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

XXXX closed my previous dispute with an automated response** you need to refund me. 
Dear Cash App Support, I am writing to express my deep concern and frustration regarding unauthorized transactions and security breaches on my Cash App account. I have been a victim of cellphone theft, and my account has been compromised, resulting in significant financial losses. I am formally requesting a thorough investigation and immediate resolution of this matter. Unauthorized Transactions The following unauthorized transactions were made using my Cash App debit card : XXXX. {$3000.00} XXXX XXXXXX/XX/year> XXXX. {$3000.00} XXXX XX/XX/year> XXXX. {$2500.00} XXXX XXXXXX/XX/year> These payments were made to XXXX XXXX, a recipient I have no knowledge of or association with. I did not authorize these transactions, and they are a direct result of my stolen identity. Security Breaches There have been unauthorized logins to my account from other countries, including the XXXX. I have never traveled to these locations, which clearly indicates a security breach. Inadequate Investigation I am deeply disappointed with Cash Apps handling of this situation. My previous disputes have been automatically closed without proper review, demonstrating a lack of thorough investigation into these fraudulent activities. Demands for XXXX XXXX. XXXX XXXX : I demand an immediate refund of all unauthorized transactions. XXXX. Proper Investigation : Conduct a thorough investigation into these fraudulent activities and security breaches. XXXX. Compensation : Provide appropriate compensation for the distress and inconvenience caused by this security lapse. XXXX. Chargeback : Initiate chargebacks for all unauthorized transactions. Supporting Evidence XXXX. I have filed a police report with the XXXX XXXX Police Department regarding the identity theft. XXXX. The transactions in question violate Cash Apps terms of service, as remittance services are not permitted. Conclusion My financial institution has denied my disputes because my name was used in the transactions. However, this is precisely because my identity was stolen, including access to my license and other identifying documents. I urge Cash App to take immediate action to resolve this matter, secure my account, and provide the requested refunds and compensation. Failure to address these issues promptly and thoroughly XXXX result in further legal action. I look forward to your immediate response and resolution of this critical matter. Sincerely, XXXX XXXX
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 NUMBERXXXX 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 FOUR 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. Mv 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 Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX, I have sent over twenty certified letters to both XXXX and Macy 's Credit for an alleged debt I believe, beyond a shadow of a doubt, is not mine. To date, either the Credit Bureau or the Creditor have not responded or to update me regarding the investigation status : XXXX : a ) XXXX  Acct No. XXXXxxxx
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act convergent account # XXXX has violated my rights.

15 u.s.c 1681 section 602 A. states 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with all three bureaus and they haven't received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation.The following items are lsited below : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Product: Debt collection

CCS company is reporting an accurate information on my credit report that severely impacting my credit about a debt that I do not owe. They are claiming that I owe {$370.00}. I have tried to reach out to this company several times but they refuse to correct there mistakes.
Product: Credit reporting or other personal consumer reports

I want reported accounts to be removed I was not provided any proof or documentation that XXXX and XXXX used to verify these debts on my credit report. I have has asked for 3 months. XXXX XXXX, and XXXX of XXXX proof of how they verified these accounts. This violates the fair credit reporting g act 15 USC &. 1681i, which mandates a reasonable explanation into disputes Furthermore Equifaxs actions may also contravene the consumer financial Act 12USC. 5536 ( a ) ( 1 ) ( A ) - ( B ). As high listed in the recent CFPB recent administrative proceedings ( file No XXXX XXXX ) taking action against them for similiar practices. I request that CFPB take action to ensure XXXX complies with federal laws and provides consumers with necessary proof. Accounts in question are. XXXX XXXX XXXX {$740.00} XXXX XXXX  {$1100.00} XXXX XXXX XXXX {$740.00}.
Product: Checking or savings account

I had a checking account with Regions bank back in XXXX. I left the country for many years, and in XXXX I got an email/letter from Regions unclaimed property asking me to confirm my account. I did so and they told me they would not close the account nor turn it over to the state unclaimed property department. 

However, at the end of XXXX I went into a Regions branch and asked to withdraw my money. They said the account was closed with a {$0.00} balance. I emailed them, and they have been most unhelpful. Same with phone support, which I tried to call back in XXXX and XXXX. They would tell me over the phone that they have no record of the account. I have also checked with FL, AL, and SC unclaimed property departments and the funds were not turned over to any of these agencies. 

The account number ends in XXXX and should have {$150.00} in it plus interest acquired over the last 10 years. 

I would like to claim my {$150.00} + earned interest from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX, ID XXXX XXXX XXXX  XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX SD XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX In accordance with the Fair Credit Reporter Act XXXX  account number # XXXX, # XXXX, and # XXXX has violated my rights, 15 U.S.C 1681 Section 602 8 States I have the right to privacy.

15 U.S.C 1681 Section 604 a section 2 I also state a consumer reporting agency can not furnish my account without my written instructions.
Product: Mortgage

XX/XX/XXXX I received a letter form XXXX XXXX XXXX thanking me for participation in the loan assistance process XX/XX/XXXX XXXX XXXX XXXX XXXX notified me regarding my loan number:XXXX, { XXXX }. A re-instatement order was submitted. By the Home loan team. Respond by XX/XX/XXXX completed the package forwarded to the Home Loan Team. XX/XX/XXXX I received a letter from Carrington Mortgage LLC Phone XXXX stating my loan had been transferred to their company. Loan no. XXXX Stating they would honor the { XXXX }. Submitted to XXXX XXXX XXXX,  However I submitted another { XXXX } with Carrington Mortgage LLC. After receiving a notice my deadline was XX/XX/XXXX, On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX phone XXXX filed notice of a collection foreclosure hearing with XXXX XXXX XXXX XXXX XXXX. for XX/XX/XXXX another foreclosure hearing is set for XX/XX/XXXX Note : under NC.G.S. 45-21 16 { C }. 15 U.S.C.1692 a { 5 } > Lender is supposed to provide barrower XXXX XXXX an opportunity to resolve the matter through any an all resolutions ... I inquired about the status of my { XXXX } application? Once the barrower has submitted a { XXXX } .application the foreclosure process is supposed to ceased By according FHA , FEDERAL an  STATE LAW.
Product: Mortgage

I paid my mortgage in XXXX through cashier check .The mortgage company has the cashier check but do not want to put in the work to find it .My bank already faxed them duplicate of the cashier check .it has been over 6 months and anytime I call I get the same response Give me up to 3 working days and nothing is being done .They reported me to my credit bureau amidst all this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no idea who this company is or why they pulled my credit. No way to contact them. This hard inquiry negatively affected my credit report and credit scores
Product: Debt collection

Ad Astra continues to report a payday loan that I never took out. I have disputed this 6 times as it is fraud but they have continued to report it as a collection for over 6 years now. They also state that I am paying on it so they can keep it on my file longer : AD ASTRA RECOVERY SERVIC Collection Balance Decrease of {$1.00} It looks like you might be paying down this balance. Good work! Keep in mind that lowering your collections balance won't necessarily change your credit score, although resolving a collections account could help you rebuild your credit health over time.
Between XX/XX/2019 and XX/XX/2019, the balance on your AD ASTRA REC collections account decreased by {$1.00} from {$610.00} to {$610.00}.

This is completely false as I have never paid them anything.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX  
I HAVE AN OUTSTANDING BALANCE OF XXXX  INTEREST RATE AT 0%. MATURITY DATE OF XXXX XXXX XXXX 

I'VE CONTACTED THE STATE ATTORNEY GENERAL FOR XXXX XXXX FRAUD DIVISION AND NOTHING EVER HAPPENED WITH THAT. PHH CONTINUES TO SEND ME MORTGAGE LETTERS SAYING THAT I OWE THIS AMOUNT. I'VE CALLED THEM AND THEY WANT MY SOCIAL SECURITY NUMBER FOR VERIFICATION AND I'M NOT WILLING TO DIVULGE THAT INFORMATION TO THEM AT THIS TIME. I'VE TALKED WITH MY CURRENT MORTGAGE COMPANY XXXX  WHO HOLDS MY VETERAN MORTGAGE LOAN AND THEY SAY THEY HAVE NO INFORMATION ABOUT A SECOND MORTGAGE.
Product: Credit reporting, credit repair services, or other personal consumer reports

FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at 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 XXXXXX/XX/XXXX with a balance of {$18000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

My daughter was in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( XXXX XXXX XXXX XXXX Utah ) for a major health event. I cover her health insurance and made sure to contact the billing department early and provide documentation that myself and her dad ( who are separated ) are both legally responsible to pay XXXX of all her bills. As such, billing was split accordingly- although this took repeated effort. I maxed my out-of-pocket and paid all bills owed on my account for her. XXXX XXXX Billing office has record of this and confirmed this recently. They also noted that I was paid in full and the balance remaining was due from my daughter 's father. I have received no medical bills since XXXXXXXX XXXX XXXX I received XXXX individual bills from a collection agency, Express Recovery Services XXXX Inc. in my name for what appeared to be my daughter 's dads ' bills. I called XXXX XXXX billing and they noted that I was paid up and they weren't sure why the credit agency had sent me the bills. The notes that they had access to ( Express Recovery Services ) showed that I had paid my balance back in XXXX. The credit agency had been unable to collect from my daughter 's dad and so decided, I guess, to go after me - despite knowing, having written documentation from the hospital billing office, that I had already paid my balance. This is completely unethical. I called the credit agency right away and explained that I didn't owe anything, had paid in full, and would be contacting XXXX XXXX billing to discuss the matter. I also noted that I intended to reach out to my attorney about the matter because I was so tired of dealing with the issue. To date, since that initial conversation back in XXXX, I have not heard from them ( credit agency ). However, given the egregious nature of this action by Express Recovery Services, who sought me out on their own and not at the request of XXXX XXXX, I strongly believe there should be some action against them. This was an effort to intimidate me into paying for my ex 's bills probably because they knew I did pay my bills. I suspect they've done this to other people who are divorced/separated from their former partners. If I had the funds, I would sue them.
Product: Credit reporting or other personal consumer reports

XXXX reported me late on XX/XX/year> as 30 days late on my XXXX thats incorrect. 

TransUnion reported me 30 days late XX/XX/year> that's incorrect I paid on time XXXX reported me XXXX days late on XXXX and XX/XX/year> that's incorrect I paid on and all late payments should be removed off this account I did not authorize or accept on of these late payments that goes against my rights In accordance with fair credit reporting Act. These accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681
Product: Credit reporting or other personal consumer reports

a complaint against XXXX for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX, I noticed on my TransUnion consumer report that they were illegally reporting a bankruptcy on my profile. I reached out to the U.S. bankruptcy court and they shared that they did not give information to credit reporting companies. So, on XX/XX/XXXX I sent TransUnion my first letter asking them to permanently delete this information from my credit profile as this was a Fair Credit Reporting Act violation. 

TransUnion responded with a letter dated XX/XX/2021 saying that they " verified '' the information as accurate and that need more documented proof for the investigation. I then sent the U.S. bankruptcy court a letter asking them to present any information they gave the credit reporting agencies to " verify '' my identity without my permission. They responded with a letter stating that they do not provide any information to third party companies ( attached below ), so it is impossible for TransUnion to properly " verify '' anything. This is also a violation of 15 USC 1681b1 ( 2 ). 

On XX/XX/2021 I sent a second letter to TransUnion showing them proof that the U.S. bankruptcy court did not verify any information with them, so TransUnion is illegally obtaining my private information without my consent. They then responded on XX/XX/XXXX, stating that this information is verified as accurate again. This is a pure violation of my consumer rights. I did not and still do not consent for TransUnion to use the E-Oscar system to " verify '' information, which is what they are doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I called Wells Fargo credit card department stating they reported a credit card on my credit. I asked them to verify using my social security number if there is a credit card account open, the person stated " NO their was not ''. I expressed that I would like to know if this is part of the class action suit with Wells Fargo accounts being opened without the actual owners knowledge. They then said they will send me to the executive credit card department to investigate. I asked again to the next person, they said " NO '' it was not I asked to get the case resolved as soon as possible. I have been 2 month and no resolution.
Product: Credit reporting or other personal consumer reports

I recently received an updated credit report stating that the information was verified. However, I am concerned about the verification process, especially given the discrepancy with my bankruptcy filing. 
Detail how the investigation was conducted, including who you contacted at XXXX XXXX XXXX XXXX XXXXXXXX and their contact information. 
As of today, my credit report still shows the presence of a bankruptcy that has been discharged. However, the fact that it is still being reported is questionable, as I never signed or gave my authorization for this information to be published on my report. To my understanding, this information should not be present in my report. 

Bankruptcy Details : Date Filed/Reported : XX/XX/XXXX Reference Number : XXXX Closing Date : XX/XX/XXXX During my investigations, I found that this data should not be displayed on my credit report without my consent, violating 15 USC 1681g , which mandates that consumers have the right to request and obtain all information in their file. Furthermore, I question the procedures used to report this information, as courts are not permitted to provide these details for commercial purposes. The reporting of a bankruptcy indicates that the court or entity in question disclosed this information without my permission. I disputed this matter but did not receive a response from either the credit bureaus or the court, leaving me with this complaint as my only alternative to resolve the situation.
Product: Debt collection

We purchased a XXXX recliner for XXXX for a XXXX recline on XX/XX/XXXX and also purchased the gold plan XXXX  to cover replacement for damaged or faulty craftsmanship. I used the XXXX  plan to replace the top half of the chair and the company charged me in full again for a new chair and after disputing the charge they still will not remove it. They claim I still owe over {$1000.00} for the chair I have been paying on every month for 17 months and will soon lose the no interest for 18 months promotion. They also will not show the last 12 moths worth of payments I have made towards the chair on their website. They stopped updating payments made in XXXX of XXXX. I feel I have been scammed and no one in the store can or will help and I am at the point of seeking legal counsel if something isnt done to resolve this matter. I refuse to pay any interest on this item that is not even made correctly and I am already having manufacturing problems with the new chair they brought me.
Product: Debt collection

I received a letter from this Alleged Debt Collector Trying to demand a payment of {$330.00}. I'm attaching the letter received as reference, The amount is fully disputed due to the Fact I suffered a Physical Assault by an Employee of the XXXX XXXX XXXX XXXXXXXX around by that time, I was paid by the city of XXXX XXXX property damage, medical expense, The XXXX XXXX XXXX XXXX Forgot to dismiss this False Parking Ticket it was a part of the settlement at that time. 
Thats the reason I want to escalate to the Attention of the CFPB since the Alleged Debtor Harris & Harris LTD 's Fraudulent business Practice is trying to collect an amount of {$330.00} I don't owe to none.