23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/23 I added funds to my account. Later that day, I also received my direct deposit. After I added funds to my account I did not use the card anymore. When I checked my account for my deposit later in the day, I noticed the money I added earlier was gone and only my deposit was left. I realized then my card was not in my possession so I moved the money and filed a dispute on XX/XX/23. The bank denied my dispute on XX/XX/23 saying no error occurred. I requested documentation to show no error occurred to which I only received the intake form where I filed the dispute. I have called several times and spoken to about XXXX agents and XXXX supervisors. They were all helpful and Ive had XXXX rebuttals opened, however my claim is continuously denied when Ive provided evidence. The supervisor I spoke with on XX/XX/23 stated my evidence submitted proves I was not at the locations the unauthorized transactions were made. I am not understanding how they are continuously denying my claim. This is very upsetting that my money is not being refunded and I feel the bank is not taking my concern seriously.
Product: Debt collection

I received a call from some man who would not identify himself from XXXX XXXX stating he was going to have me arrested tomorrow. I asked what he was calling about and he said fraud and I asked again and he would not answer me then attempted to have me verify my social security number and when I said to send something in writing he refused and said all business was handled over the phone. I asked him not to call back and he has been calling me every hour for the past XXXX hours and threatening me if I do not give him my bank account information. He also keeps saying I committed fraud. Fraud on what I have no idea what he is talking about. I asked for proof and he said see you in court tomorrow. he calls from a blocked number is a XXXX number and then leaves XXXX as the number to call back
Product: Credit reporting or other personal consumer reports

Amazon- Someone tried to open a credit acc without my permission XXXX Someone tried to open a credit acc without my permission XXXX XXXX XXXX  Someone tried to open about 5 loans without my permission XXXX XXXX  Someone tried to open about 5 loans without my permission XXXX XXXX XXXX  Someone tried to open about 5 loans without my permission XXXX XXXX  Someone tried to open about 5 loans without my permission XXXX XXXX  I have more then one inquiry from them XXXX XXXX XXXX Someone tried to open about 5 loans without my permission XXXX denied me I was told about XXXX lies on a car I was trying to purchase they said I could get the car with XXXX k down but then said I had to put XXXX XXXX down which is misleading and fraud Some of these car loans places wouldnt approve me without a co signer. After they said I could get one and be approved they lied about that cause I still didnt get approved for the loan at all once I acquired the co signer My bank which is JMPCB AUTOS lied said I couldnt get a loan but I talked to someone and they said they didnt have a problem getting approved with their new credit and just starting off which means misleading info and prejudice XXXX XXXX XXXX XXXX which is also my bank did the same thing mislead information to me
Product: Credit reporting or other personal consumer reports

I put in a reinvestigation dispute on EXPERIAN because I did not agree with the reporting they have been doing. It is false and inaccurate reporting and according to Fair Credit Reporting Act I have a right to a fair and accurate reporting. Which is not being shown. I have disputed this in the past and their updating and verifying this account with inaccurate information and at this point its past the dispute process aswell as reinvestigation as I have now disputed this account XXXX time hoping for a accurate and fair surety report. They have never updated it with correct information. I have proof that they have been reporting false information for months now and after several disputes it is still not right. I DEMAND YOU DELETE this account from my CREDIT REPORT IMMEDIATELY OR I WHILE BEGAN FILING LAWSUIT for violating the FCRA, consumer rights, and this is causing me grief harm and anxiety as this has been a continued problems for a couple of months now. 

Attached below are recent dispute from XX/XX/XXXX. 
Report number : XXXX Date XXXX Also attached below is proof of inaccurate reporting over and over and proof from the contracted from this account has different information on it than whats reporting.
Product: Credit reporting or other personal consumer reports

According to the FCRA convergent account # XXXX has violated my rights.

