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

From the dates of XX/XX/2020 through the present date of XX/XX/2020, the credit companies of XXXX  and XXXX  have incorrectly reported the balance of my Total Visa Card as {$620.00}. The correct balance for this time period is {$0.00}. I have filed numerous disputes From XXXX through XXXX to correct this situation, but the results have not initiated a change in the incorrect balance. This has resulted in damage to my XXXX XXXX from XXXX of this year. Now there systems are refusing to allow me to further dispute this incorrect balance and I'm receiving no cooperation from there live agents. They are consistently giving me scripted answers that are only frustrating me and lowering my credit score. Because of this incorrect reporting, my application for a personal loan with XXXX XXXX was denied on XX/XX/2020. My Total Visa Card is listed as XXXX  on my credit file.
Product: Money transfer, virtual currency, or money service

To Whom It May Concern, I am filing this complaint regarding unauthorized transactions on my XXXX XXXX XXXX  account that were processed through Cash App. On XX/XX/year>, I was contacted by a representative from XXXX XXXX XXXX  corporate office, XXXX, regarding suspicious check deposits being processed after hours through Cash App. At the time of the call, my account was approximately - {$800.00}, but I was informed that these transactions had been occurring for weeks and that my negative balance would eventually exceed - {$8000.00}.

I was told that these transactions were being approved and processed after hours without my knowledge or authorization. Despite this, XXXX XXXX XXXX stated they could not stop or block the fraudulent transactions, nor could they put a hold on my account. I was advised to contact Cash App, as they were responsible for processing these unauthorized checks.

When I contacted Cash App, I was met with dismissive and unhelpful responses. Their representatives refused to provide clear information regarding the type of charge that made me liable and transferred me multiple times, each interaction becoming more demeaning. Despite my insistence, no one could explain why Cash App approved fraudulent checks or why they refused to assist me in recovering my stolen funds. They also implied that I must have shared my credentials, which I did not.

Further investigation revealed that multiple fraudulent checks were processed just below {$450.00} each to avoid triggering fraud alerts. Cash App failed to detect or prevent this pattern of fraud, and XXXX XXXX XXXX  refused to intervene. As a result, I am now facing severe financial hardship, eviction, and homelessness, despite having been financially stable before this fraud occurred.

I have attached documentation, including : My initial communication with XXXX XXXX XXXX  on XX/XX/year> Bank statements showing the fraudulent transactions The banks final response after its internal investigation Proof of financial hardship and eviction proceedings I am requesting a full investigation into Cash Apps handling of these unauthorized transactions and XXXX XXXX XXXX refusal to protect my account. Additionally, I am seeking a resolution that includes the reversal of fraudulent charges and an acknowledgment of both Cash Apps and the banks failure to prevent financial harm.

This situation has left me in a dire financial position, threatening my housing, livelihood, and well-being. I urge the Consumer Financial Protection Bureau to take immediate action to hold these institutions accountable and prevent further harm to consumers like myself.

Please let me know if you require any additional documentation. Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card

On XXXX/XXXX/2015 a credit card application for Kay jewelers was falsely submitted in my name XXXX XXXX. I found out about this from XXXX which is a Identity theft protection service on XXXX/XXXX/2015. I did not submit any application to Kay jewelers for a credit card but yet it was done by them. I spoke to a manager in the credit card issuing department and I was told that there was no recent applications on me to apply for a credit card. I then called XXXX and was told by them their was definitely a hard inquiry of my credit from sterling/ kay jewelers on XXXX/XXXX/2015. I would like someone to see why this happened and resolve this problem as well as having them take this false credit check of my credit report. I spoke with them about removing it as well and they proceeded to tell me they did not do the credit check. I XXXX XXXX give permission to pull my credit report for verification for this complaint, thank you
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

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

when i applied for a truck loan in XX/XX/2016, when they ran my credit, none of my creditors showed up on my report except for 1 account that had already been closed. i ordered my free credit report and upon receiving it in the mail, it has none of my creditors on it. i called them to file a complaint and they said to call the companies to see if they were reporting to the agency. i did that and was told they are reporting as always. yet still after a year of trying to get to the bottom of this it, my credit report is still BLANK. No  one is able to help me, I've called numerous people for help and am getting no where. HELP!!
Product: Credit reporting or other personal consumer reports

