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

My cashapp email address is XXXX, not my personal email acct provided above. 

I checked my bank acct & saw a pre auth charge- thru CASHAPP by user XXXX XXXX XXXX XXXX in XXXX XXXX . This charge did not show up in MY CashApp, idk this person, but I screenshot the info & sent it to cashapp customer service. When someone scammed my daughter in the past CashApp said that since that old charge had hard posted there wasn't anything they could do, but w this new charge from a different fraudulent person I caught it before anything hard posted so they absolutely should have been able to go into that user 's acct & cancel it before it hard posted. I also requested more info on that user/acct so I could contact their local legal authorities and for confirmation from cashapp that they'd do something to cancel this fraudulent user 's acct or SOMETHING but they refused. 

It was a fraudulent charge that I had nothing to do with & did not authorize. CashApp would do nothing to stop reverse or prevent. I'm disputing it w my bank but that will take 90 days & I needed that XXXX in there for bills so I'm screwed. I contacted cashapp before it hard posted & they'd do nothing so thus is cashapp 's responsibility & liability. 


****please provide email to send screenshots to bc uploading them here is taking WAY too long & idk if any of them will be posted w my complaint & there's info in the screenshots I would not want posted publicly online****
Product: Credit reporting or other personal consumer reports

Wells fargo is reporting my name incorrectly by adding a XXXX suffix to my name when they report it to the bureau. 
This is happening to the credit card that was closed sometime back but not happening with my open card with wells fargo. 
Inspite of working with wells fargo and getting their assurance that its fixed, I still find that they are reporting my name incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed an original case through CFPB on XX/XX/XXXX against Wells Fargo Dealer Services ( WFDS ) due to non-compliance with a Small Claims lawsuit I was awarded as the Plaintiff versus WFDS ( Defendant ) to remove unfounded and unsubstantiated records with each credit reporting agency regarding alleged missed payments for a XX/XX/XXXX auto loan. The company did not respond to the CFPB complaint within 30 days, according to the CFPB. Therefore, the CFPB resent the complaint and notice that it had not heard a response, violating consumer protection rules. I then received a call on XX/XX/XXXX from WFDS that "  the case was still open. We wanted to contact you to let you know we 're working to resolve this case regarding the small claims legal action you were awarded against Wells Fargo Dealer Services and the case you reported to the CFPB. We will be in contact with you every 3 to 4 days for transparency purposes, and to just keep you in the loop on our processing your complaints and legal action. Please feel free to contact us during business hours with any questions. '' I never heard back from WFDS after this call. I then contacted WFDS on XX/XX/XXXX. I was transferred to the Legal Department and spoke directly with an individual who stated that he was now the Legal Analyst for both of my cases, and that he is working on quickly getting the cases resolved and settled. " I will be in regular contact with you to assure you of your legal action against WFDS awarded by the court in your state, and get this done quickly and these cases resolved and closed. Call me any time. Let 's keep in contact. '' I never heard back from him again. I left a voice message on XX/XX/XXXX for the the Legal Analyst. Voice message stated he 'll return on XX/XX/XXXX. I left a voice message for his supervisor as his message states to do on the same day. I never received a call back from her either. I then attempted both contact numbers on XX/XX/XXXX and received the same old voice message and the supervisor 's contact suspiciously deletes. It is my firm belief that WFDS is intransigent, avoiding, and stalling ever since the court ordered WFDS to award my settlement and remove the false records of late payments from each credit reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX loans on my credit report reported that arent accurate. XXXX loans open in XX/XX/XXXX, I have no knowledge of. XXXX loan I paid off in XXXX isnt even showing on my credit report. 

