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

XXXX I clicked on a link from XXXX to contact apple support. They had me download XXXX  to remote into my phone to assist me. When the id verification methods didnt work, they had their fraud department call me. During our conversation, they said they see on their end that there is fraud on the cash app account associated with my XXXX XXXX  and that I needed to remove my bank account and they can help me reverse the charges. I did remove my bank account and debit card. However, a new card, ending in XXXX, was added to my account and my cash app balance was drained. {$6600.00}. According to the fraudster, that was my virtual cash app card. However, no new money was in my XXXX XXXX account and the cash app transaction said its a XXXX XXXX XXXX. Per the fraudster, XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I realized Id been robbed and once I was able to regain control of my phone and remove the app XXXX XXXX, I contacted cash app support. They opened a dispute. I now have XXXX disputes with cash app which were all denied, with cash app saying I or someone with my credentials authorized the transaction. Cash app is under the XXXX, and per the XXXX, an Unauthorized electronic fund transfer is an XXXX from a consumer 's account initiated by a person other than the consumer without authority to initiate the transfer and from which the consumer receives no benefit. The XXXX also states : The financial institution may use any reasonable means of verifying the consumer 's identity, but the consumer is not liable for any unauthorized transfers if an imposter succeeds in validating the access device. At no point has Cash App told me how the transactions were authorized when Ive informed them that I was victim of fraud my someone imposing as a big business ( XXXX ). In this case, I am the consumer and I DID NOT authorize the transaction nor do I benefit because the money did not go to an account accessible by me. Cash Apps terms of service also state that they agree to settle disputes via phone or video conference before a consumer pursues legal action. I have been offered neither. I only receive emails from different people claiming to be managers and saying my claim is denied. Ive gotten emails from XXXX XXXXXXXX, XXXX, XXXX, and XXXX. 

Attached are the screenshots of : the call from XXXX fraud and the time, showing that the transaction was done during that call, the transaction with the time, the text messages showing my bank account being removed and the fraud card being added ( and removed after the transaction ), and the time I called cash app. 

In all the years I have had cash app, I have always used my credit union account. I have never had a XXXX XXXX XXXX account on cash app. Ive also never cashed out in that large of an amount. I got no alert and there was no security alerting the abnormal activity. The same day a new card is added to my account, the account was drained and I was never notified by text, call, or email. My cash app tag is XXXX XXXXXXXX and my name on the account is XXXX XXXX. I am now married and my name is XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence and to continue disputing unauthorized inquiries that remain inaccurately reported on my credit report. This letter serves as my XXXX XXXX dispute regarding these unresolved issues. 

Inquiry by : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2023 Issue : I did not authorize this inquiry. 

These inquiries were not authorized by me, and their presence on my credit report is negatively affecting my credit score and financial standing. As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information in my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to officially report multiple unauthorized credit inquiries that appear on my credit report from the credit reporting agencies XXXX and TransUnion. I did not authorize any of these inquiries, and I believe that they might have been conducted without my consent or knowledge. 

The unauthorized credit inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2023 from XXXX XXXX. XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX on XX/XX/2023 from XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2023 from TransUnion XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/2023 from XXXX XXXX. XXXX XXXXXXXX, XXXX  XXXX XXXX on XX/XX/2023 from TransUnion XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2023 from XXXX To reiterate, none of these inquiries were authorized by me, and I never submitted any application or request that would have warranted these hard pulls on my credit report. Such inquiries not only impact my credit score but also make me concerned about the potential misuse of my personal information or identity theft. 

I have taken the proactive step of reaching out to each of the above-listed companies and institutions to clarify the situation and understand the basis of these unauthorized inquiries. However, as I await their respective responses, I believe it's imperative to notify the Consumer Financial Protection Bureau ( CFPB ) to ensure the integrity of my credit report and to prevent potential fraudulent activities in the future. 

Given the above, I respectfully request the CFPB to undertake the following actions : 1. **Investigation : ** Please conduct a thorough investigation into the unauthorized inquiries listed above. I am keen to understand how and why these inquiries were made without my explicit consent.

2. **Removal of Inquiries : ** Once the investigation confirms that these inquiries were unauthorized, I urge the CFPB to facilitate their removal from my credit report promptly. Such unauthorized inquiries can adversely affect my credit score, which can have broader ramifications for my financial well-being.

3. **Identity Theft Safeguards : ** I would appreciate guidance from the CFPB regarding additional steps I can take to protect myself from potential identity theft or any other fraudulent activities that may arise from this situation.

4. **Notification to Credit Reporting Agencies : ** I kindly request the CFPB to notify the relevant credit reporting agencies ( XXXX and TransUnion XXXX about this matter, urging them to rectify any inaccuracies resulting from these unauthorized inquiries. 

In conclusion, while I understand that credit inquiries are a standard part of financial processes, it is deeply unsettling to find unauthorized ones on my credit report. I trust the CFPB 's commitment to safeguarding consumers ' rights and ensuring the accuracy and integrity of credit reports. Your immediate attention to this matter will be highly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bridge crest reported on my credit reports a charged off on the account it should reflect a balance of XXXX XXXX Charged off means they received a XXXX from irs means they have a tax credit. They can not by law collect from me
Product: Money transfer, virtual currency, or money service

I paid for Goods and Services for {$700.00} dollars using Venmo purchase protection on XX/XX/XXXX. The fee associated with protecting the goods and services was an additional XXXX dollars. The seller gave me only {$420.00} worth of the goods I paid for which is why I disputed {$280.00} of it. 

