous or irrelevant, please provide me with the notice of determination within 5 business days containing the reason and information required to investigate the disputed information. Otherwise, please delete or modify this misleading information, notify the furnisher, and send me an updated copy of my credit file within XXXX business days after the completion of your investigation. 

Upon completion of your investigation, I am also requesting the business name, business address, and telephone number, if available, that was used in connection with this investigation. 

Lastly, please provide a description of the procedure used. If this investigation results in a deletion, please provide notification to all persons who pulled my credit report within the last 6 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I co signed for a student loan in the amount of {$17000.00} in XX/XX/XXXX. Things went bad and the loan defaulted. It went into collections and was reported as a Charge Off in XXXX. I monitor my credit quite often and the status has remained the same for years now. 
A few days ago I checked my credit and all of a sudden it is listed as open, with a balance due of {$33000.00} but still listed as a charge off as bad debt. The last payment on this account was XX/XX/XXXX. When I spoke to Navient this morning the only explanation that I received was, this account was flagged due to the current law suit against them. I explained to the representative that there has been no activity on this account since XX/XX/XXXX, my credit score dropped XXXX points on agency and XXXX points on another and I felt that the statue of limitations has expired for collection of this debt. I felt like it fell on deaf ears, she could not offer any explanation other than it had been tagged due to the lawsuit. I feel like there have been some violations of the Fair Debt Collection Act. I have worked very hard to rebuild my credit over the years and this has literally devastated my credit overnight.
Product: Credit reporting or other personal consumer reports

I'm trying to buy a house I realize i have damaged on my credit report. According to the usc 1681 law, there should not be any damage on my credit report. Is a defamation of my character.

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to sub
section ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal prot conte consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the del accounts listed IMMEDIATELY!
Product: Checking or savings account

On XX/XX/XXXX my California XXXX ID was stolen from a mail truck in my neighborhood. Since that time, the person that stole my ID has tried to open several XXXX XXXX in my name. When they were blocked due to a credit freeze, their next move was to walk into a Chase bank branch on XX/XX/XXXX and approached a bank teller with my XXXX ID. The bank teller, without asking for other proof of identification, proceeded to write my account number out on a withdrawal slip, and give this fraudster {$1500.00} dollars from my savings account. It happened at another branch on XX/XX/XXXX in the amount of {$500.00} dollars. I then was made aware of the funds being stolen. I called Chase, put a lock on my account and was told to go into a branch to change my account numbers. I did so on XX/XX/XXXX. On XX/XX/XXXX while out of town, the person walked into yet another branch and successfully withdrew another {$1500.00} from my savings account. I am working with XXXX to get my funds back, however, Chase keeps denying my claim of fraud saying that since the funds were withdrawn from branches near my home, they believe it was me. Also, according to Chase the signatures look similar, however when you look at the fraudsters attempt at my signature, they misspell my name, why would I misspell my OWN name?!?! I am having to jump through major hoops to get my hard earned money back and the Consumer Finance Protection Bureau needs to know about this!

You should also be aware that there was another withdrawal done from my checking account with just my Real ID in the amount of {$1300.00}. Chase has returned those funds, however, they made the decision to send the refund to my mother! I had asked them to mail me a check since I left Chase bank entirely, they instead did an electronic transfer of {$1300.00} to my mother! When she called on it, they had no explanation as to why they made that decision. 

What's most alarming though is that someone can walk into a branch with just an ID, no other proof and withdraw money from someone's checking/savings account. People need to be made aware of this. 

I have many documents that give proof off all these occurrences including a police report, however, most have personal information on it and I do not want to submit that at this time.
Product: Credit card

I noticed fraudulent activity on my card during XXXX during the lockdown period of the pandemic and called and reported in XXXX XXXX XXXX I worked with a representative and went through each statement in XXXX and we noticed a recurring charge I never purchased along with some in-store purchases I have not made. The total was for {$930.00} and the representative shared that the amount has been credits to my account and that I do not have to concern myself and that he also stopped payment from the XXXX vendors that I never approved purchases with ( XXXX XXXX, in person purchases at XXXX XXXX XXXX ). I have a history of my identity being stolen and fraudulent charges and the rep reassured that this has been resolved and I will be protected. The XXXX XXXX XXXX were purchases in XXXX and I live in Missouri at the time and was isolating due to the pandemic. In XX/XX/XXXX, all charges were placed back onto the my account and I was never notified by mail, email, or phone. I happened to be making a home purchase and I was informed if I contested again that our mortgage approval would be risked. So I had to wait until the purchase was completed all while undergoing a serious diagnosis during the year. When I called to follow up, there were representatives that said it was fraud and others said it was recovery team but there has been no consistency across the Chase representatives to resolve this and protect me from an identity thread history that continues to haunt me. I have been on time and make automatic payments and feel that the company seeks out customers who have auto payments from banks to sneak back fraudulent activity claims back on to unsuspecting customers. I did make purchases for childrens ' magazines but never purchases these other magazines. This is fraud and my credit card company did not protect me nor prevent the recurring charges as they committed to. I originally contested the charges at {$930.00} but the total is {$1200.00}.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXXXXXX XXXX XXXX XXXX XXXX XXXX  HAS VIOLATED MY RIGHT I AM NO LIABLE FOR THIS DEBT WITH XXXX AND I DONT HAVE CONTRACT WITH XXXX XXXX XXXX  THEY DID NOT PROVIDE ME WITH THE ORIGINAL APPLICATION IT LIKE I ASKED. 

