23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I received a cash app visa debit card in the mail. I don't have a cash app account and have never used the cash app service before. I believe that someone has opened an account fraudulently in my name. I have attempted to reach out to Cash App dozens of times to resolve this issue. They basically have no customer support network. The attempt to redirect people to logging into their app for customer service, which i can not do because i do not have an account. When trying to call their number, it just says they will call me back and it hangs up on me. They haven't called me back and I am unable to get in contact with them.
Product: Credit reporting 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. 
Account name : # XXXX, Account name : # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Payday loan, title loan, or personal loan

I got a title loan back in 2021 and I received {$1000.00}. On my first contact it says I'm being charged 98.60 % interest rate. I can't afford the payment XXXX a month and only XXXX goes to the payment I owe. They have been sending me new contracts but the amount and what I owe us wrong. I get another offer but the amount I got and the amount owed is not correct at all
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the attached response from the company and update the late payment on my credit report for account XXXX XXXX XXXX. This should have been updated months ago.
Product: Credit reporting or other personal consumer reports

I am writing to complain to EQUIFAX about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XX/XX/1974. The FTC report numbers related with this complaint XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Money transfer, virtual currency, or money service

Ive had had for years, its been multiple times payments been sent to the wrong recipient and Ive requested the payment back and never received it
Product: Debt collection

I was a victim of identity theft. I was unaware of it until XX/XX/XXXX. There was vehicles purchased in my name as well as rent. I noticed on my credit report a balance owed to RENT RECOVERY SOLUTIONS {$9400.00}. Original creditor being XXXX XXXX XXXX. I've never lived in XXXX XXXX XXXX. I've only lived in XXXX XXXX. This is inaccurate information and this debt does not belong to me. 

RENT RECOVERY SOLUTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

First American Title located in XXXX Nevada was the title company that had us sign our original Note and Deed of Trust dated XX/XX/XXXX with XXXX Mortgage on XX/XX/XXXX. Per the XXXX recorder 's office, in order to record documents, a person must bring the original document ( XXXX ) to the recorder 's office to be recorded or electronically record the original document with the recorder 's office. Per the XXXX XXXX electronically filed our Deed of Trust on XX/XX/XXXX, instrument # XXXX. This was XXXX days later! Now ; on XX/XX/XXXX, I contacted XXXX and requested to know the following ; XXXX, I requested to know when the title company sent the original documents to the lender, New Century Mortgage. 
XXXX, what was the date the original documents ( Note and Deed of Trust ) were sent to XXXX. 
XXXX, I requested to know which carrier XXXX used to deliver these documents. 
My attentions were to verify that our original Note and our original Deed of Trust was sent to New XXXX Mortgage prior to New XXXX Mortgage going bankrupt and selling this asset, Note and Deed of Trust to another investor! The information below verifies that New Century Mortgage was in possession of the original Note and the original Deed of Trust when they sold our Note/Deed of Trust! 
Today, XX/XX/XXXX, I received an email from XXXX reflecting that the documents were shipped with XXXX on XX/XX/XXXX, tracking number XXXX. Please review the enclosed document ( s )! This caused another issue regarding our mortgage! Apparently, XXXX sent our original documents to XXXX, XXXX days prior to electronically recording our Deed of Trust with the XXXX. Even though the Deed of Trust was notarized, First XXXX Title was not authorized to record a copy of the Deed of Trust! Per the recorder 's office, all mortgage documents that are being recorded must be recorded with the original document! It appears that XXXX XXXX XXXX XXXX have violated state law ( XXXX ) NRS XXXX requirements for recording certain documents relating to real property. 
Since XXXX XXXX XXXX and XXXX servicing mis-handled our mortgage account, we are investigating everyone that is or was involved with our mortgage. An investigation into this matter is warranted by XXXX and XXXX agencies. If any wrong doing did in fact occur by XXXX, XXXX must be held accountable for their actions.
Product: Credit card or prepaid card

Synchrony bank closed my account and I did not receive any communication regarding this action. I have been a customer for years and have several accounts with them and according to a representative they have a right to close an account at their discretion. I never received a notice and their explanation was it was sent. They closed an account with a XXXX balance however my other accounts remain open. I have never been late nor have I missed a payment. I think it is unfair to extend credit and then without notice determine that you are no longer creditworthy and it affects your current credit score. This practice is detrimental to a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to TransUnion three times asking to not only to verify information on my credit report but to also get some information on a few closed accounts that appear negative on my account. These dates are XX/XX/2021, XX/XX/2021, and XX/XX/2021. I still have not received any updates.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
XXXX to XXXX XXXX XXXX Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires XXXX reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 