I called my loan servicing to get help with correcting my credit report and after 30 minutes of specking with an uneducated rep, I was advised to mail the report in for review. I am requesting to have my lone servicer changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wallet was stolen with my ID, ss-card, bank card, cash, and more person information. The wallet was sent back to me from XXXX Florida with only the ID and bank cards. I went to the bank and cancel the cards and got replacement. I started receiving calls about collecting a debt ; I thought it was a scam call so I never took it into consideration that it was real. Then I seen on my credit that another capital one card was open and using my address and information. I contact the Credit bureaus and file a dispute and contact capital one and told them my identity was stolen back in XX/XX/XXXX and that I never open the account and they didnt cancel the account they told me to send them the documents I have when I filed the police report and I sent it and they still havent did anything about it. My credit have been effect bad because of the account they have on my account. I even sent them proof that I was working at the time and that I travel for work and I been working since XX/XX/XXXX to XX/XX/XXXX. Can someone please help immediately because Im trying to start a business and I cant with bad credit.
Product: Debt collection

Trans Union has a derogatory account on my credit report. The account is the law office of XXXX. I disputed the account back in XXXX of XXXX and the company did not send validation that the debt belonged to me. They did not have any written contract with the original creditor, a copy showing they have the rights to collect the debt in Tennessee,. This company did not send validation of the debt and I asked that all communication cease and desist since they did not provide validation. Now here we are in XXXX and it is appearing on my TransUnion and has caused my credit score to drop significantly. I am asking that this account be removed immediately due to the balance is incorrect, inaccurate and is involved in litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against XXXX XXXX  in reference to CFPB complaint # XXXX-XXXX. 

XXXX XXXX  's XX/XX/XXXX response to this complaint was : " DESCRIPTION OF NON-MONETARY RELIEF We sent an update to the credit bureaus to reflect the account status as Paid in Full effective XXXX " This has not occurred, according to a credit report ( via XXXX ) by : XXXX, on XX/XX/XXXX -- Current Status of XXXX  account : " Charge-Off '' Status of : XX/XX/XXXX Experian, on XX/XX/XXXX Current Status of XXXX account : " Charge-Off '' Status of : XX/XX/XXXX XXXX, on XX/XX/XXXX -- Current Status of XXXX  account : " Active '' Status of : XX/XX/XXXX I contacted XXXX  via phone on XX/XX/XXXX who verified the data on the XX/XX/XXXX report. I filed a dispute during this phone call. 



Since XXXX 's XX/XX/XXXX written resolution, I have been accessing updated credit reports on a monthly basis, which have displayed data similar to the current reports. I had followed up with XXXX  's representative and connected with her by phone, twice, over the past two months. I was told that the lack of changes or the incorrect changes to the status ( both exist ), were part of the updating process and to wait another 30/60 days. 
Finally, XXXX  's representative told me that if the credit reports ' data remains incorrect after XX/XX/XXXX, it is now an error with the bureaus and not with XXXX XXXX. 


I will be addressing this with Connecticut 's Department of Banking, per my attorney 's recommendation.
Product: Checking or savings account

I was scammed out of money. It started on XX/XX/XXXX. Someone contacted me on XXXX claiming they could help me out financially. They sent me {$1800.00} on XX/XX/2024 and they asked me to send {$1300.00} of it to a church for charity. They sent me the XXXX  information for that supposed church, and they said to already send the {$400.00} to the XXXX  info given, an amount that would be available to me instantly. 
I had already sent the money via XXXX  on the same day XX/XX/2024 when I realized it was a scam, after being advised by my parents. 
I called my bank on XX/XX/2024 and a claim was made on my behalf same day of both transactions being fraudulent and a scam. 
My bank didn't update me for about 9 days on the claims. I had to call to check on it today on XX/XX/2024. And when I did they said they did an investigation and the {$400.00} sent out via XXXX  was not fraudulent and that they aren't reliable for scams. 
But previously they did not even gather any of the evidence I had, so how could an accurate investigation be done? 
They only asked me what happened. But I have screenshots of everything, and I had even gotten a death threat by the people scamming me and they had my number and claimed to know where I live. I received that death threat on XX/XX/2024. I am currently overdrawn, my account balance is- {$12.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen between XX/XX/XXXX-XX/XX/XXXX. As a result, multiple accounts were opened and used without my knowledge. XXXX XXXX XXXX  XXXX was one of the accounts listed in my identity theft report. There was fraudulent charges on my personal checking account and my credit card was compromised. I reached out to XXXX XXXX several times but they wont help me. I've notified XXXX multiple times but they won't remove it off my credit report. USAA also has a missed payment on my XXXX credit report that needs to be removed, I was never late on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this company for so many times, and I sent letters so many times as well, requesting to have my credit report corrected and verified but until now no further actions were taken. There are so many accounts that are reporting incorrectly and have no proof.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Report # 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 can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I have repeatedly sent letters to the creditor Brite Financial. I have sent multiple letters requesting to exercise my right to opt out and the company never responded last letter was sent XX/XX/XXXX. The account is reporting as a charge off which means the company received a tax break on the debt which now makes the debt a certificate of indebtedness. Per the IRS Publication 4681 states reporting cancelled debts as income, Generally canceled debts must be reported as income on your tax return, and you may receive a form 1099-c from the creditor reporting the canceled debt amount to the IRS and to you. I have not received a 1099c from Brite Financial. I have also sent a letter to opt out of the account reporting. The company continue to report the account disregarding the letter I as the consumer sent to opt out. This is also a violation of the Privacy Act of 1974 which aims to protect rights of individuals by regulating how federal agencies collect, maintain, use, and disclose personal information, including provisions related to sharing personal information to third parties. Brite Financial stated they will not share my information with any third party affiliates but yet the credit reporting agencies have my information without my consent. Account listed below BRITE FINAN Account XXXX XXXX
Product: Credit reporting

