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

At approximately, XXXXXXXX XXXX  I received a call from a woman who identified herself as XXXX from Chime Support. The phone number did register as Chime Support on my caller ID and the number was XXXX. Since I had dispute currently pending with Chime Bank because of fraud on my credit builder card, I answered the call thinking it was in regards to that issue. XXXX asked me to verify my account info and the email to my account. While I was on the phone discussing the fraud on my card the previous week, an unknown individual made 2 wire transfers on my account using Chime 's Pay Anyone feature which allows for instant wire transfers. One transaction went to XXXX XXXX for {$2500.00} and the other went to XXXX XXXXXXXX. At no time did I receive notification from Chime about the transactions until after all my money was drained from checking and savings account. I reported the theft immediately to Chime and opened up a dispute. I was told by a Chime Rep that I would need to file a police report which I did and allow Chime to do their investigation. 

Later that afternoon, I researched the Chime 's Pay Anyone feature and called Chime Dispute Support again, as I learned that the money drained from my account was actually in 2 Chime accounts and I didn't understand why they couldn't close those accounts down and give me back my money. If an individual has n $ in front of their names in the Pay Anyone feature, that means that their account is a Chime Account. Andie from Dispute Support confirmed that yes, my account was hacked and yes, the money was indeed stolen by 2 Chime Accounts but yet their was nothing that could be done to help me. She had no answer as to why Chime would allow fro instant transfers of large amounts of money with getting any verification or notification from me. Chime never attempted to call me about the fund transfers and my money was gone in 2 minutes.
Product: Money transfer, virtual currency, or money service

Block Inc, formerly known as Square, allowed a fraudster to create an account using my mobile phone number without double-checking the number. 
I am now getting calls from people who have been scammed, asking ME to ship the merchandise they ordered. 
I am filing a complaint because Square/Block should have verified the phone number and not let scammers use any number. 

Not only is it annoying and stresful to answer all these phone calls, I am also fearing my phone number will be associated with scam and automatically be blocked by automated systems.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, ZWICKER, XXXX XXXX AND ALL COLLECTORS SOLD NOW MUST REQUEST XXXX  TO MANUALLY REMOVE ALL TRADELINES AND JUDGEMMENTS FROM THERE DATA BASES, MUST FURNISH WRITTEN LETTERS XXXX NO XXXX XXXX XXXX XXXX
Product: Credit reporting

I was unable to get my Free Annual Credit Report. I fear my credit has been stolen.
Product: Credit card

I was notified that I my Apple Card from Goldman Sachs card that I had {$1900.00} balance. That news was a shock to me because I did not use that card. I have received the first notification about strange charge on Apple Card on XX/XX/XXXXXXXX  ; I had a XXXX XXXX charge of {$5700.00}. I do not eat pizza. I contacted via text Apple Card, Goldman Sachs bank, and reported that the charge was a fraud. I requested to close that card or change the number on it, at least. I though the issue was resolved, when all of the sudden, I got in XXXX of XXXX  a notice of having an Apple Card bill of {$1900.00}. I contacted Goldman Sachs again, reported the fraud via phone and text, looked into charges, and reported them as fraud in more detail via text. I had charges from XXXX XXXX, dated XX/XX/XXXX. I am an XXXX XXXX XXXX, I do not just pick up and travel on whim as any time I leave my duty station ( I am stationed at XXXX XXXX , VA, since XXXX XX/XX/XXXXXXXX  and reported for duty on XXXX XX/XX/XXXXXXXX  ), I must have an approved leave. I did not travel on XX/XX/XXXXXXXX  On the same day of XX/XX/XXXXXXXX  I had two charges for {$550.00} what looks like XXXX XXXX, daily cash charge of {$47.00}, a charge of {$720.00} for XXXX XXXX, and some fees accrued from those charges I reported the identify fraud on-line after talking to Goldman Sachs representatives several times, mailed the hard copy of the report. Still, Goldman Sachs reported me as I were delinquent on payments. I get calls from some debt collectors. It is unacceptable. I want Apple Gard card to be closed and debt to be removed from credit agencies. Goldman Sachs abused my trust and harmed my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, a consumer and customer of this financial institution, have a right to privacy pursuant 15 U.S. Code 1681a ( a ) ( 4 ) and 15 U.S. Code 1692 ( a ) as it speaks on my individual right to privacy. My private information regarding this account has been furnished without my lawful authority or my written consent. I am aware that my written instruction is needed to furnish any information to a consumer reporting agency. No lawful authority or written consent constitutes Identity theft in accordance with 15 U.S. Code 1681a ( q ) ( 3 ) and similar to REG V 12 CFR 1022.3, which is a fraud committed or attempted using the identifying information of another person without authority. I have not given my written lawful authority for this information to be furnished. 
I am aware that in accordance with the Gramm-Leach-Bliley Act, I, the consumer have the right to know where and how to direct disclosure of my nonpublic information and should have been given an explanation of how to exercise that nondisclosure option. I have not received such an explanation. 

