23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

On the previous complain, I stated that Cash Star was processing 2 gift card purchase that was NOT initiated by me. 

I asked that Blackhawk network need to have a department where customer can report fraud.

Im requesting the following from BlackHawk network : with the two transactions, who/what information was used to purchase the gift card? Whose credit card was used? Not only their use my name to purchase gift card once, but twice.

This is violating my identity security and I should be able to report immediately when unauthorized use of my identity with the company.
Product: Checking or savings account

My discovery date was not until XX/XX/XXXX although the wrongdoing started to occur beginning in XX/XX/XXXX but then most significantly between XX/XX/XXXX through XX/XX/XXXX. 

Original complaint filed XXXX with CFPB. Second complaint filed with CFPB XXXX. Civil Complaint filed with XXXX XXXX XXXX ( XXXX # XXXX ) on XXXX by counsel. XXXX filed by counsel XXXX and then the XXXX  was filed by me in pro per on XXXX. Wells Fargo filed second demurrer XXXX. I will be filing my response to their second demurrer and request for judicial notice this coming week. 

Instead of Wells trying to work with me to make it right as former XXXX XXXX XXXX XXXX XXXX promised he would, WF keep fighting me every step of the way. WF fraudulently issued 5 ATM/debit cards in my name with fictitious/already assigned PIN # 's or allowed a third party to obtain these ATM/debit cards with PIN # 's without my consent between XX/XX/XXXX and XX/XX/XXXX ; XXXX allowed a third party to pre-apply for a new regular checking acct in XX/XX/XXXX in my name having me believe it was a joint acct and misrepresented the character of that acct when I came into the bank 3 days later ; WF opened XXXX teen checking accts XXXX meant for kids aged XXXX ) for my children who were ages XXXX and XXXX in XX/XX/XXXX and WF misrepresented the character of those accts as well as I understood them to be strictly savings accts. WF did not submit any Form 8300 's to XXXX or the IRS and I have discovered XXXX transactions of over {$10000.00} ( single or cumulative deposits/withdraws ( cash also ) committed by my spouse ( actually I recently found out on XX/XX/XXXX that he was married to another woman at the same time he married me on XX/XX/XXXX so our marriage was not valid ( that XXXX XXXX  with intent to defraud me is a separate matter ) ; WF also allowed 66 paychecks to be fraudulently endorsed over a 9 year period and there are 47 unaccounted for negotiated paychecks of mine that were unknown to me and WF has not sent to me including one the was for {$150000.00}. WF also allowed some of my live payroll checks ( most of them large amounts ) to be not only fraudulently endorsed by a third party but WF also allowed some of them to be deposited into other accounts that did not even have my name on them!

The list goes on but WF failed in their standard duty of care and committed fraud and gross negligence. WF sent me some of what I asked for in terms of documentation between XXXX and XXXX of XXXX. Then they stopped cooperating so I hired a lawyer in XX/XX/XXXX. That lawyer did not file the lawsuit until XX/XX/XXXX and then got out of the case in XX/XX/XXXX as it was too complicated for his firm to handle and he had XXXX  issues as well so I have been handling the matter on my own since.
Product: Debt collection

I received what I believe to be a fraudulent debt collection letter for a debt I never owed or have not been contacted previously. I believe it is a scam. I did not try to contact the company because i did not wan them to even know I was interested. I have attached a copy of the letter. My address is even wrong on the letter. It is a 5 digit house number not a 4 digit.
Product: Checking or savings account

On XXXX XXXX I was robbed at gun point and my purse was taken! I filed a police report and sent it to chime and they keep declining my dispute! I cant help I got robbed, Im still reviving from it mentally and emotionally! XXXX XXXX is the merchant and there was two transactions of {$250.00} that was stolen out my account! All of my information was stolen Drivers License etc! I also see unauthorized transactions from this company in XXXX that Ive attempted to address but never got a response from chime or XXXX XXXX!
Product: Debt collection

Compu-link, Conducted a non-judicial foreclosure on XXXX XXXX XXXX XXXX XXXX La XXXX XXXX Louisiana is a judicial state. Due to this wrongful foreclosure due process laws were violated. During this sale an amount of XXXX was completed. The deed was never transferred. After XXXX years the house as of today is titled to my parents. Louisiana law after you initiate a foreclosure statute of limitations are 3 years. Parents died 2019 and the statute of limitations has passed. 

