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

Firstly, I had a previous account with Cashapp before XX/XX/XXXX, which resulted in my account getting banned because someone hacked it. When I tried contacting them they said they couldnt do anything about it. I had money stolen from me, Maybe around $ XXXX. Coming back to XXXX, I made a new account and started over hoping Cashapp was more professional & so I can send money back and forth from my other accounts and to my family & friends. I kept receiving declined payments from many websites, someone hacked into my account sending {$25.00} to another person, I reported it as a scam and tried requesting another card through their customer support line and never got one. When I finally thought everything was good someone stole my card information and took out {$45.00} out of my account, which was all I really had. I then contacted support again after. Ive had small amount of money taken out through vending machines then there were issues with my refunds from another food service, there were pending charges on my account that never went away till 2-3 weeks and most of the time all I was trying to do was get a new card, after a while I received it in the mail after trying to replace it. But what Im really trying to say is Cashapp has had way to many chances, & I trusted them enough to give them a second chance but not only that they had all of my information in trusted accounts in which they failed at protecting & providing the necessary actions against in, but instead encouraged it more often which is why Im making this complaint about them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is reporting a charged off account that they sold to a XXXX  XXXX still having a balance {$1000.00}. The collections agency it was sold to, XXXX XXXX states I owe them {$550.00} for the debt to XXXX XXXX. I have disputed this item 4 times since XXXX XXXX  to XXXX, Experian, and XXXX stating this item from XXXX XXXX  is reported incorrectly and they will not update the account. XXXX XXXX  can not report a balance other than {$0.00} once they sell the debt. It is against the FCRA to not update my accounts or report correctly!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a request to Experian on XX/XX/XXXX, asking that agency to investigate errors that appeared on my credit report. They are supposed to respond within 30 days, but I have not yet received any correspondence from Experian.
Product: Checking or savings account

My husband and I do all our banking with Wells Fargo Bank ( usually at store # XXXX ). We opened up XXXX different savings accounts, XXXX checking account, and a Platinum Debit Card attached only to our checking account. However, XX/XX/2015 a Wells Fargo employee opened up an unauthorized ATM card in my name ( XXXX XXXX ), and later in XX/XX/2015 another unauthorized ATM card was opened up in my husbands name ( XXXX XXXX XXXX ). Both ATM card accounts were linked to all of our savings and checking accounts without our knowledge or consent. These unauthorized ATM cards were never mailed to us, no notification was ever given, and until just recently we had no knowledge that they existed. We only found out because last month Wells Fargo mailed us renewal ATM cards and we were surprised to receive renewal cards for original cards we never knew existed. We contacted the bank and expressed our concern and complaints, and they did their best to answer our questions, but they could not explain why these accounts were opened. They only suggested the possibility that an employee opened them perhaps to meet some quota, considering at that time in 2015 Wells Fargo had a known issue with fake accounts opened in customer names. After inquiring with the bank and researching we noted the names of the employees who we met and spoke with regularly regarding our savings, checking, and debit card accounts : XXXX XXXX ( officer # XXXX ) and XXXX XXXX ( officer # XXXX ). When we went to discuss these matters with the bank we spoke with XXXX XXXX XXXX, and later on the phone with the manager XXXX XXXX. They could not answer our questions and referred us to a special branch of the bank which deals with matters such as ours ( Resolution Team ). The Resolution Team had a representative named XXXX contact us ( reference # XXXX ), and he has been trying to resolve the matter but as of yet there is no explanation as to how or why these ATM card accounts ( linked to all of our savings and checking accounts ) were opened in our name without our knowledge or consent. They mentioned the possibility of small monetary compensation for our troubles, but this is not sufficient for us. We are very concerned about our finances. This is our life savings and we need to know that our money is safe and that bank employees are not opening up accounts without our knowledge. We find this matter to be a grave injustice concerning customers at Wells Fargo, and we worry that this might happen again.
Product: Debt collection

This Speedy Cash  Loan Was Supposedly To Have Been Granted On XXXX, 2021 For {$1400.00}, Account # XXXX. I am Completely unaware of any of this. I never recieved any loan and what current information that i do have about this account came from The collection agency Adstra following an update from my credit report which made aware of the fraudulent loan/ activity Concerning This Fraudulent loan and account with Speedy Cash. I Contacted Speedy Cash To Inform Them That This Was An Result Of Fraudulent Activity. Thier Response Was Very Unprofessional In Means To handling My Complaint Stating That They Tried To Contact Me Concerning The Account And were Not able To Contact Me, I Clearly Stated Of Course You Wouldnt Be Able To Contact Me If Its A Fraud, Explaining To Them The Current Matters Revolving The Fraudulent Account And Going Over The Fraudulent Account With Them Showing Them That The Phone Nummber That Is On The Account Doesnt Belong To me, Neither Does The Email address On The Account Belong To Me, Nor Does The Mailing Address Belong To me. My Primary & Current Residence Has Never Changed, The Current Email Address That I Am Using Now Has Never Changed, Nor Has My Phone Number Ever Been Anything Other Than The Phone Number I Currently Have To This Day. I Have Never Recieved Any KInd Of Mail Or Documentation Through Via Email, Phone, Nor Home Address Concerning Anything With Speedy Cash NOr Have I Ever Had Any Dealings With Speedy Cash, Let Along Ever Had A Loan Or Needed One. I Dont Even Have A Login Or Account With Speedy Cash Via My Phone Number, Email, Or Home Address. Down Below I Have Provided My Identity Theft Report To Show Proof That This Is Fraudulent Activity Conerning This Account # XXXX With Speedy Cash.
Product: Checking or savings account

On XX/XX/2021, I deposited a check in the amount of {$4000.00} into my personal checking account with PNC Bank. The check was arranged by XXXX XXXX XXXX who seemingly was my manager for the company XXXX XXXX XXXX XXXX of which I seemingly was employed with at the time. I was told by XXXX XXXX the funds were for payment to contractors and office equipment. The financial institution 's name on the check was PNC bank. The {$4000.00} was posted to my account by XX/XX/2021. After the funds were posted, with instructions from XXXX XXXX, I sent payments to individuals he provided. 
On XX/XX/2021 I received another check arranged by XXXX XXXX. The check was in the amount of {$4500.00}. According to XXXX XXXX, the funds were to be used for additional office equipment. I deposited the check into my account the same day. Shortly after depositing, XXXX XXXX sent a XXXX message wanting to know the status of the deposit. When I checked my account on-line, I did not see the check showing as pending. I contacted PNC customer service and spoke to a rep. The person did not see the pending deposit either. I returned to the branch where I made the deposit. At the branch I learned the {$4500.00} check as well as the {$4000.00} check were fraudulent. I informed XXXX XXXX of what I was told regarding the checks. He denied the checks were fraudulent and said the accounting dept would follow-up with PNC which did not happen. PNC bank reversed the {$4000.00} from my account. I tried to find out from PNC why the {$4000.00} was posted to my account before vetting the check as the financial institution on the check was PNC bank. Had PNC bank vetted the check, they should have been able to determine the check was fraudulent before posting to my account. PNC essentially told me the funds were posted to my account based on their business process. Since the check was not vetted, I requested the {$4000.00} be refunded to my account. The bank is refusing to refund the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX You are in direct violation of the Fair Credit Reporting Act ( Exeter is the company and account number is XXXX ) 15 U.S.C 1681 section 602 A. Clearly States that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish my account without written consent.

15 U.S.C 1666B : A creditor may not treat a payment on credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under the The Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

My information has been compromised in multiple data breaches over the last five years. During this time, a payday loan and a XXXX account were fraudulently opened in my name. Over the past four years, my family and I have been harassed with phone calls at all hours, despite having no business with these companies or receiving any prior correspondence.

