23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Also, this is to inform you that there is no third party involve in this process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the unauthorized inquiry reporting on my Credit Report : USAA FEDERAL SAVINGS B XX/XX/2021
Product: Checking or savings account

I am writing to address a significant matter concerning my Bank of America account. I want to bring to your attention an incident on XX/XX/XXXX, during which unauthorized access to my account resulted in the transfer of {$8600.00} to a cash app account. Despite being a loyal customer since XXXX with an unblemished record, I was deeply troubled by Bank of America 's denial of my claim for this fraudulent activity. Having had only XXXX account dispute in XXXX years, the lack of support from the institution was particularly disappointing. Additionally, the approval and processing of the unauthorized transaction by Bank of America on XX/XX/XXXX, following the prompt freezing of my account, has compounded my XXXX, giving the impression of complicity in criminal activities. When I contacted the Bank, I was informed that my claim was denied and the case could not be reopened. While I do not expect an immediate resolution, I want to ensure that my experience as a valued customer is duly noted. 

Below is an outline of events : - On XX/XX/XXXX, I received a message stating that an unauthorized device and XXXX XXXX compromised my XXXX account passcode. I was then provided a link to access my phone and install antivirus protection. The individual gave me their name and phone extension in case we were disconnected. The individual gained access to my social media platform. XXXX pm, I reported suspicious activity on my Bank of America account as I received a notification of an outgoing transaction. Upon entering the Bank, the association stated that several transactions were pending approval from the cash app for my account. While at the Bank, the hacker was still on my phone and threatened to clean out my entire account if I didn't leave the Bank. The bank associate addressed all the transactions then, and my account was frozen. The associate deactivated my bank card and informed me that my claim would be evaluated and resolved within XXXX to XXXX business days. However, on XX/XX/XXXX, the pending transaction for {$8600.00} was approved. I contacted the Bank on Thursday, XX/XX/XXXX, but was informed that the claim was closed and could not be reopened. I appreciate your assistance in looking into this incident for me.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$0.00} - Chargeoff
Product: Money transfer, virtual currency, or money service

am writing to formally file a complaint against Cash App regarding unauthorized transactions that occurred on my account on XX/XX/XXXX and XXXX, totaling {$5000.00}. I have never sent money to the individuals involved and was shocked to discover these transactions. Ive also uploaded documents that Shows, my history of what I send out and who I sent out to. The multiple attempts to send money to my account are a clear red flag, indicating suspicious activity and eagerness to access my funds. 

Cash App claims that my claim was denied due to a PIN being used to authorize these transactions. However, I want to clarify that I did not have a PIN on my account prior to these unauthorized transactions. I only added a PIN after reporting the fraudulent activity, as instructed by a Cash App representative. Furthermore, I have verified that no PIN is currently active on my account, allowing me to send money without any prompt for authorization. 

Despite my efforts to explain this situation and provide relevant evidence, Cash App has denied my claim XXXX times, insisting that the transactions were legitimate based on the use of a PIN, which I contest. I have never sent such a large amount of money to anyone through Cash App before, nor have I ever reported fraud prior to this incident. 

As a single mother facing financial difficulties, this situation has caused me significant distress. I urge your office to investigate this matter thoroughly, as I believe Cash App has not taken adequate responsibility for the fraud that has occurred on my account. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue.
Product: Debt collection

XXXX XX/XX/XXXX there was information sent to my place of work stating I that I owed Dillons # XXXX grocery store located in XXXX ks XXXX In the amount of {$1900.00} I received this information thru my work email from the XXXX department. when I seen the email send from HR I readched out to HR regarding the information about me owing XXXX grocery store. I did letting them know I didn't know where and how I could owe XXXX  its a grocery and i've shopped there, but i paid with cash or used a food stamp card or a prepaid debit card. my place of employment received on XX/XX/XXXX a paper work dated XXXX XXXX from Newman , Hesse & Associates, P.A. Attorneys At Law, s fI reached out to the Hr department asking what could I do about this because i don ; t and still dont know anything about this, I did advise HR that I do have Identity theft on my name. and how can they just garnish my check without even knowing if I have occured this amount to the this grocery store,. I then reached out the attorney thru email about this asking if i could get more information about this debt that I was suppose to have accrude, the attorney XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ks XXXX. the attorney told me that he wasnt giving me anymore information that i have been served. Inwhich I never knew anything about this until I got a email from my employer sent in a email. I have lived in XXXX since XXXX and never receieved any paper wrk from a attorney that i owed dillons store. the only paper work ive gotten from this is was i copied from the email that was sent to me thru email from my employer the letter the attorney sent to my employer. The attorney refused to give me more information besides what was sent to my employer. since then my wages have been garnished 25 % of my wages everytime i get paid. its not small amounts XXXX or more each i get pay. i wasnt event given a chance to check into this, Im a honest person and iff i have accured that amount of money to a grocery I would remember that this ws somthing from XXXX 18 years ago. ive been having my wages garnished every since, this has put me in a bad situation to im getting behind in my bill due to money being taken from me. when i didnt live in salina I never agreed to anyone to ppay nothing back. i dont even know where the charges come from .so how can anyone just take someone ; s money from them and not give them more information about. it'snot right. this attorney dont know my life, he dont know what i go thru on a daily to survive with the way things in this world is going the struggle is real i feel that my right to know or even given a chance to verify to them that i dont ow this debt to XXXX, this was never on my credit I also reached out to the XXXX  company as well and knows nothing. I dont think its right that a person and or persons can say a person owes someone money that can just take your and not give you any information, regarding that i owe money to a grocery store. i wasnt given a change to verify that i didnt make those charges.
Product: Credit reporting or other personal consumer reports

