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

Hi CFPB, my name is XXXX XXXX. I hope you're having a good day so far. The below information is concerning my experience with CashApp over this last month. The email any records below can be found under is XXXX, phone number XXXX. 

This started when two unauthorized transactions were made from my CashApp account $ XXXX. The first was {$15.00} on XX/XX/2022 at XXXX XXXX, the second {$65.00} on XX/XX/2022 at XXXX XXXX. On both these days, I did not receive any XXXX code or email indicating a login was performed, meaning that CashApp failed to notify me of an unauthorized login into my account happening from a device outside my control. I only saw that these transactions took place when I saw the withdrawal from my debit card connected to CashApp the next month when reviewing my bank statement. The only information I had shared with someone verbally at any point in time up until now is my CashApp username ( $ XXXX ), not password or any XXXX code. No sensitive credentials were leaked from my end, indicating some malicious login that was not my fault. 

Upon realizing that two unauthorized transactions took place and that my account had been compromised, I called the CashApp support team on XX/XX/2022. I detailed all the information above, but the customer agent continually said that CashApp does not refund money on scams, only unauthorized transactions. I kept reiterating that I did not initiate the above two transactions, but it seems this message did not get across to the agent. I received a response on XX/XX/2022 saying that CashApp believed I authorized the transactions, meaning they completely misinterpreted my call. See XXXX for this email. 

I opened a second followup case that same day, being very clear to the agent that I am not asking to be refunded on a scam, but instead am asking to be refunded on transactions I did not authorize due to a malicious login CashApp had permitted. She understood with me that CashApp not requiring a PIN on transactions allowed these unauthorized transactions to take place, and confirmed that she will ensure the case internally is tagged as unauthorized instead of a scam. Yet, I received another response on XX/XX/XXXX completely ignoring this clarification that was made, simply deferring to the first email. See XXXX for this email. 

I opened a third followup case the day after, asking to speak to a manager since clearly my case was being tagged incorrectly internally. After waiting on the phone for almost 30 minutes, I was told that no manager was available. Later that day, I received an email explaining that a manager could not override the decision of the first case and that it was final, despite the case being misclassified internally. See XXXX for this email. 

I am honestly very frustrated with CashApp in that they keep treating my case as a scam rather than unauthorized transactions that resulted from a malicious login they allowed. 

Thank you for reading this extensive complaint, XXXX
Product: Credit reporting

Since XX/XX/XXXX we have been trying to correct an error in our credit history in reported by the credit bureau. The error consists of the payment for XX/XX/XXXX reported 30 days late for a mortgage with XXXX XXXX. The error continues to this date. In response to our claim the bank send us a letter indicating that error was corrected in their system and that credit bureau was notified ( See Exhibit 1 ). After several a couple of months of monitoring our credit report we contacted the bank to inform them that correction has not been made. The bank indicated that they did what they were required to do and that the problem is with the credit bureau which has not made the correction. They suggested that we contact the credit bureau and ask for a correction. We contacted the credit bureau but never received a response. 
Attached is evidence that that payment was made and debited our account at XXXX XXXX XXXX on XXXX XXXX, XXXX. 
We appreciate your help in getting the credit bureau to correct the record. We would appreciate a notification of the correction made.
Product: Credit reporting or other personal consumer reports

I am filing a complaint to formally dispute inaccuracies in my credit report and to demand compensation from Experian for repeated violations of the Fair Credit Reporting Act ( FCRA ). My concerns are further validated by the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit alleging Experians failure to properly investigate consumer disputes, as well as improper reinsertion of inaccurate information on consumer reports.

I have identified the following inaccuracies in my credit report that require immediate correction or deletion : XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

The same debt was collected on by XXXX different company 's CITI hired and now we are having a hard time obtaining a refund on the XXXX. Please help assist us
Product: Student loan

My wife XXXX XXXX XXXX ) and I ( XXXX XXXX ) never received any correspondence from XXXX in order to qualify or receive our settlement reimbursement. We are both former XXXX loan borrowers ( federal ) and yet a state legislator we know received their check in the mail ( immediately ). It is clear that XXXX is not fulfilling its obligations to the borrowers under the settlement. Can you please help us retrieve this funding? It would be extremely helpful at this time.
Product: Debt collection

This debt has been disputed MULTIPLE times. When they have called, I have asked for things in writing. The only paperwork received is " settlement offers '' - no verification of debt. 
The medical procedure they are claiming this debt was for was paid by my health insurance. 

It is being reported to my credit, and when I called to take them up on one of their " settlement offers '' to get it off my credit, they refused because I would not provide my financial information. 

My financial information was not needed for their " settlement offers '' previously and they refused to work with me unless I disclosed my financial information.
Product: Money transfer, virtual currency, or money service

Am trying to withdraw money from paypal to XXXX  and its nots successful and PayPal is acting shady .all I did is Change my phone number ... from XXXX to XXXX which is acceptable but they put limitations that made it hard for me to get my money to pay my bills.please probe them to act am fed up with these restrictions.thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, FL XXXX XXXX To whom this may Concern : 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. 

NO CONSENT IS IDENTITY THEFT, as a consumer I am demanding that these accounts listed be REMOVED IMMEDIATELY! 

Failure to do so, will result in me taking legal action where I will be seeking monetary damages in the amount of {$1000.00} for each violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The is information that's on my consumer report consumer report that is identity theft, according to 15 U.S. Code 1681b - Permissible purposes of consumer reports, my written instruction is the only way these items were to appear on my consumer report, and I gave no instruction at all.Theres no way you can say goods or anything was received as a result because again using someone's identifiable information to extend and good, credit or services is identity theft according to the law. 15 U.S. Code 1681b - Permissible purposes of consumer reports Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; I here by truthfully say that the information is not information relating to any transaction by me. 

SEE ATTACHMENT for identity theft for XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX. XXXX XXXX XXXX Account number : XXXX XXXX. XXXX XXXX XXXX Account number : XXXX XXXX. XXXX XXXX XXXX Account numberXXXX
Product: Debt collection

I have a credit account with Paypal. I ordered an item from them and was unaware that I had reached my specified limit on my account. They attempted to process the charge and posted it as a negative ( {$33.00} ) to my account when it should have been declined. 

In turn I never received the stated item that I had attempted to purchase and thus reached out to them to dispute the purchase. I have never heard anything but have continued to pay my bill on time every month. 

Recently I was locked out of my Paypal account. I attempted to contact paypal and was forwarded to a collection agency. 

It appears to me that they took the amount disputed and sent it to collections without processing the dispute. Now when I call their customer service they route me directly to the collection agency who is unable to do anything but set up payment
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the fair credit reporting act convergent account # XXXX XXXX XXXX  XX/XX/XXXX, # XXXX  XXXX XXXX XXXX, XXXX, # XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 15 U.S.C 1681section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A Section : It also states a consumer reporting agency can not Furnish an account without my written instructions.
Product: Debt collection

Company makes repeated phone calls to my cell, would n't give me enough information to identify the debt ( I owe no debts ), and repeatedly asked for personal information, including social security number to " verify '' my identity.
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and realized that someone was using my personal information to apply for credit/loans in my name. I have filed my FTC report for identity theft and have notified all the credit reporting agencies of this matter, including sending verification documents to XXXX and they have yet to block the creditors that are in my FTC report from showing up on my report while this is in investigation PURSUANT15 U.S. Code 1681c2 ; 15 U.S. Code 1681e ; 15 U.S.C 1681 section 602 A. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX have have sent them all letters letting them know I didnt authorize these inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX 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

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 1681XXXX XXXX  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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Has violated my rates. 



15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Vehicle loan or lease

I took out a vehicle loan with BMO bank in XXXX. The car was registered to XXXX  and I registered it in XXXX to XXXX. In XXXX I fully paid off the loan receiving the attached thank you letter and Illinois title for my car. 

Two years since paying off my car, I'm told I can not renew my plates because my cars title is registered in Wisconsin and the title in my hands is void. The Illinois DMV only had so much information saying this new Wisconsin title was created in XX/XX/XXXX and that BMO was attached to this creation somehow.

Now my plates are expired while I'm running around between XXXX  DMV, Wisconsin DMV and BMO essentially stuck in a circle of every place blaming someone else.

XXXX  has stated that because BMO at some point requested a title back in XXXX it overpowers the new title I had made that has been valid for the past XXXX  years. The reason it took up until this year to be published was it just updated in the " national database ''. 

Currently XXXX  is in the process of trying to void the XXXX  title for me so it will make my XXXX  title valid but the expenses are piling on as I don't have my own garage and the parking lot tows expired plates.
Product: Credit reporting or other personal consumer reports

Per FCRA as a federally protected consumer, I am asserting my rights under 16 USC 6802, 16 USC 6803, 16 USC 6804, and 16 USC 6805. 

The accounts listed below are reporting incorrectly across EXPERIAN, XXXX, and XXXX. 
I previously disputed these accounts through the companies as well as the agencies. I also submitted a complaint on XX/XX/XXXX. 
However, the accounts were verified by the agencies. My complaint was closed unsatisfactorily. 
I question the accuracy when the three agencies are all reporting different information. 

The accounts are as follows : XXXX  The agencies are reporting XXXX different dates of last activity, different dates of last payment and different payment histories. This account is also listed as a charge off. A charge off is a certificate of indebtedness. Therefore it is income and can not be listed on my credit report. Under Privacy Act of 1974. Please remove this account immediately from all three agencies. 

XXXX The agencies are reporting different payment histories, different dates of last activity, and dates of last activity. I was never late on this account. The law states it is illegal to report transaction history. Please update payment history in your records. 

XXXX XXXX  This account is not reporting correctly across the XXXX bureaus. There are different dates of last activity listed, incorrect payment status listed, incorrect payment history listed. Please remove this account from all XXXX agencies immediately. 

Another account is listed on XXXX that just says original creditor XXXX. It is listed as a collection account. I have never had a collection account with XXXX. Please remove this account from XXXX immediately. 

There is an inquiry listed on XXXX, XXXX, and EXPERIAN inquiries listed on my report with the date of XX/XX/XXXX. I did not authorize this. Please remove this under 15 USC 1681. 

Please see credit report attached as evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account with synchrony bank to update the payment history on this account since XX/XX/XXXX. They have come back each time stating that the account is " certified as accurate ''. The payment history is still reporting incorrectly. This account can not report 31 charge offs for 3 years from XXXX up until XX/XX/XXXX. The payment history from XXXX-XXXX has been eradicated and doesnt report at all. The date of charge off states XX/XX/XXXX when they charged the account off in XX/XX/XXXX. I have called and reached out to the company and was told that they dont handle XXXX accounts and that these accounts were given to XXXX XXXX. Another rep from XXXX XXXX told me that the account was sold to another company called enhanced recovery company. 1-how can synchrony verify the account as accurate if the payment history is still the same and has not been corrected? 2- how can they verify an account is accurate but don't have any information about the account anymore? 3- how is the account verified as accurate if the charge off status still shows XX/XX/XXXX and not XX/XX/XXXX? This account payment history needs to be corrected or the account must be removed from my XXXX credit file. This is in violation of the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided the following information to XXXX, XXXX, and OCWEN Loan Servicing LLC : I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copies of the reports I received from XXXX and XXXX. 
This item, OCWEN Loan Servicing LLC, Home Equity Line of Credit is inaccurate because the date of first delinquency ( DOFD ) is either missing or inaccurate. As a result, the negative information associated with this specific tradeline is listed in my consumer file longer than legally permissible. 
The XXXX report does not specify a DOFD. The XX/XX/XXXX report indicates a Last Payment Made of XX/XX/XXXX. More than ten years ago. In addition, the property securing the Home Equity Loan was foreclosed on in XX/XX/XXXX. I have enclosed a copy of the Foreclosure Deed as additional proof. The Foreclosure Deed was recorded in New Jersey with the XXXX County Clerk on XX/XX/XXXX. 

I am requesting that the information in your records be corrected and that the item be removed from my XXXX and XXXX credit reports to correct the information in my file. I have disputed this item with XXXX and XXXX and have not been given an explanation as to why the file has not been corrected. 

