23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/year>, I received a NETSPEND Visa Debit card mailed to my home address, which I did not request. I am a victim of IDENTITY THEFT. I contacted NETSPEND on XX/XX/year>, requesting that they immediately cancel the card and close the established bank account with XXXX, XXXX. The NETSPEND representative said they could not cancel the fraudulent account until I provided a copy of a police report and complaint from the Consumer Financial Protection Bureau. While I had planned to file a police report and complaint with CFPB, NETSPEND should have been willing to close the fraudulent account. I am requesting your assistance with closing the fraudulent NETSPEND Visa Debit Card and account they established with XXXX in my name. 
Thank you.
Product: Credit card or prepaid card

In XX/XX/XXXX, I instructed Fortiva to close the XXXX XXXX credit card. In early XXXX, we received an invoice from Fortiva for fraudulent charges on the credit card. Around XX/XX/XXXX, Fortiva resolved the disputed charges in my favor. HOWEVER, Fortiva did not remove the late fees and interest on those late fees from the fraudulent charges. Fortiva continues to send me monthly invoices for the fees and interest on the fraudulent charges. I sumbitted disputes to the credit reporting agencies and had Fortiva removed from my credit report. Regardless, every month I get an invoice requesting payment for fees and interest that change stem from the charges that Fortiva resolved in my favor. NOBODY there will remove the fees and interest from the fraudulent charges. I continue to get harassed every month. I am certain this will go to a debt collector and negatively impact my credit. They resolved the original charges as fraud but continue to try and collect the fees and interest from the fraud. This company is criminal. This is harassment.
Product: Credit reporting or other personal consumer reports

The information being reported by XXXX, XXXX and Transunion is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that all reporting of this information be blocked deleted. This request is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact but are made as it is relevant to the request to block the identified transactions as they are not information related to any transaction by I, as Agent in Fact, consumer. 
You are required to do what i am demanding, to block delete remove the transactions identified from the name XXXX XXXX XXXX consumer report immediately. There in no investigation required as it is not your right nor authority to produce such derogatory information which you are not legally authorized to produce nor distribute as has been the case repeatedly by all three agencies.
Product: Debt collection

CommonWealth Financial, is attempting to collect a debt that I have asked for verification for and they have not supplied. They are stating via telephone that this debt is from 2012, and they are just now placing it on my credit report. I notified them that I am unaware of this debt, and In the state of New York anything placed on a persons credit report after 6 years is invalid because it's past the statue of limitations. I also looked up CommonWealth 's license to collect in the state of Florida, which is where I reside, and there license to collect in this state has been revoked. Please help.
Product: Checking or savings account

On XX/XX/XXXX, I received a phone call from a Wells Fargo phone number. Gentleman by the name of XXXX XXXX said he was tracking strange activity on my account, called out several transactions that were not mine and then several that were mine. He told me it looked like someone was trying to wire front funds from my account and I said do not let that happen and we hung up a few minutes after I checked my bank account and all my funds in addition to ones I had jointly with my husband, were all gone we immediately went to the bank and tried to report everything that had happened. I spent probably 30 minutes or more on the phone with the fraud department before they ever tried to stop the money from going out or recalling the money. And now we are a week and a half later and theyre denying my claim that this was a fraudulent transaction. We have lost {$24000.00}. Also, on the XXXX I called Wells Fargo fraud department again and told them that {$3900.00} was pending on a cash transfer on my card and to stop that. They did not and the {$3900.00} cash advance went through and is now charged to me along with {$190.00} transaction fee. They are denying that claim as well. I am XXXX XXXX XXXX and expect Wells Fargo to refund my money since none of this money wired out transferred out or otherwise was authorized by me. I have filed a police report and filed with the federal trade commission. I have followed through on my end for everything to prove to Wells Fargo that I am not the one at fault. I am happy to furnish any information that you may need my claim number with Wells Fargo Police report number and so on.
Product: Credit reporting or other personal consumer reports

Formal Demand to Validate Unauthorized Credit Inquiry I am writing to address a credit inquiry from your company dated XX/XX/year> on my credit report. I do not recognize this inquiry, nor have I authorized GM Financial to access my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681b, you are required to have permissible purpose before obtaining my consumer credit report. Which I did NOT provide. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to provide proof that you had a permissible purpose to obtain my credit information. I demand that you provide the following documentation immediately : 1. Proof of my explicit authorization for this inquiry, including any signed agreements or consent forms bearing the GM Financial name.

2. A detailed explanation of the purpose of the inquiry and the basis on which it was made to GM Financial. 
XXXX. The name and contact information of the individual or department within GM Financial responsible for initiating this inquiry. 

If you can not provide the requested documentation proving that this inquiry was legally authorized, you must take immediate steps to : Remove the inquiry from my credit file. 
Notify all credit reporting agencies of the correction. 
Confirm in writing that these actions have been completed. 

