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

This complaint is regarding Cash App. 
XX/XX/2023, XXXX XXXX, someone hacked into my cash app and linked a bank card to my app and did an instant transfer of {$250.00}. 
I called Cash App and submitted a dispute. Cash app said they would investigate and could take up to 10 business days. Within 2 hours my dispute was denied, and the claim closed and the email I received told me to submit a request for documentation that was used as part of the investigation. I submitted the request for the documentation and received back a one line that had no new information other than the fake name of the person doing the transfer " XXXX XXXX ''. I would never refer to myself as XXXX XXXX. It should be noted that if someone is going to link their financial institution to their app, the name on the account should match the Cash App owners name. In this case it absolutely did not match. 
I have subsequently opened another dispute and since the first dispute was denied Cash app denied my second dispute. I called in and opened a third dispute and cash app closed that one because the first two were denied. Now they will no longer allow me to submit a dispute and I have been doing the investigation they should have done. I have called the bank where the transfer funds were sent. They state they are a pass thought and have 250+ card issuers they partner with. 
Based on the first 4 numbers and last 4 numbers on the card that was fraudulently linked to my cash app, and the APN reference number of the transaction, the bank is trying to track it down but needs all the card numbers linked to the transaction and Cash App is refusing to give this information to me. 
Cash App should be held accountable for allowing this fraud to happen and should be doing a more thorough investigation. I have spent countless hours doing my own investigation to recover my stolen money. Cash App refuses to do anything further on this matter. 
Please call me so I can provide you with all the evidence to this point. I am at a loss as to how I can recover my stolen money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contact the bureau about the inquires that appear on my account but nothing has happen they i have sent letters and filed disputes
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit line has been suspended : Because disclosure of use of information from obtained from a consumer reporting agency called XXXX. They ( BECU ) say the reporting agency played no part in our decision and is unable to supply specific reasons why we have denied credit to you when in fact they did. I have never been late in paying off my line of credit with BECU. So why is my credit being suspended for no reason? I have no outstanding balances on any of my other accounts the account in question at the BECU is XXXX line of credit. I think this is illegal and discriminatory since I have no outstanding balances any where. I want to take legal action and sue on behalf of the CFPB law passed recently plus I want my line of credit restored with a written apology.
Product: Credit card

I made an electronic check payment on XXXX XXXX, 2015 to First Progress for a secured Mastercard statement that was due on XXXX XXXX, 2015. I paid $ XXXX.This included a {$10.00} service fee for using customer service. The checking account that was used for payment was incorrectly inputted, with an erroneous " XXXX '' added at the end of it, which consequently resulted in the payment not going through. A week later, today XXXX XXXX, 2015, my card was declined at a XXXX. Upon contacting customer service, I was notified of this error. They refused to reverse any charges that occurred, including a {$38.00}, late fee, plus possible interest fees and returned check charges. 
I do not feel this is ethical on First Progress ' behalf. They at the very least owed me a phone call notifying me off this fact immediately, so that it could 've been rectified. I no longer wish to do business with them and request they reverse the late fees and any negative credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a old XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) bill that I have been paying on for over a year. Solomon and Solomon was the collection agency. But I worked directly with XXXX XXXX XXXX to pay it off. I have disputed this before with XXXX, they always say the same thing. It meets fair credit reporting standards. My first dispute was that the amounts were wrong, but this last time it was that I have paid it off. My original file date was XX/XX/XXXX. The amount they say i owe is {$2000.00}. My account is up to date. I disputed this same thing on my XXXX XXXX credit report and they did thier jobs a removed it. In less than a week.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.

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 than records of convictions of crimes which antedates the report by more than XXXX years. 

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.
Product: Debt collection

Someone has created debt through 'paypalcredit '. I paid off that acct. in XXXX of 2013. Since then, I did creat an acct. through XXXX '. Now that someone is using my acct. for transactions, I have paid off the 'XXXX acct.as well. 'Paypalcredit ' is threatening to send the {$1600.00} they say I owe to a third party collections bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company states that I did business with them in such a way that is false and iI asked them politely to delete the account but they chose not to. They are reporting that they loaned me a specific amount of money and that I secured the loan. And I have stated that I defaulted and or gave late payments ... I suspected this was a fraud company and stopped giving this entity money especially in the middle of a world pandemic.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform.Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my clams adequately. They informed me that rearing lost funds was impossible and that tracking these transactions was infeasible. The CFPB 'S findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Currently, Experian, XXXX and XXXX are reporting a Bankruptcy XXXX XXXX. I initially sent a letter to all three bureaus on XX/XX/2022, asking if this Bankruptcy could be validated. While waiting for a response I reached out to the Bankruptcy Court and asked if this information could be verified. In turn I was was advised by, Bankruptcy Court does not share or report information with XXXX, XXXX or Experian. Because I understand it takes time to process a validation requested, I waited until XX/XX/2022 to send another follow up letter. I had received no responses, therefore I requested for XXXX, XXXX and Experian to provide any supporting documentation that would validate this bankruptcy. Yet again I still received not responses. I sent XXXX additional letters on XX/XX/2022 and XX/XX/2022 requesting the bankruptcy be removed from all three bureau 's as none of this information has been verified. Furthermore there were also several student loan late payments and collections accounts on my report that incomplete and inaccurate reporting. As far as the Student loans, I had sent several letters dated XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022. I noticed there were several late payments indicating I was 120 days late however the previous month I was on time. How can you go from on time to 120 days late within 30 days. This is not accurate and should not be reporting. I have sent XXXX letters asking for validation and i have not received one response, or proof supporting the reportings. Lastly there had been some collections added to my report i had no knowledge of and again i requested for these documents to be validated and i haven't received anything. i have attached all the letters i have sent.
Product: Credit card or prepaid card

Credit card, brokerage, financial institutions rejected and refused to offer disaster impact assistance during the entire year of XXXX and XXXX. This resulted in several accrued fees and compound debt, including late fees, mis reporting to all three major credit agencies and preventing me from purchasing a home. Also, after putting in several phone calls and sending several letters dated back to XX/XX/XXXX, disaster impact by COVID 19 and unemployment was provided to ALL included institutions and nothing has been approved or adjusted in accordance with prior and recent legislative terms and conditions.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX JXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

EXPERIAN 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX h
as violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.
Product: Mortgage

I feel the bank should have not giving me the loan if the roof of the house was not good. 

I bought a house on XXXX/XXXX/2016, the inspector that I got to inspected the house ( recommended by realtor agency ) told me the roof had about 5 years left, and I was ok with that. A month after I bought the house the homeowners insurance notified me that I needed to replace the roof or I was going to be drop from the insurance. Needless to say, I didnt replace the roof and the insurance dropped me, so I went to a different homeowners insurance but they also dropped me for the same reason. Now because I cant get insurance of my own, the bank picked a homeowners insurance on my behalf thats more than double. 
I feel the bank should have notice the roof of the house was no good even though the inspector said it had 5 years left and stop the loan process? 

Now I need to replace the roof which is going to cost me about {$13000.00}, my other option was to keep paying for a high rate homeowner 's insurance.
Product: Checking or savings account

During this time of the coronavirus, I have been unable to leave my home due to a compromised  XXXX  XXXX. I have been unable to add funds to my PNC account. 

On XX/XX/2020, due to my account falling under {$500.00}, PNC charged me a {$7.00} fee. 

I tried to contact them online to receive a phone number. The line was busy when I called and then while waiting the call was dropped. No chat fee available. I have had the hardest time trying to contact them and am unable to go into a local branch. 

During this pandemic, fees should be waved due to people like myself who can not make it to a bank to deposit cash. Also, chat and online features should be made available if call lines are busy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX bank has impacted my credit score tremendously in a bad way I have noticed this account on my credit report and immediately called the company. The company basically said I have to pay even though I explained to them that I have no idea where this account came from. This account has been affecting my credit score a lot and I tried disputing with the company and nothing is working please help this has impacted my day to day life tremendously i finally check my report and they say I owe XXXX $ when I never seen or heard of this bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Companies failed to provide an accounting ledger and sign disclosures by law
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. 
As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed 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 the following accounts completely from my Credit Reports : XXXX : XXXX XXXX XXXX XXXXXXXX Balance : {$9800.00} XXXX  XXXX XXXX Balance : {$250.00} XXXX  XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX Balance : {$3100.00} EQUIFAX : XXXX XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX : XXXX XXXX XXXX XXXX Balance XXXX {$9800.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$0.00} Chapter XXXX Bankruptcy XXXX Liability : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not open these account, ive been a victim of identity theft
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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a dispute on my Experian credit report for an item that was incorrect. Experian resolved the dispute but removed the wrong account from my reporting. They removed my current auto loan from my finance company and my score dropped. I have documents and invoice statements and I need it readded and corrected, as well as my finance company has not reported on my Experian report since XXXX of last year. Im trying to buy a hous and move forward from my bankruptcy but unfortunately can not due to this issue and most creditors and lenders look at Experian first
Product: Credit reporting or other personal consumer reports

I made several attempts to resolve issues with company. I had several deaths in family during the time of accused late payments.
Product: Credit reporting or other personal consumer reports

am submitting this complaint as a victim of identity theft that has led to unauthorized accounts being opened in my name, specifically a fraudulent credit card account with XXXX  XXXX ( account ending in XXXX ). 

Key Details : 1. I first reported this fraudulent account to XXXX XXXX Fraud Department and submitted a formal FTC Identity Theft Reporta legally binding document affirming I am a victim of identity theft. 
2. Despite this, XXXX XXXX conducted an internal investigation and concluded that no error was found, dismissing my evidence without cause. 
3. I sought assistance from the XXXX XXXX XXXX Department, who informed me they do not issue police reports for such matters. They advised me to file an IC3 complaint, which I have now submitted. Since they advised me they will also dismissed it 4. XXXX XXXX has refused to accept my FTC Identity Theft Report or my recent IC3 report, forcing me to escalate this matter. 

Legal and Consumer Concerns : XXXX XXXX refusal to act on legally sufficient evidence violates my rights under the Fair Credit Reporting Act ( FCRA ). By dismissing my FTC report and refusing to accept my IC3 report advise in a call with the fraud department manager that they wont accept it even if I submitted it, they are revictimizing me and failing to fulfill their obligation to investigate and resolve identity theft claims properly. 

Supporting Evidence : FTC Identity Theft Report IC3 Complaint Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Credit Karma false pre-approval, guarantee approval but each of them have been denied I get no stop spams about loans and credit cards, Date : XXXX from XXXX XXXX XXXX XXXX, XXXX, XXXX, and XXXX credit card even after completely paying of the credit card the XXXX XXXX credit was closed. Ever since I trusted credit karma for to be secure and to help me obtain my credit rate goal in order to build a future has me mentally depleted and has put me in the worst position financially with hard inquiry and false approval promises. I am unable to apply for apartment, and house due to my credit. Worked hard to on building my credit just to find out I was being deceived.
Product: Mortgage

My mortgage was sold to Loancare and the immediately increased my payment to {$1500.00}. My previous payments were {$760.00}, with XXXX XXXX XXXX, who sold my loan to Loancare, LLC of XXXX. I had filed a complaint with the XXXX office. The terms of my loan have been completely changed. I 'm now being billed at the rate of XXXX. My interest payments are higher and my principle payments are lower. loancare has illegally rewritten the terms of my mortgage. Please review my case and inform me of any pending class action suits against Loancare. 
sincerely, XXXX XXXX
Product: Credit card

Synchrony Bank took over maintenance of my Amazon Store card. My payment for XXXX was returned by my bank. As soon as I realized this, I immediately paid the amount owed. I received an email from my credit monitor that the account had been closed as of XXXX/XXXX/15. I had just accessed the site and there was no mention of the account being closed. As of today, XXXX/XXXX/2015, there is still no indication the account was closed. I received a letter this week, XXXX/XXXX/15 that the account was closed due to too many returned payments. There was XXXX. I received the letter from Synchrony about the returned payment today, XXXX/XXXX/15. It was written on XXXX/XXXX/15. It does not take XXXX days for a letter to get from XXXX to XXXX. So I received the letter of a closed account before the letter of the returned charge. Looks like someone discovered they forgot to send the returned charge letter so they sent it after the closed account letter. The returned charge letter was sent presorted first class mail so there is no postmark. Meanwhile, I am expected to pay interest and finance charges on a closed account. This company seems to want to collect money without providing any services. I never received anything in writing from this company stating that the account would be closed if there are ANY returned payments. This seems like a very poor excuse to close a customer 's account. Especially if the customer has had the account for a long time with no problems. Writing to them does no good as they stick by their decision and just tell you you can reapply for a new account, but you can only reapply XXXX a year. A condition also not stated in writing. Can you please investigate to see who else they have gotten with this lame excuse and if my account can be reinstated? Maybe they will listen to you, if not to their customers. This company has taken over several of my accounts and thisi practice concerns me..
Product: Credit reporting or other personal consumer reports

I found a credit card from first premier bank on my credit report that was open in my name with a XXXX credit limit. I did not authorize this