We are trying to cure the title but we need XXXXlink corporation to release the lien due to illegal foreclosure in the state of louisiana. This is not my debt and request removal from title.
Product: Checking or savings account

XX/XX/2022 My gift card supply charged my account at fifth third bank XXXX XXXX XXXX XXXX XXXX XXXX I called and told them it was fraud, they opened a case, promised a credit. 

I never received a credits, they told me it wasnt fraud and refused to give my money back- even though it was purchased in XXXX  and I have proof of being at my work in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My house was impacted by Hurricane Irma. There was damage to roof and interior. The lender, Seterus Inc reached out and offered disaster assistance in the form of a 6 month forebearance. Prior to  accepting the offer I asked several times about how this would impact my credit. I was told that nothing would be reported due to the disaster. During that time I attempted to refinance the property to pay for the repairs. I was unable to get a loan due to the lender not reporting. So I waited until the forebearance plan was to end. Before the end of the 6 month forebearance I contacted Seterus to inquire about the return to payments. I was told that I had options going forward. They told me that if I was to make 3 payments over the next few months that my loan would be adjusted. I made the payments but then Seterus reported me as late 150 days to credit burea. When I called and complained I was told that it would be labeled with a code that showed disaster Irma and this would not hurt credit. My credit score dropped over XXXX points. When I called back I was told that the reporting rules changes. They then allowed me to make 2 months payments ahead and brought my account current and adjusted the loan. However they again reported me as 150 days late. Today it shows as current but due to the negative marks I can not refi my house to make repairs.
Product: Student loan

XXXX XXXX ( now Navient ) misallocated payments between the loans in a Billing Group. I request that the payments be properly reapplied. 

At the time of the error, Private Loan XXXX had a principal balance of {$31000.00} with an interest rate of 3 % and Private Loan XXXX had a principal balance of {$27000.00} at 2 % interest. 

Despite repeated requests to move these private loans out of the same Billing Group, at the time that this allocation error occurred, XXXX XXXX had denied my requests. They repeatedly denied these requests to separate the loans from a Billing Group until XXXX XXXX. 

In the attached documentation, you 'll see that a {$10.00} payment made on XXXX/XXXX/XXXX and a {$12.00} payment made on XXXX/XXXX/XXXX were XXXX allocated towards XXXX loan only : the Private Loan XXXX, which has the lower interest rate and the lower principal balance within the Billing Group at the time. 

Payments made on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX seem to be properly allocated between XXXX loans within the same Billing Group.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal financial information and neglected to implement proper security functions in their data storage. The data breach announced on XXXX XXXX, 2017 likely included my information. 

Nothing has been done by Equifax to notify me personally. It was announced publicly over a month after it was detected, and nothing was done to indicate who may be affected. I only learned about the breach and potential remedies through social media. 

As a credit reporting service, Equifax automatically and unavoidably has access to much of my personal information. Since credit reports are required for most major personal life actions, individual consumers have zero market power over these credit reporting companies. Thus there is nothing that can be done practically to keep this from happening again, both personally and as a nation.
Product: Checking or savings account

I did not receive a maturity notice on a {$3000.00} CD that matured on XX/XX/XXXX from Huntington Bank. The interest rate was 1.484 % paid annually. It was a 2 year CD. 

Starting on XX/XX/XXXX, I started trying to contact someone in the bank. 
Within the grace period I called to see about closing out the account - not renewing it - and getting my money. 
After 3 days and three phone numbers, I talked with XXXX at this number on XX/XX/XXXX XXXX XXXX ) - he gave me a passcode and assured me that I would receive the funds in 7-10 business days. It is now XX/XX/XXXX and I have not received my money. 

