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

Called cashapp customer line, XXXX, to get help on getting back {$100.00} sent to the wrong person. The representative I spoke with number came up on my phone log as XXXX. That is a CashApp customer number. I was on an XXXX minute call where he took control of my mobile phone using XXXX app. Keep in mind I thought this person who represented themselves as a CashApp employee and was going to help me. Instead during this call, {$990.00} was withdrawn from my XXXX checking account and deposited into a debit card ending in XXXX and bank name, XXXX XXXX XXXX, I noticed this unlawful withdrawal, I contacted my bank the next day XX/XX/year>. They stop the usage of my dept card, but the $ XXXX went through. I woke up to see that I had -a minus {$900.00} on my XXXX XXXX working with my bank, but I want to take this investigation even further. The was a scam by a CashApp employee and something should be done. I am a senior on a fixed income and do not have money for someone to just take it. I need I have copies of phone records and activity records from my Cashapp account if needed. 
I also found out from a online chat with Cashapp XXXX help that they saw that a payment on the date in question went to $ XXXX. Of course, I do not know that person. From reading prior complaints, I see this is not the first time this has happened with Cashapp..
Product: Debt collection

first i submitted a complaint complaint ID XXXX and it was closed stated due to duplicate complaint. It was not a duplicate complaint, it referred to complaint XXXX XXXX which was inputted into your system to a wrong company XXXX XXXX, I assumed a typo error on you alls behalf, I spoke to one of your customer service persons and brought this to there attention and this is why it was resubmitted again with the same complaint and address to right servicer Selene Finance. with that being said I need for those issues to be address with the Servicer Selene Finance. I once again want to address the irregaular assignments placed on my land record that's connecting itself to a judges lien and copies of a deed of trust and now leading to a wrongful foreclosure action. These XXXX  assignments lead to a wrongful foreclosure on my property, These assignments are fraudulent assignments and utlized threw XXXX  who no longer held any rights to do any assignments for XXXX XXXX XXXX who was a defunct company since XXXX. XXXX  had no authority to assign any deed of trust assignments as a nominee or beneficiary on XXXX XXXX XXXX behalf, because it ws already deem to a new owner according to a XXXX XXXX, Selene has committed a fraudulent foreclosure on my property utilizing the XXXX  deed of trust assignments when XXXX  held no authority to assign it held no note and there was no original deed of trust recorded on record, and the debt was time-bar debt in XXXX. Selene Finance utilizing XXXX XXXX XXXX XXXX XXXX name committed deed fraud, Title thief and identity thief and stole the home. As the FBI stated this as a Nationwide epidemic calling it House stealing and identity thief and its a crime of Grand thief larceny by deception. I would like for this to be invested and prosecuted with the federal law enforcement department considering that this is a crime, this is deed fraud, identity theft and Title thief leading to house sealing. This Service Selene Finance has manipulated the land records which would be consider record tampering also a federal crime. And utilize a name as XXXX XXXX XXXX XXXX XXXX XXXX  to commit its crime, XXXX XXXX is only active in DE and is not registered in the state of Texas and the OCC has responded they do not fall under their jurisdiction, And the SEC can not find this trust RCF 2 in their database as a registered active trust under XXXX XXXX XXXX XXXX XXXX XXXX as owner Trustee. Please investigate this manner and take action as a consumer finance protecting agency as you advertise yourself to be Consumer Finance Protective Burera. Prompt attention to this Fraudulent behavior is needed ASAP. for this is not only consist of civil violations its a crime and its criminal and violates my constitutional due process.
Product: Debt collection

My identity was Stolen. since I found out I denounced it and the company what it does is send a letter saying that it is mine without sending me any evidence, since I asked to send me some proof that I am the owner of this account This is like other Accounts that were used fraudulently and I denounced them without having a correct answer, and damaging my welfare and putting my family at risk I know they are discriminating against me because I know that people of American origin they Help with their identities when they steal it his identity. 

I report this to XXXX XXXX POLICE REPORT DATE XX/XX/2017 CESE # XXXX
Product: Checking or savings account

A teen  account was open for my XXXX-year-old daughter with Capital One financial institution Bank XX/XX/XXXX. My daughter received on the many employment search sites a check that she was instructed to deposit. Naively she deposited this check. When some funds cleared she made the withdrawal of {$500.00}. The check was later deemed fraudulent by the bank and the account was closed. My daughter now understanding having had a conversation with myseld was instructed she would be responsible to repay the money. She worked part-time and was able to make a couple of deposits. Her job ended and school resumed. This summer of XX/XX/XXXX she secured a job as a XXXX XXXX XXXX. She made the remaining payments. XX/XX/XXXX she attempted contacting the security team to order another debit card and her account was declined. I want to know if she has been reported to the XXXX XXXX Banning her from opening account anywhere. Yes she made a mistake yes she was scammed like many others, more financially literate persons than a XXXX year old. This is not an attempt to minimize the severity of the offense but to understand the age bracket of the accused. She suffered the consequences with the removal of the account in the era of Technology a card is much of a requirement in order to function in daily life living style. She learns her lesson she made restitutin of {$200.00} in XX/XX/XXXX. She's aged XXXX should she be penalized to this severity for the infraction? 

XX/XX/XXXX deposits {$1100.00} and {$110.00} Outstanding was {$290.00}. 
No money is owed.
Product: Credit reporting or other personal consumer reports

I am not liable for a debt with the XXXX  XXXX XXXX XXXX. I have no contract with XXXX  XXXX XXXX and thus it is illegal for them to be reporting on my credit report wrong, fraudulent and incorrect information on my credit report, It is a violation of the Fair Credit Reporting Act for an entity to report information on my credit report when I don't have a signed contract with XXXX  to do so. I never did not even one course or assignment with the XXXX XXXX XXXX XXXX but yet I am been told that I owe XXXX {$2200.00}. I have asked XXXX to provide documentation that I did an assignment with the grades assigned and they are unable to provide the information requested as I never did any assignment or courses with them and so if I didn't do any courses or assignments with XXXX then why am I being asked to pay {$2200.00} to an agency that I didn't sign a contract with? I also filed an identity theft report as I don't owe XXXX any money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. Verify This invalidated account Account Number : XXXX Please remove it from my credit report.
Product: Payday loan, title loan, or personal loan

The company claims no pre payment penalty but if I try to pay my bill early it only goes to the principal and not towards my monthly payment. I have tried to set up bi weekly payments they wont accept them because " we have investors to protect. '' I try to pay on the due date they dont do same day payments and if you call after XXXX it will be processed in 48 hours. Not when I actually made the payment but whenever they choose to apply it. I can't set my payments up online. I have zero control over my own account and how it is re paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts has been reporting on my credit report but either company nor the 3 major credit bureaus has ever produced any physical documentation of Verification of these accounts inwhich I have disputed as fraud due to the fact that are not mines, and as a consumer I am protected by the FTC and the FCRA laws and if you choose to be sued rather than send physical documentation or remove these accounts then that's another issue. I'm demanding the removal of these accounts. 

1 ) XXXX XXXX {$350.00} 2 ) XXXX XXXX {$680.00} 3 ) XXXX XXXX {$140.00} 4 ) XXXX XXXX XXXX {$30.00} 5 ) XXXX  {$71.00} 6 ) XXXX XXXX XXXX 7 ) XXXX XXXX XXXX 8 )  XXXX XXXX XXXX
Product: Student loan

I moved from XXXX to XXXX  early 2019. I notified Granite of address change. I was never alerted to payment issue. Once I saw the 90 day late payment, I disputed through the credit bureaus and directly to Granite. XXXX  moved the 90 day late payment from XX/XX/2019 to XX/XX/2019. But the status date has never changed? Did a reasonable investigation really happen? And a remark of consumer dispute this account should have reported after the direct furnisher dispute. 

Plus Granite never mailed me their process of re-investigation of a dispute like the credit laws allow me to receive.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company is XXXX me the XXXX off!! What the XXXX are your doing. Why did you take off XXXX XXXX for? No XXXX reason!!! Never told you to do this!!! Read my information. Now I am getting a lawyer and suing!!! Big time I have snap shots proving XXXX XXXX   was on my XXXX XXXX credit report. I asked Equifax and XXXX to add it to my reports its still not on here after 5 years. This matter had nothing do to this your company XXXX XXXX. Wow!! You people are XXXX. It was in good standing. XXXX XXXX now have XXXX me off for the last time. No reason for this XXXX!! Read what I tell you. Read my complaint. Put back my XXXX XXXX line of credit now!! I calling police making another police report and calling. Y lawyer see your XXXX in court!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up request to my previous complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$210.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$320.00} XXXX XX/XX/XXXX
Product: Checking or savings account

I was added as a co-owner on the account on XXXX and set up with online banking. When trying to do a XXXX transfer from M & T checking account to XXXX XXXX  XXXX account, the transaction would not process. I contacted M & T fraud dept on XXXX as instructed by email that I received on XXXX. I was advised that I needed to change the phone number I assigned for XXXX to my email since I was already using my cell for BOA XXXX. After changes were made, I was still unable to transfer funds. I called M & T fraud back and was instructed because of the original account owners age, I would need to provide Power of Attorney. 

I was added as a co-owner by my mother on XXXX in person with a XXXX XXXX XXXX who asked my mother at the time if she wanted me on as co-owner or POA. 

