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

Someone created a Chime account using my email. When I tried to deactivate it the last XXXX digits of the phone number do not match mine. 

I have received approximately XXXX emails from Chime ( verified to be a legitimate Chime email address ) in XXXX hours. 

I contact them via the only option - an XXXX number - informed them of the fraud and asked them to suspend the account. I would not provide sensitive information like my ssn and DOB- and they refused to check into this any further.

There is no other way to contact this company and they are now knowingly allowing a fraudulent account to remain open without investigating.
Product: Checking or savings account

On XX/XX/XXXX NetSpend service rep XXXX said my account was closed and funds would be mailed to me or. I called NetSpend Corporate office and was told Yes, but no reason was given,,, I asked them if they would  allow me time to transfer money to my new account I had to open, corporate office said yes until XX/XX/XXXX, please investigate, reason for them closing my account, I currently have 3active claims in NetSpend Corporate dispute office, XXXX XXXX ,2 claims XXXX, both no service rendered, ,and I paid for 3months with these companies, NetSpend service dispute 45 days for claim status.. please investigate. thanks
Product: Bank account or service

Mailing of proceeds of account closeouts from Ally Bank appear to be unduly and purposefully delayed so that Ally Bank benefits from holding onto the related funds at the expense of account owners.
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 605b 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, AZ XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXE XXXX Balance : {$0.00}
Product: Mortgage

Chase Bank is the absolute worst. Dealing with them is an absolute nightmare. They purchased my mortgage in 2022. They sent out a notice that I have an escrow shortage of {$600.00} and change and want to increase my monthly payment by {$100.00} for a total of {$1200.00} per year. {$600.00} and change divided by XXXX does not equal {$100.00} Chase! I have sent a message not once but 3 times through the online portal! And no response as usual!
Product: Credit reporting or other personal consumer reports

I had a charge off auto loan on my credit report with XXXX XXXX services, but I disputed this account because it was paid when I received a XXXX cancellation of debt tax form. XXXX  removed the account and then 1 month later it was reinserted on my credit report with any type of notification from the creditor nor the credit bureau. Is this legal? My credit suffered greatly because of this.
Product: Credit card or prepaid card

I would like to report Chase I applied for chase XXXX credit card. They have an offer that we can spend {$15000.00} and get a XXXX  free night with a card membership year. But last year, they change it to that we need to spend {$15000.00} in a calender then I can get a free night. And this will also be reset in XXXX. But I still finished spending {$15000.00} in XXXX and I had screen shot to prove that. However, when I ask for this free night. They have so many excuses and play around all the time. I wish you can help me with this. Thank you!
Product: Debt collection

Dear Sir/Madam, I am unaware of this debt. 
I am writing to dispute the validity of the debt you claim I owe, as I have never received any notice regarding this debt. 
According to the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide consumers with written notice of the debt within five days of the initial communication. However, I have not received any such notice from your agency.

Without proper notification, I am unable to verify the accuracy or legitimacy of the debt in question. Therefore, I demand that you provide me with documentation supporting the existence and validity of this debt, including the certified receipt proof of the initial notice sent to me with my signature on it showing i received the proper notification. 

Until such time as you can provide adequate documentation and verification of this debt, I consider it disputed and request that you cease all collection activities. 

Please respond to this dispute in writing within 10 days, as required by law.
Product: Money transfer, virtual currency, or money service

In XX/XX/2023 I made a purchase from XXXX believing they were XXXX. The website popped up via a XXXX search and the company was posing as XXXX XXXX who has been in business for quite some time. After my money was sent, I attempted to contact the seller with the name and address of the FFL that I wanted my firearm sent to and immediately my emails began to bounce. This happened on XX/XX/2023. This is when I realized something was wrong. I continued to try to contact the seller and even emailed the address on the zelle account where the money was sent, but to no avail. I contacted my bank that same day, XX/XX/2023 to let them know that this company was fraudulent. I searched online and found that it was two separate websites and found multiple reviews were other folks had also had money stolen from them. My bank, XXXX, stated that I had to wait for the transaction to process before they did something about it and that I shouldn't have made the purchase to begin with. I called again on XX/XX/2023 when the money did process and filed a claim with Zelle 's fraud department. This weekend, XX/XX/2023 I received a letter from XXXX stating that because I made the transaction that I would not be getting my money back. 

