23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have already tried to contact you regarding this fraudulent account however your customer service rep will not speak to be about this account since none of the info verify to me. This account was opened as a result of identity theft. I have never received communication from you regarding this account. I will attach my ID that includes my address which I have been at for over 10 years. Your agency is infringing on my consumer rights by using misleading, false and deceptive tactics. Ive already tried to resolve the issues directly with you but you continue to violate my rights. For each violation listed, I am entitied to {$1000.00}. You must either compensate me or remove this account immediately.
Product: Debt collection

To Whom It May Concern, I recently reviewed my credit reports and was shocked to find a collection account from Consumer Collection MN for what is purported to be a XXXX XXXX debt. I am formally disputing this collection, as I do not recognize the debt and have no recollection of ever having this account. Furthermore, I have never received any communicationwhether by phone, text, email, or mailregarding this alleged debt. This includes the XXXX letter that is required to notify a consumer of a collection. The lack of prior notification has raised significant concerns regarding the validity and accuracy of this account. Due to this erroneous reporting, I have encountered difficulties securing credit, which is now directly impacting my ability to obtain a home loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

EXPERIAN : XXXX XXXX XXXX Balance : {$7900.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$7900.00} XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report.I have not initiated any transaction with these companies that have been listed as inquiries. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with these inquiries for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 
My information was sold and bought illegally because I am a victim of XXXX data breach. I want these items deleted off my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach. Please help me delete these negative accounts on my credit reports that have been removed from my other credit reports : XXXX XXXXXXXX, Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, Inquiry : XXXX XXXX, XXXX  XXXX XXXX, Inquiry : XXXX XXXX, XXXX credit reports listed below with the dates attached to inquiries that does not show open accounts on these dates. I do not contact these companies and I am attaching proof of data being breached through XXXX web and data breach from XXXX. All Credit Reports By Law List The Same Accounts For All Reports To Accurate And If and When Something Is Proven To Be False or Inaccurate and Removed From one Credit Report All Other Reports Should Do The Same.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX agreed to remove two late payments ( XXXX and XX/XX/2020 ) and accordingly contacted all three credit bureaus. All removed but TransUnion.
Product: Debt collection

I get calls almost every other day from Capio partners. When I am able to answer I state that I do not owe the debt and that I have already contacted insurance company to verify. I am repeatedly told that you are stating that you refuse to pay the debt and we will note your account as such and when I try to speak to defend myself I am hung up on. This happens every time and I consider this harassment and falsifying records because I am not refusing to pay debt I am stating it is not mine to pay.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : CHILD SUPP XXXX {$9500.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

Received phone call from a purported litigation company, XXXX XXXX, XXXX advising they were attempting to collect a debt from Orchard BankXXXX account opened XXXX and closed in 2020. They reported they had a lawsuit filed in the jurisdication in which I reside and were going to " put me before a judge and explain to him or her that my debt was paid in full '' after I calmly advised her she was full of it and there was no debt. She identified as XXXX XXXX and sounded not American, but the accent was difficult to identify.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX  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. XXXX15 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

To Whom It May Concern, On XX/XX/22, I contacted XXXX XXXX XXXX company to inquire about a collection on my TransUnion report. The agent advised me that they do not have a collection and that I needed to send a screenshot of the erroneous reporting to TransUnion, which I did that day. 

Now, more than two months later, I am still seeing the collection on my TransUnion report. XXXX XXXX is stating they can not do anything about it because it's not in their records, and TransUnion never responded to my letter.
Product: Checking or savings account

On or about XX/XX/XXXX, i opened a Certificate of Deposit online with US Bank at their website. On XX/XX/XXXX, I visited the US Bank Branch at XXXX and XXXX, XXXX XXXX XXXX XXXX, XXXX, Colorado XXXX Branch " XXXX '' to deposit {$1000.00} in cash to fund the CD. I was given a receipt and told it would be deposited in a couple of days. As of one week ago, when i contacted US Bank, which in turn pushed the complaint to the branch manager, XXXX XXXX XXXX XXXX, he told me that it would be a couple of days to complete the deposit. Daily I have checked the account ; daily the {$1000.00} has not been deposited into the account. Although he said that the money would be credited as the funded date, there is no evidence of what happened to the {$1000.00}. I contacted US Bank again today with no luck ; i then called the Federal Reserve Bank Consumer division and they forwarded me to the consumerfinance.gov website where i am filing this complaint against US Bank. This is the year XXXX ; i can't have the foggiest idea what would take more than a couple of days to fund this account and bee accountable for the {$1000.00} cash i gave the branch manager on XX/XX/XXXX Is there something i don't know about the registration of a CD that takes more than a couple of days. When i put money into the bank, it is immediate, when i take money out of the bank, it is immediate. Why would it take over ( at this point ) two weeks to show where my money is. Please look into what i would think is a violation of the law. 