The fraud agent refused to approve a small transfer even though I am a legal account co-owner as of XXXX. I understand the need to protect customers from elder abuse but to block transactions based on someones age rather than mental capacity is discriminatory. My mother is starting to have vision and mobility issues which is why I she added me to her accounts so I could pay her bills online and I could transfer $ from her M & T account to my XXXX account to pay me back for her grocery shopping etc instead of continuing to write me checks.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent 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 unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. I have Zelle through my XX/XX/XXXX account and they werent able to help me fight against a disputed transaction that was confirmed by the sender
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : XXXX. Charged-Off Account or Collection Account Creditor/Collection Agency Name : XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX Creditor/Collection Agency Name XXXX XXXX XXXX XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX XXXX  Account Number : XXXX Creditor/Collection Agency Name : XXXX  Account Number : XXXX Creditor/Collection Agency Name : XXXX Account Number : XXXX Issue : This account was charged off/placed in collections without proper notification or validation of the debt XXXX 

I requested validation of the debt per my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), but the creditor/collection agency failed to provide sufficient documentation. 

The reported balance and payment history contain inaccuracies that I have disputed with the credit bureaus, yet the creditor refuses to correct or remove the erroneous data. 

The account was sold to a third-party collector, yet it remains listed under the original creditor, creating duplicate reporting and unfair harm to my credit profile.

I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report or proper documentation proving its validity.

2. Unauthorized/Incorrect Hard Inquiry Company That Performed Inquiry : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXXXXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Issue : I did not authorize this company to pull my credit. 

No written consent or permissible purpose exists for this hard inquiry, which is a violation of the FCRA ( 15 U.S.C. 1681b ).

Despite my dispute, the credit bureaus and the creditor have refused to remove the unauthorized inquiry.

I am requesting the immediate removal of this hard inquiry from my credit report, as it was made without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1681c ( a ) Bankruptcy information is excluded from the consumer 's report. 
( XXXX, XXXX, Experian, XXXX and XXXX ) is in violation of said section for furnishing this information on my consumer report, that was obtained illegally from XXXX XXXX under false pretenses in which they've obtained it from an online electronic system known as Pacer.
Product: Credit reporting or other personal consumer reports

My employer, XXXX XXXX XXXX XXXX, had a data breach announced this past summer. Prior to the announcement I had several hard credit inquiries that are now showing up on my credit report, 6 on XXXX and one of the same on XXXX from XXXX XXXX. These are fraudulent as I have not applied for any type of credit in over 7 years. XXXX asked me to file this report.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXXXXXX XXXX on XX/XX/XXXX with a balance of {$97000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXX XXXXXXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX - XXXX  XXXX XXXX XXXX FL XXXX Balance - XXXX XXXX Balance {$2100.00} XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX - If you feel there is a possibility these ITEMS XXXX to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If CREDIT BUREAUS do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and frustration regarding the numerous unsuccessful attempts I have made to correct the issue of late opening of accounts. It has come to my attention that despite multiple efforts on my part, the problem persists, and I feel compelled to bring this matter to your attention for prompt resolution. I initiated the process to open an account with your institution. However, due to unforeseen circumstances, the account opening process was delayed, and I was assured that the matter would be rectified promptly. I made a follow-up call to your customer service to inquire about the status of my account opening. Despite providing the necessary information and completing all required steps, the issue persisted. I have made several attempts to correct the late opening of my account, seeking assistance from your customer service representatives. Unfortunately, each attempt has been met with assurances but no concrete resolution. I am disheartened by the lack of progress in resolving this matter. The delayed opening of my account is causing considerable inconvenience, affecting my financial planning and overall experience with your institution. I urgently request the immediate activation of my account to ensure that I can access the services and benefits associated with it without further delay. Investigation I implore your team to conduct a thorough investigation into the root cause of the repeated delays in opening my account. Identifying and addressing the underlying issues is crucial to preventing similar problems for other customers. I expect clear and timely communication regarding the steps being taken to expedite the account opening process and the expected timeline for resolution. Given the inconvenience and frustration caused by the delayed account opening, I request fair compensation for the time and effort expended in attempting to resolve this matter. I trust that you will treat this matter with the urgency and seriousness it deserves. As a prospective customer, my experience with the account opening process significantly influences my perception of your institution. I am asking for your assistance to correct these late open accounts in my credit file : US DEPARTMENT OF EDU XXXX Opened XX/XX/2018 Balance {$1600.00} ; US DEPARTMENT OF EDU XXXX Opened XX/XX/2018 Balance {$1600.00} ; US DEPT OF EDUCATION XXXX Opened XX/XX/2018 Balance : {$1600.00} ; US DEPT OF EDUCATION XXXX Opened XX/XX/2018 Balance : {$1600.00}.