I have repeatedly attempted to dispute these items on my credit report but lacked the knowledge and resources to do so effectively. Now, I am aware of Section 605B of the FCRA regarding identity theft and am prepared to use all available resources to have these fraudulent items removed.
Product: Credit card

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Against Chase Bank for Unexplained Account Closure and Unprofessional Conduct Dear Sir/Madam, I am writing to file a formal complaint against Chase Bank regarding the abrupt and unexplained closure of my credit card account, as well as the unprofessional and disrespectful behavior exhibited by their representatives during the process. 
On XX/XX/year>, while I was overseas and relying solely on my Chase credit card for financial transactions, I received an email notification from Chase informing me that my credit card account had been closed. This closure was executed without any prior notice, justification, or opportunity for me to address any potential issues. 
Upon contacting Chase Bank to seek clarification and resolution, I was met with rudeness and unprofessional conduct from their administrative representatives. They provided no explanation for the account closure and, instead, responded with dismissive and disrespectful remarks. Specifically, one representative indicated, in a highly inappropriate manner, that the decision was final and that there was nothing I could do about it. 
The sudden and unexplained closure of my credit card account caused significant inconvenience, financial distress, and emotional pain and suffering, particularly as I was overseas and had no alternative means of accessing funds. Furthermore, the lack of transparency and the disrespectful treatment I received are deeply concerning and reflect poorly on the customer service standards that I expect from a reputable financial institution like Chase Bank. 
I request the Consumer Financial Protection Bureau to investigate this matter and take appropriate action to address the following issues : 1.The rationale behind the abrupt closure of my credit card account without prior notice or explanation. 
2.The unprofessional and disrespectful conduct of Chase Banks representatives.

3.The significant inconvenience, financial distress, and emotional pain and suffering caused by the account closure while I was overseas due to Chase Banks sudden change of heart based on no apparent reason. 
I trust that the CFPB will handle this matter with the urgency and seriousness it deserves. Please find attached copies of all relevant correspondence and documentation pertaining to this issue. 
Thank you for your attention to this matter. I look forward to your prompt response and resolution. 
Sincerely, XXXX XXXX Cell XXXX Address : XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Money transfer, virtual currency, or money service

Starting on XXXX to XX/XX/year> I did multiple payments to a company that was gon na do a delivery of a puppy to me, after paying they were so many delays on their part as to why the puppy can not be delivered to me, until i decided to file a report to the police cause that is when I realized I got scammed. They threatened me if I do not finish paying, due to fear I continue paying. I filed a police report and filed a claim to my bank on the same day XX/XX/year>. I saw that my bank denied my claim on XX/XX/year> and then I called the bank on XX/XX/year> and they are saying because the payments were done by a third party they can not dispute it, i asked if i could file an appeal they did not let me, so they did get to see my evidences.
Product: Checking or savings account

I was in the process of getting my state XXXX during this time, I had informed Venmo that I was in the process of getting my state XXXX. Only for them to ban my account.
Product: Credit reporting or other personal consumer reports

I was an authorized user on a XXXX credit card account, therefore the account doesn't belong to me. I requested that Equifax remove the account from my credit report by going through their online dispute process. I disputed the account on XX/XX/2023, XX/XX/2023, and XX/XX/2023. Each time I've disputed the account, Equifax reports : " We have researched the credit account. The results are : WE VERIFIED THAT THIS ITEM BELONGS TO YOU. '' I've supplied numerous XXXX documents that state that the account does not belong to me. I'm highly disappointed that Equifax improperly investigated my dispute 3 times. This has caused me undue hardship. 