This company has reported inaccurate information.

1 ) Late payment 2 ) It is reported as a mortgage account when it's an installment account.

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated

my rights. 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 pers
on knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was reported past due in XX/XX/XXXX and it was reported to the credit bureaus that I have a missed payment. I spoke to their customer service dept as this was an autopay set to pay minimum each month. It was determined after to speaking to their support that the program they use to link bank accounts migrated incorrect information into their app resulting in several declined payments that I was not aware of. Once the issue was fixed the balance was paid in full. I asked support to note the account to remove missed payment as this was not my fault. I submitted disputes through XXXX and XXXX with no resolution. I filed a complaint directly to creditor and have not received any updates. The missed payment remains and I dont feel I should be penalized for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Equifax for my XXXX XXXX XXXX account which was reporting inaccurately. I included my full credit report and supporting documentation highlighting the many inaccuracies contained in the report. I got the dispute results which did not address any of the questions raised in my dispute letter. Equifax did not meet its obligation under the Fair Credit Reporting Act. I am therefore filing a dispute so that the XXXX XXXX XXXX account can be deleted from my Equifax report for inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to get to the bottom of some accounts that are reporting on my credit. According to the consumer laws designed to protect against noncompliant reportings, there should not be account listed on my credit that are inaccurate, incomplete, unverifiable. In this case I have spent money corresponding with the bureaus with no avail. I feel like they are taking my issue lightly. I have called an attorneys office that I found online and they guided me to your CFPB website as the next step. I have highlighted the inconsistencies on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau is reporting a Chapter XXXX Bankruptcy on my credit report. This is not my account. I have disputed to with the credit bureau several times. XXXX XXXXemoved the chapter XXXX bankruptcy from my credit report. This is a violation of the Fair Credit Report Act.
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 an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. 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, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$120.00} ; XXXX XXXX XXXX
Product: Credit card or prepaid card

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Product: Money transfer, virtual currency, or money service

My wife purchased two money orders from the PLS XXXX XXXX, California location on XX/XX/2021 at XXXX. Both money orders were purchased with cash, in the amount of {$1000.00} each. These particular money orders were different than the ones we were use to receiving from this specific PLS location. It appears PLS has eliminated their association with XXXX XXXX in terms of processing money orders and instead have taken to processing the money orders directly as a business. 

One of the {$1000.00} money orders was mailed to our landlords in XXXX XXXX for our XXXX rent ( XXXX ). The other money order, we currently still have in our possession ( see attachment ). Our landlords have made mentioned that they have not received our XXXX rent payment ( which was the money order that was purchased from PLS in XXXX XXXX XXXX. 

I called PLS of XXXX XXXX and was informed in order to receive a refund/reimbursement, we needed the receipt and stub of the money order. I did give the PLS agent the money order number, which she did a trace on and it has shown as NOT cashed of yet. We have the receipt of purchase, showing the money order numbers, but we can not find the money order stub for the one that has been lost/stolen in the mail. 

On XX/XX/XXXX, I submitted an online notification through PLS ' web site at XXXX, with the above stated information, but that web submission seems to have fallen on deaf ears with PLS. 

When the money orders were purchased, my wife was not informed that she needed to keep anything in particular in order to receive a refund, in case of a lost or stolen money order. My wife however, has kept the receipt as proof of the transaction. It has been frustrating, embarrassing, and difficult that our XXXX rent has not been paid to our landlords. But, it has been even more frustrating that PLS is not being accommodating for our lost money order DESPITE the fact that the money order has NOT been cashed. On XX/XX/XXXX, XXXX XXXX operator ID # XXXX XXXX reached out from PLS and informed me that PLS would NOT refund the money, despite the receipt I had, BUT, I could put a stop on the money order from being cashed. 