I have reported this fake gun company to the Federal Trade Commission as well as the Georgia State Commissioner and the XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern There is data on my consumer report that is a result of identity theft. I did not provide TransUnion explicit written permission or instruction for identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked AND deleted. My request to block is not being made in error ; nor is my request to block being made based on material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me, as a consumer. 
XXXX | XX/XX/XXXX AVANT | XX/XX/XXXX XXXX XXXX EMPLOYEE | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX | XX/XX/XXXX You are required to do what I am asking, delete and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

Thank XXXX XXXX ; XXXX
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 Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

I want the CFPB to publish
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I submitted a request for validation and verification of dismissed bankruptcy reporting on my credit report from TransUnion LLC. It came back as verified by the court and reporting that the court is the furnisher of the information. This investigation was completed on XX/XX/2018. On XX/XX/2018 I contacted TransUnion asking who or what entity verified this information, I was advised that the information was verified by a 2nd and or 3rd party. I notified them that with my original request I had included a letter from the court in question that states they do not verify, validate or report any information to CRAs or any other furnishers. When I asked for the source to whom performed this verification / validation, I was told they do not disclose that information and that they are not obligated to do so. This in its self is a clear violation of FCRA 611 ( 15 U.S.C. 1681I ) ( b ) ( iii ), ( v ). I  further bring notice of the request for verification and or validation requested not only the verification and validation, but also the process and or systems used, any furnishers, persons and or entities used in collection of data and or information in regards to this dispute. This refusal to provide the requested information is a violation under the FCRA 611 ( 15 U.S.C. 1681i ) ( 6 ) ( b ) ( iii ) ( 7 ), FCRA 616 ( 15 U.S.C. 1681n ) and or FCRA 617 ( 15 U.S.C. 1681o ). Under FCRA 609 ( 15 U.S.C. 1681g ) ( 2 ) I will enact my rights to file a suit with the district court in my region
Product: Credit card or prepaid card

In XX/XX/XXXX my Bank of America State of Michigan XXXX XXXX prepaid debit card was drained of {$5900.00} in over 3000 transactions by in internal breech of BOA. I have made numerous calls and complaints with still no resolution on their end. It is now XXXX, XXXX and I am still awaiting the return of {$2500.00}. I have filed 2 previous complaints with this bureau, and you have helped me. Time is of the essence as I have received this message from BOA : Please note that the Michigan Unemployment Insurance Agency has changed its process for distributing your benefits payments. 
What's happening : As of XX/XX/XXXX, Michigan Unemployment Insurance Agency stopped depositing funds to Bank of America debit card accounts. Your Bank of America card account will remain active until XX/XX/XXXX. 
What you need to do : Prior to XX/XX/XXXX, you may continue to use your card. If your card expires after XX/XX/XXXX it will not be reissued. To transfer funds to your existing checking or savings account, select the Transfer funds option within this site. If there are funds remaining in your card account after XX/XX/XXXX, you will need to contact us at the telephone number on your card for further information on how to obtain the balance. I am at a loss of what to do. I am not sure a fraud department exists. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and noticed that you have multiple late payments, but the problem is I was never late, and you do not seem to be sure that I was late either. On XX/XX/XXXX XXXX XXXX XXXX claims that I was late which is not true Experian have me on time so how can one account report differently across all 3 bureaus. 


Account Number # XXXX
Product: Student loan

I have had MULTIPLE problems getting in contact with EdFinancial. First, I was not able to create an online account to see my actual balance and interest rate until the last week of XXXX, despite receiving a notification to create an online account in XXXX. This prevented me from performing certain financial planning until the last second. 

Second, I signed up for auto pay when I finally got access to my account. They failed to implement the change and provide the .25 % discount. 

Third, I believe the interest rate is incorrect. I have unsubsidized federal XXXX XXXX that are listed as XXXX XXXX  ( they were taken out between XXXX and XXXX ). I believe the correct interest rate is 6.8 %. 

Fourth, I submitted a certification to change my income based repayment plan from XXXX to XXXX. I received a letter stating that I must call XXXX to confirm the change. The letter only provided a phone number. I have called numerous times and have been able to speak with them. I have opted for the call back and have not received a call back. They may have attempted to call me once, but I was not able to answer the phone at that moment and they did not leave a voicemail. It is impossible to speak with anyone about my account. I wrote them an email through their website on XX/XX/XXXX and have not received a response.
Product: Credit card

I was married in XXXX and filed for divorce in XXXX. In XXXX, I was able to move to my own location, and my attorney had been trying to get my ex to provide financial documentation that was being withheld. Since I had my own place, I was finally able to order my credit report and it didn't get intercepted. 

Upon reviewing my credit report with my attorney, SEVERAL accounts were revealed that I did not authorize or apply for. I filed no power of attorney, I have not been deemed incompetent by a court or otherwise under any kind of guardianship. As soon as possible, I started contacting every creditor/bank that I did not open ( about XXXX total ). In every event the person I spoke with advised me that the email address and phone number that opened the account was NOT mine. I have had the same email address since XXXX, and the same phone number since XXXX, yet none of the accounts were opened with that information. Every disputed account was created after both of those dates. I never knew of their existence. 

I gave every company updated contact information to try to report and resolve the situation directly. Upon reporting this fraudulent activity, most of those accounts were sold/assigned to debt collectors. I responded to each of the debt collectors and in almost every instance, I would get a letter from them saying that they investigated and would be no longer continuing with collection efforts. A few months later, I would get contacted by some new collections company that had gotten the debt. My nightmare would start all over, until they " investigated '' and would cease further collection efforts. 

I had one company file a lawsuit in a XXXX XXXX, but after the judge ordered XXXX, and the company agreed, they tried to object to the XXXX order and provided NO account creation/contract documentation. All they would provide was a billing statement. USAA in particular even sent documentation belonging to some completely different account with someone else 's name and contact information. I hired an attorney on one case, and the plaintiff dropped the lawsuit. I can not keep affording an attorney on each and every one of these cases, especially for them to just drop the suit without me getting a document compelling the removal from my credit report. 

I have been dealing with this nightmare since XXXX now, I am a XXXX XXXXXXXX XXXX and this has impacted my job and threatened my XXXX. This has prevented me, a XXXX XXXX, from being able to stop renting and purchase a home. I have tried reporting this Identity theft to multiple agencies without anyone writing a report or issuing a case number. I do not disclose that I'm a XXXX  XXXX or XXXX XXXX  to try to obtain special treatment, but moreover to show that I know how difficult actually getting a report with some agencies can be when you're not covered in XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I received a XXXX settlement deposit of {$250.00} dollars into my paypal account spent about XXXX XXXX leaving XXXX when I arose the next morning went to go do some legal filings however every single dime of my money was gone it had been sent out in an automatic withdrawal to a closed account at XXXX in the morning without my knowledge or consent. Now paypay had me contact the recipient who happen to be a credit union who immediately claimed that this middle of the night transfer while I was sleep was authorized. It was not. When I reconnected paypal they placed a stop check that was too late then began a unarthorized transaction investigation then informed me that my automatic transfer switch was on ( something I had never activated and never used in my entire history of use with paypal ) it took me XXXX to XXXX minutes to locate and turn off further proof I never activated this feature that works overnight. Now last summer I had the reverse problem with paypal complaint number XXXX whereas paypal without notice or warning decided they were simply holding portion of consumer deposits for XXXX  days because they apparently felt XXXX bucks was to much money to make in XXXX day. Regardless now even without your consent they are sending your money out in the middle of the night to closed accounts. The conclusion of their investigation is due to the history of my usage on paypal this was an authorized transaction. AGAIN I have never in the history of paypal done an automatic transfer not to mention just last summer there were refusing to send anybody money anywhere for XXXX  days who got in a certain amount. Further. Since paypal believes this is consistant with my paypal history when there has never been an automatic transfer. Ever in my paypal history Thus we have XXXX possible scenarios here XXXX ) paypal is working with banks and credit unions to steal consumers finds in the middle of the night. XXXX ) Paypal is aware of Malware, Spyware and or other software being used to used to monitor and activate functions such as automatic transfers with linked accounts even when those accounts are closed. And lastly XXXX ) PayPal is allowing thier app to be downloaded with the automatic transfer function already activated and not informing the consumer which would be the worst case senerio as they would then be at fault and thus would explain why the bogus claim that this is consistant with my paypal history. Regardless I am at a point whereas I'm Ready to let the CFPB and FTC figure this out as it took me XXXX minutes to find that auto transfer function and turn it off meaning I never turned it on. For whatever reason if they chose not to retrieve my funds from this bogus transfer to a closed account then we can prepare for arbitration or court which appears all roads are leading
Product: Credit card

I was contacted yesterday XX/XX/XXXX on my business phone from a debt collector XXXX ( XXXX ) at XXXX I spoke with XXXX in legal dept after XXXX called my business phone and left a message saying that I had a legal claim against me. I called XXXX back and she put me through to XXXX. XXXX advised me that there was a debt owed to Providian bank in my previous name that I have not held in XXXX years. He stated they were perusing a law suit in XXXX XXXX against me for {$4000.00} for a credit card that had a date of first delinquency XXXX and was charged off in XX/XX/XXXX. I have no knowledge of this debt. He stated that he had sent a letter to my home in XXXX offering to settle the amount for {$1800.00}. I advised him this was not my debt and told him it was likely my ex husbands debt. He gave me my ex husbands name and said he had been contacted but had bad credit so there was no point in them going after him and that I had good credit which is why they are coming after me for this debt. He then told me he was not getting into a finger pointing session and told me they were going to take me to court get a judgement and garnish my wages. He told me they were already verifying my employment so that they could do this. I became very upset. I told him I needed to gather information about this and I would call him back. I called back and he was unavailable. I asked him to provide me with a copy of my signature on the original credit application, copies of the statements with my signature and where the purchases were made. I asked for the case number and everything he told me on the phone to be put in writing. He called back and asked me to return his call, which I did. At that time I recorded the conversation and advised him of such he became hostile and said I did not have his permission to record him. He also told me he refused to provide me with any information on the debt, I had XXXX years to clear this up and they were moving forward. I advised him if they took out a lawsuit I would counter sue them, he hung up on me. 

I was harassed at my business, threatened with legal action if I didnt pay the debt right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX, I 'm trying to rent an appartment and when they check my record it 's saying that I have felonies but I 'm not the person on the record report, I 'm not XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : 15 USC Section 1692C -NO RESPONSE FROM : Transunion XXXX XXXX and XXXX or the creditors and no actions Sent to all of them. The law states these items need to be removed within 4 days of receiving our complaint. 
Section 604 15 U.S. Code 1681 B This law states that the credit reporting agencies ( TransUnion, XXXX, and XXXX ) dont have the right to report anything on your credit report without your written consent which you do not have that right To Whom It May Concern, I am disputing the- referenced debts below. Please verify this debt as required by Fair Debit Collection Practices Act.

Because I am disputing this debt you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies inform them that this debt is disputed and ask them to delete this from my record report reporting information that you know to be in accurate or failing to report information correctly violates the fair credit, reporting act. The law states these items need to be removed within 4 days of receiving our complaint.

Aside from verification of the debt, do not contact me about this debt. The Fair Debit Collection, Practices Act, 15 USC Section 1692C requires that you honor this request. Your cooperation will be appreciated.

Section 604 15 U.S. Code 1681 B This law states that the credit reporting agencies ( TransUnion, XXXX and XXXX ) dont have the right to report anything on your credit report without your written consent which you do not have that right I
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a car and the dealership paid off the incorrect amount on XXXX 2015. I called several times requesting that they fix it and I got no response. I told the collection agency I do n't have that car anymore the dealership is responsible and each time I tried to speak to someone they would never get back to me with an answer. Several months went by resulting in a delinquent account and ruining my credit over {$260.00}. I finally gave up and paid the bill but it has made it very hard to get approved for anything.