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

Someone through cashapp committed fraud with my XXXX  account XX/XX/year> - XX/XX/year> and took a total of {$3700.00} out of my XXXX  checking account by creating a XXXX  account and added a new payee list of names to gain access to my XXXX  account, transferred my money out my savings to my checking and then withdrew finds in {$100.00} increments at first and then {$500.00} and {$1000.00}. Someone by the name of XXXX XXXX and XXXX XXXX committed this fraud. I filed a police report and closed all my accounts, changed my email address and changed all oun numbers to all my accounts. The hackers even opened up new accounts in my name with another bank. My email address associated with cash app was XXXX but has been changed. Cash app committed fraud!
Product: Credit card or prepaid card

My credit card along with the associated PIN number was stolen and purchases were made for over {$800.00}. I have to write down certain information as I have a XXXX and take medication that makes me forgetful and I feel Im being unfairly punished by capital one and forced to wait for them correct a problem that I reported to them right away once I realized what had happened because of it. I spoke to a representative who told me she would change my PIN number which Im extremely worried about because now I dont know what it is but I dont think she did and they also wont replace my money thats now gone.
Product: Checking or savings account

On Friday XX/XX/2022 I received an alert regarding my PNC Bank Savings Account in which a check was provided for payment in the amount of {$2000.00}. My savings account was over drafted due to this fraudulent activity. What is most concerning is that the check is coming from The XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX and is made payable to XXXX XXXX. This check fraud because it has my savings account number on the bottom of the check. I have never in my 40 years of being a banking customer had checks under my savings account. This the 6th time that my bank account with PNC has been targeted for fraud. I have been informed numerous times that my accounts are on high fraud alert, and I just don't understand how this problem keeps happening with no consequences to these fraud thieves. I have taken all the necessary precautions to protect my credit and my bank accounts personally and the problem hasn't been solved. I am currently still waiting to get my money back from a previous dispute regarding a check that was cashed for {$2000.00} back in XX/XX/2022, and now this other fraudulent transaction happens again, and I am left with once again going through the dispute process and bank account changes. Your attention to details on this matter is crucial and needs to be properly investigated.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Navy Federal Cr Union $ in XXXX, {$26000.00}. I have reached out to Navy federal in regards to these fraudulent accounts. I have inform this company of my identity theft. No results have been made. This is violating the fair credit reporting act. Im requesting your assistance with having these accounts deleted from reporting to my credit
Product: Vehicle loan or lease

I applied for a auto loan with carmax on XXXX  they ran my credit with multiple hard inquiries and denied me after the advertise said everyone can get approved I spoke to the financial department and they told me I had to give XXXX down payment in order to loan a vehicle or the other option would be to get someone to co-sign for me, they discriminated me because of the false reports on my credit and lied about their advertising.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I closed a savings account at US BANK on XXXX. The balance of {$41.00} was returned in a check. I was also having auto-withdrawal from my primary checking account from my local bank deposited into this savings account, I signed paperwork on XXXX, a Thursday, to stop payment on those {$15.00} deposits into my US BANK account. The deposit went through on the following Monday, XXXX to the closed US BANK savings account. I waited for the return of the {$15.00} until I called US BANK and was told it was " bounced back '' to my original home bank. They never received it & suggested asking the US BANK for a tracing number, which I was given. My home bank investigated the tracing number and found it was returned to them without a name or account number so it was returned back to US BANK.An investigation was started by US BANK over the {$15.00} dollars. I made three separate phone calls on XXXX requesting instructions on how to fill out the claim form. I faxed the form they sent, the form I signed at my home bank and a sign statement from my home bank explaining what happened on my home bank 's end and why my {$15.00} was " bounced back '' again to US BANK. I don't know what else could prove the money never returned back to my account. I received a letter today, XXXX, stating my claim was denied. I have called the US BANK more times than I could remember to document but always got the same answer, the money came back to me when it did not. I don't know what other recourse I have other than reaching out to you for help. Why would I make up something over {$15.00}? I am XXXX & have little access or understanding where/who can help. {$15.00} is a lot for me.
Product: Checking or savings account

This is the third complaint I filed against this company, and they still refuse to provide an answer/solution ( Please see XXXX and XXXX ). Although I understand the process behind the garnishment process, Discover has failed to explain the fact that they did not notify me of the garnishment, effectively denying me the opportunity to challenge the garnishment before the funds left my account. I never received any notifications, only an email indicating that an official check had been issued. It turned out that the garnishment order was illegal since it was based on a fraudulent tax return and I am now fighting to try to get those funds that were illegally released by Discover. This is the last attempt I am making to ask to discover to recall said funds, since they failed to properly notify me of the garnishment, thus denying me the opportunity to address this issue before the funds left my account. Discover must recall the funds from the state of California since it released them pursuant to an invalid and illegal garnishment order. This is my last attempt before filing a lawsuit.
Product: Debt collection

