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

On XX/XX/2023 someone hacked into my online account with Chime bank. They changed my password and ATM PIN number then added my debit card to their XXXX XXXX account. Immediately after the changes were made, 17 fraudulent charges were made at 4 different XXXX stores and 1 XXXX  restaurant in another state. In total, {$2400.00} was stolen from my account. My checking account was overdrawn by {$130.00}. I became aware of the situation a few hours after it happened and called Chime immediately. My password was changed, my old cards were canceled and new cards were issued. I reviewed my account history and transactions with the agent and a dispute was submitted for the fraudulent charges. The next morning I contacted XXXX corporate office to discuss the situation. They provided me with a case number and told me a representative from each of the 4 stores my card was used at would contact me. A few hours later I had spoke with all 4 representatives. They informed me that there were other victims and an investigation had been started. I contacted the officer leading the investigation and gave him my information. I filed an official report and received a case #. Im still in contact with the officer and video footage of the transactions involving my card have been obtained. I intend to press criminal charges if an arrest is ever made. 
To date, I have filed 4 disputes for the fraudulent charges with Chime. 3 of the 4 disputes have been investigated and denied. The 4th is pending. Ive provided more than enough proof and documentation that the charges were unauthorized, fraudulent and that it was absolutely impossible for me to be involved yet my checking account remains overdrawn and my money hasnt been returned. Im struggling financially and have been unable to pay my bills because of this. I just want my money to be returned. I shouldnt have to go through all of this.
Product: Debt collection

For a little over 6 months now, I have been receiving calls from XXXX financial in order to collect a debt for a leased car that I turned in over 3 years ago. They say that I owed money for wear and tear on the car. I initially was in contact with XXXX at XXXX XXXX, and was very happy to pay the debt. After giving all my information to her, I received a call several weeks later saying that they were unable to process my request. I checked by bank and noticed that it never went through. So again I gave her the information and waited a couple days and they still did n't take the money out. After that I contacted them and they said that my credit union could not find my account even though I pay literally every bill with the same information with no problems. Although I was annoyed because XXXX and her XXXX both were extremely pushy and rude, insinuating that I did n't have the money to pay them, when from the beginning I 've been giving all of information to collect this debt. But okay I gave them information to an alternate bank account at a whole different institution. Weeks went by and they still did not take the money out. I called both of my banks and they said there is no record of XXXX financial ever trying to collect the debt from my account. So this caused a red flag for me. And then early today I received a call at my desk, after the last time I spoke with them, I specifically told them never contact me again regarding this because I will not be abused like this anymore. The man who called was even ruder then XXXX and stated that I needed to now send them a money gram to pay for this. He then proceeded to say ' you obviously do n't have the money to pay your debt ' He knows nothing and I have given my bank information many many times.They are harassing me and my mother at this point because they cant get it together. It seems as though this was their plan from the beginning, a kind of sham to get people to send money directly to them. Insanely rude and abusive company
Product: Credit reporting, credit repair services, or other personal consumer reports

I am puzzled why these accounts show up on my credit report out of nowhere.. IT must be that someone use my identity.. The accounts were fraudulently opened in my name..I did not make the charges ..I am requesting that the items be blocked to correct my credit report. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX   XXXX XXXX ) XXXX,
Product: Debt collection

To Whom It May Concern, I hope this letter finds you well. I am reaching out regarding a recent review of my credit report. Upon examining the report, I discovered a collection account from Professional Debt Mediation, reported in XX/XX/year>. 
I am writing to provide some context and appeal for your understanding regarding this matter. While I fully acknowledge my financial responsibilities, unfortunately, I found myself in a situation where I fell behind on payments due to extenuating personal circumstances. Specifically, I had cosigned for a financial obligation without being made aware that payments were not being made in a timely manner. As soon as I became aware of the situation, I took immediate action to rectify it by paying off and subsequently closing the account. 
I am currently in the process of applying for a mortgage, and it has come to my attention that this collection account could adversely affect my ability to qualify for the loan. I firmly believe that this isolated incident does not accurately reflect my overall creditworthiness or my commitment to fulfilling my financial obligations promptly. 
Given the circumstances and the steps I have taken to resolve the issue, I respectfully request that you consider making a goodwill deletion to remove the collection account from my credit report. Doing so would greatly alleviate the potential negative impact on my credit profile and significantly improve my prospects for securing the mortgage I am seeking. 
I genuinely appreciate your time and attention to this matter. Thank you for considering my request, and I sincerely hope for a favorable resolution.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of resent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to place a security freeze on all my credit reports due to vast amount of identity theft and wifi spoofing. THis includes 25 phones that were port forwarded by criminal activity within XXXX XXXX XXXX, XXXX and XXXX. The WiFi spoofing started XX/XX/XXXX and data was stolen from my employer which then turned into a significant data breach. The credit agencies indicate that they have put a freeze on my report but when I check with them directly no freeze was initiated. I then reported to the FBI ( with 3 phone calls ) and at their local office they did not receive any such complaint. I am concerned my identity is being used in a malicious attack as at XXXX  there was a purchase of the XXXX sample and my prescription list provided to an unknown party. I would like the 3 credit agencies to place an immediate freeze on my account as my credit card accounts are being used activity and I have access to the cards. THe cards are being made.
Product: Payday loan

My loan amount was for {$600.00}, the was {$210.00} which equals to a payoff of $ XXXX.i did n't know that the APR was gon na be 786.51 % before I summit my loan, cause it does n't show you that when you apply.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX Balance : {$16000.00} XXXX XXXX Balance : {$500.00} XXXX  XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}
Product: Credit card or prepaid card

I have sent a copy of my police report detailing my whole purse was stolen and all items were in it. I am being charged more interest each month my credit card bill is going up although I have an active appeal and theres no new charges that have been made. I have been credited {$270.00} for XXXX charges XXXX I disputed as fraud in calling back daily to add charges they have forgot about even though on XX/XX/19 everything is listed in an e-message I have an outstanding $ XXXX charge and {$2700.00} charge for XXXX XXXX XXXX now told they are treating it as an appeal and not giving provisional credit although they left these two charges out months ago I Just got confirmation it was added to my claim in XXXX I pay my bill monthly interest a d all and this is just not fair to resolve this and I keep paying higher bills its my understanding during a dispute they wont charge all this interest its my understanding this is zero liability for fraud I love this bank my son husband all use it in a victim of identity theft and have had to deal with other companies to rectify charges get new identification etc by far this is the hardest and worst experience I have anxiety calling the bank now and am thinking about switching all my business from this bank as its not fair whats going on Im giving no time limit for resolution Im over credited for a transaction missed several other transaction its affecting me the amount of time Im spending on this
Product: Credit card

XXXX XXXX has closed my account after failing to read to me in its entirety the disclosure statement concerning enrollment into their payment/hardhip program, prior to this they lowered my available credit from {$7500.00} to {$6700.00} without notification. I made payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of 2024, but company has reported to credit bureau that I was 30 days late and they completed closed the account. I was told by a representative that because I was 8 days late, enrolled in the hardship program and had such a high balance was the reason for the account closure. On XX/XX/scrub> 2024 when enrolling into the hardship program, I was never told that the account would be closed immediately and that I had to pay the amount owed {$260.00} plus the program amount of {$72.00}. The representative neglected to tell me this on the phone because I would have never enrolled in this program, I would've just figured out a way to pay the higher amounts requested by XXXX XXXX monthly.
Product: Debt collection

I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692-1692p. If you are not aware this entire claim is regulated by an arbitration agreement with the original debtor which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered to be a breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt. 

I am writing this as I humbly seek to have this discrepancy resolved both promptly and amicably. 

While I do not desire or anticipate that your negligence may force me to pursue further legal action, that option will be explored. In the event that needs to happen, you are subject to a significant increase in the demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes. 

Thank you for your immediate attention to this matter. We look forward to resolving this issue promptly.
Product: Debt collection

Portfolio Recovery has been calling non-stop for over 8 months. They use the tactic of calling from Texas and North Carolina numbers for an unknown reason. I completed their online form & asked for them to cease all communication, which they have completely disregarded. They have not left any voicemails nor have they contacted me directly by mail. I do not know who they are looking for but I do not have any outstanding debts with any company or person.

Since having my current number, I have been harassed by numerous debt collectors looking for someone I have no connection with. I have been able to inform these companies they have the wrong number & to stop calling which they have done. I would like Portfolio Recovery to do the same. I have not mailed a cease & desist letter because I do not even know who or what they calling for nor will I provide them with any of my personal information when they have no right to be harassing me.
Product: Debt collection

This is in response to the CFPB your company provided to me and the lack of validation pursuant 15 USC 1692g I received in my mail.

To whom may concern I contacted the Attorney General of Florida, I reported the fraud from your company with the FTC. If you default again I will contact the XXXX XXXX XXXX XXXX, file a police report due to Identity theft by your company and File a complaint with the Better Business Bureau. 

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified CFPB complaint under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, 15 USC 1692 ( g ) Section 806 ( 5 ) ) you proceeded to mail a simple statement which is NOT considered a " validation of debt '' by any means. You may wish to familiarize yourself with what is required when validating a debt. ( you failed to provide me with the 5 things pursuant 15 USC 1692 ( g ) ) Your office also proceeded to contact me by the credit bureaus after the delivery and acceptance of my certified cfpb complaint I made online. Contacting a person after a cease and desist can lead to serious trouble for your agency including damages of up to {$1000.00} per incident.

You may wish to familiarize yourself with what communication means. Pursuant 15 USC 1692 The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. You are conveying information regarding a debt to a third party company ( credit bureaus ) which is also another violation pursuant 15 USC 1692c ( b ).