Enclosed are copies of the Foreclosure Deed and the relevant portions of my XXXX and XXXX credit reports along with the disputes which support my position. Please reinvestigate this matter and delete the disputed item as soon as possible. 

OCWEN is providing incorrect information to XXXX and XXXX. There were no payments made in XXXX. The last payment date shown by XXXX  is XX/XX/XXXX. The date of first delinquency is over ten years ago. In fact the property securing the loan was foreclosed on and the foreclosure deed recorded on XX/XX/XXXX. Nearly nine years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to provide me with the contact information for a company they are reporting. I am entitled to and have the right to have all information that Experian is reporting in my file. Experian is reporting that account XXXX was sold to XXXX XXXX XXXX. I am requesting that Experian provide me with all contact information for XXXX XXXX XXXX as required pertaining to the FCRA. I have requested this contact information multiple times with no contact information provided.
Product: Mortgage

XX/XX/2020 I, XXXX XXXX XXXX called UWM Mortgage on XX/XX/2020 at this number XXXX and asked them for possible Mortgage assistance because my significant other lost her employment due to the Corona 19 epidemic and I am the only one working in our house hold. The represent told me that they sold my loan as of today to XXXX XXXX because XXXX XXXX ask them to. I paid my mortgage on time all I asked them for was possible assistance with a possible deferment program, they said no and sold my loan to XXXX XXXX, She told me that the investor XXXX XXXX told her to dump my loan. I served my country Honorably and all I asked for was assistance to defer my Mortgage payment, but instead of helping me, they sold my loan during a epidemic to avoid possible financial losses. I am a XXXX XXXX, and work for the XXXX, please look into this matter, I feel I have been discriminated against because I asked for assistance during a world wide pandemic. This company XXXX XXXX has turned its back on me when I needed them the most.
Product: Credit reporting or other personal consumer reports

I received an alert from Experian with inaccurate credit reporting from XXXX XXXX XXXX. The balance, monthly payment amount and delinquency is not accurate and need to be updated. The consumer reporting agencies need to report all information with complete accuracy. I'm requesting an investigation and information updated, this account is in good standing. Thank you for your assistance with getting this issue resolved.
Product: Debt collection

XXXX, XXXX, and XXXX, all in violation of my rights according to USC 1681 A 3 my medical inforomation was shared with a 3rd party to whom i know no knowledge of the company is ( Account resolutions services ) the open date is XX/XX/22. I Would like this account to be removed immediately.Because of this my credit has been affected and has caused emotional distress.
Product: Money transfer, virtual currency, or money service

We have been unsuccessful in resolving a claim of fraudulent activity on our business checking account that was reported to Chase Bank on XX/XX/year>. In the morning of XX/XX/year> we noticed difficulty in logging into our bank account. We immediately called Chase Bank to notify them of the issue and the call got disconnected by customer service. We logged on from another computer and noticed 3 separate wire transfers pending that we did not authorize had been initiated. We called Chase Bank immediately to notify them of the fraud and they were able to stop 1 of the 3 wire transfers. These are the wires they did not stop : Wire # 1 in the amount of {$18000.00} Wire # 2 in the amount of {$18000.00} We proceeded to file a claim to have the lost money returned. On Monday, XX/XX/year>, we went into our local branch as we had not heard anything since our intitial phone call and were told by a teller the claim had been stopped as there was no proof of any fraud. The teller indicated because the fraudulent wire transfers were initiated matching the IP address on our computer it was not considered fraud.

I'm attaching a timeline of events to show we were literally on the phone with Chase for 1 hour and 36 minutes as this fraud was taking place. There should be no reason why the other two wires were not stopped immediately, or a communication from Chase to the receiving banking institute where these wires were to be received. It is Chases fiduciary duty to protect clients funds and Chase was negligent in not following through during the real-time fraudulent activity that was commencing while I was on the phone with Chase Bank . We also hired our IT guy to look at the computer and he was able to find that the computer was hacked which proves we did not complete any wire transfers. I'm attaching photos of that as well.