Requested XXXX To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 


XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove any items that are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
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 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 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 XXXX
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX I reached out to Bank of America to set up a payment plan for my already closed credit card account. I was told the payment plan would be for {$510.00} a month but that the account will show every month a balance of {$370.00} but to ignore this and that when I am able to make extra payments this will go away. I continued to receive calls from BOA that my account was past due even though I was making my payment of {$510.00}. Upon speaking to someone on XXXX of these daily calls from BOA I was told inaccurate information that I hadn't make a payment in a year and that he couldn't see any of my recent payments or history of my payment plan. I told him I wanted this escalated because he had no idea what he was talking about. I was transferred to someone that was very helpful and told me that he could see that I have been making my payments of {$510.00} and that the calls will continue until I could make extra payments and that it would not get sent to collections or reported. He also mentioned if I am ever a couple of days late with the payment that it would be okay because they have a grace period. Fast forward to today, I get a notification of a new update to my credit report. Apparent BOA reported my for delinquent payment ( the {$370.00} play the {$510.00} that was a few days late ). I have went my whole life with no late payments on my credit report and boa just destroyed that because they are not on the same page.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been communicating with XXXX, Equifax, and XXXX about my XXXX XXXX XXXX XXXX XXXX loan that was opened on XX/XX/2021. I have never been late on this account ever. I changed my due date and it was reported inaccurately. This has been devastating and detrimental to my life and to my credit. 

Also I filed a FTC report because there were also items on there that were not my own and I did not authorize and I've communicated that with the bureaus as well.
Product: Checking or savings account

My checking account was closed with an overdrawn balance in amount of {$190.00}, this includes two funds transfers in amount of {$50.00} each as well as a provisional credit reversal in amount of {$290.00}. I was referred to account recovery for payment. The provisional credit was placed on account due to a debit card claim in amount of {$290.00}, an item ordered from XXXX, never received. The item was shipped via Fedex with a forged signature, which was explained in numerous prior CFPB complaints. Wells Fargo reps ignore this fact, referred me to account recovery for payment, in which case, I do not pay for items not received. I previously requested a notice from collection agency handling account, nothing provided to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently got a new XXXX as a early XXXX present. The phone came with an offer to apply for a XXXX credit card. I kept getting rejected because they could not verify my identity. Finally today ( XXXX ) they told me the issue appeared to be with one of the credit reporting agencies and to call them to find out what is wrong. Well I had an idea that it was because my name is very similar to my fathers name and this has caused me issues with these credit agencies for most of my adult life. About 10 years they put one of my deceased father 's account on my report and even used his SS #! It took the IRS to put a stop to that And few years ago I had to do a fraud alert to get some of this incorrect information removed even though it was just my fathers information. And yet it still continues to be a problem to this day. I called XXXX and they told me there was nothing wrong that would cause this issue with them so I needed to check the other 2 and suggested the free annual report. That's when things made a turn for the worse. I got the XXXX  report with no issues and the same with XXXX. That one did have my fathers old address and employer and I was able to dispute that. But then Experian refused to give me their report unless I mailed them first. I attempted calling them several times but as soon as they get my SS # and street address they basically hang up and won't talk to me. By the time I get this resolved, XXXX will have come and gone. If I have bad credit that is on me. But their constant screwups and slowness to respond are on them and they should be accountable.
Product: Checking or savings account

XX/XX/year> ACH deposit delayed, not able to access my funds
Product: Credit card or prepaid card

XX/XX/XXXX : SYNCB/SCORE REWARDS DC reported a New Bank/Credit Card to my XXXX Credit File. 

XX/XX/XXXX : XXXX  got a copy of my XXXX Credit Report. XXXX made a Retail Inquiry by checking XXXX Credit File. A " hard inquiry '' may be placed on Credit File and it stays on the report for 25 months. 

XX/XX/XXXX : Disputed unauthorized activity from SYNCB/SCORE REWARDS DC. 

XX/XX/XXXX : Placed a fraud alert on all 3 credit bureaus. 

XX/XX/XXXX : Froze XXXX credit account preventing any new accounts. 

XX/XX/XXXX : SYNCB/SCOREREWARDSDC reported a New Account to my XXXX credit file. 

XX/XX/XXXX : SYNCB/SCORE REWARDS DC has reported to XXXX that a card has been lost, stolen, or replaced. 

XX/XX/XXXX : SYNCBCARE CREDIT made an Inquiry by checking my XXXX Credit Report. 

XX/XX/XXXX : SYNCB/SCORE REWARDS DC Highest balance {$2200.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/22, I believed I was sending payment to XXXX XXXXXXXXXXXX XXXX XXXXXXXX. I sent 9 transactions on Zelle, believing that the recipient was XXXX XXXX XXXX XXXXXXXX. The total of those transactions was {$11000.00}. I believe that due to Regulation E, I should not be liable for this transaction and Zelle should reimburse me for the {$11000.00}.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for what I thought was a personal loan through Bankers Health Group ( BHG ), in XXXX, XXXX. This loan was taken out in XXXX, XXXX. I have tried numerous times to get this loan refinanced with another company to no avail due to a very high interest rate of 21 %. In my recent attempt a loan processor advised me this loan was not showing up on my credit report. I told him the circumstances of this loan and he advised me to stop making payments on it and contact an attorney. BHG is currently being sued in the State of XXXX XXXX  for for fraudulently giving unknowingly people a business loan to skirt financial regulation laws. XXXX XXXX  in XXXX  who underwrote these loans are a co defendant. During my loan application and process I never once told the processor I intended to use the loan for a business. I have never owned a business, nor do I intend to start a business and I do not have a XXXX number. As previously stated I thought I was taking out a personal loan and now because of fraud I can not even get it refinanced. Let me also state this loan is a unsecured one. Additionally this loan was underwritten in the State of XXXX. Which has a cap on business and personal loans at 12.5 %. 
Thanks for any help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Student loan

I had a pair of student loans that were being serviced by XXXX XXXX XXXX XXXX. The loans are currently in forbearance until the start of next year. A few months ago, the loans were transferred to Navient ( navient.com ) for servicing. Navient has split the XXXX loans into XXXX different loans, which I assume will increase my monthly payment significantly. I have been unable to get any response from Navient as to why this was done and if there has been an error.
Product: Checking or savings account

I checked the balance on my card and saw that it was in the negatives but I didn't make any transactions. I double checked my transaction history and found nothing, I also called any companies or account holders I previously paid and they all verified there was no unknown transactions. I called and texted the customer service number for Cashapp since my visa is through their app, when i did get an answer they first told me to dispute the transaction made but there wasn't one. So I called again and was told they couldn't give me the information I was asking for. So far I have no answers as to why my money was taken and who took it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled a copy of my credit report on-line and found that XXXX XXXX XXXX XXXX is reporting the following inaccurate information in my file that is negatively affecting my credit score and life : 60 day late payment I have continuously made payments on this credit card and have brought this to their attention. Payments above the minimum have been paid on-time on a monthly basis and have never been late. 

I understand that per the Fair Credit Reporting Act, they are required to notify me of their investigation results within 30 days but they have not. Additionally, they are required to readjust this but XXXX XXXX XXXX XXXX has not despite my on time payments and evidence showing them that my payments have been made on time. 

I look forward to XXXX XXXX XXXX accurately updating my credit information with all three credit bureaus in order for my credit report to accurately reflect my on-time payments. 

Thanking you in advance.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain inquiries listed on my credit report. After reviewing my credit report from [ Credit Bureau Name ], I noticed several unauthorized and fraudulent inquiries that I did not initiate or authorize. These inquiries are negatively affecting my credit score, and I request immediate action to resolve this matter.

I am certain that these inquiries which I listed in Identity Theft were not authorized by me, and I believe they are the result of fraudulent activity. I did not apply for credit with these companies, nor did I provide permission for these inquiries to be made on my credit file. I am concerned that my personal information has been compromised, and I am requesting a thorough investigation into this matter. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that these fraudulent inquiries be removed from my credit report immediately. Please provide me with written confirmation that the inquiries have been investigated and removed. Additionally, I would appreciate any assistance you can offer to help resolve the potential identity theft issue that has led to these unauthorized inquiries. 

Thank you for your attention to this important issue. I look forward to your timely reply.