While writing this complaint from work, the copy of the cash receipt is at home. I can forward it when i return home..
Product: Debt collection

Collection Agency COLUMBIA DEBT RECOVERY LLC DBA GENESIS Original Creditor Name XXXX XXXX XXXX XXXX Formal Response : Creditor did not report any outstanding balance based on XX/XX/XXXX dispute of charges filed with XXXX XXXX. Lease agreement was fulfilled on XX/XX/XXXX Date Assigned XX/XX/XXXX Formal Response : Account information was never filed or contract to XXXX XXXX by XXXX XXXX XXXX XXXX Corporate office did not sell or contract any remaining debt nor did they report to XXXX 

Original Amount Owed {$1000.00} Amount {$1000.00} Formal Response : They are charging interest however there is no statement / clause from original rental agreement provision for interest charges. I've repeatly dispute alleged original amount including interest charges. I've recieved repeated online screenshots of a Ledger and first page of rental agreement, which is not the original documents. As a victim of identity theft, I've requested verification of identification. 

Status Date XX/XX/XXXX Status UNPAID Formal Response : There is no outstanding debt owed to the XXXX XXXX XXXX XXXX and when communication was made with collection agency rep I disputed this several times and requested multiply times for the collection agency agreement with said client including all provision to collect on a debt not owed.
Product: Credit card

I 've recently updated my mailing and email addresses with the credit card company online. This raised an identity/security alert on their system. In the past when I have taken such action, I 've gotten a phone call or something in the mail confirming that. However, this time around the company wanted me to email or mail in copies of my documents ( SS card, DL License and utility bill ). I found the request to be a bit unusual and raised security concern on my end. I do not feel comfortable sending such info. to them ; and asked to cash out or credit my earned " cash back/rewards '' balance towards my outstanding balance. They refused to work with me on that stating that the account has pending ID verification concerns. I offered them an option mail the check to the previous ( original ) address or verify the info. over the phone ( unchanged ) to which they refused. I 've made the payment for full outstanding balance on my account and there is no pending balance whatsoever. However, when requested via customer service phone number the credit card company wo n't allow me to close my account. I have no intention of using the card again or do any business with the company and therefore I see no reason to leave the account open which could have negative impact on my credit history/report.
Product: Money transfer, virtual currency, or money service

Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened at under the XXXX XXXX on XX/XX/year> under the account number ( private ). I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned account appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I was running an ecommerce business in XXXX  & opened a Chase bank to process my transactions through. 

I ended up processing roughly XXXX  XXXX through my checking account. I was able to transfer some of these funds ( roughly XXXX  XXXX ) but Chase froze my ability to be able to transfer my money out of my checking account in early 2021. 

At the time I didn't mind because I was at least still able to use the funds in the account. Chase then completely froze the money and would not allow me to use the funds for any purpose. 

After 7 months of fighting back and forth with customer service and going in and out of several Chase branches trying to figure out what was going on, I received the same response every week when I called in which was " I can't inform you on what's going on, call back in another week '' I then started researching the chase terms of service under which it says that Chase can only hold funds for 1 year and is then REQUIRED to disburse the funds back to the owner. So I waited the year, and still nothing happened. I received the same response from the Chase branch representatives and customer service.

Although this time, it turns out that Chase DELETED my account. So now my entire checking account and all my money are gone.