15 U.S C 1681 SECTION 602 A. STATES I HAVE THE RIGHT PRIVACY.

15 U.S.S 1681 SECTION 604 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CANOOT FURNISH A ACCOUNT WITOUT WRITTEN INSTRUCTION THANKS
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this today insisting to delete the following unauthorized information on my file. With respect to Chapter 41 : 15 U.S. Code 1681, I, being a consumer, am entitled to an accurate and complete consumer report. These inquiries and collections are fraudulent. I never gave these companies written consent to report anything on my credit report nor did I give these companies written consent to have access to my consumer report. No consent is identity theft violation of : -Privacy act of 1974 -15 usc 1681b ( a ) ( 2 ) -THE FAIR DEBT COLLECTION PRACTICES ACT LAW 111-203, TITLE X, 124 STAT. 2092 ( 2010 ) FAIR CREDIT REPORTING ACT ( FCRA ) 15 U.S.C SS 1681 ( FCRA Cc : CFPB 1700 G st NW, Washington , DC 20552 FTC XXXX XXXX XXXX XXXX, Washington XXXX DC XXXX Attn General XXXX Floor, XXXX XXXX, XXXX, pa XXXX
Product: Checking or savings account

XX/XX/2023 I was charged in error by XXXX for {$47.00} because of this charge i incurred ( XXXX ) overdraft fees of {$10.00} each. I called the merchant and explained the error and they credited my account. I spoke with a BOA rep who told me he could not reverse my fees. I would never have incurred without the {$47.00} charge.
Product: Credit reporting or other personal consumer reports

Recently I looked at copy at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my undestanding that you Will investigate these item for me XXXX ensure accuracy. 
Here is the item I am asking you to verify as accurate. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I disputed this account I.C system in the amount of XXXX XXXX not sure how this got on my amount and why it still is on my credit report. 

The accounts with XXXX  are paid in full and its still on my credit report.
Product: Checking or savings account

I received a Cashiers Check from a long time BOA customer and deposited the funds in my long term BOA account at the branch the Cashier check was obtained. Upon deposit I was given written documentation stating that the week long hold was placed on ( my ) deposit because we have information indicating the check may be returned. This is a misleading, false and deceptive statement. I would like immediate access to the funds OR interest at my current savings rate of 4.75 % APR until the funds are made available.
Product: Money transfer, virtual currency, or money service

On XX/XX/23, at approximately XXXX, I was attempting to increase my weekly cash in limit on Cash App for investment purposes. One of the first search results on XXXX was linked to a supposed customer service line for Cash App, which was a fake support line. Upon speaking with the representative, they instructed me to sell my investments in order to increase my cash in limit. This was understood to be a requirement in order to reset the weekly limit on my account. I only agreed to do this because I believed it was the valid Cash App customer support line. They ultimately remoted into my smartphone through the XXXX XXXX XXXX access app, stole all of my money in the account ( ~ {$8200.00} ), and then wiped all of my data including account statements, transaction history and tax forms. Once my money had been stolen, they disconnected and hung up the phone. The number they used is ( XXXX ) XXXX. 

Once I identified the fraud, I immediately contacted Cash App to alert them of the scam and notified them that I did not intend to authorize this transaction and it was done under false pretenses. However, upon reviewing my case they quickly rejected my claim and said that it was authorized when it was clearly fraud. I also attempted to inquire about them pulling my transaction history since it is inaccessible to me, and they indicated several times that it was not available. Currently they are refusing to provide a refund for the stolen funds from my account, have again rejected my claim, and are not providing me any supporting documents or transaction history of what occurred. 

I have now lost all of my funds in my account, I am not able to gain access to my transaction history, and have no tax forms for any prior transactions. I find this unacceptable that the company is unwilling to seriously consider my claim given I have provided sufficient evidence of the fraud, and that they seemingly have no backup information tied to my account that they are willing or able to provide me. It's very frustrating as a consumer that this company seems unwilling to help and doesn't seem to have any information I feel I am entitled to as a customer. 

My claim number with Cash App is XXXX for reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report inviolation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$6300.00} XXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$580.00} XXXX Balance : {$15000.00} XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXBalance : {$180.00} XXXX XXXX XXXXBalance : $ XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXXXXXXBalance : {$200.00}
Product: Credit card or prepaid card

Received letter in mail from Chase on XX/XX/2023 stating that I need to confirm for a credit card application that I never applied for. Someone had used my name, birthday, address, and social security number to apply for a credit card. Chase flagged it as suspicious and sent the letter in the mail. I was able to call and inform them it was fraud and that denied and cancelled the application right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately : XXXX of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX XXXX-Date of inquiry XX/XX/2020 XXXX XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX/XXXX-Date of inquiry XX/XX/2020
Product: Credit reporting or other personal consumer reports

I've contacted the Credit Reporting agencies via phone and mail in regard to continuously reporting a charged-off account to my credit profile. The XXXX account has been canceled and forgiven by the lender. This account has been written off by lender and is now taxable income. INCOME CAN NOT BE REPORTED on a consumer report. I've requested a total of 3 times for this information to be removed and updated. This debt is not disputable, the company has filed it on their taxes, and tax write-offs can not be reported. This account is being illegally and inaccurately reported on my credit profile. Furnishing this account to my profile is in violation of 15 USC 1681 ( E ) B. Each credit reporting agency has the responsibility of reporting maximum accuracy.

This inaccurate reporting is severely impacting my ability to obtain credit and also violating my rights as a consumer..