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

I updated my banking information in Cash App on XX/XX/2022. I have a new account and instead of adding the actual routing number and account number, I linked my debit card. At the same time, I cashed out {$970.00} to my debit card. When the deposit did not show up in my bank account I checked Cash App and they had added their own routing number and bank account to my account. So when I transferred the money, they intercepted it with their own bank information. I cashed out to my debit card but the money went to them. I spent hours on the phone and on chats with them trying to get them to help me but they insist it was a valid transfer and are investigating it but will not tell me anything else. They are giving themselves two weeks to cover their tracks. I have not changed the information in my Cash App account so I can have proof of where it went. I have attached two screenshots. One with the Cash App screen with the routing and account number linked and the other is a screenshot of a XXXX search stating that the very same routing number belongs to Cash App.
Product: Credit card or prepaid card

A transaction in the amount of {$290.00} on XXXX from XXXX was drafted from my account. I did not authorize the transaction but I didnt realize it was there for a while. Upon reaching out to chime bank they just closed my card and closed the dispute. They said to prevent more fraud they cancelled it but wont even let me dispute the charge. They know it was unauthorized I do not spend money there at XXXX. I called XXXX and they know it is not paid For any account with my name. I ask you to please do something about this abusive company. They have so many problems with paying me on time and having computer issues its amazing they are allowed to operate. Please make them refund this fraudulent charge. I XXXX XXXX did not authorize this transaction.
Product: Credit reporting

I do not agree with the XXXX. Review the attached documents very carefully please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to resolve this issue since last year in XXXX. I reached back out to Equifax today XXXX and was hunged up on. I disputed fraudulent inquires and incorrect information regarding a account.
Product: Credit reporting or other personal consumer reports

Again, I value the efforts already made to address some inaccuracies in my file resulting from incorrect reporting on my credit report. However, I also repeat that there remain several inquiries and an inaccurate address that require removal. After reviewing my credit report, I noticed persistent inaccuracies that I find problematic. Upon contacting the companies listed below, I requested the removal of these inquiries from their records and the deletion of any associated records with credit reporting agencies. They have assured compliance with my request and the necessary steps for resolution. Nonetheless, I am reaching out to ensure these corrections are fully implemented. The list below details the outstanding inquiries and the inaccurate address that need to be excised from my credit reports : XXXX : XXXX XXXX XXXX XX/XX/XXXX ======EQUIFAX : XXXX  XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ======XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX . As a forthcoming mortgage applicant, I am keen to ensure my credit score accurately reflects my creditworthiness. Enclosed with this communication is my updated FTC report, numbered XXXX. I request a comprehensive report on your findings within the next 30 days, anticipating prompt resolution to this matter.
Product: Checking or savings account

i am having a dispute with Cash App, this company allowed a fraudulent bank account to be added to my cash app account which allowed a unknown individual to gain access to funds that were deposit in my account.I informed them of this fraudulent account providing them with proof that I for one never received the monies in the correct account and that account does not belong to me. They Claimed they did a thorough investigation and the funds were authorized by me or another party. I submitted proof to them that i only do business with one bank and provided them with numerous transaction coming from this one particular account. And that fraudulent account isnt me because i have never did any business with this bank and I am not aware of this account and I also ask them to provide me with legal documentation that I am a authorized user on this fraudulent account. which they have not provided as of yet and keep denying my claim for my money to be refunded and they need to report this fraudulent account to the proper authorities, when it they clearly states they can provide me with the information.I had to remove the fraudulent account from my cash app account. Their customer service dept have done nothing to assist me in returning the fund into the correct account belonging to me after many request to do so. please assist me in handling this matter..
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, Date of Birth- XX/XX/XXXX, SSN # : XXXX, my current address is XXXX XXXX XXXX , XXXX , OH, XXXX. Please remove addresses that doesn't belong to me : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX. My current phone number : XXXX. Please remove phone number that doesnt belong to me : XXXX.This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Please delete/remove the following unverified accounts : 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 etc, XXXX   XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 23. Back financial loss, and I seek appropriate redress for these violations
Product: Credit reporting

I have repeatedly requested information/validation on this debt bearing my signature and have not received anything starting that I owe this company any money. They have repeatedly responded stating that they have investigated and verified the validity of this debt and do not allow me to dispute their claim. I have never done business with Macys, never signed a contract, nor do I owe them any money.
Product: Payday loan, title loan, or personal loan

I was browsing my XXXX  XXXX site and it shows that I have an open account with moneylion that I never applied for and it's affecting my credit and I never received the money at all because I never applied for this loan. So please HELP
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly 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, Experian 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. 

XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am going to send a screenshot of my XXXX XXXX XXXX credit report it has the negative items affecting my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the accounts, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Late Dates XXXX, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX XXXX XXXX Late Date XX/XX/XXXX
Product: Checking or savings account

On XX/XX/2020, I attempted to complete an ACH transaction on a recently opened account. I called customer service BMO Harris at XXXX. CSR who took the call asked me verification questions. I was unsure of the last question regarding a XXXX XXXX that I previously owned. The question was regarding the year of the XXXX XXXX. I was unsure of the answer because I previously owned and no longer own a XXXX XXXX. While I was thinking of the answer the CSR selected none of the above. This resulted in failed verification and the CSR told me I would need to come into the branch for BMO Harris. I then asked her for a manager and she subsequently hung up on me. I then called BMO Harris again at the same phone number and the call was disconnected. I called the same phone number and spoke with XXXX and she informed me that the verification questions were answered incorrectly and that I would need to walk into a BMO Harris branch for verification. XXXX then transferred me to XXXX who repeated that I would need to come to a BMO Harris branch because I was within the footprint of a BMO Harris branch. I was very confused by  what the word footprint meant. I advised XXXX that I was currently in the State of New York for an undetermined period of time and was concerned about COVID-19. XXXX then placed me on hold for a very long time ( more than 5 minutes ). When she came back on the phone, she did attempt to assist with the online banking process but repeatedly told me I needed to come to a branch to verify my identity even though the previous customer service representative failed the verification process in error. I am in the New York area for an undetermined period of time and do not know when I will return to the XXXX area to enter a BMO Harris. Given the circumstances with COVID-19, I dont think anyone human wants me to enter a BMO Harris bank. In addition, XXXX suggested that I enter a XXXX XXXX XXXXXXXX in XXXX to perform my banking transaction. To the best of my knowledge, only essential workers, such as doctors and nurses, may enter XXXX for the short term and possibly the long term. There is no BMO Harris bank anywhere near my current location in XXXX New York. We ended the call with no resolution provided by BMO Harris.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am constantly receiving SMS text claiming to be from a variety of different things including Equifax, something supposedly from FDIC and other fraudulent text that have links associated with them. I do not click on them. I have reported them to my provider XXXX multiple times and they just keep coming. I recently had a fraudulent charge made to my bank account for only XXXX and I reported it and canceled my credit card etc. However I am concerned that even though I block these text messages, they just create a new msg and use a different phone number. However these scams all have something in common. They send a link which would redirect my phone or download something if I clicked on it. When I do a reverse phone number background check from the perpetrator it is never a legitimate phone number associated with the company they are purporting to be. How do I make this stop and assure my safety from these scams?
Product: Credit card

I receive a letter dateXXXX XXXX from Bank of America in reference to account number ending in XXXX saying I made a dispute on my account. I did not make a dispute with Bank of America nor any of the consumer reporting agencies regarding my account. I simply made an over the phone inquiry as to why a payment I'd made on time was reported late. I later discovered via the letter dated XXXX, Bank of America reported the payment I made on-time to the reporting agencies as late. This has cause my credit score to drop and me great stress. Bank of America is alleging in the letter they are reporting accurate information. However, they are doing the very opposite because I made the payment on-time.
Product: Debt collection

I was sent a bill by this company, that I knew I did not owe. It was for an ambulance bill, that I know was finally paid by both Insurance companies after awhile. 

Continued threats and arrest if we did not pay when we had already supplied proof of payment by insurance. Would not let up and reported on my Credit reports as a negative. 

I had to finally sue in Federal Court in XXXX XXXX, and received a default judgement because the collection company never answered any correspondence from my attorney 's or from the Court. 

Now unable to collect judgement since they hide behind closed locked doors and say they have never been served with court documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX ( XXXX ) has violated my rights. I want to emphasize that I never actually occupied the apartment for which I am being unjustly charged. Despite this, the apartment 's cost is affecting my credit report, and I have made multiple attempts to contest this with the relevant company. Their assertion that we reached a resolution is false, as no agreement was genuinely reached. I insist that the {$8300.00} collection by XXXX XXXX XXXX XXXX be promptly eradicated. The basis for this demand stems from fabricated claims of tenancy, as I never moved into the apartment. It's critical to note that no evidence has been presented to validate my occupancy there, despite my repeated requests for such proof. The actions of XXXX XXXX XXXX not only involve fraudulent activities but also jeopardize my well-being due to the unwarranted credit report, which is the sole obstacle preventing me from securing a safe living space. 

XXXX XXXX XXXX XXXX XXXX  ) has egregiously infringed upon my rights by incorrectly reporting 12 instances of late payments. This erroneous reporting has had a significant negative impact on my credit score, thereby impeding my ability to secure housing and obtain credit. Notably, this pertains to a school loan, which by its nature should not have been disclosed publicly without my explicit consent. Furthermore, given that I was actively enrolled in school during the relevant period, my loan should have incurred a XXXX monthly payment. 