FCRA section 605 B. It is illegal to report information on my credit report without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my dispute XX/XX/XXXX and have yet to receive an update in over 30 days. Consumer-reporting agencies must correct or delete information that is inaccurate, incomplete or unverifiable within 30 days. 
The items in question to be removed are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX Credit Card XXXX account # XXXX Should also be deleted : Public Record from a XXXX XXXX Bankruptcy on XX/XX/XXXX.
Product: Credit card

Ive had fraud on my Barclays XXXX XXXX and have never received any correspondence or request for information previously. Out of the blue one day I received a call asking for additional information and stating that they would be sending me a form that I would need to complete and sign which was some kind of affidavit, which I did n't receive until XXXX/XXXX/16 from charges that occurred in XXXX 2016. I also spoke with a woman named XXXX who asked me about getting a police report filed to which I did and ended up having to drive over 2 hours to get for them because they would not accept the report number and needed a copy. Well I have done everything they have asked me to do and went through great lengths and hurdles to do what they asked. Now after doing everything they have asked, they are trying to hold me accountable for fraudulent charges that I did not make. Spoke with a Supervisor name XXXX on XXXX/XXXX/2016 who said that she confirmed that the police report was received and she would send the claim to another investigator to re review and at this point charges were not back on my account. I called XXXX/XXXX/16 and spoke with another woman named XXXX who advised me that they did not show any notation of the police report so I faxed it again and I also received an affidavit which I faxed back as well. I call again today XXXX/XXXX/2016 and find charges back on my account and speak with XXXX again and she explains theres nothing she can do because the bank was n't able to determine whether or not I benefited from the transactions that they decided to make me accountable for the charges. This is completely wrong!! Ive done everything they 've asked me to do and they have waited 2 months to ask me for anything and now want to hold me accountable for something I did n't do and because according to the supervisor XXXX because they ca n't determine if I benefited or not they are holding me accountable and I would need to seek options outside of the bank. This is wrong, Ive done everything they asked me to do including making a police report and signing and getting everything they 've asked me to do and now they want me to be responsible for something that I took no part of or benefited from, this is wrong
Product: Debt collection

In XXXX  a loan was taken out in my name. When I gainedknowledge of this loan I immediately contacted Affirm to reportthe fraudulent account and followed their instructions to reportthe fraud. ( Police report and FTC complaint ) Affirm came backafter a few months and told me that they investigated thisaccount and determined that the loan was mine. I asked for theproof which they in turn cut all communications. Fast forward toXXXX and this is on my credit report as a default and I continue toask Affirm to provide all documentation that shows this is myaccount to this date Affirm has only provided a truth in lendingwhich shows it was signed electronically and a loan verificationsheet. Neither of these documents show anything other that itwas signed electronically. I have asked for a delivery signature orsomething with my signature and nothing has been provided.
Product: Credit reporting or other personal consumer reports

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


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I have been using my Paypal account since XXXX. 

XX/XX/XXXX I have called Paypal to address an issue with an international money transfer that caused my account to become temporarily limited. 
The Paypal representative told me that I need to provide a tax id, photo id and selfie in order to remove limitation. 
I have followed the instructions and provided all required information using my phone and we finished the conversation with Paypal representative. This happened ~ XXXX because I have received email from Paypal at XXXX thanking me for adding my tax id. 

XX/XX/XXXX I have received an email at XXXX indicating that my account has been deactivated. Below is the email : We're unable to continue processing payments for this account We strive to provide our customers with seamless and user-friendly payments solutions. Unfortunately, sometimes we can't process activity for a variety of reasons, including local laws, our policies, or the policies of our partner banks and card networks. 
Based on the information we have today, it looks like there was information used to create this account that we can not verify.

What can I currently do with my account?

Unfortunately, at this time most of your account features have been deactivated.

We may hold any funds in your account for up to 120 day ( s ) to cover things like chargebacks or other financial liabilities. We'll review the account periodically to see if we can release any remaining funds sooner. We'll email you the outcome of each review. 
You can still view your transaction history, download account statements, or request copies of your data.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm demanding that the following fraudulent accounts inwhich derived from identity theft be removed & blocked from my credit files. 

1. XXXX ss {$71.00} 2. XXXX {$100.00} 3. XXXX XXXX XXXX  {$470.00} 4. XXXX XXXX XXXX  {$83.00} 5. XXXX {$760.00}
Product: Credit reporting or other personal consumer reports

I am deeply disturbed by your ability to undermine my confidence in the banking system. The banking system is dependent upon fair and accurate consumer reporting, pursuant to 15USC1681 ( a ) ( 1 ). I noticed accounts that are on my consumer report ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$260000.00} Pursuant to 15 USC 1681b, I am demanding to see in writing where I gave written instruction or permission to report this erroneous information on my Consumer Report.

A consumer reporting agency may furnish a consumer report under the following circumstances and no other with the written instruction to whom it relates.

When did I give EQUIFAX written permission to furnish this account on my consumer report when i was never notified or attended any court meeting? My social security number was used to furnish this account without my written permission on my consumer report. That is the definition of identity theft.

15 USC 1681Q Obtaining information, Under false pretenses. Any person ( PERSON- definition ) - Any individual, partnership, corporation, trust, estate, cooperative association , government or governmental subdivision or agency of entity.

That is the definition of IDENTITY THEFT.

15 USC 1681C 2- Block of information resulting from identity theft EXCEPT or otherwise provided in this section A consumer reporting agency SHALL BLOCK the reporting of any information in the file of a consumer that the consumer identifies information that resulted from an alleged identity, not later than 4 business days after the date of the receipt by such agency
Product: Mortgage

Wells Fargo denied my loan modification stating they would have to forgive {$15000.00} in order to accomplish modification. However, they can not explain why they are adding that amount to my loan. I owe approx. $ XXXX on the loan but they claim I actually owe $ XXXX which is incorrect. My single point of contact at Wells can not tell me where that $ XXXX amount is coming from, and it does not appear on my mortgage statements and never has. When I visited a Wells Fargo branch over the weekend on XXXX/XXXX/16, the representatives there could not explain why Wells claims I owe $ XXXX when I actually only owe $ XXXX and they were looking at my mortgage account as we discussed. I told them that the $ XXXX amount was stated in the npv results in loan modification denial as my capitalized unpaid principal balance amount but they could find nothing in my account to support that number. They also did not know who I could ask at Wells to find out more information because I told them I already asked my single point of contact and she could not answer where that $ XXXX was coming from. In fact, I do n't owe $ XXXX. I believe Wells is mistaken or just purposely seeking to add $ XXXX to my loan balance to make up a reason to deny for a HAMP modification. This is especially time sensitive because HAMP is ending at the XX/XX/2016. I am asking you to demand that Wells provide all proof that the total debt on my loan is {$600000.00}, I have a good faith belief there is no proof and it 's merely a tactic to deny loan modification.
Product: Debt collection

The Lanlord informed i was discharged from the debt due being abused and the Lanlord released me from the lease and supplied paperwork regarding the release.

its a violation from the Federal Law per frca guidelines
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 address fraud on their platform, leaving vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error solution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E.
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex wife and I were victims of predatory lending in XX/XX/XXXX with XXXX XXXX. Divorced in XX/XX/XXXX. She deeded the home to me in XX/XX/XXXX. Unable to pay on my own I was almost in foreclosure XXXX. The home was upside down in value. I finally modified ( Ocwen  ) the home in my own name in XX/XX/XXXX. New servicer ( PHH ) came in at the end of XXXX putting my ex wife back on the note. I finally had to stop paying since the new servicer refused to take my ex of the note. When the old servicer agree to take her name off. XX/XX/XXXX I had no choice to take the servicer & trust ( XXXX ) to XXXX Supreme court. Upon further research after filing summons & complaints, I've come to find out that the mortgage has been paid in full by XXXX XXXX  insurance. This means that the servicer is now trying to double collect. I have a quite title on my property. Of course I am running out of funds fighting against the big banks. XXXX has already been awarded by XXXX Supreme Court against XXXX XXXX  XXXX XXXX at the end of XXXX for over a XXXX dollars. In turn my ex wife has taken me to court for contempt over the same issue. My lawyers bill are surmounting! I have tried to refinance but the derogatory remark is still on XXXX of my credit reports.
Product: Student loan

I am writing to provide a brief account of the misleading practices I encountered while attending the XXXX XXXX : Accreditation Status : I was falsely informed that the XXXX XXXX was fully accredited. 
Transferability of Units : Credits earned were claimed to be transferable, but they were not accepted by other institutions. 
Employment Success Rate : The advertised high employment rates for graduates were significantly lower in reality. 
Expected Salary : The actual salaries offered were much lower than what was promised. 
Despite attempting to address these issues with the XXXX XXXX and Navient, I have not received satisfactory resolution. Specifically, Navient refused to provide me with the School Misconduct Files and Application, stating : " Thank you for inquiring about a school misconduct discharge for your private loan. Your loan type ( Refinance ) does not meet the criteria for you to receive an application. If you are having difficulty making your current payment amount on the loan and are seeking information on any options that are available to you for your specific financial situation, please call us at XXXX where a specialist will work with you to assist you further on this matter. '' Thank you for your attention to this matter. I look forward to your response.
Product: Credit reporting or other personal consumer reports

I have raised multiple disputes with XXXX, XXXX, and Experian regarding inaccurate information on my credit report, yet the errors remain unresolved. Despite my repeated efforts to have the inaccuracies corrected, no meaningful action has been taken.

1. Failure to Investigate ( 15 USC 1681i ( a ) ( 1 ) ) : The credit bureaus have failed to investigate the disputed information within the 30-day period required by law, preventing timely resolution of the issues.

2. Reporting of Inaccurate Information ( 15 USC 1681e ( b ) ) : The information on my credit report has not been verified for accuracy, leading to the continued reporting of incorrect details that negatively affect my creditworthiness.

3. Failure to Remove Outdated Information ( 15 USC 1681c ( a ) ( 5 ) ) : The credit bureaus continue to report outdated information that should have been removed after the legally required period, violating the regulations on how long certain data can remain on a credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Saw that there was an account I did n't recognize when I reviewed my credit report. XXXX? I sent them a request for validation to prove it was mine because I do n't recognize them. They never answered. I sent it registered - I have proof they received my letter. However they never sent me a reply - after 30 days I sent the original letter as well as my proof of delivery over to XXXX, experian, and XXXX. They should delete this as this is not my debt. They say they have investigated and that it is mine. But how is that XXXX has listed a debt, they wont send me any information, how in the world can the agencies validate it? This debt is not mine, and if they can not provide me documentation proving this debt is mine, it needs to be deleted immediately by experian, XXXX, and XXXX. I am very frustrated and the inability to resolve this. Perhaps I should hire a lawyer. I will attach documents
Product: Debt collection

debt was paid on the telephone by original creditor and considered paid in full {$600.00} and will credit the other {$75.00} on XX/XX/2022 but debt collection still trying to collect on. the {$75.00} when original creditor already agreed it will repaid in full with thee {$600.00} amount
Product: Credit reporting or other personal consumer reports

Trans Union has an XXXX XXXX XXXX XXXX XXXX on my personal credit. Its for a company that I dont own and Im not associated with. Ive provided them supporting information in the past and they refuse to remove it continuously saying that XXXX XXXX has validated the information using my Social Security number and my name, which is exactly what was stolen. 

XXXX XXXX XXXX reported XX/XX/2024 {$3100.00} Reported balance
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : 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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a federally protected consumer, I am aware that you lack legal standing ; you can not hire an attorney to represent you. I will seek a default judgment, and you will join a class action lawsuit seeking damages for violations, stress, and mental anguish, as well as at least 1 % of the company pursuant to TILA 1640 OR ANY OTHER AMOUNT OF DAMAGES PURSUANT TO XXXX