Please provide the written instructions that I, the consumer gave to XXXX XXXX XXXX which has authorized this furnished account. If you can not provide me with these instructions written by me prior to this notice, this has been a fraudulently made consumer report using my identifying information and account XXXX XXXX XXXX XXXX must be deleted from all consumer reporting agencies immediately. 

This is my written instruction to opt out of credit reporting for this account. If my instruction to opt out of credit reporting can not be honored, I request a statement on your companys letterhead signed under penalty of perjury stating why it can not. 

I am aware, the making of any false, fictitious, or fraudulent statement or representation to a customer of a financial institution such as reporting inaccurate information is a direct violation of 15 U.S. Code 6821 ( a ) ( 2 ). I am also aware that whoever violates 15 U.S. Code 6821 such as a false, fictitious, or fraudulent statement or representation to a customer of a financial institution will be held liable under 15 U.S. Code 6823 ( a ) to fines under Title 18 USC 3751 with fines up to 500,000 for a felony by an organization or imprisoned for 5 years or both. 

Sincerely, XXXX : XXXX
Product: Mortgage

Due to covid related unemployment and decrease in income we applied for home mortgage modification and our application was approved or elegible for modification based on our income and current situiation our gross annual income is {$60000.00} and according to the guideline our modified payment should not be greater than 33 % our income But XXXX  Mortgage company refused to modified our mortgage based on our income and send us modification agreement with the same interesrt rate of 4.25 % which we have currently with no interest or principal reduction to adjust our monthly payment even if i talk to the underwriter they refused to adjust the payment based on our current income.
Product: Debt collection

XXXX XXXX adjusters calling 8-10 times daily from different numbers. Never leave a voicemail or even have someone talking when accepting the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX : {$1000.00} ; XXXX XXXX XXXXXXXX Balance : {$810.00} ; XXXX  XXXX Balance : {$590.00} ; ( Original Creditor : XXXX XXXX ) XXXX : {$190.00} ; XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Recently, XXXX XXXX XXXX placed a collection account on my credit report for {$5700.00}. Prior to this account appearing on my credit report, I did not receive a notification of my right to dispute. They claim that they did not have to send me any notice, because the original creditor had already been reporting this account on my credit report. What the original creditor reported on my credit report has no bearing on what a collection agency puts on my credit report. They are still bound by the laws of the Fair Debt Collection Practices Act, and they are violating my rights under federal law. Furthermore, I don't even owe any money to the company they claim to be collecting for. I called them directly myself, and they show my balance as {$0.00}, and they report it as {$0.00} on my credit report. XXXX has not once given me the opportunity to contest the debt, and they continue to violate multiple state and federal collection laws daily.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I found multiple hard inquiries that I did not make. The unauthorized inquiries are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not provide consent for these inquiries, and I believe they violate my rights under the Fair Credit Reporting Act. I request a thorough investigation into these unauthorized inquiries and urge you to promptly delete them from my credit report. I expect the resolution within the legally required timeframe and appreciate your prompt attention to this matter. Please provide written confirmation upon completion of the investigation and removal of the unauthorized inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please all names and addresses that are not as following. Anything, else if identity theft and fraud. 


