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

A cashtag participant created a fake profile similar to a business which led to the transfer of funds to his account to the incorrect account. I informed the cash app immediately and no action was taken to stop the pending payment. As per the cash app disclosures : You may select a unique alpha-numeric name to identify yourself on the Service ( a $ Cashtag ). You may not select a $ Cashtag that misleads or deceives others as to your business or personal identity or creates an undue risk of chargebacks or mistaken payments, As per this portion of the disclosure, the individual on cash app was able to create a cashtag ID similar to a business to allow the misapplication of funds. Cash app allowed this misleading behavior and when informed did nothing to stop the transfer of funds. 

6. Peer-to-Peer Service Payment Amount Limits If youre sending large amounts of money over the thresholds described here, you will need to provide an additional ID so that we can make sure you are who you say you are. 

We will require you to provide us with additional identification information if you wish to send more than XXXX XXXX dollars ( {$1000.00} ) ( in any one transaction or in multiple transactions ) over any thirty ( 30 ) day period or to receive more than XXXX XXXX dollars ( {$1000.00} ) ( in any one transaction or in multiple transactions ) over any thirty ( 30 ) day period. Square may impose other limits on the amount you can send in any one transaction or in multiple transactions over any seven ( 7 ) day period, subject to some restrictions. We may adjust these limits at any time at our discretion. 

Furthermore, the transaction amount sent via cash app should have been verified as per the above policy. The total amount transferred required additional verification by cash app and this was not performed. 

The terms and service descriptions clearly indicate that cash app did not follow their of service in protecting individuals transferring funds on their platform and continue to deny the fraud that was demonstrated in my case. I am requesting a full refund of the funds that were stolen from me.
Product: Credit reporting or other personal consumer reports

I sent a letter out XX/XX/ to XXXX, XXXX and Equifax. Here are my certified mail return receipt tracking numbers. [ Equifax XXXX ], [ XXXX XXXX ], [ XXXX ] and I have attached a XXXX with copies of the green certified mail return receipt card to this complaint. 
However, it's been more than 30 days and the credit bureaus failed to send my investigation back. This does not make any sense. 
I thought they were bound by the reference below to maintain the completeness or accuracy of any item on my credit report. 
15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
In the letter I sent, the below accounts on my credit report were being disputed. 
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 The above accounts should be permanently deleted from my credit report. 
I have since made multiple attempts through complaints with the CFPB at informing the credit bureaus of improper use of my credit report and that there is a Problem with a credit reporting company 's investigation into an existing problem. On more than one occasion the credit bureaus where I filed a complaint with the CFPB took significantly longer than 30 days to complete their own investigation. I have provided all dates and complaint numbers below as they would paint the picture of the credit bureaus having no regard for the laws they are governed by as you can see the data in the referenced complaints below. 
XXXX XXXX EquifaxXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX EquifaxXXXX XXXX XXXX XXXX XXXX EquifaxXXXX XXXX XXXX XXXX Equifax- XXXX XXXX XXXX XXXX XXXX - Equifax- XXXX XXXX XXXX XXXX XXXX SINCE THEY HAVE ALREADY GONE PAST 30 DAYS ON THEIR RESPONSE TO ME MULTIPLE TIMES AS DOCUMENTED ABOVE... AND CONTINUE TO NOT REPORT ACCURATE INFORMATION, THEY NEED TO RESPOND TO THIS COMPLAINT WITHIN 24 HOURS WITH THEIR RESOLUTION OR DELETE THESE ITEMS FROM MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 

2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine. 

8. Identity Theft NAVY FCU Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Accounts have violated my rights. 
15 USC 1681 Section 602 States I have rights to privacy.

15USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account with out my written instructions.

15 USC 1666B : A Creditor may not treat patient on a credit card account under and open end consumer credit plan as late for any purpose. 

XXXX XXXX : this company is reporting fraudulent inaccurate information on my credit report. I requested that they provide me the proof where is wasn't paid off after sending a debt validation letter they never provided it but its still on my report. 

I have requested the negative things to be taken off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not my accounts , and students loans taken off
Product: Credit reporting or other personal consumer reports

I received an alert on XX/XX/2023 that CAP ONE NA did a credit inquiry on me. I did not requested or authorized this action. I called XXXX on XX/XX/2023 to mark this activity as a fraud and on the same day I called Capital One to notify that I filed a dispute with XXXX. Capital One didn't give me information about the Inquiry, but they recommended me to mail a fraud report for them to conduct an investigation.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to dispute certain personal information appearing on my credit report maintained by your bureau.

Upon reviewing my credit report, I noticed discrepancies in the personal information section, which I believe is inaccurate. I am requesting your assistance in investigating and correcting this information. 
Below is the personal information that needs to be reviewed and potentially removed or corrected from my credit report. ( XXXX XXXX XXXX  XX/XX/year> ) .I certify that the personal information provided above is accurate to the best of my knowledge. I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. 
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. I am requesting that you investigate the discrepancies mentioned above and promptly remove or correct any inaccurate information from my credit report. 
Enclosed with this letter are copies of documents that verify my correct personal information, including a government-issued identification card and any other supporting documents.

By the provisions of the Fair Credit Report Act, I demand that these items be investigated and removed from my report. 
It is my understanding that you will recheck these items with the creditor who has posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of 5 my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past 6 months. 15 USC 6802 Obligations were to respect to disclose of personal information XXXX XXXX  opt out. A financial institution may not disclose non public personal information to a non public affiliate or third party. 15 USC 1692F part 6 unfair practices, talking or take any non judicial action to effect or dissent disabledment of property. Theres no present right to claim it. Sincerely
Product: Debt collection

This company was aggressive about collecting debt, but then would not provide details on an agreed upon payment plan. Eventually I saved enough to pay the debt in full and they charged the full amount of the debt twice.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  : Account number XXXX XXXX XXXX  XXXX Account umber XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days an
d to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I filled a dispute on XXXX XXXX XXXX and XXXX  XXXX account number XXXX  due to FRCA section 605B which it is illegal to publish anything on my credit report with out my permission which I did not give Experian. Experian did not publish any proof of these accounts to me and yet they came back saying the accounts were correct and they weren't going to fix them. I was recently notifies that the CFPB has filed a lawsuit against the company Experian. The lawsuit alleges that the company is accepting unreliable information, failure to notify consumer of dispute results. This aligns well with my situation. Experian has not attempted to remove, nor correct any information. I am requesting this derogatory remark be removed or corrected immediately as it is affecting my chances of getting a new car. Experian violates my rights as a consumer, as we as federal laws.
Product: Debt collection

Had a car through credit acceptance about 8 years ago car was totaled and insurance payed from what I understood, the dealer I purchased from died so I couldnt go back there ... I finally got the account closed and removed from my credit report and worked hard to build my credit back and they have now put it on bureaus again they are lying saying its new and Im still paying on a car so when I dispute it as being old it reposted back as accurate. I cant seem to get any help from transunion bureaus due to this falsehood to remove it. This count shows the age but they make it look as if it is an open account and that I am just late paying, it is fraudulent as the account was closed.
Product: Credit card

RE : Adverse Action Dear SYNCHRONY BANK, I, the consumer and natural person, was denied credit by SYNCHRONY BANK when I applied for a BUSINESS CREDIT CARD WITH SAMS CLUB Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k.

You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against by SYNCHRONY BANK due to the response I received. 
SYNCHRONY BANK is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued.

Furthermore, because my social security number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of SYNCHRONY BANK If SYNCHRONY BANK fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make SYNCHRONY BANK criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o. 
I will also follow up with an invoice for said violations ( { {$10000.00} } per violation ). 
Thank you, XXXX : XXXX / [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Bank account or service

On XXXX/XXXX/16 I went into a Wells Fargo branch to close my checking and savings accounts. A banker told me I had XXXX due on the account. I gave her XXXX in cash, and she purportedly closed the account. The account remains open, despite calling the bank numerous times and having the bank assure me the account is closed. Even worse, the account is racking up overdraft fees. I now allegedly owe {$140.00} for an account that I closed.
Product: Mortgage

XXXX XXXX, XXXX, is the Trustee for XXXX XXXX XXXX XXXX XXXX  Pass-Through Certificates Series XXXX and is in the process of evicting us from our home. This eviction is based upon an illegal foreclosure and sale that was carried out by Wells Fargo Home Mortgage ( ASC ). The fraud centers around Wells Fargo Home Mortgage leading us into default without our knowledge in order to qualify for a loan modification in XX/XX/XXXX. They told us to stop making payments in order to qualify for a loan modification. They had no intention of making a loan modification. Wells Fargo Home Mortgage was the agent for XXXX XXXX, XXXX, and it is not known whether they were simply following the instructions of XXXX XXXX, XXXX The complaint against XXXX XXXX, XXXX, is that they have been informed some time ago about the illegal foreclosure and sale of our home and they continue their efforts to evict us. The are aware of many acts by their agent, Wells Fargo Home Mortgage, of fraud and tactics they used in servicing our mortgage and countless others. What isn't known at this time is the involvement of XXXX XXXX, XXXX, in the acts that Wells Fargo Home Mortgage inflicted upon us and other homeowners. This includes the placement of our mortgage ( predatory loan? ) into a government guaranteed trust. It also isn't known if XXXX XXXX, XXXX was giving instructions to Wells Fargo Home Mortgage as their agent in the fraudulent acts that they committed. 

I am a XXXX year old XXXX veteran with an XXXX XXXX and the acts of Wells Fargo Home Mortgage and possibly XXXX XXXX, XXXX, caused me to lose my company, income, my company stock, my company retirement, and I was forced to file bankruptcy in XX/XX/XXXXto protect my home from foreclosure. I am simply looking for fairness in my losses and get my house back.
Product: Payday loan, title loan, personal loan, or advance loan

I never finish pay the loan because the interest, I pay XXXX a month, buet is just the interest. I do not want to lose my car because of this, I think I pay the loan XXXX times. 
I need help please with this issue. I have health problems and I can not make payments. 
I borrowed XXXX but the interest is a lot. Loan Star Title Loans on XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX. Please I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The Credit bureaus stated the account was thoroughly investigated but how is that possible if these two accounts XXXXXXXX XXXX  and XXXX XXXX were deleted from my XXXX consumer report after a thorough investigation as you can see in the attached document of my XXXX XXXX account.
Product: Credit reporting or other personal consumer reports