I am attaching an FTC report containing XXXX fraudulent accounts! This is not a duplicate I am addressing the issue with 2 files not being able to be opened in a previous CFPB report containing a FTC report in accordance to FCRA 605B 4 day block due to identity theft. In this complaint I will attach files of my drivers license and social security card with bank statement to verify my identity along with the updated FTC report to hopefully bring about a resolution of these items being blocked, removed deleted.
Product: Checking or savings account

Huntington Bank will not honor my dispute in good faith in crediting my account for charges using my debit card that I did not make!
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains 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 this item is being reported correctly? Who verified this item? 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 items 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 ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XX/XX/XXXX
Product: Credit reporting

TransUnion re-inserted previously deleted information regarding a collection item from XXXX XXXX of {$300.00} originally from XXXX XXXX, which is NOT a valid collection item as it was discharged in chapter XXXX bankruptcy in 2011. 
XXXX and XXXX have removed the XXXX XXXX. TransUnion removed XXXX XXXX item and then added it back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter last month on XX/XX/2023. I told the credit bureaus to investigate every information on the accounts I have listed below. Also, I have attached the letter I sent out. 

According to the FRCA the term " Investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law? Also, all information on these accounts is still not reporting 100 % accurate. According to the FCRA 15 USC 1681- everything has to be 100 %. I have the credit report showing the inaccuracies. 

Listed as follows- XXXX- not mine- not verified! must be removed! 
XXXX  XXXX XXXX-Account # XXXX not verified/ not accurate- must be removed! 
XXXX not mine/ not verified! must be removed! 

Inquiries- Must be removed- never approved by these companies. 
XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Vehicle loan or lease

I am a victim of Credit Acceptance ( CAC ) deceptive loan practices. Their deceptive practices include their algorithmic determination for loans, how that algorithm is then used to incentivize dealers to overly inflate vehicle prices, how the true cost of CAC credit is higher than disclosed on the CAC loan agreements and they are quick to reposes a vehicle once they hear from you that you will have difficulties with the loan payments. 

I purchased a vehicle through CAC in XXXX and made timely payments until I fell on financial hardship. In XXXX I reached out to CAC to attempt to resolve or lower my payments to no avail. I reached out again in XXXX to try to turn the vehicle in but received no feedback or assistance and repossessed the vehicle within 24 hours of me trying to turn it in.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX  are reporting 6 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 6th dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Debt collection

XXXX. Sometime before XX/XX/2021, an annual consumer credit report was requested by me XXXX. Upon review of the reports, noticed a collection account reported Receivable Management Systems. 

XXXX. After seeing this error, I immediately disputed the alleged collection account with the credit bureaus. 


XXXX. After an investigation, the bureaus came replied stating the account was verified with Io, INC. name and address. 


XXXX. On XX/XX/2021, Io, INC ( Receivable Management Systems ) caused to be delivered to me a letter ( " Letter '' ) in an attempt to collect the alleged debt. 

XXXX. Claiming some time prior to XX/XX/2021, an obligation was allegedly incurred by XXXX to XXXX XXXX. 

XXXX. The Letter is a " communication '' as defined by 15 U.S.C. 1692a ( 2 ). 

XXXX. The alleged Patient first obligation is a " debt '' defined by 15 U.S.C. 1692a ( 5 ). 

XXXX. Io, INC ( Receivable Management Systems ) contends that the alleged debt is that their records show debt is still due and owing as of the date of the letter. Also, the dept has accrued late fees of {$48.00}, and a collection fee of {$40.00} and Because interest, late fees, and other charges may vary from day to day, the amount due on the day you pay may be greater. 

XXXX. Io, INC ( Receivable Management Systems ) collects and attempts to collect a debt. 

XXXX. Unable to find records of the alleged collect accounts claims and suspicion of the authenticity of the document sent in the letter that offered no copies of original documents. 

XXXX. On XX/XX/2021, I sent Io, INC ( Receivable Management Systems ) a letter requesting proof of legal claim to the alleged Debt or removing the derogatory account from the Plaintiffs credit report. 

XXXX. The Letter stated in part : On XX/XX/2021, I received the documents you sent to validate the debt. Let me inform you that a debt is owed does not give you the legal right to collect on the debt? 

XXXX. There was no action from Io, INC ( Receivable Management Systems ) as far as proving the legal claim to the debt or removing the account from XXXX 's credit report. 

XXXX. On XX/XX/2021, I sent another letter. 

XXXX. The letter stating in part : On XX/XX/2021, at XXXX pm, your office received my request for Receivables Management Systems, also known as Io INC, to validate the debt you claim that I owe your company. You have not responded to my request, and you are in DEFAULT. 
Your company has made it clear that you are using unfair and deceptive means to collect a debt. Immediately remove any derogatory reporting to the credit reporting agencies XXXX. Io, INC ( Receivable Management Systems ) then closed the account on XX/XX/XXXX and then reopened the account on XX/XX/XXXX with an increase of a dollar.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unauthorized inquiry on my credit reports from EQUIFAX MORTGAGE SOLUT on Inquiry date : XX/XX/2021 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent equifax and XXXX  a second request about the inaccurate items that they are reporting incorrectly on my credit report on XXXX letter was sent to the main office and the 2nd letter went to the corporate office.I haven't heard anything from them as of yet and i have attached copies below.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/2024 Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Urgent Request for Removal of Fraudulent Accounts Due to Identity Theft Dear Experian Support Team, I am writing to bring to your immediate attention that I have been a victim of identity theft, which has resulted in the unauthorized opening oi accounts in my name. I have not authorized these accounts, and they are the result of fraudulent activity. This situation has caused me significant distress and inconvenience. Below is a list of the fraudulent accounts that have been opened in my name : XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX I request that you take the following actions immediately : Remove all fraudulent accounts listed above from my credit report. 
1. Delete any associated negative information related to these traudulent accounts.

2. Notity me in writing once these actions have been completed According to the Fair Credit Reporting Act FCRA 605B ( 15 U.S.C. 1681c-2 ) I expect these items to be removed from my credit report within four ( 4 ) business days of receipt of this letter. Please find enclosed a copy of my Identity Theft Report, proof of my identity, and any other necessary documentation to facilitate the prompt removal of these fraudulent items. 
Thank you for your immediate attention to this matter. Please feel free to contact me at ( XXXX ) XXXX or XXXX if you require any further information Sincerely XXXX XXXX
Product: Credit card or prepaid card

Wells Fargo removed {$3400.00} of fraudulent charges from my account. They sent me a letter on XX/XX/XXXX confirming we completed our research about possible unauthorized charges on your credit card account, and have found that XXXX of the charges was made without your permission. As a result, on XX/XX/XXXX, we credited {$3400.00} to your account, plus all applicable finance charges and fees. 
Today, XX/XX/XXXX after applying for an auto loan I was told that I have remarks on my account indicating Wells Fargo has taken me to collections for this exact amount.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXXXXXX 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
Product: Mortgage

XX/XX/XXXX and XX/XX/XXXX Request for funds. 
XX/XX/XXXX Compu-Link representative asked for compliance documents ( which they should have had ) at XXXX XXXX. All requested documents emailed back on XX/XX/XXXX at XXXX XXXX. 
XX/XX/XXXX my mother died. 
XX/XX/XXXX Spoke with Compu-Link to inform them of my mother 's death. Advised them the XXXX would be returning property to them since there were no funds to maintain any expenses due to failure to distribute funds. 
XX/XX/XXXX Spoke with HUD XXXX again advising the XXXX would be voluntarily returning home to Lender. No funds to pay any expenses nor repay loan.Said they would escalate services to return the XXXX. Received letter on XX/XX/XXXX outlining options but no plan to proceed. 
Have communicated with Customer service, Loss Mitigation and Pay off by email, fax and XXXX tracked letters since then. Dates include XX/XX/XXXX, XXXX, XXXX. 
Called XXXX XXXX XXXXXX/XX/XXXX twice. 
Hired a lawyer who sent certified letter on XX/XX/XXXX. 
I still have had no response with a plan to return this property.

