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

I deposited a check into the bank account and they told me the funds will be available the next day and then they telling me I got to wait 11 days and all the check with sign and the check was signed like he was supposed to be
Product: Credit card

On XX/XX/XXXX I decided I wanted to try to get XXXX internet. The technicians that came couldn't install the internet on top of destroying my neighbor 's landscaping and I called and told them that based on that experience I didn't want anything to do with their internet company and canceled it. However on XX/XX/XXXX I woke up and saw I had a {$210.00} charge on my credit account for chime Bank. I never gave them my credit card information I didn't even have that card at the time. Not to mention it was pulled XX/XX/XXXX when I canceled my service XX/XX/XXXX. Not only did I never give them the authorization for this card they just charged it out of the blue over a month later. I was told the resolution took 10 to 20 days on XX/XX/XXXX and now here we are XX/XX/XXXX and I'm told now it could possibly take till XX/XX/XXXX. I can not wait for my money to come back that long and I'm hoping you can help get some kind of resolution for me. My claim number for this is XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I am filing a claim against Cash App ( Block , Inc. ) due to inadequate service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed tu take timely and effective measures to 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 for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX - Opened XX/XX/XXXX - Amount {$490.00} XXXX  XXXX/ XXXX XXXX XXXX Opened XX/XX/XXXX - Amount {$150.00} XXXX  XXXX XXXX  - Opened XX/XX/XXXX XXXX  XXXX/ XXXX - XXXX XX/XX/XXXX - Amount {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX - Amount {$840.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) - Opened XX/XX/XXXX - Amount {$2000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX XXXX XXXX
Product: Credit card or prepaid card

XX/XX/2020 a company with given name " XXXX XXXX '', opened up a brand new credit card in my name, WITHOUT my authorization or knowledge. Company claims to be debt resolution service. I gave them personal information about myself over the phone, being absolutely oblivious to scams ect happening, but never physically sent them any information they requested nor did I consent to ANY of the transactions they would start or make.i never even mailed the packed sent to me, back to them. On XX/XX/2020, I asked my daughter in law to make photo copies of ID, SS Card, and Power bill, to be mailed to XXXX XXXX. She refused until she did some research, in turn she phoned XXXX fraud activity department requesting information on said company, which they could find nothing. She did Not send any of requested documents to that company nor did I. I am XXXX XXXX XXXX and do not get out much with my health not so good. This Said company " XXXX XXXX '' opened 2 brand new credit cards in my name, 1 of which, being Bank Of America on XX/XX/XXXX with credit line of {$6000.00}. They did some sort of balance transfer, unbeknownst to myself. My daughter in law and myself contacted BANK OF AMERICA XXXXaud dept on XX/XX/2020, And spend approximately 1hr 20mins on the phone giving them details in regards to myself NOT opening this account nor giving ANY consent to have this account opened. And at this time also closed the account, as well as gave what information I had about the company whom I believe opened this account and that I certainly did not open or request this new credit card account. As of XX/XX/XXXX I received a letter denying my claim and stated " I must have benefited directly from transactions, but nothing in regards to me never even opening the account to begin with. {$6000.00} card limit, balance due {$6000.00}. On XX/XX/XXXX my daughter in law also cancelled the other credit card opened, by said company with {$9000.00} limit. She put a freeze on all 3 reporting agency, XXXX, XXXX, and XXXX. As well as a fraud alert with all 3 companies. On XX/XX/2020, my daughter in law also contacted the " XXXX XXXX '' with only phone number I have, and requested they stop ANY and ALL current or future doings in regards to myself. 1 final note, on ALL of my bank accouns, credit cards, mortgage, auto insurance, life insurance, health insurance etc., that I have personally established or opened, were done as " XXXX XXXX. My legal name is XXXX XXXX XXXX. I have gone by XXXX since I was a young girl. Everything this company " XXXX XXXX '', did using my legal name XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Equifax requesting that send me information that proved the verified the Public Record reporting on my account, and the account XXXX these items are reporting negatively on my report and affecting my credit score. I sent them two letters and they sent back verified for the public record, however they stated they obtained from local, state and federal courts through a third party vendor XXXX. 
I have a letter from XXXX where I opt out of the program and a letter from the court that states that do not report to the credit bureau. They have failed to provide me with a valid resource, person of contact, or agency.
Product: Credit reporting or other personal consumer reports

I've lost track of the numerous letters I've sent to your bureau regarding my identity theft status, as my concerns remain unresolved. Once again, I'm disputing the fraudulent information adversely impacting my credit file. 

XXXX XXXX XXXX XXXX. 

Despite filing the required FTC complaint, your bureau persists in reporting this fraudulent account on my credit report. It's important to note that I've already contacted the banks linked to this account, provided necessary documents, and had the account promptly deleted from their records. 

Furthermore, other credit bureaus have already removed this account following the FTC complaint submission. Thus, I'm puzzled about the verification process your bureau employed to continue reporting these fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these inquiries, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2018, I made an online payment from my Chase account to my XXXX XXXX ( a transaction that I've made monthly for over a year ) for the amount of {$3600.00}. After several days of not posting on my XXXX XXXX account, I contacted Chase and XXXX to determine what was happening. Chase informed me that they have proof of payment, the funds were electronically withdrawn from my account, transferred electronically to XXXX XXXX and were withdrawn by XXXX XXXX. I also went online and saw the proof of payment document confirming what Chase reported. 
However, XXXX XXXX states that they have no evidence of the electronic payment and that they do not accept electronic payments, Chase is supposed to send XXXX XXXX a paper check for the amount. This was news to Chase when I informed them of this ( XXXX XXXX has never informed them of this and if it was the case, XXXX XXXX should have rejected the payment ), and they noted that all of my payment electronic transaction from Chase to XXXX XXXX in the past were made via electronic transfer. 
Chase is in the process of mailing the proof of payment document to XXXX XXXX to show that XXXX XXXX in fact did accept and withdraw the funds. 
I am very concerned that this is going to become an issue with neither institution accepting responsibility. 
Also, I made a second payment to completely pay off my card for {$17.00} and it is having the same issues. Chase is also in the process of mailing this as well.
Product: Debt collection

The amount listed was already paid by my dental insurance provider. Now they want me to paid them more money. They have reported this to all three credit bureaus. This is not fair. This is hurting my credit status.
Product: Credit card

This account was closed on XXXX/XXXX/11 with a XXXX balance and transfer to collection agency without my knowledge and for no specific reason.
Product: Debt collection

XXXX XXXX, 2014, XXXX XXXX sent a letter to Frederick Hanna & Assoc. to settle my account with XXXX XXXX. They advised them to make direct contact with them and to seize contacting me. Well, a year later, XXXX XXXX has frozen my account and placed a garnishment against me. This is enabling me to pay my mortgage and resulting in insufficient funds against my account. Frederick Hanna & Assoc. have yet to contact my attorney through XXXX XXXX and are forcing me into bankruptcy. Are n't debt collector attorneys required to communicate with Legal representation on behalf of the consumers?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have seen the Public Record in my report, it 's over 7 year s BKPT C T AZ  XXXX  -  XXXX  Under the provisions defined by the FDCPA, I am exercising my right to remove the out-of-date Public Record from my report immediately
Product: Credit reporting or other personal consumer reports

The account with XXXX XXXXXXXX, number XXXX, contains inaccurate information, as well as a potentially fraudulent account that has been investigated multiple times with the company. We have reached out through multiple channels and have received evidence of a letter employing an investigatory method that lacks professionalism and is deficient in legally recognized investigative procedures. Despite these investigations, the company has failed to provide a resolution system. This issue has been ongoing for several months, with repeated investigations and reinvestigations, yet the company consistently fails to properly address the issue or provide clear information. This situation constitutes a violation of all consumer protection laws and my rights as a consumer. I will compile all documentation from every investigation conducted with the company and other institutions involved, and send it to the company, the CFPB, and other relevant institutions. None of the involved parties have provided a precise or clear resolution. Additionally, this account has been removed from my report several times, only to be re-reported later. This constitutes a serious violation of consumer protection laws. I demand that the account be permanently deleted and that no further violations occur. This ongoing issue is damaging my credit and undermining my ability to receive fair treatment within the banking system. Please take immediate action to delete this account from my report and resolve this matter fully.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. based on FCRA section 605b Credit Reporting Agencies, the 3 credit bureaus required to remove any items listed on an id theft report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$39000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7300.00} ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX CO XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXN XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX. XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$39000.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX  Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7300.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX Balance : {$39000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7300.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

one of my insurance company adjunctments sent me {$300.00} for the credit however they later claimed hat i had to pay back this amount due to mistaken information. They did send me a letter saying that I have to pay back this amount {$310.00} but i disagreed because they made all of the information as a mistake.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 the fraudulent wire transfer was made on my account for {$5000.00} on Wells Fargo checking account. I filed a complain immediately with my bank to cancel the transfer and reverse the amount. They told me to wait for 10 business days to get my money back from bank. But after 10 business days they said that they the case is closed and they weren't able to reverse the amount. Although when I signed the contract with Wells Fargo while opening my account it was clearly stated that I won't be responsible for any fraudulent charges. Also when I filed the complain about the unauthorised wire transfer, the banker at that time told me I'll get the refund back within 10 business days. Since I am not responsible for unauthorised charges I want them to refund my {$5000.00} back.
Product: Debt collection