So now, PLS is holding our money, despite me verifying that I have a receipt for it!
Product: Credit reporting

I am writing to dispute a fraudulent debt on my credit in the amount of {$7000.00}. I do not recall this debt. I am requesting that the debt is removed off my credit report with the XXXX bureaus Experian, XXXX and XXXX and any finance and other charges related to the fraudulent, as well. 

I have previously sent you a request to validate our debt under Texas XXXX XXXX and all I received was an itemized list of the alleged charges you claim I owe you, which I do not. I did not receive a lease agreement showing my signature nor the required information by Texas XXXX. This does not meet the Texas XXXX XXXX guidelines of what constitutes proper debt validation and must be deleted. Please remove off credit reports for XXXX, Experian, and XXXX. I am attaching a copy of the original DV letter with the Texas Code on it and will be contacting the Texas XXXX office on your non-compliance and XXXX. I have listed below how you are not meeting the Texas XXXX XXXX. 

Please note XXXX Experian, and XXXX are bonded in the state of Texas and are required to comply with Texas XXXX XXXX. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas XXXX XXXX XXXX XXXX that the debt in question is inaccurate. 

If your offices have reported invalidated information to any of the XXXX major Credit Bureau 's ( XXXX Experian XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : *Violation of the Fair Credit Reporting Act *Violation of the Fair Debt Collection Practices Act *Defamation of Character XXXX XXXX is sending invalid information on behalf of the XXXX and this is completely fraudulent and not owed by me. Remove this from my credit, you have been reporting this fraudulent debt for 6 years. 

XXXX has stated they have no record of my information, yet they are reporting on my credit report. This needs to be removed.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$960.00} XXXX XXXX Balance : {$370.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$750.00} XXXX XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX CXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$600.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX XX/XX/2022
Product: Debt collection

I have been trying to rectify the account with this company XXXX XXXX. I have filed several complaints in regards to receiving information pertaining to this account to no avail. Then company, XXXX XXXX has refused to provide any information about the account. I don't know if it is mine, I don't know what the debt is for and when contacting the company, they refuse to provide any details. Per the Fair and Accurate Credit Transaction Act, they should be providing verification of said account via documentation or remove the account from my credit profile.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

In XX/XX/XXXX I sent Loancare {$200000.00} to recast my loan. The {$200000.00} was applied to my loan on XX/XX/XXXX.  This brought my loan balance to 47 % of the original loan. On XX/XX/XXXX Loancare deducted {$130.00} from my escrow for mortgage insurance. I assumed this might be for XX/XX/XXXX and ignored it. On XX/XX/XXXX Loancare deducted another {$130.00} from my escrow for mortgage insurance. On XX/XX/XXXX I sent an email to Loancare 's support and asked why they are still deducting mortgage insurance when my loan is at 47 %. On XX/XX/XXXX I received this resonse " We have received your recent inquiry in regards to your mortgage account. Our records show that your records show that your recast modification is set to start on XX/XX/XXXX. '' I sent another email telling them that did not answer my question that the recast has nothing to do with my present loan balance. They did not respond. On XX/XX/XXXX I called customer care and the representative told me I needed to send an email to cancel the PMI. On XX/XX/XXXX I sent an email to support to cancel my PMI and return the mortgage insurance funds back to my account. I did not get a reply. On XX/XX/XXXX Loancare deducted another {$130.00} from my escrow for mortgage insurance. On XX/XX/XXXX I called customer care again. I talked with XXXX # XXXX. I asked him if I could talk with a manager to get the mortgage insurance payments refunded. He said I ca n't talk with a manager but he sent an email to his supervisor who would get back to me in XXXX or 4 days. I did not get a response. On XX/XX/XXXX I called customer support. I talked with XXXX # XXXX. She told me it would be taken care of by Mid XX/XX/XXXX. I asked her to see if it could be escalated since I am refinancing. She told me to call back XX/XX/XXXX. I called customer support XX/XX/XXXX and talked with XXXX # XXXX. She told me they were not going to refund the mortgage insurance payments.
Product: Credit card

I closed my secure credit card on XX/XX/XXXX it was paid in full
Product: Credit reporting or other personal consumer reports

My credit report was deleted on XX/XX/2023. After multiple rounds of back and forth with Experian and their dispute department, a resolution finally came from a previous CFPB complaint, on XX/XX/2023. My credit report is, again, missing all data, however. The attachments show the difference between the two dates. My credit report should have over XXXX lines of credit open, dating back almost 20 years.
Product: Credit card

. Billing Error amount of {$2400.00}. One of the errors are late payments, under an open-ended consumer credit plan, which is against the law. The next one is security fraud. They are never credited my account for certificate of indebtedness. The company did not credit my account for dividend payment that they have made off my treasury coupon. Via Electronic Transfer Act of the interest of my coupon. My billing dispute past, current or future certificate of indebtedness while under this contract. Also want my securities sent to me via check.