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

On XX/XX/XXXX at XXXX in the morning my cash app account was compromised and someone made over 50 purchases in the matter of minutes stealing close to {$700.00} dollars and sending my account into a negitive status. I reached out to cash app the next day to cancel my card and dispute the charges made against account to only get the run around for the next few days. Everytime I call cash app customer service there is no one that can help me and they basically tell me to do the same things over and over. They keep telling me that I need to verify my account which I do but then when I go to dispute the charges they tell me I have to do It all over again. I even had to get my parent 's involved because when I first started my account I was a minor so my dad had to be on the account as well. They said they could do anything about the fraud because my dads name was still attached and he would have to take his name off before I dispute the charges. My dad call and ended his sponsership but cash app is refusing to takes his name off the account leaving me no way to get my money back that was taken. I found it so disheartening that I can be the VICTIM of fraud and my whole savings wiped out and the customer service team for this company to treat me as if I dont matter!!! I have files other complaint with the XXXX, as well as the FDIC because I refuse to allow this person who stole from me to keep my money and I never be refunded. I'm prepared to take this however far I need to. I am a XXXX XXXX and that money that was in my account was for my books. I really hope that I can resolve this matter but I really feel like I am getting no where. and even though my account is closed and card is canceled they are still allowing unautherized purchases to go through.
Product: Debt collection

The address associated with the account I have never lived at and the loan is not mine I spoke with ad Astra collections and explained to them that the address was not mine nor am I associated with the address and I want it removed from my credit repot
Product: Credit reporting or other personal consumer reports

I am a cosigner on a vehicle. The vehicle Is being financed through Ally Bank. Ally bank submitted a 30 day late payment on XX/XX/year> along with past due remark on my credit which brought down my score over XXXX points. The owner of the vehicle assumed that the payments were being made because they thought it was on auto pay. I was unaware that there was any type of late payment or delayed payment until I looked at my credit and saw the XXXX point decrease because of that 30 day late payment and past due. I called them XX/XX/year> and paid the past due payment as well as the current payment. I called them asking if they can forgive/remove the 30 day payment since I paid everything the day after they reported. While also asking them to submit an off cycle reporting because I am in the process of applying for a business loan and the negative remark Along with the report, showing that it hasnt been paid has been severely affecting my ability to get approved for that loan. They ( Ally Bank ) refused to do both. They have been giving me nothing but a hard time. They refuse to work with me. The next reporting cycle is on the XXXX of this month, XXXX. I have even spoke to them about paying more in advance, so they see that that was a XXXX time fluke. And yet they Refuse to not work with me and or provide me with any type of forgiveness
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and The Family Educational Rights and Privacy Act ( FERPA ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, US DEPT OF EDXXXX : XXXX, XXXX XXXX XXXX XXXX have 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 person knows or has reasonable cause to believe that the information is inaccurate.

The Family Educational Rights and Privacy Act ( FERPA )
Product: Credit reporting or other personal consumer reports

On the XXXX of XX/XX/2023 I sent all three major credit bureaus letters asking them to verify my debt on my report. XXXX and Equifax answered immediately and prompt, XXXX on the other hand actually sent a letter on XXXX of XX/XX/2023 stating that they had no file on me that I would have to send all this information to them so they could identify me. I called the next day and confirmed my identity to them and in fact they did have a file on me and they would send out the verification and credit report immediately. So now XXXX Equifax and XXXX have sent back copies of my credit report and have also stated in writing that everything is verified correctly. 
As of right now my credit report id showing inaccuracies. 15 USC 1681 S-2 ( A ) ( 1 ) states that a person shall not furnish and information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second writter request to block information in my credit file that is fraudulent, my identity has been compromise in pass data breaches, I have account in my file that do not belong to me. Please block these account, note that there might some accounts that a not showing in my credit yet. 
I'm currently receiving collection mail from different place, i will report them as they come. I have follow the steps and filed an FTC complaint that is attach to this report. Thank you.
Product: Credit reporting

XXXX XXXX reported a debt by me to Experian. I disputed but paid it to remove. They did not send me a copy of my signature for debt ( XXXX ) and Experian said they verified the debt. Would not confirm how? I paid anyway to remove it but they also refuse to remove it. The original date was supposed to be XXXX but since extended to XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

DOES ANYONE AT LEXISNEXIS ACTUALLY READ THESE COMPLAINTS?? OR JUST SEND OUT " CANNED '' RESPONSES? I HAVE ASKED SEVERAL TIMES FOR LEXISNEXIS TO REMOVE A CHAPTER XXXX BANKRUPTCY FROM MY CREDIT REPORT. 

I HAVE NOT ASKED FOR IT TO BE " VERIFIED '' I AM ASKING FOR IT TO BE REMOVED. 

According to the Fair Credit Reporting Act ( FCRA ) a Chapter XXXX bankruptcy CAN remain on your credit history for up to 10-years from the filing date. the filing date was XX/XX/XXXX. 

There are some KEY PHRASES in that statement that need to be clarified : 1. " Can '' - The FCRA does not require that a bankruptcy remains on your credit report a full decade. 
2. " Up to '' - Again, 10 years is not a legal minimum, it is the maximum. So, legally, bankruptcy CAN BE REMOVED from a credit report before that limit is reached. 

Since the filing date was XX/XX/XXXX it will be REMOVED XX/XX/XXXX. 
I am requesting it to be removed now according to the FCRA. 

LEXISNEXIS stated in their last response the following : Mr. XXXX   name, previous address XXXX XXXX XXXX XXXX, MI XXXX and full social security number reported to LexisNexis by the nationwide consumer reporting agencies. 

In this above statement, again LexisNexis is " VERIFYING '' the info and that is NOT what I question. WHAT I AM ASKING THEM TO " VERIFY " IN THEIR STATEMENT ARE, THEY INDICATE THEY RECEIVED MY INFORMATION BY THE " NATIONWIDE CONSUMER REPORTING AGENCIES '' WHO? WHICH ONES? 

This statement contradicts what they state in their canned responses in the past that they get the information from XXXX. I have attached a letter that the bankruptcy court has sent to me that they do not report to credit reporting agencies. 

As I stated in this letter I want the bankruptcy removed and if LEXIS NEXIS can not remove it than I ask WHO has to remove it or WHO do I have to call to have it removed as it has 99. % reached the MAXIMUM time limit from the filing date of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on multiple occasions to get TransUnion to follow FCRA and in turn respect my rights in this matter. I have asked TransUnion to on at least 4 occasion to validate this account, as well as on multiple occasions as TransUnion to present me a description of the procedures used each of these disputes. TransUnion refuses to and even lied in one CFPB complaint stating that they would send it in the mail. No such information has come and even then they failed to follow FCRA and just opened up a dispute. What part of " FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY THIS IS A URGENT MATTER PLEASE EXPEDITE!!! NOTICE!!! DO NOT OPEN ANOTHER DISPUTE. THIS IS A PROCEDURE IN CASE OF DISPUTED ACCURACY '' is confusing you? nothing in this says open a dispute, in fact everything states do not open one and tells you exactly what is requested. The letter clearly states in bold red letters to not open a dispute and that this was a procedure request : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This letter is being sent via certified mail / return receipt requested and notarized, for pending lawsuit : Certified Mail # XXXX XXXX XXXX XXXX XXXX USPS Tracking # XXXX XXXX XXXX XXXX XXXX XXXX FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY THIS IS A URGENT MATTER PLEASE EXPEDITE!!! 
NOTICE!!! DO NOT OPEN ANOTHER DISPUTE. THIS IS A PROCEDURE IN CASE OF DISPUTED ACCURACY
Product: Credit reporting or other personal consumer reports

I have been disputing the debt form XXXX XXXX XXXX XXXX XXXX XXXX XXXX since day 1. it should have never been included in my credit report. Now it's showing up twice. The credit bureaus will do nothing to help me.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Vehicle loan or lease

I leased an XXXX XXXX in XXXX, after 3 service calls to replace the Turbo and Catalytic converter, I returned the junker and leased a XXXX model.Audi FINANCIAL double billed me for the XXXX lease and will not answer or return calls to fix this and put my new lease on AUTOPAY. Please go to XXXX website and see the customer reviews, they are all very negative. We wait XXXX hour and they disconnect or promise a callback that never happens. Their claim of great customer service is a fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Know that the following inquiry was not authorized. I have not reached out to to this company nor inquired about anything. There must be something wrong with Experian 's investigation which they should eventually correct. Please see the inquiry that isb unfamiliar to me. 
XXXX XXXX Date of inquiry XX/XX/2021
Product: Credit card

Received phone cal XXXX  from Chase Bank regarding a credit card I opened online 10 days ago. I told them I did not have a Chase card nor applied for one. She said she would close account. Then said my social security number was red flagged. Stating my number was compromised. She then switched me to a another guy that read me my social security number, 5 different card accounts out numbers. He went on to tell me XXXX  was changing me to much interest. I I could settle the amounts for a lot less.
Product: Money transfer, virtual currency, or money service