I called the same number today - XX/XX/XXXX - they said that I needed my XXXX  DL number to verify that it was me over the phone. I gave them the ordinary identification items - SSN, etc. that they asked for but did not know where my XXXX DL was. 
I have moved to XXXX since I opened the account - and had given them a change of address in person before I left XXXX. 
I asked to speak with a supervisor and even though by this time I had located my XXXX DL she said I had to call another number - I was transferred to ( XXXX ) - they told me that I needed to go a branch office. The nearest branch office is 3 hours away from me in XXXX, XXXX. 
They then asked me for the branch information where I opened the account - I gave them the information - including the address and the name of the person who prepared my form. They then gave me the branch of their nearest branch to where I opened the account. 
The third number I called was ( XXXX ). She asked me a few questions and said she would call me back in a couple of hours. I do not believe her.
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 Balance : {$0.00} XXXX XXXX XXXX **** Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty day time frame. Please take the time and consideration to remove the incorrect information from my credit report. With our economy struggling the way that it is, I can not afford to have inaccurate information negatively affecting my credit score. I will await an updated copy of my credit report to reflect these changes within thirty ( 30 ) days. I'm never been late on these accounts : XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. Also, I am the person making this complaint & I give cfpb authority to investigate this claim.
Product: Debt collection

I was charged for an emergency room visit. I never received any care wat so ever. My infant was taken to the hospital but was never seen for anything, I left because the wait time was absolutely too long. I ended up taking her else where to receive care. There is an outstanding bill of XXXX from XXXX XXXX XXXX. 
This is totally false and they are trying to scam me out of money.
Product: Money transfers

I am very frustrated in trying to get this problem resolved. XXXX ( division of PayPal? ) and XXXX XXXX are involved and have been no help and I need answers quickly. This problem involves a large fraudulent withdrawal from my XXXX XXXX account by/thru XXXX. There was an unauthorized withdrawal of {$2900.00} from my business account on XXXX/XXXX/2015. The company that took/transferred the money is XXXX. I even know where the money went and am being told by XXXX XXXX, that there is nothing they can do. XXXX XXXX went as far as to tell me that since I reported it beyond the 24 hour threshold, I forfeited my chance to dispute it. XXXX does not accept phone calls and will only communicate via emails. I want to be clear, I never had a XXXX account, I never purchased anything anywhere near this amount that I an trying to return. This is theft! Please help me.
Product: Credit reporting or other personal consumer reports

I have been trying to get the XXXX  XXXX XXXX and XXXX XXXX  hard inquiries removed from my credit report at TransUnion as they are on there in error. I have mailed a letter in XXXX to have them removed and had multiple phone calls. Each person I spoke to provided different information about next steps and still no resolution. TransUnion has provided conflicting guidance with no solution.
Product: Credit card or prepaid card

On XX/XX/XXXX, I was made aware that Pnc Bank had placed a hold on my checking account for {$5000.00}. This was a request by an attorney 's office due to a judgement. Unfortunately, this made my account negative over {$4000.00}. I have been off work and was tested on XX/XX/20 for the covid-19 virus so having this hold on my account is very stressful at this time. I have made arrangements with the attorneys office for a settlement of {$1000.00} to come out and the remaining to be released immediately. This was faxed to Pnc Bank on XX/XX/20 but the hold is still on my account. I'm requesting help to get this hold removed immediately. I'm also requesting information as to if this was legal to place a hold during this time of pandemic in our country. As you can imagine, this has made it even much more difficult to care for my family. It has also cause a great deal of additional stress for me and my family while I wait for the results of my testing. If you can please help me in anyway, I would greatly appreciate it. 
Thank you. 
XXXX XXXX.
Product: Credit card or prepaid card

I received a letter stating that my payment to XXXX XXXX XXXX XXXX account in the amount of {$560.00} was returned to my bank on XX/XX/18. I never forward a payment Because I never was aware of this account.
Product: Credit reporting or other personal consumer reports

I disputed the inaccurate account and expected for the account to be removed however nothing has changed so far. This company is reporting fraudulent inaccurate information without permission from me to put on my credit report.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report I have found out I have fraudulent hard inquiries reporterted on my Equifax Credit Report, these hard inuquiries were made without my knowledge or consent, and I believe they are the result of fraudulent activity. The hard inquiries are 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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against [ Credit Bureau Name ] regarding inaccuracies in my personal information as reported in my credit report.

Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX XXXX, but it is incorrectly listed as XXXX XXXX, XXXX XXXX XXXX. on my credit report. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX while my credit report shows an outdated address of XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX request that my current address be updated accordingly. 


3. Incorrect Contact Information : The DAY OF BIRTH listed on my credit report, XXXX, is not my birthday information that I use. I request that my DAY OF BTIH IS XX/XX/1996, be updated as my DAY OF BITH Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name and BOD. 
A recent utility bill or bank statement showing my current address.
Product: Money transfer, virtual currency, or money service

I use cash app service. I was using the app and accidentally loaded {$700.00} on to my cash app and reversed it immediately. I did not authorize that transaction and when I tried sending the money back, they charged me a fee of {$10.00}. I tried reaching out to the team on cash app via XXXX  direct message, and was told they would not reverse the fee. I will attach screenshots of the XXXX  conversation where I mention contacting the CFPB and they dismissed both me and your agency.
Product: Credit card or prepaid card

My credit card expires this month. I have been paying my payments on time and have been with the company several years. I have one other credit card in which I am current. On XX/XX/2018, citi card sent me a message stating that once my card expires they will not be sending me another one because I filed bankruptcy and/ or a charge-off on another credit card account issued by Citi . I do not have any other credit cards and have not had any other ones besides the one listed since they reissued my card in a year or two ago. I think this is a discriminatory tactic against minorities.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am writing to delete the following information in my file. the items i need deleted are listed in the report .i am a victim of identity theft and did not make the charge, i ask that the items be deleted to correct my credit report.i reported the theft of my identity to the federdal trade commission and i  alson have enclosed copies of the federal trade commissions identity theft affidavit .please delete the items as soon as possible
Product: Debt collection

I opened a secured credit card with XXXX beginning of XXXX with a credit limit of {$1000.00}. In XXXX I requested a credit increase to {$2000.00} and was denied. Now, my account has been sold to a third party who is claiming I owe over {$2300.00} on the card. Over 50 % of the original limit on said card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was impacted by a natural disaster in XX/XX/XXXX. Hurricane Irma. I was with my mortage company XXXX. During that time I was under a Forbearance for over 6 months. I would call and call multiple times, my remarks and records indidcate this. I had to do a loan modification due to a natural disaster and I was told my credit would be protected by fema. After almost a year of getttonh documents submitted and going back and forth I was finally approved for a modification. During that time my loan was transferred and I was going to pull from my 401k to get current but I was told to start making payments with the the mortage company Flagstar as of XX/XX/XXXX. My load modification was transferred from XXXX as is to Flagstar without my concent. I tried to appeal but XXXX said they have no records of this. Now my credit has been impacted bc Flagstar is saying I owed 2 months for XX/XX/XXXX and XX/XX/XXXX from XXXX but my loan was not transferred and my loan was not successfully modified and approved until XX/XX/XXXX and I was told to make my first trail payment with Flagstar and not Cenlar starting in XX/XX/XXXX. This is not fair because now my credit report is showing that I missed payments XX/XX/XXXX XX/XX/XXXX andXX/XX/2019 due to missed payments from being under the disaster from XXXX when that account was closed and dropped my credit score over 50 points. Flagstar has no documents from XXXX that the reason I was behind was due to a natural distaster and that XXXX extended my forbearance multiple times. XXXX will not send any information about my forbearance because they say they dont have it and they have no direct number to loss mitigation. Flagstar my credit will stay as it, as its not fair that I was not able to fulfill my loan modification with XXXX who created the loan modification. I just want my credit report to show that I made all payments on time and not missed as it states on my credit report for XX/XX/XXXX XX/XX/XXXX XX/XX/2019. Only a few people have been nice at both companies but other than that its been horrible. I was also out on XXXX during the time of the natural disaster due to XXXX  XXXX but again, this was never noted. I submittted all receipts from my repairs for my modification and it states that if I were in a natural distaste area my credit would have been suspended from being reported. XXXX did a horrible job conducting my modification as it took almost a year and they didnt give Flagstar all the documents needed and Flagstar has been no help. Please please help me.
Product: Credit reporting or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMER OUS LETTERS INFORMING THERE IS INACCURATE, ERROENOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your numerous investigations and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " DELETE '' THE ACCOUNTS Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

18 USC 1028A is a federal statute in the United States known as the " Aggravated Identity Theft '' law. This law makes it a crime to knowingly transfer, possess, or use another person 's identification or means of identification during or in relation to certain felonies, including any violation of federal immigration law, or any act punishable under specified sections related to terrorism, espionage, or domestic violence. The penalties for violating 18 USC 1028A are severe, with mandatory additional prison time imposed on top of the sentence for the underlying felony. It's an important law aimed at combating identity theft and related crimes.