Failing to respond to this request or refusing to provide proper validation will result in formal complaint being filed to the State Attorney Generals office and the Federal Trade Commission ( FTC ), and potentially pursue legal action for violations of my consumer rights. This unauthorized inquiry has damaged my creditworthiness and constitutes a serious breach of federal law. I expect your response within XXXX calendar days of receipt of this letter. Ignoring this matter will only escalate the issue further. Consider this my final attempt to resolve this issue directly with your company before taking legal and regulatory action.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Equifax and XXXX Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or correct the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX Date Opened XXXX XXXX, 2021 Balance : {$280000.00}
Product: Checking or savings account

I initially filed a complaint with the CFPB regarding Chime opening a fraudulent account with my information on XX/XX/XXXX. I first alerted Chime to the issue on XX/XX/XXXX. Chime sent all of my complaints to an AI responder that failed to actually read my complaint. On XX/XX/XXXX, Chime responded to my CFPB complaint by falsely claiming they provided with me information they hadnt. It is embarrassing how badly Chime handles personally identifiable information. Not only does Chime attempt to auto-reply its way out of issues, it responded with false information to the CFPB. My original issue with the fraudulent Chime account stands, I do not consider my previous CFPB complaint resolved, and I am claiming that Chime intentionally lied in their stated resolution to my CFPB case. 

Chime in their response to the CFPB stated On XX/XX/XXXX, we provided you with a copy of the information used to open the Chime account. Along with the copy of the account statement previously provided to you on XX/XX/XXXX, we've provided you with all available information regarding the Chime account opened using your information As further reassurance, Chime will not report any information to external credit reporting agencies in relation to the unauthorized account, and Chime will not hold you responsible for any activity on the account. They never sent me this additional information. All I ever received from Chime was an unhelpful estatement in mid XXXX. My many emails indicating the estatement did not contain any useful information and was not what I was asking for was ignored as Chime sent me this same statement probably 5 times in XXXX. I have received XXXX additional information from Chime since. I replied to Chimes CFPB response indicating that I never received any additional information and would file a follow up CFPB complaint. Here it is : )
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8500.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account.

-- CLOSED ACCOUNT 2. XXXX  XXXX XXXX with ACCT # XXXX   opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent certified letters to XXXX, XXXX, and Equifax to dispute an error. As of today, XX/XX/XXXX I have not received any responses from the bureaus ; it's been more than 30 days. All CRR cards were stamped received XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This item disputed need to be deleted because they have failed to respond to your written disputes within 30 days. The bureaus are supposed to provide me consumer protection afforded by the FCRA. They have violated FCRA Section 611 Part ( A ) ( 1 ).
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, XXXX  XXXX To Whom It May Concern : I was reviewing my credit report and found several addresses that appear to be incorrect. I have attached documentation providing proof of my current address, as indicated on your website. 

To facilitate the removal process, here is a list of incorrect addresses I currently see in my report ( which I would like to be removed ) : XXXX XXXX  XXXX XXXX XXXX  XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX  There should only be one address in my report, which is : XXXX XXXX XXXX, XXXX  XXXX, XXXX, XXXX  XXXX. 

I also noticed that my name appears to be misspelled on my credit report. My name has only one correct spelling and there should be no variations listed because my name does not have any variations. I have attached my photo ID to show the correct spelling. 

Once again, to facilitate the removal process, here are the incorrect spellings I see in the list : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I request the removal of the incorrect employers listed below : XXXX XXXX XXXX XXXX XXXX XXXX  The only job I need listed is : " XXXX XXXX '' " XXXX  XXXX  XXXX XXXX Therefore, I kindly request that you delete this negative account as I am facing difficulties in ensuring my report is clean in the best possible way in order to continue with my legal process. 

Once the incorrect names, addresses, and employers have been removed from my credit report, please send me a copy of my updated credit report. 

Thank you for your attention and assistance in resolving this matter promptly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX : Photo ID Proof of current address
Product: Credit card or prepaid card

On XX/XX/2020 I made a payment to my TJX credit card using the bill pay with my new account, through XXXX  XXXX XXXX. I had made several payments in the past with another account but I had to enter the credit card numbers in again because I was paying out of a new account. The card is black and I mistook the 3 's for 8s and made the payment. The payment came from my account tied to my name and address. The payment never posted so I called them. They saw that the payment was made but said that they would have to do an investigation to see where the money went. He mentioned something about it had paid someone else 's account and told me that I should fix it with my bank. I told him I couldn't because the bank already paid them. He said the investigation could take as long as 2 months and my money would not be returned until they finished the investigation. I have tried several times since to reach someone through thier website but am only able to contact bots.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through XXXX mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXXXXXX XXXXXXXX XXXX  XXXX : XXXX, XXXX : number XXXX
Product: Mortgage

Sent out a packet back to PHH mortgage services to remodify the mortgage and the sent a letter to a different address that wasnt my address. Now how am I supposed comply if I never receive the letter. An in tern the remodification was cancelled. This is the same run around that I got from ocwen and then losing the paperwork. And the company could of contact me by email but didnt. And this was assigned by the judge to do.
Product: Debt collection

I began banking with SoFi in XXXX  2022 when I was in college. I did not know much about banking and over drafted my checking account for approximately XXXX USD. I banked with them for a while and then decided to join the XXXX XXXX in XXXX of 2023. I left my SoFi account with a negative checking account. Now, I am trying to reapply for a SoFi account and I am getting denied access. I know that it is due to the XXXX or XXXX USD and I am more than willing to pay my debts to them to open a new account. I have learned a lot more about money and would never have to worry about over drafting again. Yet, when I call customer service, they throw me in loops without telling me the exact restriction that is on my account and how to fix it. They say a third party will send me an email in regards to paying off my debt to collections. Yet, they never send an email and basically tell me theres no chance of getting another SoFi account. However, their website says the following statement verbatim : For instance, in the case of a typo on your application information or a very old issue with an unpaid overdraft fee, you might be able to get the bank to reconsider. I have tried numerous times to get the bank to reconsider but they tell me that they cant do anything to change my applications acceptance because it is an automative system they cant control. That completely contradicts what their website says and it is unfair for them to deny me access and say I have a debt to owe to an unknown collection agency that they dont even have contact information for! I just want to be able to utilize all of SoFis amazing benefits and have even told tons of people how great of a bank they are. I made a mistake by being in the negative for my account but I was a young college student who was broke. I am now serving actively in the XXXX XXXX and get paid on a regular basis. I would just like to resolve this issue with SoFi how their website says, but theyre not sending me an email on how to do so, their customer service team is completely useless, and I dont know what steps to take. I feel as if Im being treated unfairly. I am 100 % willing to pay them any money I owe them and then some if it means I can bank with them again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried disputing these several times and cant get them removed. 
Three accounts reporting on my Equifax Credit Report that do not belong to me. XXXX XXXX XXXX / XXXX XXXX XXXX : {$2200.00}, {$340.00}, {$460.00}. Do not belong to me, never been to XXXX County. Tried to dispute these several time, have not had any luck getting them removed from my Report. Please get these account removed from my Equifax Report!
Product: Checking or savings account

I have requested my PayPal account be closed, however they will not do so unless I upload financial statements and my ID. 

I have never used this account, but I have linked a credit card and bank account to it and I no longer want them to have my information.
Product: Credit card or prepaid card

XXXX  Case Number : XXXX 
Merchant name : XXXX XXXX XXXX, Attorney Date of transaction : XX/XX/XXXX  Disputed amount : {$2000.00} Dear Citizens bank Card Transaction Support Center, I am disputing the above stated amount that occurred on XX/XX/. The merchant did not provide professional services in alignment with the Equal Employment Opportunity Commission ( EEOC ). The merchant was asked to represent me to secure two years back pay because I was wrongfully terminated. The merchant did little to no work on my case. He did not review vital evidence sent by the opposing attorney nor did he attempt to obtain good, strong evidence to support my case. He claimed that he could only procure {$500.00} dollars for the legal case I retained him for. The said services stated were done via emails and phone calls, none of which I was present to listen to or review. Prior to this, the merchant firmly reassured me that my case would be properly and thoroughly reviewed. The merchants billing is bogus and highly inflated. I was scammed and misrepresented for the professional services I expected, and I would like a full refund. 

Sincerely, XXXX XXXX This complaint is about attorney XXXX XXXX XXXX, XXXX. who is duly admitted to the New York State Bar, the U.S. District Courts for the Southern and Eastern Districts of New York, and the United States Supreme Court. The attorney claimed to be a specialist in the United States Federal Employment Law with the Law firm of XXXX XXXX XXXX, XXXX. On XX/XX/. I contacted the XXXX XXXX XXXX XXXX Firm to represent me on a U.S. Equal Employment Opportunity Commission, New York District Office. Attorney XXXX XXXX XXXX, XXXX. was assigned to my case for representation. I was asked to pay ( a ) Consultation fee of {$400.00} ( b ) {$7400.00} for representation as per attached billing. Subsequently, the attorney contacted me in XXXX and requested I pay another {$4000.00} because I have exceeded five ( 5 ) hours of work on the initial ten hours allocated to the case. The attorney did not cite any Federal Laws and Regulations or review documents from the opposing attorney. In addition, the attorney urged me not to accept the Administrative Judge offering assistance by providing me with an ADR -Alternative Dispute Resolution specialist because he wants me to pay another {$4000.00} for two hours of representation at the ADR conference. Furthermore, the attorney stated that he was only able to secure a settlement for {$500.00}. 
The above illustrates this lawyers unethical duties and the inability to analyze legal issues, to research and study changing laws and legal trends, and otherwise to represent the client effectively and professionally. I am disputing the billing from the firm and requesting a refund of {$4000.00} because they are misleading charges and not representative of any professional legal work performed for fifteen hours. I believe the firm is running a scam. 
Sincerely, 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.
Product: Student loan

The veterans affairs rebuffed in my payments for tuition as I just tried to get papers from there offices and they dont have any of my paperwork but refused to pay or provide any addition signiiture after ruining my schooling .Mohela also has charged me for loans that are in forbearance till XXXX through park being charged interest each time I deal with them its lie after lie I am trying to discharge my loans and now being called XXXX  by these people in retaliation. Because Im not a nurse and have XXXX XXXX I want these loans discharged Im being lied too and charged interest in loans I really dont owe because they were not accredited