NAME : XXXX XXXX XXXX ALL OTHER NAMES REMOVE ONLY ADDRESS XXXX XXXX XXXX XXXX, FL, XXXX. 

ALL OTHERS REMOVE FROM MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and request that all accounts listed below be blocked and deleted from my credit report, pursuant to 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ). As a result of this breach, these accounts are no longer valid, and I am requesting immediate action to mitigate the damage caused to my credit report. 
The following accounts have been compromised due to the breach, and I request that they be blocked and deleted : Accounts XXXX. XXXX XXXX of A Account Number : XXXX Date Opened : XXXX XXXX Amount : {$60.00} XXXX. XXXX XXXXXXXX XXXX Account Number : XXXX Date Opened : XXXX Amount : {$2300.00} XXXX. XXXXXXXX XXXX Account Number : XXXX Date Opened : XXXX Amount : {$1400.00} Inquiries XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Date : XXXX XXXX. XXXX XXXXXXXX XXXX XXXX Date : XXXX XXXX. XXXX XXXX XXXXXXXX Date : XXXX XXXXXXXX XXXX XXXX Date : XXXX XXXX. XXXX XXXX XXXX XXXX : XXXX XXXX. XXXX XXXX XXXX Date : XXXX XXXX. XXXX  Date : XXXX XXXX. XXXX XXXX XXXX Date : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Date : XXXX XXXX. XXXX XXXX XXXX XXXX : XXXX XXXX. XXXX XXXX XXXX Date : XXXX XXXXXXXX XXXX XXXX Date : XXXX XXXXXXXX XXXX XXXX Date : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. Date : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Citibank ( Student Loan Acct # XXXX ) in the amount of {$3100.00} Citibank ( Student Loan Acct # XXXX ) in the amount of {$2100.00} The above two accounts were originated between years XXXX. A detailed debt validation letter was sent on XX/XX/2018 ( USPS Certified Mail, reference # XXXX XXXX. 
There is a violation due to lending practices of Citibank as stated per CFPB vs Citibank. Until there is a finalization of the current findings of violation, Citibank should not report any accounts of fraudulent nature to all the credit bureaus.
Product: Student loan

I have applied for XXXX XXXX XXXX from XXXX  on XXXX XXXX XXXX They have denied my application on XX/XX/year>. I have attached their decision which I believe is unfair and must be corrected. My Federal Loans from XXXX XXXX was approved for Brrowers defense for predatory school misconduct under sweet v. Cardona on XX/XX/year>. I have informed them about the decision and they have denied my application. How can Federal approved my XXXX  XXXX  for loan forgiveness and XXXX  do not? They need to be corrected and discharge my loans from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Please see attached documentation regarding a cancelation of debt for two charged off credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with the federal credit act 15 U.S. Code 1681i my right has been violated. - Procedure in case of disputed accuracy Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. The following complaint number are going over 30 days period. the letters was submitted certified at usps. tracking number : XXXX XXXX XXXX XXXX XXXX XXXX return tracking number : XXXX XXXX XXXX XXXX XXXX XXXX I never receive any answer from experian, its been over 30 days.
Product: Vehicle loan or lease

Wells Fargo Charged my Account for insurance that was not needed on a XXXX. Policy XXXX & XXXX for XXXX and XXXX. In XXXX Wells Fargo notified me that I did not have insurance. I sent them the information that I did have insurance. I would call them to confirm that they received and they the documents and they would varying explanations such as 1 ) We didn't get it 2 ) Oh we got it but its for the wrong dates 3 ) Oh that was sent to the wrong fax number, that goes to another department let me give you the correct one 4 ) We got it we will make the adjustments. This went on for two years and I felt like I was helpless to do anything. I escalated to a Supervisor over the issue but nothing was ever done. I was at the mercy of an invisible verification system that I was unable to see or confirm for myself. So I was paying inflated premiums for a Policy that I could not see or ever received any documentation of and paying my regular insurance. This is a travesty to charge thousands of Americans INFLATED Insurance rates. 

So now 6 years later Wells Fargo is asking for information that I sent them in XXXX. I do not have that car anymore or remember who my insurance agent was. It was either XXXX, XXXX or XXXX. I should not be responsible for calling insurance companies from 6 years ago and waiting on hold to send them information that I already sent them.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX AND XXXX XXXXXXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX AND XXXX XXXXXXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Prepaid card

On or about XXXX XXXX, XXXX XXXX XXXX wireless merged my cell phone account, acct # XXXX, was merged to account # XXXX, without authorization. The " unified account '', was merged with a " ghost '' or " non existent '' Account. This unauthorized " unification '' caused numerous and ongoing billing issues. These billing issues resulted in XXXX XXXX XXXX being unjustly enriched. Additionally, the change in denied me of services for which XXXX XXXX XXXX billed. Upon realization, I contacted XXXX XXXX XXXX XXXX, spoke with XXXX ( ID # XXXX ) and received Case Number XXXX, XXXX XXXX, XXXX, approved by his manager XXXX ( ID # XXXX ). Per direction, I contacted the credit card companies for which the charges were tendered to XXXX XXXX XXXX XXXX, due to XXXX XXXX XXXX XXXX Fraudulent Billing. One of the credit Card companies being, American Express Serve. American Express Serve was very unprofessional, leaving me on hold for an extended amount of time, requesting I send copies of my other credit cards, and information unfitting to the situation. The representative was not English savvy or helpful ... leading me to filing this claim. 
Rescission of contract to XXXX XXXX XXXX XXXX for failure to provide contractual services, unjust enrichment and other violations Under Maryland law, a claim of unjust enrichment is established when : ( 1 ) a party confers a benefit upon another ; ( 2 ) the benefiting party knows or appreciates the benefit ; and ( 3 ) the benefiting party 's acceptance or retention of the benefit under the circumstances is such that it would be inequitable to allow him or her to retain the benefit without the paying of value in return. XXXX v. XXXX, XXXX Md. XXXX, XXXX ( XXXX ), quoted in XXXX v. XXXX XXXX, XXXX, XXXX Md. App. XXXX ( XXXX ). " The doctrine of unjust enrichment is applicable where a party, upon the circumstances of the case, is obliged by the ties of natural justice and equity to refund the money, and give rise to the policy of restitution as a remedy. '' XXXX v. XXXX XXXX XXXX, XXXX, XXXX Md. App. XXXX ( XXXX ) ( citations omitted ) ; XXXX, XXXX. has tendered accordingly to XXXX XXXX XXXX XXXX.
Product: Money transfers

I deposited a check for {$50000.00} drawn on a XXXX bank into my Citibank HELOC on Thursday morning, XXXX XXXX. Today the local Citibank branch manager told me that the funds would not be available to draw until Saturday XXXX XXXX - XXXX from the day the money was deposited.
Product: Debt collection

I received notification from Midland Credit about an account that was assigned to them by XXXX XXXX XXXX. I contact Midland Credit and they threatened to garnish my wages so I set up a payment arrangement with them. I then reached out to XXXX XXXXXXXX because I realized I never had an account with them. I disputed the validity of the account and requested a copy of the application. They said to contact Midland because they no longer have it. I reached back out to Midland several times attempting to dispute the account but they refused the dispute. They directed me online to look at the documents. The only documents they have are statements and arent able to provide me a copy of an application either. Midland suggested completing a Police Report for an account they open in 2006 and I have no information to provide them. This account has affected my credit negatively and I need assistance resolving the matter. Ive also disputed it with the credit bureaus without success. The account number with Midland Credit is XXXX. They gotten my money under false pretenses and I want this account deleted from my credit, as well as my money back from Midland Credit.

Thanking you in advance for your assistance! 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of a data breach resulting in identity theft. As a result, fraudulent accounts have been opened in my name without my authorization. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting the immediate blocking and deletion of these accounts from my credit file. 
Below are the details of the fraudulent accounts that I am disputing : XXXX. XXXX XXXX Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance : {$2400.00} XXXX. XXXX  XXXX XXXX  Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Balance : {$5900.00}