23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate removal of fraudulent accounts and unauthorized inquiries listed below from my credit report. As a victim of a data breach, my personal information has been used without my authorization to open or access these accounts. I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have these items blocked and deleted. 
Fraudulent Account to Block and Delete XXXX. XXXX  - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$32000.00} Fraudulent Inquiries to Remove XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX  XXXX  XXXX  - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

( 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 anXXXX financial loss, and I seek appropriate redress XXXX for these violations.
Product: Checking or savings account

Wells Fargo has consistently lied and made false statements regarding a claim I filed to dispute unauthorized transactions on my account. I was told every reason under the book for why they could not recover my funds EVEN WHEN I was able to obtain copies directly from the company that was using the third party vendor showing complete transactions, pending transactions & cancelled transactions. Funny that all the " pending '' transactions were the charges I am disputing?? They claim I never contacted them YET they show that I had the fees reversed?! Well wells Fargo lord knows you didn't reverse them on your own in a act of good will?! Obviously I contacted you on each case to inquire into WHY my debit account was negative. EXPLAIN then what causes you to reverse the overdraft fees on my account? did a stranger contact you to ask for them to be reversed? you claim I never called, Clearly NOT TRUE. which agents reversed the overdraft fees and you'll find my calls into the matter! your statements contradict themselves just like the first 5 reasons given to me why you could not recover my funds. This is illegal!! I am protected against unauthorized transactions and yet you deny everything without a fair reason. your escalated agent even told me that he could not verify how many pages were received even though a previous rep said that they received them but the fax came through illegible.. you can't make this stuff up ... my mother past away a few months after I started my pursuit for this and I told you then as I am now I will not stop even if that means hiring an attorney!!
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes particularly in light of the recent CFPB Lawsuit which highlights significant mishandlings of Zelle. Despite using Zelle frequently and disputing discrepancies with Zelle and my financial institution, Zelle failed to address and investigate my claim adequately. The findings from CFPB signify Zelle neglected to protect consumers of the app and has allowed scammers to exploit the system and leave users vulnerable. I was a victim to a {$500.00} scam through Zelle and given XXXX handlings, I was not able to seek retribution from my bank or Zelle.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 Experian was sent a correspondent with written instructions pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) to remove accounts and late payments from my consumer report which was received on XX/XX/21. Experian failed to follow my specific written instructions when it came to my consumer report. Ive called several times to have the items removed and was not successful. On XX/XX/21 I sent Experian a notarized Affidavit of Truth in Support of Criminal Support explaining the violations they committed they received that correspondent on XX/XX/21. I also attached my consumer report and labeled 12 adverse items pursuant to 15 U.S. Code 1681c ( a ) ( 5 ) that should have been excluded from my consumer report. I have not received and update on the written instructions that was provided to Experian nor did I receive and update on the adverse items that should have been excluded from my consumer report.
Product: Mortgage

Home was purchased XXXX XXXX, 2015 at which time the subject of flood insurance was broached and we were informed that XXXX Form XXXX, determined XXXX/XXXX/15 at XXXX CDT by XXXX FloodCert # XXXX for life of loan was completed and no additional flood insurance was required. Later, lender notified us that flood insurance was required which made me then began to question how this was possible. No real answrrs were ever received from lender nor our current hazard insurance company. I could not under stand how at the closing no flood insurance was required for life of the loan then all of a sudden, it was. It was further confused by the lender assuming responsibility for first full payment of new flood insurance in the amount of {$480.00} when it was clearly paid for by us. The confusion did not end there because then we begin to received 2 monthly mortageg statements each with different amounts. I have finally had enough with this lender 's system of accounting and desire a direct end to it immediately.
Product: Debt collection

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against ENHANCED RECOVERY
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - COLLECTIONS ACCOUNT - SETTLED - XXXX STATES IT SHOULD BE REMOVED - IT'S SHOWING AS ACTIVE. 

XXXX- SETTLED W/ COLLECTION COMPANY - SHOULD BE REMOVED. 

XXXX XXXX XXXX - PAID/SETTLED -SHOULD BE REMOVED PER XXXX - XXXX XXXX  SETTLED W/ COLLECTION COMPANY - SHOULD BE REMOVED. 

XXXX XXXX XXXX XXXX SETTLED W/ COLLECTION COMPANY - SHOULD BE REMOVED. 