It has now been over 2 years, and I still don't have my money. I have now came to the conclusion that Chase will not be disbursing my funds and have pretty much stolen them from me. I am now going to be heavily pursuing this matter to retrieve my money that was stolen from me.
Product: Checking or savings account

I was charged an overdraft fee of {$20.00}. My account was never negative. When I made the transfer to my XXXX account on Navy Federal transfer screen at XXXX XXXX EST  said I had {$160.00} and a couple hours after the transfer of {$160.00} it said I had {$7.00}. I was in the positive the whole time on my end until Navy Federal charged me an overdraft fee of {$20.00} which then made my account negative. Later on Navy Federal charged me a fee and thats when my account became negative {$12.00}. If I didnt have the funds available the system on my Navy Federal app on the transfer screen should not have said {$160.00} in black bold numbers at XXXX XXXX right after I made the deposit in the ATM so I went ahead and transferred which left me with {$7.00} positive balance. I should not be charged a fee if what I saw on my end that funds was available even to transfer. The agents that I spoke to and explained all this to them were extremely rude and made me very upset. They did not help me at all they just made things worst. Thank you for your time.
Product: Credit reporting or other personal consumer reports

Account Name or Number : XXXX XXXX XX/XX/XXXX Dispute Reason : " This account is not mine '' Account Name or Number : XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Dispute Reason : " This account was CANCELLED AND PAID. '' Account Name or Number : XXXX XXXX XXXX XX/XX/XXXX XXXX Reason : " This account is not mine '' Account Name or Number : XXXX XXXX XXXXXXXX, XXXX XX/XX/XXXX XXXX Reason : " This account was CANCELLED AND PAID. '' Account Name or Number : XXXX, dated XX/XX/XXXX Dispute Reason : " This account was CANCELLED AND PAID. ''
Product: Debt collection

I have requested validation and proof that I owe this debt on 4 different occassions. Each time, they send the same letter that says we received your request and they send the same 1 page ledger. I always reply certified mail, with the communication email chain I had with the office showing that I provided notice. I also have provided the lease of my new location to show that I moved long before the dates that they say I owe. 

I have provided all documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX have accounts that are reporting wrong and incorrect information. I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account from XXXX XXXX with the account numbers XXXX, XXXX, and XXXX are reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment XXXX XXXX EXPERIAN XXXX AND XXXX ARE BREAKING THE LAW. Pursuant to subsection ( A ) 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. I, XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( XXXX ) be removed from the following account ( XXXX ) immediately. XXXX  XXXX XXXX, XXXX, XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Date : XX/XX/XXXX XXXX XXXX Department po box XXXX XXXX, PA XXXX Re : Formal Dispute of Unauthorized Account on Credit Report Dear XXXX XXXX Department, I am writing to formally dispute the accuracy and authorization of an account listed on my credit report. As per 15 U.S.C. 1681b, I have never provided written consent for the furnishing or acquisition of my consumer report information for this account. Therefore, its inclusion on my credit report is a violation of the Fair Credit Reporting Act ( FCRA ). 
The disputed account is as follows : Account Name : XXXX XXXX - XXXX Bank XXXX Account Number ( Last XXXX Digits ) : XXXX Balance : {$5200.00} Status : Charge-off To resolve this matter, I request the immediate removal of this account from my credit report. Under the FCRA, you are required to investigate this dispute and provide results within XXXX days. Please send me written confirmation once this unauthorized entry has been removed. 
Enclosed, I have included copies of my credit report highlighting the disputed account, along with proof of my identity for verification purposes. 
Thank you for your prompt attention to this matter. I look forward to your confirmation of resolution. 
Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ) Section 605C, negative information on your Credit Report attributable to XXXX may be BLOCKED from your credit report. Remove these entire items from my credit reports because these items is, or contains adverse information that is, the result of my being a victim of XXXX XXXX. These accounts need to be blocked and removed according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) Please remove item within 4 business days : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I had two fraudulent charges from the same vendor ( XX/XX/XXXX) show up on XXXX XX/XX/2020 on my Chase credit card. Only one of the transactions triggered an alert. I received that fraud alert and I acted on it and the charge was dismissed ; but the second charge of {$95.00} did not trigger an alert and now I can't get Chase to refund me the money. 

Their website instructions say that I can click the " Dispute a Transaction '' link in theXX/XX/XXXX detail tab, but that link does not exist. I have tried for months to reach Chase, but the only way to dispute a claim is to call their 1-800 number, and every time I've tried that no one has picked up or I have been disconnected. 

The fact that they don't have a self-identify fraudulent activity functionality, don't have the bandwidth to answer their fraud hotline, don't have a chat function on their website to assist customers, haven't provided an email address, and can't flag a fraudulent vendor within their system are all concerning. A bank like Chase should have these measures in place. They do not have basic fraud reporting measures in place.