They have received all necessary documentation including Death Certificates and Probate Certificate. 
This is an unacceptable delay. Also the failure to release funds to my mother that she needed for her expenses needs to be investigated. The excuse that she did not submit compliance documents is untrue. In fact I have a letter that was sent to her by Compu-link when they took over from XXXX telling her no action was required on her part. 
I need this matter resolved at once. The Lender must assume the property immediately. 
The public also needs to be aware of the suspect treatment of elderly people trying to obtain funds and the hardship created by these unnecessary delays in returning property.
Product: Vehicle loan or lease

I submitted a complaint BMW financial -- -see file. The response is a single payment > > {$28.00}, XXXX by next month XX/XX/2022. This is not a viable option for me and I can not meet this one payment offer.
Product: Money transfer, virtual currency, or money service

I did ask for an ACH transfer of {$1000.00} on XX/XX/XXXX which was credited on my binance.us account. 
But a few days later the transfer failed so Binance.US did not receive the money while it has been traded in coins already. 
I did receive a notification that I had to deposit some USD in the next 5 days to settle a chargeback which I did within this timeframe via a wire transfer of {$5000.00}. The chargeback happened and they were able to retrieve the {$1000.00} from the initial failing ACH transfer but my account is frozen with assets that I can not trade ( USD and cryptos ). It says that the trading was disabled. Their FAQ says that after a chargeback it can take up to 5 days to allow trading again but in this case it has been more than a month. At the same time, I have opened tickets that are not answered and keep being closed automatically as solved although it is not. I never had anyone getting in contact with me or responding to my tickets and have assets that are blocked for a reason that I do not know.
Product: Mortgage

Back in XX/XX/2021, I contacted XXXX XXXX for a home purchase. They recommended their mortgage loan company/person of interest, Bay Equity, XXXX XXXX. It started fine, however when I started to shop for my own loan, XXXX was becoming very defensive, almost as if he was offended that I would do such a thing. At first, I knew it was just his mind games trying to make me concerned and go through him. But then as he pressed to continue the loan that he already told me I was approved for, he then takes it back and says " hey, so you actually aren't approved and I need you to forge some documents for me ''. 

I thought he was kidding at first, but then he continued telling me how I wouldn't have enough money without " renting out '' our property first. He said it's just " a little forgery '' and fraud isn't a big deal. I contacted my realtor to let him know, but then he echoed out " It's just a little fraud, it's not a big deal ''. I was done. I called his boss to let him know what was being asked of me, and he was shocked. He immediately removed my realtor from escrow and took over, and I went with another lender. He and XXXX were constantly texting me afterwards saying " it's not a big deal, we can still make this work '' ( I have all the text messages ) I wanted to report XXXX XXXX and will be reporting the realtor as well ) so he doesn't cause harm like this again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello to whom it may concern, Under the new law effective XXXX XXXX 2017 any public record thats reporting on a credit file must include name, address, social security number or DOB. At this time XXXX equifax nor XXXX is in compliance with this new law and after careful investigation I am seeking to have these incorrect public records deleted off my credit file. Thanks & XXXX Bless
Product: Credit reporting

credit unless I gave them permission. I told them I did not want my credit record checked. They assured me that it would not go on my credit record id I gave them some information. 
After checking my credit record I am seeing that they lied to me. There are a few checks by XXXX XXXX on XXXX XXXX, 2015, XXXX XXXX, 2015 and XXXX XXXX, 2015. The man named " XXXX '' insisted that it would be a soft inquirey that would not show up on my credit record. This is now affecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). This account below has infringed my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

When trying to open up any bank account, my XXXX XXXX 's profile states that I had an account with Bank of America, even though this account states that it is paid off, I have no knowledge nor have I had an account with Bank of America. I am requesting that this information be removed from my XXXX XXXX profile.