I engaged in a conversation with a representative from XXXX XXXX who advised me to initiate a dispute in order to rectify this situation. I was assured that the late payments would be rectified and the account would be restored to good standing, rather than having 12 late payments inaccurately reflected on my credit history. I beseech that these unwarranted late payment entries be expeditiously expunged from my credit report. It's essential to underscore that my debt has since been consolidated and is no longer associated with XXXX XXXX 

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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I HAVE RECEIVED A GARNISHMENT AGAINST MY WAGES THAT DOES NOT BELONG TO ME. I HAVE ATTEMPTED TO OBTAIN A RELEASE FROM THE GARNISHMENT, BUT, THE COMPANY NAMED ON THE GARNISHMENT ( ACTION FINANCIAL SERVICES LLC ), WHEN CALLED, REFERRED ME TO ANOTHER COMPANY, XXXX XXXX LOCATED AT XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX. I HAVE BEEN UNABLE TO RESOLVE THE MATTER ON MY OWN, THEREFORE, PERHAPS I MAY OBTAIN ASSISTANCE FROM YOUR AGENCY. A COPY OF THE GARNISHMENT IS ATTACHED. 

THANK YOU.
Product: Credit reporting or other personal consumer reports

Dear LexisNexis, I am writing to inquire about your data sharing practices with credit reporting agencies, specifically the three major bureaus : XXXX, XXXX, and XXXX. 

I understand that LexisNexis collects public record information on individuals. I am interested in knowing if this data is routinely shared with these credit bureaus. 

If you do share public record information with credit bureaus, could you please elaborate on the types of data that are typically included? 

Thank you for your time and clarification on this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/17 my checking account with Huntington Bank had an unauthorized charge was stolen by XXXX XXXX. I had no agreement, contract, or authorization for him to charge my account. 

I cancelled the transaction with Huntington Bank and was refunded the amount. 

XXXX XXXX has come up with a very elaborate story " affidavit '' about way he stole the money. This is not an agreement with me. Huntington Bank has now took the transaction back based off this. And now my checking account is in the negative.
Product: Debt collection

This company, Credit Collection Services ( CCS ), is constant harassing my person true phone calls and text msg trying to collect a sum of money or debt I do not own them or any other company .... 

FROM NOW ON ANY COMUNICATION TO MY PERSON FROM PART OF THIS COMPANY NEED TO BE DONE VIA MAILING LETTERS TO MY ADRESS AND OR THE CFPB WEBSITE. 

I never had or have any business with Credit Collection Services ( CCS ) and there over I do not own them any sum of money... 

Credit Collection Services ( CCS ) is using my Name and last Name with out my consent, Credit Collection Services ( CCS ) is using my Social Security Number and my phone number with out my permission.
Product: Credit card or prepaid card

Although getting charged extra at certain stores does happen from time to time, this complaint is predominantly about random adults hacking my online account to view my personal business, and when it's " convenient '' to them, they alter the transaction name. For example, I donated XXXX dollars to my XXXX School Program. A XXXX freaked out, so he or she hacked my American Express Serve online bank account and removed XXXX. Why? And how can these people get away with this? My account is " secure. '' This is unlawful. Another emethical act these people like to do is PRETEND they made a deposit that " I '' really made. Deposits are now hidden. I have to click VIEW MORE TRANSACTIONS to see my deposits. Why? 
In conclusion, please make AMEX keep these haters OUT of my business. 

Thank You, XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Hello, Somebody attempted to open a credit account with my details ( SSN, NAME, ADDRESS ). I had a hard inquiry done on my credit that's how I found out about this. XXXX sent me the notification that a hard inquiry was done. The fraudster tried opening the card with XXXX  XXXX bank. I called XXXX XXXX and they directed me to this website to report the fraud. They did cancel the card the fraudster tried to open and mentioned they will be investigating the fraud. They also provided me with resources on how to protect my identity. 

Below is the inquiry that was done HARD INQUIRY REPORT : ( XX/XX/XXXX TO XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA, XXXX PHONE NO : XXXX
Product: Mortgage

Paramount Residential Mortgage Group manager XXXX XXXX constantly bombarded me with the idea that he could get us approved for a mortgage with no problems. He initially gave us a preapproval for $ 300+.  Even after reviewing our information he said we would have no problem closing. Then he pawned us off on a young kid who literally did nothing for us. He never returned our phone calls, or to our realtor. He blew off my concerns and assured me we would close on time even though he was not consistent with communication. Nearing our closing date he told us we would not be able to close on the initial date we agreed upon. Weeks go by without communication again and finally he states my credit is no longer sufficient. This is after he does multiple hard inquiries! As it turned out, I paid a couple credit cards too early and they were considered not paid in the correct statement period. I contacted each company to resolve this on my credit and they agreed to do so. However, without my permission, Paramount decided to disclose my credit history to the sellers realtor and stated " I do not pay my bills, so find a new buyer '' ... Then they killed my loan. They also NEVER told me any of this, so I thought my loan was still in process! The sellers realtor let my realtor know via email the context of conversation between her and MY lender. I am now out {$700.00} earnest money, {$700.00} appraisal fee and the loss of the house and my realtors commissions. And the sellers in turn lost the home they were purchasing as well. 



Paramount Residential Mortgage Group - XXXX XXXX. 

Address : XXXX XXXX XXXX # XXXX, XXXX, OH XXXX Phone : ( XXXX ) XXXX
Product: Debt collection

PORTFOLIO is claiming an account on my credit that is not mine. The account number is XXXX, this account was opened on XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

someone had my information not sure but i'm blocked from getting online with all the credit bureaus