Greetings XXXX Today is XX/XX/2024 I received your Verify Accurate for the Accounts on my Consumer Credit Report. I requested DOCUMENTS from each COMPANY and they DID NOT SUPPLIED PROOF OF PURCHASE AGREEMENT.
Product: Vehicle loan or lease

I returned the car back with the keys and everything they are still telling me because of I didnt finish paying the car off im going to owe more than they are selling for can you guys please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am disputing a hard inquiry on my credit report. On the night of XXXX/XXXX/2022, my older brother, XXXX XXXX XXXX, applied for a credit card with Capital One online. Within seconds of his submission, I received a hard inquiry for the application instead of his which makes an effect on my credit score and report. There could be a mix up between our credit information with XXXX as both of our SSNs are almost identical except for the last number ( my guess for this situation to have occurred ). 

I placed a dispute with XXXX online that same night and received an update that their investigation was complete the next night on XXXX/XXXX/2022. The report they provided me was that the hard inquiry was accurate and that Capital One should clear up the information on their end or fix it with XXXX. However, I called Capital One today, XXXX/XXXX/2022, and was told that the information under my brothers account and application were correct and that my account and information were correct as well. We were able to verify our names and socials within Capital Ones system and found no error there. I was told by Capital One to reach out to XXXX again for the hard inquiry and to let them know that Capital One has the correct information and was verified by my brother and I. 

This hard inquiry does not belong to me and should be removed from my credit report. I still do not know how and why I received the hard inquiry when the application was all under my brothers information.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING ACCOUNTS ARE INACCURATE AND UNVERIFIABLE. 
1 ) XXXX XXXX XXXX XXXX 2 ) XXXX  XXXX XXXX XXXX I Have disputed the accounts listed above with all three of the following companys, ( XXXX, TRANSUNION AND XXXX ) These companys have failed to provide me with any proof verifying the accounts listed above. Which to my understanding a violation of my rights according to the FCRA.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my school and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Checking or savings account

I had an incident happen to me back on XXXX 2021. I was a victim of fraud. I used my card as part of an unauthorized transaction of {$1000.00}. The person who initiated the fraudulent act requested gift cards from me. I filed a claim with Wells Fargo and they denied my claim. With the claims in XXXX this was emotional and the bank should have restored my losses or not allowed me to go through with the transactions. I am due {$1000.00} in restitution damages. Claim number was XXXX and XXXX
Product: Debt collection

I held an account for XXXX XXXX XXXX XXXX internet services from XXXX XXXX XXXX. When I left the service address, I requested for the account to be closed. In late XXXX, I began receiving collection notices at my new residence for billing charges that were accrued after XX/XX/XXXX in the amount of {$170.00}. As stated above, I did not occupy the residence while the charges were accrued, nor did I hold any XXXX XXXX XXXX  account or receive any billing notices for these charges during this time. If this is otherwise, this is in error. In XX/XX/XXXX, I contacted XXXX XXXX XXXX customer service and the representative confirmed the charge was in error and ensured me that the charge was removed from collections. However, I recently applied for a new mortgage in XX/XX/XXXX and it was brought to my attention that this collection remains on my credit report. I was not contacted for any collection attempt ( either phone or mail ) after this date. This collection attempt will cost me thousands of dollars on my new mortgage due to increased interest rates and closing costs. Otherwise, my credit report is excellent. 

Over the past month ( XX/XX/XXXX ), I have contacted XXXX XXXX XXXX numerous times about this dispute and have spent approximately 5 hours on the phone with their customer service representatives and an additional 2 hours in a corporate office. I was instructed to contact Fraud, XXXX services, Billing, Collections, and general customer service, all of which were unable to help resolve the issue and transferred me to another department. My attempts in the corporate office were also unsuccessful as they informed me they were unable to view my account. On two occasions, I was promised that I would receive a call back from a supervisor. Specifically, on Tuesday ( XX/XX/XXXX ) XXXX ( Employee ID XXXX ) informed me that he could not process the request but his supervisor, XXXX, would be able to and she would contact me by end of day. On XX/XX/XXXX, I spoke with XXXX ( supervisor ) and she informed me she would contact me within 1-2 minutes of hanging up the phone as she had to walk to her desk to access the account. Each time, I never received a call back. Through the advisement of my attorney, I attempted to complete a Notice of Dispute form online XXXX XXXX XXXX on numerous occasions ; however, this form is not a functioning form and does not allow you to submit ( I attempted to submit via multiple internet browsers ). Therefore, I mailed the signed Notice of Dispute form to XXXX XXXX XXXX at the specified address on XX/XX/XXXX ; however, I have not been contacted by XXXX XXXX XXXX regarding this matter. 

I am requesting for attempts at collection to stop immediately. I am requesting for this collection attempt to be removed from my credit report immediately. I am requesting that XXXX XXXX XXXX  confirm, in writing, the charge was an error and remove the collection attempt from my credit report.