I summited 4 rounds certified verification letters FCRA SECTION 609 ( a ) ( 1 ) ( A ) to ( XXXX XXXX, XXXX, XXXX ) and a debt collection verification letter certified to NATIONAL CREDIT SYSTEM certified letter sent to XXXX XXXX XX/XX/XXXX. AMOUNT OF UNVERFIED DEBT {$2600.00} CERTIFIED LETTER SENT TO XXXX ON XX/XX/XXXX CERTFIED LETTER SENT TO XXXX  XX/XX/XXXX DEBT VERIFICATION CERTFIED LETTER MONTH OF XX/XX/XXXX TO NATIONAL CREDIT SYSTEM. I DID NOT GET A RESPONSE FROM THE DEBT COLLECTOR ON THIS UNVERFIED " DEBT '' ALL THREE AGENCY SENT " VERIFIED '' AS A RESULT OF THE VERFICATION I SUMMTITED SECOND ROUND OFLETTERS TO ALL THREE AGENCY ( XXXX, XXXX, XXXX ) IN THE MONTH OF XXXX THE RESULTS WAS THE SAME " VERFIED '' I SENT A THIRD ROUND OF VERIFICATION LETTERS AS WELL AS METHOD OF VERIFICATION TO ( XXXX XXXX, XXXX XXXX ) IN THE MONTH OF XX/XX/XXXX AND AGAIN IN XX/XX/XXXXAND NEVER HEARD BACK FROM ANY OF THE CREDIT AGENCY.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXXXXXX XXXX XXXX XXXX pulled my credit report due to a system glitch and mistakenly recorded my credit score as XXXX instead of my actual score of XXXX. As a result, they reduced my credit limit by over {$7000.00}. This action significantly impacted my credit utilization ratio and caused my credit score to drop by XXXX points. I petitioned XXXXXXXX XXXX  to correct this issue, but they informed me that they could not reverse the decision or update my account. 

In XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX account was closed after XXXX ended its partnership with XXXX. This closure resulted in the loss of another {$8000.00} in available credit. XXXX did not provide a clear online payment method, and I received calls from what seemed like foreign representatives, which raised concerns about legitimacy. I requested a mailed statement to set up a payment plan, they never sent me anything. I contacted XXXX and they assured me it would NOT be marked as late, the XXXX after making my first payment, XXXX marked the account as delinquent. This delinquency lowered my credit score by another XXXXXXXX XXXX  ( It was XXXX before I was able to find a trustworthy method of payment. Even still, their records of my account number did NOT match up with the cards I had! ) On XX/XX/XXXXXXXX XXXX XXXX my XXXXXXXX XXXX XXXX  which I have held in good standing for over nine years, reduced my credit limit by {$9000.00}. This change occurred without any warning or valid explanation, further damaging my credit score. When I contacted XXXX, they were unable to reinstate the credit limit, leaving me at risk of losing another XXXX points on my XXXX XXXX. 

These combined actions have caused a severe domino effect on my financial stability and creditworthiness, with my score dropping from XXXX to an estimated XXXX in less than a year. This situation is largely due to errors, poor communication, and mishandling by these companies, despite my history of responsible credit use. 

I am seeking assistance to resolve these issues, restore my accounts and credit limits, and correct the inaccuracies on my credit reports.
Product: Vehicle loan or lease

I got a XXXX XXXX XXXX XXXX in XXXX and lost my job. Became XXXX, had my car repossessed, fought to get it back. They wouldnt lower my payments because they said I was obligated to pay the amount. Took me 5 years to pay it off
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is An account on my transunion report. Doctors office agreed to delete from my report once it was paid. I have disputed several times. And I have provided proof that the account was paid. Get this account off of my report!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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: Credit reporting, credit repair services, or other personal consumer reports

I have wrong information on my credit report. 
My name is mispelled and have wrong addresses listed. 
I have written a letter a few years ago about this matter and nothing has been corrected. 
There is also misinformation about delequencies when payments were made. I disputed the negative information and they had XXXX day to investigate.
Product: Debt collection

15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. 

I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I XXXX Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists. 