I made a transfer of {$25000.00} at the REGIONS BANK I AUTHORIZE XXXX XXXX at bank number XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Tn XXXX and transferred to the XXXX XXXXXXXX XXXX bank located at XXXX XXXX XXXX XXXX Fl XXXX to the XXXX XXXX account account number XXXX For an education course of XXXX XXXX XXXX XXXX for a contract that they did not fulfill and that the FTC sued against XXXX which is the name of the company of the course and that the FTC won demonstrating that fraud had been made and that in XX/XX/2023 when the lawsuit was won he recommended us to go to our BANKS REGIONS BANK to explain the situation and that we take the evidence in hand so that they would reimburse our money and WHEN I SPOKE TO THE CUSTOMER SERVICE of REGIONS BANK he recommended us to go to the nearest branch and as I moved TO XXXX I went to 3 branches of XXXX FLORIDA I put in more than XXXX disputes and they denied them to me, I talked to the customer service and they told me that I had to go to the physical branch and no one helped me and a branch of REGIONS BANK did not ask me for the proofs nothing that is to say they did not listen to me On one occasion an operator of the XXXX  area customer service even treated me badly. I told them that I had all the evidence in hand that it had been a fraud that came out in the media where the FTC sued WINNERS for fraud and the REGIONS BANK bank did not help me and in fact since I had nothing in the account for the money that I did not have, the account statements began to come out with a negative balance and I had to pay the commission and I had to close it because I did not have to pay that money and that's it I didn't have anything in the REGIONS BANK bank. I told them that they have insurance for this type of fraud situation and they didn't help me I RAN OUT OF MONEY AND I THOUGHT THAT THE BANKS REGIONS BANK WOULD HELP ME WITH THE REAL TESTS AND WOULD DO THEIR OWN RELEVANT INVESTIGATION AND IT WASN'T LIKE THAT Excuse me if any word is somewhat confusing I speak XXXX and I translated this with artificial intelligence
Product: Mortgage

I submitted information via XXXX XXXX to apply for a HELOC on XX/XX/2021. Several companies contacted me, but they all did so regarding cash-out refinance. I am a financial professional myself, so I know the difference. I was contacted by Supreme Lending, specifically one of their Senior Loan Officers, XXXX XXXX. I explained to him I wanted to apply for a HELOC. He said no problem. I was very clear to point out I was not interested in a refinance of my existing mortgage ( it is a VA loan, already at a very, very low rate, better than current market rates ). He said no problem, and began to gather necessary info. He ran my credit. He then came back and told me I had qualified. He then proceeded to tell me they would have to take first position ( refinance my existing mortgage ) in order to proceed with the line of credit. I was very upset about this, as it lowered my credit score a little ( it's still excellent ), and told him I felt he had been very misleading, like a 'bait and switch ' since I was very specific and clear about not wanting to refinance. I asked him to never contact me again, but I continue to received email inquiries from Supreme Lending, most recently today, XX/XX/XXXX, from a XXXX XXXX. Here is Mr. XXXX  and Mr. XXXX 's contact info : XXXX XXXX XXXX Loan Officer Supreme Lending ( XXXX ) XXXX XXXX XXXX XXXX Loan Officer Supreme Lending XXXX XXXX ) XXXX XXXX XXXX
Product: Debt collection

I do not owe a single dollar to the creditor it claims but received the letter to send the payment out of blue from the debt collector. This may be a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting act the list if accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602 A. States That I Have a right to privacy 15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) section States no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other TN an records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681 section 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its leg obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed inforn credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 
Dispute XXXX  and XXXX  no resolve.
Product: Checking or savings account

On XX/XX/2022, I visited the Chase Branch at XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX and spoke with XXXX XXXX to open an account. I provided XXXX with my Missouri drivers license, Social Security card and my U.S. Passport. While XXXX was entering information in the system an alert appeared stating to contact a 877 number. XXXX made several calls and was told that no new accounts could be opened for me. XXXX asked for a reason why no accounts could be opened, and I also inquired and there was no reason given as to why I couldn't have an account opened. 
I reviewed my XXXX and XXXX XXXX XXXX accounts and there is no notices found there either. I am requesting that Chase provide a written response as to why I can't have an account opened with them.
Product: Credit reporting or other personal consumer reports

Previous account status has been disputed. However American Express is now reporting that I am late with a payment of {$200.00} for the month of XX/XX/2023. The payment has successfully processed, this creditor is harassing me and improperly violating my privacy rights. 


In accordance with the Fair Credit Reporting Act American Express account ending in XXXX has violated my rights. 15 USC 1681 Section 602 : states I have rights to privacy 15 USC 1681 Section 604A Section 2 : It states a consumer reporting agency can not furnish an account without my instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose,
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Credit Card and Loan Services is horrible. I pulled my credit report and seen there was a balance from Wells Fargo Bank. I immediately contacted the company and they asked what am I able to pay. Due to my daughter being diagnose with XXXX she had to have XXXX and I was out of a job. I wasn't working and had no income. Because it was affecting my score, I borrowed money to pay them. I sent a certified letter and check for {$1000.00} for each account they claimed I owed. In the letter it states, if company cashed check, they are agreeing to remove the negative impact on my credit file and bring to zero. The company cashed the check on XX/XX/2021 and did not abide by the letter. It is still on my credit report and affecting me tremendously. So when I called the creditor the representative stated they do not read letters sent the payment is just processed. Keep in mind, the letter was stapled to the check, so how did they not see it?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have file disputes in XXXX and still havent receive anything. This should not take this long to get my results back 40 days is to long
Product: Credit reporting, credit repair services, or other personal consumer reports

The following hard inquiries have been made fraudulently, without my permission and I have requested ( evidence of the inquiries ) and disputed them in writing for which there has been no response for more than 60 days now. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX Inquiry : XXXX XXXX, XXXX Automotive ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX Automotive ( XXXX ) XXXX TXXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Automotive ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX