23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX, I received 36 payment notifications from CashApp showing payments to XXXX XXXX XXXX. Of these 36 transactions, CashApp declined 9 of them sporadically and notified me that they denied them because of suspected fraud. All of these charges occurred in less than 30 minutes. I contacted Support and was told that once the charges were no longer pending, I had to go in and dispute each charge, one at a time. I disputed the charges. I began receiving emails that I had to verify my identity on XX/XX/XXXX. I got on my CashApp to verify my identity with my drivers license and a picture of myself. My identity was verified on all disputes except for 1. It stated it couldn't confirm my identity. On XX/XX/XXXX I received an email from CashApp telling me that my CashApp account had been closed and that I could withdraw any existing funds from my account but that was it. They proceeded to refund 3 of the fraudulent charges but will not give me an answer on the remaining 24 disputes. Only that they have no more information to give me at this time. I also filed a dispute with XXXX because I do not have a XXXX account. After doing a little research, this problem has been ongoing for over a year with CashApp and XXXX fraudulent charges and they have done nothing to prevent it. The same person 's name is being used to steal thousands of dollars from individuals and CashApp nor XXXX XXXX is taking responsiblity for it. I, myself, am out over {$110.00} which is small compared to some. Their lack of communication and failure to send me the documents that they say they manually reviewed in denying my disputes, is a great cause for concern. These Mega giants are costing consumers a lot of money by their lack of protecting our accounts. If CashApp felt there was fraud in the 9 transactions that they declined, they should have declined all the others that were made by the same account on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported a fraud that are hard inquiries these were placed on my account that aren't mine. 
XXXX and Equifax investigation took a day and didn't bother with my FTC nor deleted the inquiries that aren't mine. Iv called everyday the get this resolved and now feel like me rights haven't been taken seriously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have a debt or a contract with National Credit Systems and they are reporting inaccurate information on my credit report on XXXX. 

I dont give them permission to report this information and ask for an immediate removal
Product: Mortgage

I contacted mortgage broker XXXX XXXX, XXXX with XXXX in XXXX of 2015 to get a mortgage pre-qualification to begin shopping for houses. When we found a house that we loved and made an offer in early XXXX we requested a closing date of XXXX XXXX in the offer based on what XXXX indicated would be a reasonable amount of time to secure the mortgage. On XXXX XXXX I went to XXXX 's office to sign all of the application paperwork and asked again if we would be on track for a XXXX XXXX closing and was told that we should be OK. I was asked for various documents along the way and always responded quickly, normally the same day. I followed up a few times about the date since I was planning to secure friends to assist with the move and we were selling the existing house that we were living in the following week. On XXXX XXXX I received a conditional commitment and was told that we still looked good for a XXXX XXXX closing but they just need to tie up a couple things. The issue came on XXXX XXXX, I sent an email asking for a status at XXXX XXXX and received the following response at XXXX : " We got all of the conditions related to you cleared ; however there is a condition related to the appraisal which should have been cleared by the appraiser earlier this week ( basically, an " explain why you did XXXX on comp # XXXX '' type question ), which the appraiser did not take care of before leaving on vacation for this week. We are requesting " backup '' to see if the appraisal management firm can fill in for him on it, but since it 's an explanation of a judgement call I ca n't say for certain whether than can be cleared before next Monday. So that makes it likely that your closing gets pushed to the middle or end of next week. " Basically I was told about one full business day prior to the date I was supposed to close that it could not happen. I had time scheduled off work, a rental truck reserved, friends planning to assist, had to make the sellers of our other house adjust their timing. The feeling I got was that these things happen in this industry and everyone pointed fingers at it being someone else 's fault, the underwriter needs something, but the appraiser is on vacation, the broker can do anything with United Wholesale Mortgage, and XXXX would not give any information to applicants, etc. I understand that things happen, but to be given such little notice was extremely stressful and resulted in additional costs of having to pay movers and adjust my schedule - let alone settle in to my new home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX  and Transunion are reporting incorrectly a current balance due of {$23000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The original amount reporting is {$570.00}. ( Please see page attached from my previous credit report. ) Clearly there has been a typographical error in reporting. This account could not have gone from reporting an amount of {$570.00} to {$23000.00}. This incorrect reporting is seriously harming my credit score and  this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to report inaccurate information. I have contacted the bureaus to remove this however, I have not been successful.
Product: Debt collection

I recently found accounts on my credit report that I didnt authorize, and they seem fraudulent. I ask that these be removed and blocked right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had to get a new XXXX XXXX XXXX account due to fraud last month. The account is not closed, I just got a new account number and card with the same available credit line. XXXX reported the account as closed which caused my credit score to drop several points and for my total available credit, average age, and total number of accounts to incorrectly be reduced as well. I notified the credit card company as well as XXXX. The issue seemingly was resolved when the card reported under the new account number with the updated balance and my average credit age, available credit, total number of accounts went back up and I gained back a few points on my score. However, i'm seeing again today that XXXX is incorrectly reporting the account as closed, and the score dropped XXXX points, and the total available credit, average age, and total number of accounts went down erroneously again. The account is not closed and I'm not going to be losing any points off my credit score because of some jerk trying to commit fraud and XXXX did the sme wrong thing again.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, after I review my credit report I found multiple erroneous information on it that did not belong to me. After reviewing with details I saw multiple addresses that did not belong to me, So, on XX/XX/XXXX, submitted documents to the credit Bureaus requesting to update my address and remove all other addresses that did not belong to me, unfortunately, after more than 1 year ago, I review my updated Credit Report and I noticed that they updated my address but they did not remove the rest of the inaccurate addresses on the EXPERIAN and XXXX report, I attached the file that included the addresses that I want to be remove, I am now, taking the extra step, because I really need these addresses off of my credit report.
Product: Credit card

On XX/XX/2024 I was charged around {$2600.00} by an IT company ( XXXX XXXX ) that I've never worked with. I called Bank of America 's fraud protection team right away and they freeze the transaction and issued a new card. Fast forward to XXXX my claim was denied and the only thing that they based that decisions on are some receipts that any company with an e-commence membership can generate, I called them again and they say they will reopen the claim and investigate but at this point I'm filing a complaint to hopefully get them work something out with me.
Product: Credit reporting or other personal consumer reports

In XXXX  I dispute a account from ally financial as fraudulent someone purchased a bet in my name I disputed it with ally financial sent police report and other records the account was deemed fraudulent and removed off my credit reports except equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple requests by mail to have the initial and extended fraud alerts removed from my credit report and they refuse to do it
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX {$13000.00} XXXX {$9100.00} XXXX {$4600.00}
Product: Debt collection

I have written and written this firm many many times with no response. they are reporting on my credit report and will not send me any information about the debt they are reporting. This firm keeps verifying with the credit bureaus without having validated it with me which is a violation of the law. They just ignore consumer mail i guess. this is causing me financial hardship and the continued reporting of an unvalidated unverifiable debt is illegal.
Product: Checking or savings account

Since last year my family has been misleading me financially since my cousins work for Wells Fargo and I know that they give my family information about our personal accounts. For several months now I have been seeing dubious charges on my account and I have been making claims for reimbursement of money from the dubious charges on my account and since I know that my cousins work for Wells Fargo and she helped my mother open bank accounts for people without documents and open accounts in the names of different people that do not exist, I called the bank on XX/XX/XXXX to file a complaint about the lack of professionalism of the employees and they had me waiting in line for more than 2 hours and they never answered me or resolved anything for me. So two days later, asking for a loan, they deposited a check in my name as if I had done it, they made the decision to close my personal account with Well Fargo.In addition, my family owns restaurants and since XXXX they have been issuing checks in my name as if I were still working for them and I have not worked for them since XXXX, but since the bank account they have is with the Wells Fargo company, it is my cousins who work who cash the checks in my name to my mother 's and that is why when I wanted to do my XXXX taxes I realized that I supposedly worked and received checks cashed in my name for more than XXXX XXXX dollars and now I have a fraud report because of Wells Fargo
Product: Student loan

Today XX/XX/XXXX I became aware that the student loan company I signed up with in XX/XX/XXXX was actually a third party servicing company who was not using my payments towards my loan. This came about when I tried logging in to XXXX XXXX online account and the questions for forgetting my password did not line up with any that I would have selected. I called XXXX and they informed me of a second email that was tied to my account that I didnt know as well as paperwork with blatant lies filed with them on my behalf.
Product: Credit reporting or other personal consumer reports

I just want to erase this unauthorized accont from my credit report that I didn't made it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please have these accounts corrected for once : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account # ending 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 agency can not furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

Hello : First Data is a terrible, unethical and illegal merchant credit card service because : ( 1 ) they always take the money out of your checking account first before you are allowed to get a warning, or respond to a frivolous fraudulent, illegal thieving charge back from a criminal client ; ( 2 ) you only receive the physical charge back notice weeks after the money has been removed from your account ; ( 3 ) this policy of removing the money even before a warning or ability to respond, in contrast to 99 % of the credit card merchant services I have used in the last XXXX  years of law firm business causes checks to bounce, payroll to bounce, taxes to bounce, rent to bounce, insurance policies to bounce, etc etc - causing untold permanent damage with 100s of other damages to life, liberty and property in violation of untold myriad federal and state laws, as well as the United States Constitution ( First Data, ie, FISERV, being upon information and belief a XXXX XXXX company doesnt care about the US Constitution, evidently ) ; ( 4 ) aids and abets XXXX and XXXX XXXX upon ones small business with the above referenced behavior - which can often ( and usually is ) committed against a targeted CEO or employee of the small business by enemies, exes, competitors, foreign and domestic intelligence agencies, XXXX, XXXX XXXX and any other type of agent saboteur or provocateur. 

Please urgently investigate and punish not only First Data corporation, but also the credit card charge back offender. 

Thank you, XXXX
Product: Student loan

Navient ( formerly XXXX ) has been harassing me DAILY, calling my work/office phone numbers ( in-office and work mobile ), as well as sending me faxes at work and calling my personal mobile phone number throughout the day. They are jeopardizing my job with this incessant harassment. I have sent them a cease and desist letter, as well, and I have copies of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to resolve this matter on my own several times over the past year in half and I am beyond emotional exhausted with no getting a response I have not received a response from them in over XXXX XXXX per my last letter an as law allows them to respond to me with proof I gave them consent to share my personal alleged transactions. These accounts were under my bankruptcy an have no reason to be on my report. They are sharing my information with 3rd party companies and making a profit without my consent or knowledge which is identity theft.please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or ( ANYCOMPANY ) such authority.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently received a copy of my credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 
Page 35 | 43 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
Product: Debt collection

My lease with XXXX XXXX XXXX  was until XX/XX/XXXX, I moved out on XX/XX/XXXX. The early move-out charge was {$1900.00} UNLESS I get a tenant to take over my lease. When I got the tenant to take over my lease, they told me they already rented out the apartment and nevertheless, I was still responsible for the entire move-out charges. The new tenants moved in on XX/XX/XXXX. I paid rent from XX/XX/XXXX to XX/XX/XXXX. They are still billing me for the move-out charge. 
XXXX XXXX did not inform me that they were sending me to collection. I found out by checking my Credit Reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB Complaint to request the Credit Reporting Agencies that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$740.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX Balance Owed : {$22.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

This financial institution, VEROS CREDIT LLC is in clear violation of the following sections of the law ; ( 15USC1642 ) ( 15USC1681m ), ( 12CFR1002 ) and are subject to criminal liability for violating ( 15USC1691 ). On ( 04/18/2024 ), VEROS CREDIT LLC pulled a copy of my XXXX  consumer report without written authorization or permissible purpose pursuant to both 15USC1681 ( B ) and 18USC1028 ( A ). On ( 04/18/24 ), VEROS CREDIT LLC sent me a notice that I was denied credit for a XXXX XXXX XXXX application from dealership XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX. According to the Equal Credit Opportunity Act which is codified in 15USC1691c and pursuant to civil liability under 15USC1691K, Adverse Action against a consumer is AGAINST THE LAW. I have proof that I was discriminated against by VEROS CREDIT LLC due to the response I received from you on ( XX/XX/XXXX ). My social security number ( credit card ) was used by Veros LLC to make an application for financing the vehicle XXXX XXXX XXXX XXXX XXXX, in good faith and credit was not issued. Therefore, because I received no benefit, due to your company denying me of my own credit, this is fraudulent activity on behalf of your financial institution ; Veros Credit LLC ( unauthorized use of credit card ). As the original creditor in any credit transaction, only I decide if I was approved or denied an extension my own credit. If Veros Credit LLC fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card in the next XXXX days, I will have no choice but to make your financial institution criminally liable for all actual damages pursuant to 15USC1681 ( n ) and 15USC1681 ( o ). I will also follow up with an invoice seeking {$10000.00} per violation of the law found in this transaction.