I informed them that I was a victim of fraud and I wasnt the one who opened the credit card. I had lost my wallet and became a victim of identity fraud. Company provided me with the individuals residence address but Ive never XXXX of such an address nor lived there.
Product: Checking or savings account

I found out that I was scammed through a company who offers to pay me for advertising their product and I had to deposit a check that unknowingly was fraudulent i didnt know it was the check cleared after a day in my account so I just assumed it was safe the bank has frozen my account and demands money back that I dont have
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my 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 XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion, and XXXX are all furnishing inaccurate information regarding an XXXX XXXX account. I have highlighted all 8 inaccuracies in a PDF sent with this compliant.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since viewing my credit report on XX/XX/22, I have noticed that the following credit reporting agencies have information listed on my consumer report not in accordance with the law : XXXX. 

XXXX has allowed multiple companies such as : FedLoan Servicing, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to all furnish late payments to my consumer report knowing it is a violation of federal law pursuant to 15 USC 1666b ( a ) and 15 USC 6821 ( a ) ( 2 ).
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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 in accordance with paragraph ( 5 ), 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. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

I 'm receiving collection notices from ARS National Services Inc., for debt for a XXXX account which was fully paid. The debt appears to be late fees and interest charges, not charges purchases. I tried to resolve the issue with XXXX over a year ago but they transferred the account to a collection agency and I 've been receiving notices despite several attempts to clear the account.
Product: Mortgage

In XXXX i went into the chase bank to take care of some banking. i was asked why i was with drawing such a large amount from my savings. i told them i was refinancing my home. so they asked if they could try to match the offer. i figured why not let them try. so i met with one of there lending advisers. his name was XXXX XXXX. XXXX XXXX he took my information and started an estimate to see if he could match or beat the other offer. At first i thought he was going to but decided to stay with the first offer. in the process XXXX told me that in order for him to continue the estimate i would have to agree to give him a credit card number he could use for a {$500.00} fee that would only apply if i agreed to go forward with there offer. when i told him that i had decided to stay with the other loan offer he got upset and said that i was not going to get the {$500.00} dollars back.i was not told that this was not refundable until i told XXXX i did not want to go forward with his offer. not only was he very rude about it he told me i would not get my money back. there was no services rendered other then the estimate he agreed to do for me to see if he could match or beat the other offer. i had no idea he was going to keep my {$500.00} dollars for just his estimate.
Product: Credit card

Citibank continues its deceptive marketing practices despite the Consumer Financial Protection Bureau 's ( CFPB ) order last year in which Citibank and its subsidiaries were required to pay {$700.00} XXXX in consumer relief for illegal practices related to credit card add-on products and services. Citibank has repeatedly sent deceptive marketing mail to BOTH my personal physical and email addresses with explicitly stated offers of my eligibility for bonuses of XXXX XXXX miles with its AAdvantage credit card. I accepted Citibank 's offer and signed up for the AAdvantage credit card, but then Citibank refused to provide the airline miles that it explicitly told me ( in email and in physical mail ) that I was eligible for. Citibank 's failure to uphold its end of the contract has caused me great harm in that Citibank looked into my credit history under false pretenses and negatively affected my credit report in doing so. I never would have allowed Citibank to look into my credit history, and I never would have given Citibank my personal information, if I had known that the company would refuse to provide me with the airline miles it explicitly told me that I was eligible for. Citibank completely failed to uphold its end of the bargain/contract based on the offer it emailed and mailed to me and my acceptance of that offer. Citibank continues to regularly engage in deceptive marketing practices that harms millions of consumers. SEPARATELY AND ADDITIONALLY, Citibank has sent me notices about the benefits of enrolling in its fraud-alert services. The CFPB found that Citibank falsely claims the fraud-alert services would notify customers of fraudulent purchases. Instead, the monitoring only provided alerts to changes in customer credit files maintained by major credit-reporting firms. Despite the CFPB 's findings, Citibank keeps emailing me and mailing me, to my personal address, vague and leading offers of credit card add-on services which state they have a " free 30-day trial '' but in fact charge customers immediately upon enrollment. Citibank CONTINUES its deceptive marketing practices that affect millions of consumers. The CFPB and the Federal Trade Commission should investigate Citibank 's ongoing and continuous pattern of deceptive marketing that is harming millions of consumers and take swift action against the company to prevent future harm to consumers.