I highly doubt that this debt is worth your agency 's license and the fees and penalties for violations of the FDCPA. 
Please be advised the demands in the cease and desist were not met. 
Attached with this complaint an affidavit of truth, Exhibit B marking each violation from your company, and all previous attachments sent to your company. 
I will create an invoice in the future for damages of up to {$1000.00} per violation in case you default again with my remedy.
Product: Credit reporting

I have sent several certified letters to XXXX, experian and XXXX multiple times asking them to verify this chapter XXXX bankruptcy information in my credit report. Each time they send me a letter stating that the BK is valid as per third party source. I then sent a letter asking as to whom they received the information, again I get a letter back stating a third party source. I then contact the court system, they tell me that they do NOt. Report anything to the CRA and nobody called them to verify any information! I want this acct removed from my reports immediately as they did not follow the fcra!
Product: Credit reporting or other personal consumer reports

Today, I was disheartened to find unauthorized inquiries on my credit report, which took me by surprise. Ive always kept a close eye on my credit, and seeing these errors without any explanation was really upsetting. I refreshed my browser several times, hoping it was just a glitch, but nothing changed. Im frustrated and requesting that the documents I submitted be reviewed thoroughly so I can stop being concerned about this issue.
Product: Money transfer, virtual currency, or money service

In XX/XX/year> I was applying for apartments while I was in the hospital due to an emergency move. I found a landlord that I thought was credible and sent them all of my personal information to apply for a property. I paid the landlord through XXXX for the deposit and sent them all of my personal records. They asked for my Cash App information, and I refused to provide it due to knowing that there is not much protection through cash app. 
The following week I discovered after leaving the hospital that there were XXXX or more fraudulent transactions totaling {$1600.00}. I also learned that the landlord that was posing as a legitimate property manager was an international scammer. I contacted XXXX and the immediately reversed the payments that were sent to the scammer because they could tell that it was a scam account. When I cash app the {$1600.00} in transactions, I advised I needed them to reverse it and investigate. I attempted to work with them directly through their customer chat and also escalated it to management, but every response that I received seemed like it was an AI response and didnt knowledge anything I was telling them. I offered to send all of the documentation that supports that this was fraud, and their management team kept insisting that there was nothing they could do to investigate and that they were not required to investigate. XXXX XXXX XXXX complaint was filed was filed after trying to work with Cash App directly for several weeks. Cash App refused to cooperate with XXXX XXXX XXXX suggestions to credit me and I received a notification from the XXXX XXXX XXXX  that I should seek legal action or file a further complaint to the Bureau to investigate as they can not force their hand even if they establish that they are wrong. I have tried working with Cash App since then, even after closing the XXXX XXXX XXXX  complaint. I have been attempting to see who overseas Cash App as it appears They are in hot water for failing to protect consumer information And for being part of international scam schemes. I discovered that the CFPB overseas them and I would like if you could step in and try to assist me and getting the funds back that were fraudulently taken from an international scam ring. All of my other banks that are involved in this that have been targeted due to the international fraud have credited me except for cash app. It has put my identity at risk and I am in the process of changing my socials due to all of my banking information being breached. I would really appreciate if somebody at the department could assist me as my husband is XXXX XXXX and is created a huge strain on our family During an difficult time of an emergency move.
Product: Debt collection

This company, Accounts Receivables, has called me multiple times from multiple numbers after I stated this is something that should have already been managed and to send me it in writing. They rudely said they already did that and would send it again and I still never received anything. They have since called from multiple numbers all starting with XXXX. I have blocked a few as they are harassing at this point and then will get a call from yet another of their numbers.
Product: Checking or savings account

I attempted to make a cash deposit at a Bank of America ATM on XX/XX/XXXX of {$980.00}. The machine spit out {$60.00} of my deposit and ended the transaction. I checked my balance and it did not reflect the new transaction. I contacted the automated teller assist and they printed a receipt for me to call to file a complaint. 

I filed the complaint and they gave me a temporary credit. Now, they are saying they can not find the deposit and the video shows that all of my money came back out. This is simply not true! They will reverse the credit on XX/XX/XXXX. 

They also told me to contact the police department to get a subpoena so I can review the video. The police department says they dont do that. 

Im at a loss as to what I can do. I have spoken to 8 bank representatives about this.
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 Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX and 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

On XX/XX/XXXX, I submitted a complaint on three credit bureaus reporting wrong information on my credit report. The companies responded that some information is accurate and took no actions on my credit report. I asked for a full investigation AND proof that the companies that are reporting negative items on my credit report by providing contracts signed by me with the companies that are reporting on my credit report. There was no proof provided, therefore I request that all the companies that are reporting negative items on my credit report that are in my original complaint be removed from my credit report. 

Companies XXXX XXXX XXXX XXXXXX/XX/XXXX - {$790.00} XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1200.00} XXXX XXXX XXXX XXXXXXXX XXXX - {$810.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$810.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$790.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1200.00} XXXXXXXX XXXX XXXXXXXX - XXXX XXXX - {$2400.00} XXXX XXXX XXXXXX/XX/XXXX - {$400.00} XXXX XXXX XXXX XX/XX/XXXX {$400.00} XXXX XXXX XXXX XX/XX/XXXX {$9800.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$5300.00} XXXX XXXX XXXX- XX/XX/XXXX - {$720.00}