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

On XX/XX/XXXX I placed an order for 6 dresses to XXXX via XXXX, with payment made via PayPal. 
- On or around XX/XX/XXXX, the dresses arrived and I discovered that they were knockoffs. 
-On or around XX/XX/XXXX, I submitted a return ticket to XXXX via XXXX, which was within a week of receipt of the merchandise. 
XXXX XX/XX/XXXX, XXXX approved the return. 
On XX/XX/XXXX, I filed a dispute with XXXX XXXX XXXX XXXX regarding the knockoff dresses not being as advertised and a failure of XXXX to provide me a US return shipping label despite the merchandise being mailed from a XXXX XXXX. 
-On or around XX/XX/XXXX, I sent proof of return of the XXXX merchandise to PayPal for the dispute case. 
On or around XX/XX/XXXX, XXXX XXXX XXXX XXXX issued me a temporary credit in the amount of {$240.00}. 
-On or around XX/XX/XXXX, PayPal resolved the case in my favor and refunded {$240.00} to my bank ( per email attached ). 
-On or around XX/XX/XXXX PayPal closed the case in my favor and the {$240.00} was released. 
XXXX XX/XX/XXXX XXXX claims that PayPal refunded the {$240.00} back to my bank. ( See attached email ) -On XX/XX/XXXX I was on a 3-way phone call with PayPal and XXXX and PayPal insists that theyve refunded {$240.00} back to XXXX on XX/XX/XXXX. PayPal sent an email confirmation to confirm that the {$240.00} was refunded back to XXXX. 
XXXX XXXX XXXX XXXX XXXX the money back to XXXX who promised to refund me upon the PayPal case closing as PayPal had the {$240.00} on hold.
Product: Consumer Loan

XXXX XXXX i filed for XXXX and noticed that i am a victim of XXXX. Someone took out a personal loan/loans using my identity. there for ruining my credit. in XX/XX/XXXX.It has been going on since XX/XX/XXXX
Product: Checking or savings account

On XX/XX/2023 in the afternoon before bank closing time the bank manager located on XXXX XXXX XXXX in XXXX, NY XXXX refused to allow the withdrawal of funds when given a photo identification and other proof of identification at the branch location. The funds in the bank are in the amounts of {$320.00} savings and {$5.00} checking. Both bankers were very rude, and questioned me regarding the transactions on my account. They suggested that I was receiving illegal money for the deposits made to the account, each of the deposits are the same payor as it has been for the last five years. The bank was abusive to me, made me sit in the middle of the bank while the manager went into her office and then came out questioning me in front of other customers about by account. She then said she had a " meeting '' and that I would have to wait. The next person who came out to assist then took me over to a cubicle where the identification and transaction confirmation, statement review was done to show that there have been several deposits made and this is not illegal for someone to have money in their bank account. Being this person was supposed to be a banker, I should not have had to explain myself regarding why I had money in my bank. The questions were innappropriate and the banker was very abusive. She refused to allow me to have access to my own money or bank account and she is a contributor to human trafficking in New York state. I have been humiliated and assaulted as a result of this and other incidents regarding my own personal bank accounts.
Product: Debt collection

I attempted to dispute a collection on my account from XX/XX/XXXX, on XX/XX/XXXX as not my responsibility. I never received a notice of a balance and when disputing the collector, they sent me a " proof of responsibility '' with my name, address, diagnosis codes and insurance company from my medical visit which is protected information under HIPAA. They took 3 years to send this to me. On my credit it says it was only added in XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

I checked my credit report the other day to find that I had XXXX unauthorized credit inquries on my report from earlier in the year
Product: Vehicle loan or lease

My car was wrecked on XX/XX/XXXX and deemed a total loss on XX/XX/XXXX. One week later the insurance total loss adjuster established the total payout amount for the car. I gave the adjuster the finance company contact information in order for her to get the total payout amount for the wrecked vehicle in order to settle the amount due. Around XX/XX/XXXX I received a call from the finance company stating that my payment was past due. I informed them that I no longer had possession of the vehicle, it had been total loss due to an accident and that the insurance company were given their contact information in order to pay off the car. Immediately after I called the total loss adjuster and informed her of what the finance company stated concerning the payment, she stated they would " cut the check immediately. '' Three weeks later, after receiving no follow up from the insurance company or the finance company and assuming the payout check had been received, I noticed a change on my credit report. The finance company has reported my car payment as 30-59 days late and has caused my credit score to plummet. So I contacted the insurance company to see why they have yet to pay off this vehicle they now have possession of, they informed me that for 3 weeks the finance company hasn't answered their phone calls and is refusing to send a letter of guarantee in order for insurance to pay off the car. I contacted Ally several times in which they continually lied to me stating they have received no correspondence from insurance and refusing to allow me to speak to a manager or supervisor. Even with knowledge of the accident and after receiving numerous calls from insurance they have continued to add daily finance charges for each day they can drag things out. They are also continuing to report these bogus charges in my credit report, drastically affecting my credit. On XX/XX/XXXX I filed a complaint to the XXXX. After receiving the complaint, Ally finally acknowledged the correspondence from insurance and sent the letter of guarantee, which states that if they send the pay out amount the determined for the value of the vehicle they will take possession of the vehicle and own the vehicle. On XX/XX/XXXX the insurance company issued the pay out check, sending me a confirmation email when they issued it. Ally has yet to update the balance owed and continues to add additional finance fees although they have received pay out from insurance. They are still reporting these bogus charges on my credit report. They are also refusing to file the GAP insurance I purchased with the vehicle in the event of an accident, GAP would cover any additional charges that insurance didn't pay. I have not had possession of this vehicle since XX/XX/XXXX. This is not fair and should be illegal! Ally customer service is a joke! They will lie to you before you can take a breath. They all crooked and should be SHUT DOWN!
Product: Debt collection

Date opened : XX/XX/XXXX Last date reported : XX/XX/XXXX Balance : {$190.00}
Product: Credit reporting or other personal consumer reports

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

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

In my previous complaint, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXXXXXX XXXX XXXXXXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I attempted to make a withdrawal from my Marcus Savings account by Goldman Sachs on XX/XX/year> and it was temporarily available. The next day, my account was locked and I had no access to it. 

I called immediately and given my information to help identify my account with my name, date of birth, last four digits of my social and the secret word.

I was notified that they couldnt authenticate my identity because my phone number didnt qualify. The customer support agent recommended to verify with my ID, however because Im a Washington resident- it doesnt qualify. 

I was told Id be given a call within XXXX business day ( XXXX XX/XX/year> ), I waited and received no call. I waited for XXXX business days and called back and was told the same thing but to wait longer this time : 3-7 business days.

I havent done any fraud or anything against the terms and conditions of the account. Id like access to my account to withdraw my funds and pay my bills since its only Money Account I have funds in, please help!
Product: Credit card or prepaid card

The company offered a {$50.00} reward if I charged at least {$500.00} on the card in the month of XXXX. I did that. However, I did not recieve {$50.00}. when I complained, I was told Venmo is not responsible for their card. That makes no sense. How can Venmo not be responsible for promised made in their name and on their card? 


" Limited time offer : score a {$50.00} bonus when you spend {$500.00} with your Venmo Credit Card by XX/XX/2022. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

See attachment detailing where I have identified information on my reports that are a result of identity theft these items are not related to any transactions completed by me are have ever seeked.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I am not able to access by credit report through XXXX, nor through any of the consumer reporting agencies ( XXXX, XXXX or Experian websites give me an error message and will not let me access ). I would like to receive my consumer report ( s ) by mail. I am a victim of identity theft and I have not been able to review my consumer report on a monthly basis since XX/XX/year>.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
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 Customer 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 huge financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

[ XXXX XX/XX/XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX XXXX ] [ XXXX, mi, XXXX ] TransUnion XXXX XXXX Assistance Department XXXX XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are listed. A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply. Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Today, as I was checking my credit report XXXX cant help but notice that there's an inquiry in it that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report, it is stressing me out and making me anxious.
Product: Checking or savings account

On approximately XX/XX/2023 at XXXX XXXX an order for XXXX boxes of checks from XXXX of my accounts appeared on my online banking app. I did not order the checks so I immediately called the bank. They agreed to put a freeze on my account and said I should come to the bank in the morning and they would protect me by closing the old accounts and giving me new ones. 
The next morning they showed me the fraud alert and then showed me a check with the first name XXXX or XXXX made out to the check holder. The banker was very amused by the name and informed me that that cashed the the check for {$980.00} and gave him the money from my account. He then presented more checks through the night which they continued cashing until he presented a check for {$4500.00} which they refused to cash because I was too severely overdrawn. I was stunned. The bank Chase, then opened new accounts with a small amount of money in them. I was asked to sign nothing, told nothing given no paperwork not even the numbers of my new accounts. I am severely XXXX and my nurse insisted that XXXX hours was to long for me to continue to sit there and they should call me at home. When I got home I found I could no longer access my online account. I called them the next day and they insisted I come to the bank, my physician refused XXXX let me go because I was in a XXXX XXXX and have XXXX XXXX scheduled this week. They put me on hold and transferred me back and force for XXXX hours reiterating that they would not give me my account number unless I went to the bank.Finally XX/XX/XXXX the police intervened and I was given my new account numbers but I still can not access any transactions prior to XX/XX/XXXX and none of my money has been returned to me.
Product: Credit reporting or other personal consumer reports

Complaint Facts Consumer Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX # XXXX, XXXX Texas XXXX Consumer Social Security Number : XXXX Consumer Date-of-Birth : XXXX This CFPB complaint has been filed 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 the following identified accounts ; XXXX XXXX XXXX, Account number private, Balance {$3300.00}, Date opened XX/XX/XXXX XXXX XXXX, Account number private, Balance {$960.00}, Date opened XX/XX/XXXX XXXX XXXX  XXXX, Account number private, Balance {$860.00}, XXXX opened XX/XX/XXXX XXXX Account number private, Balance {$34000.00}, Date opened XX/XX/XXXX XXXX XXXX XXXX, Account number private, Balance {$1200.00}, Date opened XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

I have also provided Proof Of Identity as well as Proof of Residence documents for your review and confirmation of my identity.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX  Balance Owed : {$290000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to fair credit reporting act the following accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC168. 
XXXX account # XXXX XXXX XXXX Account # XXXX 15 U.S.C. 1681 section A. states that I have a right to privacy 15U.S.C 1681 section 604A section 2 States a consumer reporting agency can not furnishing account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) secret also States no consumer reporting agency may make any consumer report containing any of the following forms of information. Any adverse item or information other than records of convictions of crimes which antdates the report by more than 7 years.

15 USC 1681s2 a1 A person shall not furnish any information relating to a consumer to any consumer reporting agency if a person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I was charged {$35.00} on small amounts for over drafts when I had specifically asked for overdraft protection