I am human. There is no XXXX party involved. I never have any written consent or verbal to have this on my credit profile. Remove the accounts. 
Remove Following Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had two suspicious collections appear on my credit report. I flagged it, and two of the three bureaus removed it after investigation. XXXX refuses to remove it, but has failed for several months now to show ANY proof of the debt. I have repeatedly filed disputes and asked them to get anything from the debt collector that shows a legitimate debt. They respond with nothing other than saying the debt collector says that its real. But no proof of any kind with my signature. Once again, it has been several months, and its affecting my ability to buy a house. I warned them that if they didnt start following the federal law I would report them to CFPB. They dont care.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried a total of 5 times, this being the 6th. I have an inaccurate account on my credit report with Experian. The account is from XXXX XXXX XXXX XXXX. 

The issue states that the vehicle is a paid charge off. How is it a charge off AFTER I paid in full? Experian is not doing their full investigation and has yet to show me how theyve verified this information. Experian has STILL yet to give me any exact dates that i ask regarding this account because they are unable to. If this isnt fixed, Ill be forced to file a complaint with the FTC and Attorney General.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
Product: Credit reporting or other personal consumer reports

Did not do an due diligence investigation. There just ping ponging each other 's information back and forth to each other. EQIFAX has it charged off for the longest. Yet still impact my credit with negative marks. Which it's Re-inserted back onto my credit .to be reported to another credit Bureau and so forth ... Experian CHANGES FALSE NAME TO MY CORRECT NAME WHEN ASKED TO REMOVE INCORRET NAME. THIS IS SO THE CASE UNDER FALSE NAME IS ASSERTED TO MINE. I REQUESTED TO HAVE INCORRECT NAME & ADRESS TO BE REMOVED! YET THEY CHANGE TO MY CORRECT NAME TO MAKE STICK. THEN THE ADRESS IS INCORRECT & THEY RE-INSERTED IT INCORRECT! 
XXXX XXXX XXXX IS CORRECT. NOT XXXX XXXX XXXX. THERE IS NO SUCH ADRESS... BUT AFTER THEY GET THIS RESPONSE LETTER FROM CFPB, THEY'LL PROBABLY TRY TO CHANGE IT. AFTER THE 5 TIME IVE DISPUTED INCORRECT INFORMATION .UNDER 605B I DEMAND JUSTICE.
Product: Payday loan

I had officially revoked my ACH hold. Spoke with my bank ( XXXX ) and the company ( Acceptance Solutions Group ). As they were overcharging me. It took me filing a complaint with the XXXX for them to finally acknowledge the ACH revoke request. After several months my account has started to be charged again. They polulated a check with my account information and just typed in my signature. I have spoken to an attorney and they were NOT to be taking money out of my account. IThis is fraud. I want the payment they took out replaced and I want them to close my account as paid in full as they were supposed to do months ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a home mortgage with XXXX XXXX that I needed to have a loan modification with due to XXXX. Had to do a second modification 8 years later due to XXXX complications. The second agreement was finalized at 4 % interest for 40 years. 
Specialized Loan Servicing bought the loan a few years ago and is reporting that my mortgage loan term is 48 year or 576 months. I do not believe this is fair reporting. 
Specialized Loan Servicing bought the loan as is with under 40 years left on the loan. How are they able to report this negative information when they themselves were never associated with the loan modifications? As well, the information on the modifications were older than 7 years when they bought the loan.
Product: Credit reporting or other personal consumer reports

See the attached FTC report and remove the following unauthorized accounts and inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX. Please remove this unverified collection account from my credit report : XXXX XXXX XXXX
Product: Student loan

I have submitted twice already the documentation for my loan to reflect that the institution is qualified for student loan forgiveness. This is all I am pending for forgiveness. I started this process for student loan forgiveness a year ago and am still stuck in pending land. My husband is in the same situation and is actually worse off bc they initially lost his transfer to Mohela.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts. 

XXXX XXXX XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXX XXXX : {$38000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off a loan with Santander USA and they reported my loan as a XXXX XXXX. And show my payment as late and charged off!! They were paid off promptly and even gave me a refund. I want this corrected.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX a CashApp Customer service representative emailed me telling me that i had to provide more information in order for the dispute to continue.I replied to her email in less than 24 hours giving a detailed explanation of what happened.On XX/XX/XXXX i asked if there was a update on this case and then i got a email saying that a response was not provided or they havent heard back from me in 3 days.This is entirely false cause i fact did reply back to her.I will provide you a screenshot of my response with the file attached.Im making this complaint to resolve my dispute that was started on your guys behalf when i made a complaint a few weeks ago about this dispute.The reference email code is [ ref : XXXX : ref ]