I have a collection that 's been showing on my XXXX and Transunion report for a while that is not mine. I disputed through XXXX, and receive a verdict that they were unable to verify this was mine, and they agreed to remove trade line from CRA 's in 2012. They are still on today and disputes did not work with XXXX or Transunion, and Collection Agency is not acknowledging the letter they send agreeing to remove from my reports. 

The tradeline on reports is XXXX, they also go by XXXX XXXX XXXX XXXX XXXX it looks like. 

Please help me get this resolved, it 's making it hard for me to get an affordable rate on a vehicle for my family.
Product: Checking or savings account

I have two transactions, both of which occurred on XX/XX/2020 and neither of which were authorized. XXXXne was for {$100.00} and another for {$50.00}. 

On the XXXX, my husband received a text from Santander Fraud asking if we made the {$50.00} charge, to which he replied NO. A fraud advisor called him and he disputed the charge, along with the {$100.00} XXXX XXXX charge. This is a joint account and neither I nor my husband made these purchases/transfers ( one was through XXXX - processed in Texas - we live in XXXX. and another through XXXX XXXX - an app which neither of us have ). We were given temporary credit for both of them, in compliance with Reg. E on the XXXX. 

On XX/XX/XXXX via a form letter that an investigation was performed and they stated that the merchant is correct and they are denying my claim. ( Two letters, stating the same result for both charges ). 

Additionally, the form letter states that the dispute opening date was XX/XX/XXXX, but it was on XX/XX/XXXX. I was not given written confirmation of my error within 10 business days and was not informed within 3 business days. The document they sent has incorrect dates to show they are in compliance, but they are not. I am attaching the cell phone text received on the XXXX. 

On XX/XX/XXXX, I called the number on the form letter ( XXXX ) and after waiting on hold for 31 minutes, talked to a gentleman named XXXX. I asked for a copy of the support they utilized in making this determination, as listed on the letter. He stated he put the request in to their Fraud Department ( evidently he was just the Card Claims ) and I should receive the documents, via paper mail, within 3-5 days.  It is now XX/XX/XXXX and I have not received anything. My guess is because there is no documentation, because the charges are fraudulent. 

On XX/XX/XXXX, both charges were put back on my account. 

Additionally, during this time - though I don't have exact dates, I was issued a new debit card when I hadn't requested one. My card was not expiring and I was given no information as to why it was necessary. 

When I researched the description of the charges online, the XXXX one clearly shows that this is known fraud. And I just do not know the other charge, taken on the same day, most likely by whomever stole my information. 

Santander has never asked me if I want to close my account and open a new one, even when I called to state this was fraud. And now they are saying these charges are valid and they ARE NOT. This is our joint account for our mortgage. Review the account activity, it doesn't fit. We will certify via anything you offer that these charges are not authorized and are fraudulent. 

Santander is proving to be less than helpful and at this point, I'm concerned about my financial information being out in the dark web. As soon as this matter is resolved, we will be closing both the checking and savings account we have with them, but first - I want my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a structured settlement agreement with Citibank concerning a outstanding debt. The settlement was agreed upon between my lawyer XXXX XXXX on behalf of myself and a my contracted debt settlement company, XXXX XXXX XXXX, and the debt collector for Citibank XXXX, a law firm in Virginia. The account was settled last year in XXXX of 2021. I have a copy of the settlement with a payment schedule which has been adhered to being paid by XXXX XXXX. 

Citibank is currently reporting the incorrect balance and a failure to pay on my credit report. Since the settlement last year. I have attempted several to contact Citibank and correct this issue, but they direct me to XXXX. 

My lawyer XXXX XXXX contacted XXXX last week, they stated the do not report to the credit bureaus and that is done by Citibank. 

After contacting Citibank several times I can not find a person to assist me and the keep giving me a tun around. 

I have filed several disputes with the credit bureaus but the keep finding in favor of Citibank This has been going on for over a year now the balance is incorrect and so is the payment history with the negative impact on my credit reports.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this erroneous account numerous times before and provided documentation. They refused to investigate and correct their error. They are illegally reaging the deliquency of an account that should have been deleted years ago according to Experians own documents. The account is XXXX XXXX.
Product: Credit reporting or other personal consumer reports

-Requested insurance coverage from XXXX XXXX late XX/XX/XXXX to increase auto coverages to $ XXXX from the standard $ XXXX 
-Denied coverage " based on your insurance history '' ( XXXX XXXX words ). I have a very good insurance history and excellent credit score ( XXXX ). Was offered a copy of my Lexis Nexis report as justification for being denied insurance coverage. 
-Reviewed my LexisNexis report, found dozens of errors, to include : wrong addresses at which I have never lived ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX, wrong phone numbers, wrong email addresses. MOST CONCERNINGLY, I found a paid ( ~ {$3400.00} ) insurance claim for a XXXX XXXX XXXX that I HAVE NEVER OWNED in the STATE OF TEXAS, over XXXX miles from where I live. I believe this entry to be the erroneous flag on my insurance history which led to a denial of coverage by XXXX. 
XXXX called XXXX XXXX and informed them of all the above errors. The individual on the phone promised they would remove the erroneous records. Received XXXX notices this week from XXXX with " updated '' reports... both reports are still littered with errors in addresses, phone numbers, email addresses, and yes, the phantom {$3400.00} claim against some guy with my name living at a XXXX XXXX TX address ( I live in XXXX, FL ). XXXX XXXX claimed the {$3400.00} accident was a result of me shopping for insurance and XXXX XXXX running an insurance check on me. This is clearly a lie, or they were so ill-informed as to make this farcical claim, because an insurance agent wouldn't run my name and somehow attach my name to an accident for a vehicle which I have no relationship with. If they did, then XXXX XXXX needs to be held liable/accountable equally with LexisNexis. 
-Lexis Nexis needs to clean up their act if their shadow reports are going to be used against consumers by XXXX and other insurers. If they can't back up the information on their bogus " consumer reports '' then they need to be held liable for financial penalties incurred by the consumers they are reporting on.
Product: Credit reporting or other personal consumer reports

I am victim of identity theft do to the XXXX data breach the XXXX XXXX data breach and also XXXX XXXX. Attached is an identity theft report with all listed fraudulent accounts. It is against consumer law to report fraudulent accounts. 

Fraudulent 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Around XX/XX/2023 someone applied for a payday loan using my information. I reached out to the payday company letting them know that I did not apply for the loan and to remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I moved to XXXX in XX/XX/2023. While here, I am unable to access the website for my XXXX XXXX without using a XXXX, even at times that doesnt work properly. 

I was unable to make a payment in XX/XX/2023 timely on my XXXX as I couldnt login to the account properly. Because of this, XXXXXXXX XXXX reported 30 days late to my credit report. 

I have since paid off the account to prevent any further issues from their XXXX.
Product: Student loan

Mohela, my loan servicer, has given conflicting information about when my loan forgiveness form will be processed and when my loans will be XXXX. The site says 30 days and one representative told me two weeks. Another told me 6 months. This is very time sensitive as the well being of my family depends on my loans being XXXX timely. I am also pregnant and this is causing me stress and affecting my ability to take my maternity leave. Although it is fully documented that i have XXXX payments, i dont fully trust that Mohela will live up to their promises given their numerous miscommunications and failure to respond to emails which they say they will respond to within 3 days. Therefore, i am hopeful and would appreciate the CFPBs assistance in resolving this issue in a timely manner.