I've attached a document from XXXX reporting that I am no longer on the account and a document that was sent to the primary account holder.
Product: Checking or savings account

I have happily been Catch Benefits app ( run by Catch Financial , Inc ) for 2 years for my tax withholding and savings, but currently it's holding my money hostage. On XX/XX/2022 I tried to withdraw money to make my quarterly tax payment and no longer had access to my own funds. ( There was some migration and now my account is showing a {$0.00} balance. ) The help desk told me since I didnt upgrade my account by the XX/XX/XXXX deadline that they would have to send me a paper check by mail. Not only did that mean missing the XX/XX/XXXX tax deadline, they also withdrew all the funds from my savings account that I had set aside for my summer vacation which is coming up in 3 weeks. My account is now emptied and still have not received a check. I am getting a different story every week from the help desk. 

It has now been more than 3.5 weeks and this week they are saying I have to wait ANOTHER 10 business days to pass and if I have not received my check, I will need to contact XXXX support team. I dont know who XXXX is. It just feels like they are giving me the runaround. 

I went online to leave a review in the app store and was disheartened to see that there are tons of reviews from customers with the same problem. The same goes for their social media accounts. Multiple stories from small business owners and freelancers whose money they have not returned! They have broken my trust and I would like this claim and this company investigated.
Product: Money transfer, virtual currency, or money service

I signed up for an account in XXXX, but haven't been able to " verify '' all of my information, although I have emails saying that I am verified. I have {$100.00} stuck in their system, and I have made NUMEROUS complaint tickets, XXXX  at them, sent messages on XXXX and XXXX ... with no reply. This is going on four months with no reply from them on how to get my account operational so that I can withdraw my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is fraudulent activity on my credit report. I recently received my 1099 copy B from this IRS from both XXXX and XXXX XXXX XXXX XXXX XXXX XXXX The IRS accepted both documents I filed 1099C with XXXX and 1099A with XXXX 
I expect these accounts on my credit report to be resolved immediately due to the Securities Exchange Act, as well as the Federal Reserve Act Section 29, 12 CFR215.11, due to breach of fidicuary duties.

My consumer rights have been violated and there are numerous UCCs that support my claim.

15 U.S. Code Chapter 41 15 U.S. Code 1693 UCC3-419 15 USC 1692a ( 3 ) 15 USC 1681a ( c ) 15 USC 1602 ( i ) I am aware of both the indenture trustee and trustee of both XXXX and XXXX XXXX XXXX and if this matter isnt resolved, I will have to take legal action within 30 days of notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is two different accounts with Experian that are NOT my accounts. They are fraudulent. XXXX XXXX, and XXXX XXXX. I have sent them proof of all documents, and the FTC report and I was told it would be deleted. They refuse to delete the accounts and due to this I can not get help or the credit I need because of the fraudulent accounts. I have asked for a security freeze and there is numerous inquiries that continue everyday that are fraudulent. They will not delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the XXXX XXXX report and other furnished XXXX XXXX regrading all personal information of mine. 
This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. My information is currently XXXX XXXX XXXX XXXX XXXX My current legal name XXXX A please remove/ delete all variations they are incorrect. 
This is the second time I have contacted XXXX XXXX, Trans Union, XXXX, XXXX   regarding the following information below. I am requesting that you promptly delete these addresses I do not believe a proper investigation was done from my file through your office.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whomever This May Concern : My name is XXXX XXXX. Last week I reached out to Experian because they have someone else information on my credit report. I submitted disputes. I submitted a police report and my DL as well. I received an email from them stating that they needed another police report or all pages. I have submitted all pages of the police report. There are no additional pages. I have submitted everything that they have requested. The accounts that are not mine are as follows : XXXX/XXXX  XXXX XXXX Now XXXX XXXXt XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX I am not pleased with what is going on and what they are not doing and how this information has not been removed and/or blocked from my report. I need this removed and rectified asap before they find themselves in the middle of a lawsuit for having information on my report that doesn't belong to me, that isn't in my name, and that isn't associated with me at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX  XXXX XXXX : {$550.00} XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX XXXXXXXX Balance : {$5300.00}
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX