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

I am expressing my issue regarding Cashapps handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using CASHAPP numerous times and reporting discrepancies, CASHAPP failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Cashapp has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scam. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. Below I will list the numerous transactions Ive had issues with and have rises concerns about. 
XXXX XXXX {$190.00} XXXX XXXX {$360.00} XXXX XXXX XXXX XXXX {$410.00} XXXX {$71.00} XXXX XXXX {$17.00} XXXX XXXX {$19.00} And these are just within 5 months I could go on and on about the lack of urgency in this matter and cashapp by square complete dismissal
Product: Credit card

I returned 5 items back to XXXX. They received each of them XXXX. They resisted them in XXXX but never credited my account.
Product: Debt collection

I wrote a detailed letter to Midland Credit Management asking to validate my debt and provided several items needed to validate the debt. I requested them to stop all forms of contact except through written as well as not reporting on my credit account until the debt was validated. I then received a letter after months of hearing nothing back that answered none of my requests and regurgitated the initial request for payment, and then they proceeded to report the debt on my credit report.
Product: Checking or savings account

I have deposited XXXX in Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX on XXXX, and when I tried to withdraw this money in the same bank in XXXX XXXX on XXXX, I was informed by the branch manager of XXXX XXXX, that this deposit couldnt be located in Wells fargo. 

Firstly the manager asked me to check with claimit.ca.gov if this money has been took by state government as unclaimed property, and I checked and there was nothing found. 

And then I also tried to call the XXXX XXXX XXXX XXXX where I made the deposit, the lady received my call and she also said she could not find my deposit because I dont have the account card. I told her that I am very sure I havent got any card when I opened new account. And she told me the original banker who received me to open the account is not anymore working in the bank so she could not help me. 

Then I tried to write e-mail of complaint to federalreserveconsumerhelp.gov, and I was replied to go to CFPB for help.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are quite a few hard inquiries that I didnt request/submit, here are the names of the companies for the inquiries : XXXX XX/XX/2017 SCRNG RPTSXX/XX/2017 XX/XX/XXXX-XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX- XXXX XX/XX/2017 XXXX XXXX XX/XX/2017
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear ACCT RES CRP, I am writing to address a serious violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Missouri Revised Statutes under Sections 367.010 and 367.020, and identity fraud laws, specifically Missouri Revised Statutes Section 570.020.

It has come to my attention that ACCT RES CRP has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law, specifically Section 367.010 of the Missouri Revised Statutes, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 367.020 of the Missouri Revised Statutes establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws, such as Missouri Revised Statutes Section 570.020, underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for ACCT RES CRP to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that ACCT RES CRP immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 367.010 and 367.020 of the Missouri Revised Statutes. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Missouri state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that ACCT RES CRP will promptly rectify these egregious violations, respecting my rights under federal and state laws.

Done in good faith.
Product: Money transfer, virtual currency, or money service

From XX/XX/2024, to XX/XX/2024, unauthorized transactions occurred in my Robinhood trading account. An unknown individual ( s ) remotely accessed my computer and used it to initiate internal transfers from my XXXX  Checking account to my Robinhood trading account. These transfers were used to purchase specific stocks ( XXXX, XXXX, XXXX, XXXX ) associated with a known " pump and dump '' scam.

The total amount lost from Robinhood is {$52000.00} and these transactions were conducted without my consent or knowledge. The fraudulent activities resulted in significant financial loss due to the devaluation of the purchased stocks. 

Upon discovering the unauthorized transactions in XX/XX/2024, I immediately reported the issue to Robinhood. Robinhood acknowledged the report and initiated an investigation into the fraudulent activities. However, I have yet to receive any resolution or reimbursement for the losses incurred. 

I am seeking the Consumer Financial Protection Bureau 's assistance in resolving this matter, as the unauthorized access and fraudulent transactions have caused significant financial and emotional distress. I request a thorough investigation and appropriate action to recover the lost funds and prevent such incidents in the future. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

Dispute of Late Payment Reporting Violation of 15 USC 1666b Dear Sir/Madam, I am writing to formally dispute the late payment reports on my credit report associated with my mortgage account under your servicing. It has come to my attention that these late payments are inaccurately reported, and I believe they were incorrectly processed due to non-compliance with applicable laws, specifically 15 U.S.C. 1666b ( a ) and 1637 ( b ).

Under 15 U.S.C. 1666b ( a ), a creditor may not report a payment as late unless they have adopted reasonable procedures to ensure that each periodic statement, which includes the disclosures required under 1637 ( b ), is mailed or delivered to the consumer no later than 21 days before the payment due date. After reviewing my records and correspondence with your company, I have found that XXXX XXXX XXXXXXXX has failed to provide the required periodic statements with the necessary disclosures in a timely manner. 
I have previously requested proof from XXXX XXXX XXXXXXXX that the statements, including the necessary disclosures, were mailed or delivered at least 21 days before the due dates of my payments. This request was made in good faith under XXXX XXXX, but no proof has been provided to date. Without these disclosures being sent in compliance with the law, any reports of late payments are, in my view, both unfair and unlawful. 
Specifically, I have always made my mortgage payments on time and have never missed or been late with payments for the following months 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 request that you immediately correct the inaccurate reporting on my credit report by removing any late payments associated with these months. Given that XXXX XXXX XXXXXXXX did not comply with the legal requirements for timely delivery of periodic statements and disclosures, I am requesting that these late payments be deleted from my consumer report to resolve this issue. 
If the information is not corrected or I do not receive a satisfactory response within the statutory timeframes, I will consider further actions, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and exploring additional legal remedies. 
Thank you for your prompt attention to this matter. Please provide a written confirmation once the necessary corrections have been made. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company chose to charge off this account after my becoming ill with XXXX XXXX, having XXXX for an injury that included losing my job. I tried several times to ask for leanasee when account was active. They sold the vehicle never sent me notification of how much it was sold for at auction.

They then reported wrong amount owed at the highest price to destroy my credit. Instead of reporting the actual amount that I paid towards the vehicle while in my possession. Now 3 yrs. Later they are harassing me and my credit by continuing to report a debt that I no longer owe to the 3 credit agencies at inconsistent times and dates of reporting actions and continue including the inaccurate information of them agreeing to taking the loss by charging off this account. Santander Consumer USA continues to damage your life and credit. This is unfair business practice and needs to be stopped.

Why should I need to file a bankruptcy on XXXX. That's purposely not correct and deceiving. 
Please do not allow this to company to continue its harassment on me the Consumer.
Product: Payday loan, title loan, personal loan, or advance loan

My balance is now XXXX and it keeps going up and I told him to drop that cuz I couldn't afford that every time they try to take money out it keeps going up
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SEVERAL XXXX ACCOUNTS ON RECORD AND NEED TO CHECK THEIR DATABASES TO LOACTE ALL ACCOUNTS AND THEN ASK XXXX TO CONDUCT AN ACCOUNT REVIEW MAKING THE REPORTING PRPERTLY DONE SO.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance Owed : {$6800.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$400.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$400.00} ;
Product: Credit reporting or other personal consumer reports

I hope this complaint finds you well. I have tried numerous times over the years especially the past year to have the credit bureaus accurately verify my account. They keep sending emails about the dispute being accurate. They have NEVER provided me PROOF of ANY documentation that proves these alleged accounts belong to me. Between all three bureaus there are countless violations. As a consumer under my federally protected rights, I have NOT given any company, or persons written instructions or verbal permission to list these alleged accounts. THAT IS A VIOLATION ACCORDING TO 15 U.S.C 1681b.

I will not keep putting up with these violations and will be seeking litigation in a small claims court against your company, seeking {$1000.00} for EACH violation for EACH month for DEFAMATION, NEGLIGENT ENABLEMENT OF IDENTITY FRAUD, VIOLATIONS FOR THE FAIR CREDIT REPORTING ACT, FINANCIAL INJURY, PENALTY OF PERJURY ( 18 USC 1028 AGGRAVATED IDENTITY THEFT ), VIOLATIONS OF 15 USC 1692g, 15 USC 1692a ( ABUSIVE PRACTICES ), 15 USC 1681b ( PERMISSIBLE PURPOSES OF CONSUMER REPORTS ), 15 USC 1681 4A B2 ( MISLEADING FALSE REPORTING ), 15 USC 1666b ( TIMING OF PAYMENTS ).

I hope this issue can be resolved PROMPTLY!
Product: Credit reporting or other personal consumer reports

Subject : Failure to Conduct a Manual Review of Dispute as Requested Use of XXXX  System Summary of Issue : On XX/XX/year>, I filed a dispute with Experian regarding inaccurate information on my credit report. I explicitly requested a manual review of the disputed information due to the complexity of the inaccuracies and submitted highlighted copies of my credit report with the incorrect information clearly marked. However, Experian processed my dispute through the XXXX system rather than conducting the manual review I requested, which violates my right to a proper investigation. The response I received from Experian was unsatisfactory, vague, and did not address the specific questions I raised. 

Experian Response : Experian used the XXXX system to electronically send a notification of my dispute, including a summary of relevant information, to the furnisher of the disputed information. In their response, Experian stated : THE FURNISHER REVIEWS THE INFORMATION PROVIDED, CONDUCTS AN INVESTIGATION WITH RESPECT TO THE DISPUTED INFORMATION, AND REPORTS THE RESULTS BACK TO US ELECTRONICALLY ... EXPERIAN MAY USE A BUSINESS VENDOR TO OBTAIN THE MOST RECENT FILING FROM THE PUBLIC RECORD SOURCE. 
This response failed to address my specific request for a manual review, and Experian provided a generic response about their standard procedures rather than directly answering the questions I posed.
Product: Credit card

I noticed there were some unauthorized inquiries on my credit report therefore I reported it to TransUnion but as of today no action has been taken i need them removed asap. 
Name Requested On XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XX/XX/2023 XXXX  XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023, XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX  XXXX XXXX XX/XX/2023
Product: Mortgage

On Tuesday, XXXX XXXX at XXXX XXXX ( PST ) I spoke with representatives from XXXX XXXX XXXX at New American Funding. I called to make a payment in full for the month of XXXX for the amount of XXXX. New American Funding Refused to receive my payment in full. 

I started the process of Loan Modification in XXXX of XXXX. I was out of work for XXXX and XXXX of XXXX and had fallen behind on my payments. In XXXX of XXXX, I started making payments again, but could not catch up. It was only in XXXX that they informed me of the Loan Modification process.My application for Loan modification was completed on XX/XX/XXXX. The application is still being reviewed with the underwriter. 

I had scheduled a payment to be drafted for my account on XX/XX/XXXX, on XX/XX/XXXX. I informed the agent that I was anticipating a tax refund and would it be ok if I called before the XXXX to make an additional payment. The agent scheduled the XX/XX/XXXX payment and told me I could call whenever to make the additional payment. 

When I phoned on XX/XX/XXXX, to make an additional payment in full they refused to accept and said they could only accept {$4000.00}. I told them I was less than 90 days behind and they had to accept a payment in full, they still refused and said they were following investment guidelines. 

I understand that they misrepresented guidelines and refused a payment in full, which has created great hardship for me.I am a single mother of XXXX and I am the sole source of income for my family.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your XXXX. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XX/XX/XXXX : Equifax XXXX XX/XX/XXXX : Equifax XXXX XX/XX/XXXX : Equifax The following inquiries were not authorized and should not be reporting.
Product: Mortgage

( 1 ). My original loan on the the house I purchase was a predatory loan. 
( 2 ). At the original closing, the monthly mortgage was established on income from the previous state of residence, not the present state of where the house resides, where we are now. 
( 3 ). At closing the interest rate was in increase unexpected at the last minute / at the closing table to me the buyer. I was forced to take the offer coming from the State of XXXX to XXXX or be homeless. There was no family to rely on in the new state. All my furniture was setting in front of the property with no where else to go or be homeless. 
( 4 ). My loan was out side of the 31 % guideline mandated by federal standards after several modification attempts to lower the monthly mortgage payment. 
( 5 ). XXXX XXXX / Mortgage company waited a whole year before establishing escrow on the loan after modification, abruptly increasing the monthly payment to an additionaI {$600.00}. Escrow should have been calculation from the onset of the loan. 
( 6 ). Previous modifications never really made mortgage affordable, only a {$20.00} reduction in payment, so escrow arearages, interest, penalties, late payments made it very difficult to make the monthly mortgage, forcing possible foreclosure a present. 
Have supporting documentation of above issues
Product: Credit reporting, credit repair services, or other personal consumer reports

see attach proof that XXXX  using unlawful FCRA violations documents will show the actually before
Product: Debt collection

I inver recvd notification of the debt or a right to dispute the debit. Once I found out about it I paid the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around two months ago I disputed an Account on my Experian credit report. They told me they verified the account but then I looked at the status updated date XX/XX/XXXX it had not changed. They told me to contact the furnisher of the information. I wrote the furnisher which is XXXX XXXX. I point out to the company that the account was inaccurate and incomplete. I let them know there was two different dates the account opened XX/XX/XXXX and XX/XX/XXXX. I let them know the report showed I was 180 days late and 120 days late. I asked them to validate the account which is my legal right. Everything I asked and waited over 45 days no response. I wrote Experian back with the certified letter that I mailed to the furnisher and included the certified mail green card attached to the furnisher 's letter to illustrate my request and the time frame of over 30days. Instead of Experian stop reporting the account they still continue to report it. Also I have very strong supportive evidence I will upload with this complaint that neither XXXX or EXPERIAN updated the consumer report in the " COMMENT SECTION '' CONSUMER DISPUTES ACCOUNT! Which I believe is at least for EXPERIAN a direct VIOLATION of laws they are governed by in FCRA. I am currently trying to apply for a home loan and EXPERIAN never investigated this account because status update has not changed since XX/XX/XXXX XXXX
Product: Debt collection

XX/XX/XXXX I HAD NO VERIFYING QUESTIONS. USAA DELETED MY PROFILE CLAIMING THEY COULD NOT VERIFY ME ANYMORE AFTER 35 YEARS OF VERIFYING ME. XX/XX/XXXX USAA tried to take advantage of my age & disability tricking me into sending them my drivers license to RECOVER MY PROFILE they claimed. USAA OPENED AN ACCOUNT IN MY NAME I DID NOT OPEN. THEY CLAIM IT WAS OPENED BY PHONE WITH NO VERFYING PHONE NUMBER OR VERIFICATION IT WAS ME XXXX. USAA NEEDED MY DRIVERS LICENSE TO VERIFY I OPENED THE ACCOUNT. I SAW WHERE THEY WERE GOING WITH THE SUDDEN REQUEST OF MY LICENSE AFTER 35 YEARS. I DEMANDED USAA PUT THE REQUEST IN WRITING WHY AFTER 35 YEARS VERIFYING ME USING MY PROFILE I WOULD NEED TO RECOVER MY PROFILE. USAA REFUSES TO REQUEST THIS DOCUMENTATION IN WRITING. WONDER WHY IF SO NEEDED? USAA NOW SAYS THEY DO NOT NEED THE LICENSE SINCE THEY WOULD HAVE TO PUT THE REQUEST IN WRITING. HUH? I DO NOT TRUST USAA. I AM AFRAID OF THEM AS I WOULD BE A CRIMINAL. USAA PROVIDED FRAUD CREDITS {$460.00} XX/XX/XXXX FROM FRAUD OF XX/XX/XXXX. TWO YEARS LATE!! XXXX USAA DESTROYED MY EXCELLENT CREDIT COLLECTING ON THIS ID THEFT. I WILL NOT ALLOW MY HEALTH TO BE DESTROYED FROM USAA ABUSE AFTERMATH OF THE LACK OF ID FRAUD THEFT RESOLVE ANYMORE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unfortunately, I could not choose multiple answers. Therefore, these are the problems listed below for the 1. XXXX increased my student loan payments from {$60000.00} to XXXX XXXX  with an initial repayment plan of {$200.00} a month but changed it to {$890.00} prior to the end of a forbearance which was not affordable, contained incorrect owed amount or feasible for a non-working individual that was directed into forbearance 2. Percentage rates quadrupled during the forbearance 3. There is no indication of the origination of the student loans.

4. The amount owed is extremely higher than it should be 5. There are charges for XXXX  College that should have been removed due to the school closing prior to earning a degree.

6. Multiple loans reports on the credit report that are not accurate 7. Their credit reporting practices have caused my credit score to plummet 100 points causing undue hardship to me and my family.

8. I am a XXXX veteran that is requesting full forgiveness or discharge of all of the reported student debt.
Product: Debt collection

Received letter from XXXX and associates stating they were debt collectors and I owe a debt to Sapientes Funding II LLC which I have never heard of. I would like to know if this is a scam. The letter stated the debt is from XXXX  in the amount of {$850.00}. Did not know if I should respond to the company or not.
Product: Mortgage

Wells Fargo mortgage in XXXX sent payments totaling XXXX XXXX they said they never got and foreclosed on the house
Product: Debt collection

This phone number XXXX uses different area codes to contact me. No voicemail is left. 

I looked up the number and states Midland Credit Management. I don't who they are. I am afraid to call in case this is a fraudulent phone call.
Product: Credit reporting, credit repair services, or other personal consumer reports

This regional debt on my report, states charge off written off. I submitted proof that we paid XXXX the collection company for regional. And payed whole amount asking for and my information and letter stated so. I want this status as paid as agreed, for we did exactly that. And my dispute did nothing of the sort. Remained completely the same as far as I see!