XXXXSETTLED W/ COLLECTION COMPANY - SHOULD BE REMOVED.
Product: Debt collection

My ex girlfriend XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXXtook my social security card and State Id and opened a XXXX XXXX account and received a capital one card overdrew them all in the time we had broke up and I was XXXX  I was in XXXX XXXX XXXX  XX/XX/XXXX I didn't get out until XXXX of XXXX for a week then I was in XXXX XXXX XXXX  for a XXXX  XXXX I just got out XX/XX/XXXX I had no access to any of my stuff at these times no permission was granted for any accounts to be open I am sending proof that I was in XXXX and any additional documents that are needed I can provide
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below XXXX XXXX XXXX XXXXXXXX Balanced {$0.00} XXXX XXXX Balanced {$0.00} XXXX  XXXX / XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX XXXXXXXX Balanced {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balanced {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was discharged from chapter XXXX bankruptcy on XX/XX/2018 and XXXX  still has an account Prosper Marketplace as showing charged off bad debt/ purchased by another lender. Account needs to be updated and corrected to reflect included and discharged in bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can contact the Equifax dispute department by phone and I ran into a brick wall. The agent ( from another country ) was incompetent and did not speak English well. I'm disputing 11 hard inquires I noticed on my credit ledger. I did not release my personal information for no new credit. However, there are duplicated inquires from the same company in the same month and day. I was told Equifax doesn't handle disputes regarding probing unauthorized hard inquires. 
Here 's a list of unauthorized inquires on my credit ledger. 

XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX  XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXXXX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXXXXXX XXXX XXXXXXXX XX/XX/2020 XXXXXXXX XXXX XXXX  XX/XX/2020 XXXXXXXX XXXX XXXX XXXX
Product: Payday loan

I am a senior citizen. I took out a loan with this company and was conned into taking out this loan. The loan amount was for {$1100.00}. 

I now realize that I am paying {$90.00} interest every two weeks on this loan UNTILL IT IS PAID OFF SENIOR ABUSE. I DID NOT REALIZE THE AMOUNT OF MONEY THEY WERE CHARGING ME. IT IS CRIMINAL
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section  605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit  reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXXXXXX XXXX   XXXX XXXX, XXXX XXXX, FL XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX Reported :XX/XX/XXXX {$920.00} Closed XXXX XXXX XXXX  Reported : XX/XX/XXXX {$2100.00} Closed XXXX XXXX Reported : XX/XX/XXXX {$1200.00} Closed
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I checked my personal credit report, which I acquired from your organization ; and I noticed that this unauthorized inquiry had been made : 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 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 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 

I contacted who placed the inquiry and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.

Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your help and assistance. 

Sincerely, XXXX XXXX
Product: Credit card

Chase Amazon ( Chase ) is confusing its customers with balance transfer offers & purchases made on the same Chase card account. Supposedly, a balance transfer offer of % interest for a specified period of time, usually 12 months, ( with a 2 % upfront ) fee, suddenly is changed to an 18.24 % interest when both the purchases & Balance Transfer are lumped together, making void the interest free period. I am being charged for XXXX separate transactions as if they 're XXXX transaction. This is deceptive. No matter they tell you when you do the balance transfer that any purchases made, in addition to the transfer, you will be charged interest each month until t he entire amount is paid off completely. This is confusing to anyone who is not an accountant & just another way the bank is charging its customers unfairly.
Product: Credit reporting or other personal consumer reports

I was completely taken aback when I saw inaccurate accounts on my credit report this morning, and Im utterly confused about how this happened. I check my credit report regularly, but this time I found discrepancies that appeared out of nowhere. I even tried refreshing the page, thinking it might just be a browser glitch, but the errors stayed put. Because of this disturbing issue, Im asking that the documents Ive sent be thoroughly reviewed, so I can stop worrying about this ever happening again.
Product: Money transfer, virtual currency, or money service

I went to go cash a check through Ingo money, using XXXX. Everything went smoothly for the first check. I proceeded to cash another check subsequently because the first one had went through, and it was declined. I called customer support to figure out why it was declined, to see if something had been done wrong and they told me that it was missing the year and to resubmit the same check again. I resubmit the same check I'm afraid to get declined again. I call customer support for them to tell me that they have informed their authentications Department of an incoming check, and a customer support told me to put the check through again in a few hours. I waited a few hours, and did so again where it declined. After calling customer support a third time, and let them know about the situation, they tell me that to try a brand new check into submit that again. At this point, going back to the same person and asking them for a third check made me look fishy, and made me embarrassed to even do this because they did not have a bank where I could cash it at so I was forced to use mobile deposits. It declined, and I called customer support again a fourth time, where they told me they would talk to verifications and let them know of another check coming through, and to try again in 24 hours where I proceeded to do so. Shortly after I waited the 24 hours and submitted the check, it declined once more and I was promptly barred from the service. This is absolutely outstanding that they would even do something like this, telling me to do all these verification checks, take no accountability with their customer service, and the fact that so many financial institutions use Ingo Money leaves me with no choice. There is virtually no service that I can use online for mobile check cashing that doesn't go through Ingo Money. They even recommended to go use XXXX XXXX or XXXX but XXXX XXXX  doesn't offer that service to everybody. Also hilarious that XXXX uses Ingo money, so the customer service representative basically did everything in their power to XXXX me out of the service, making a fool out of me, and making it impossible for me to ever use mobile check cashing again. I had to wait literally over a week for that check to clear, which was an embarrassing situation and put me in a bad spot because I was expecting that money and the client was also expecting the money to be taken out of their Bank promptly and not an entire week later, especially after writing five or six different checks, making me look like I was a fraudster. This whole situation was embarrassing, humiliating, and stupefying as to why they take no responsibility for the customer service representative telling me to do all these things, and then proceeding to disallow me from their service when I have completely legitimate checks to cash.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719 presume that no proof of the allieged debt. nor therefore any such debt in fact therefore exists. ( please remove this account before i seek litigation for defamation of character ) XXXX  XXXX balance {$XXXX}, ( please remove these fraudulent inquiries ) 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
Product: Money transfer, virtual currency, or money service

Between XX/XX/XXXX and XX/XX/2024, $ XXXX entire life savingswas stolen from my Capital One account through XXXX  unauthorized wire transfers. These transactions were not only inconsistent with my banking behavior but also involved methods I suspect included advanced techniques like SIM cloning or malware to bypass security protocols. I have never initiated a wire transfer in my life, making these transactions glaringly suspicious. 
The fraudulent transactions, which Capital One processed despite their anomalous nature, were filed under the following fraud claim numbers : Claim # XXXX : {$17000.00} Claim # XXXX : {$8000.00} Claim # XXXX : {$13000.00} Claim # XXXX : {$5000.00} Claim # XXXX : {$5000.00} On XX/XX/2024, I discovered these unauthorized transactions. I immediately filed a police report and contacted Capital One to report the fraud. My claims were handled by XXXX ( XXXX ID XXXX ), who advised that the resolution process would take 510 business days. 
Why the Delay in Noticing the Fraud?

I noticed the unauthorized wire transfers on XX/XX/2024, because I rely on a system that allows me to manage my finances efficiently without the need for constant account monitoring. My account typically has sufficient funds to cover regular expenses, and I have historically trusted Capital Ones fraud detection systems to alert me of unusual activity. The bank has consistently notified me of smaller, routine transactions, so I reasonably expected similar oversight for larger, irregular transfers. The delay in noticing was a result of reasonable reliance on Capital Ones assurances and systemsnot negligence.

Capital Ones Negligence Capital Ones negligence is twofold : Failure to Detect and Prevent Fraud : Their system failed to flag or verify these unusual, high-value wire transfers, even though they were entirely inconsistent with my account history. 
Failure to Provide Adequate Resolution : By denying my claims without providing sufficient evidence or explanation, Capital One has compounded the harm caused by their inadequate fraud protection measures. 
This lack of accountability and transparency leaves my financial security compromised and violates reasonable consumer expectations of protection and fairness. 

Attachments : While my correspondence with Capital One occurred primarily over the phone, I have attached : A copy of the police report filed on XX/XX/2024. 
A list of the fraudulent wires, amounts, and dates. 
Screenshots and logs that demonstrate the absence of verification texts or emails for these transactions.
Product: Debt collection

Pursuant to the Federal Fair Debt Collection Practices Act ( 15 USC 1692c ), you are hereby notified to immediately cease communications concerning the collection of the debt associated with the above-referenced account. This notice shall include, but is not limited to written correspondence, as well as telephonic communication. In the event that you fail to honor my request, please be advised that a written log of all contacts made by your company will be recorded. Furthermore, failure to honor this request could subject your company to liability under Federal law.

If you or any other agent of your company attempts to contact me regarding this debt, a formal complaint will be filed with the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was mailed a debit card from Frost Bank. I never opened an account with them. I called FROST Bank and they told me someone opened a checking account with my date of birth and social without my knowledge. the account was declined, I was told to contact you and all credit bureaus and to report identity theft.
Product: Credit reporting or other personal consumer reports

I traded in the car. The lot I went to paid the loan off. XXXX sent me a letter of the payoff. Since covid the keep sending me off letters first of XXXX. Then a second offer of XXXX. I got them removed off my credit. Now the sold to a 3rd party who reported incorrect names payoff amounts. I have no knowledge of who this company is. I have not made any agreements with them. I have no business dealing with them at all. I continue to dispute this charge with them. It is fraudulent they have my personal information without any consent or knowledge of me personally.