I reached out to Venmo on XX/XX/XXXX but lost my initial claim. Then I petitioned for an appeal and provided more evidence. 

On XX/XX/XXXX, they reached out and said they could not appeal my dispute. 

Given that I paid the fee for protecting my purchase, I would like my {$280.00} refund and Venmos full cooperation behind this matter. They need to re-initiate the dispute.
Product: Checking or savings account

I set up an online Ally back account on XX/XX/19. 
I attempted to deposit a check into the account on XX/XX/19. 
I received an email stating that the check was missing info on the Pay To : line. 
I resubmitted the check the same day. 
I received an email on XX/XX/19 stating that : We weren't able to complete this Ally Bank eCheck DepositSM because of one of the following reasons : The check contains an alteration on the front of the check The check had been previously deposited at another institution The check is from a financial institution located outside of the U.S. 
Please obtain a new check to scan and submit it as you normally would. 
The next day I tried to access my account and was told it had been fraud locked. 
I called the number provided XXXX and waited 45 mins on hold to speak to a Loss Prevention agent. He proceeded to tell me that I was trying to deposit a fake check and they would not be reopening my account. He stated there was nothing I could do and I had to wait until their investigation was over. 
I waited a week with no response. I called back 3 different times and left messages with no response. I shut by direct deposit off as soon as I realized they were not going to reopen my account. By this time two {$100.00} deposits had been made into the account from my employer. They didn't reject these deposits even though the account was frozen. 
I now have {$200.00} dollars sitting in a frozen account and the bank is flat refusing to allow me access to my money or even return my phone call.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XXXX XXXX be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am writing to express my continued concern regarding the outdated bankruptcy that is inaccurately appearing on my credit report. Despite previous disputes and requests for removal, the bankruptcy remains listed on my report, significantly impacting my creditworthiness and financial opportunities.
Product: Credit card

I received a credit card from Chase ( labeled as XXXX rewards XXXX ), without ever applying for it. After calling chase, to inquire about what was going on, they rushed to cancel it without providing me any feedback on what has actually happened. They also did not give me the option to keep the account and re-issue another card ( I figured the harm was done and my credit score was already hit, why not keep the card ). After seeing I can not get the information I was expecting from the customer service on the phone ( as I was worried about identity theft ), I had to make a visit to their branch and was given the contact of the " Fraud Specialist '' who was working on my case. 

Talking to her, I realized how uninformed she was on doing her job. She claimed " hackers '' were able to obtain my information such as email and mother 's maiden name to apply for the credit card and take advantage of saving XXXX dollars in XXXX. The only way that I could see this happening, is one should be able to get my XXXX user/pass ( as the XXXX account has been working before and after this event and I did n't see any fraudulent activity ), then apply to that credit card on my behalf, and most probably be forwarded to the chase web site where he/she should have answered some credit-related identity questions ( credit report does not include anybody 's email or mother 's maiden name ). That is a large amount of private information ( XXXX user/pass and correct answers to credit-related identity questions ) and if the hackers had access to them, they could have done a lot more harm than just saving XXXX dollars in XXXX. I have had a credit monitoring service since that time and have not seen any problem in my XXXX account and/or credit report. I also need to add that I am quite well-versed in IT security and computers ( I am a XXXX myself with experience cryptography ). So the possibility of somebody hacking into my computer is negligible to none. 

Searching internet, I found a lot of other people in my shoes ( and sometimes a large group of people, check http : //optometrytimes.modernmedicine.com/optometrytimes/news/developing-story-ods-targeted-credit-fraud for example ), to me it looks like there is a loophole between XXXX and Chase, that hackers have been trying to take advantage by bypassing the XXXX account login and Chase credit-related identity questions. Hopefully there are more experts in chase handling similar cases and they are more experienced on these topics than the one I interacted with. 

Finally, I was told that the credit inquiry from XXXX will be removed from my report in XXXX days. The above happened in XX/XX/XXXX and XXXX months later ( XX/XX/XXXX ) I can still see the credit pull. I want that entry to be removed from my XXXX credit report.
Product: Vehicle loan or lease

When we moved to Texas in 2012 we purchased a vehicle for personal use. Due to my wifes credit score I co-signed as the primary signee but was charged a much higher interest rate at about 18 %. We paid on time for about 4 years until my wife became ill with XXXX XXXX. We contacted the company and made an agreement a couple of times but still had financial issues. Finally we asked the company if we could pay a reasonable amount and settle and they agreed not only to close the account but delete the negative from my credit report. So far the negative has not been deleted per the agreement. Unfortunately I took them at their word and they were untruthful. I just want this removed because this is the only negative on my credit. Im not saying we were never late but we made every effort to resolve this in good faith and they got every dollar and plus interest this car was worth. Please help me with this. XXXX Bless!
Product: Credit reporting, credit repair services, or other personal consumer reports

After review of my consumer report with XXXX XXXX I determined inaccurate negative data on my report containing XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX Account # : XXXX Bank Routing # : XXXX
Product: Credit card or prepaid card

We, meaning my wife and I had agreed to a plan for 3 months of payments to be suspending for hardship if we made a payment to Barclays credit card to bring it up to date which we did. And now they have turned it over to a collection agency even after many calls to remind them we had an agreement. We have had 4 XXXX in the past 3 years with our daughter and all the bills we have is from Dr. visits and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had 4 acts with XXXX XXXX secured credit cards that were paid off after collections filed and I have receipts to prove this. Ive reached out to all 3 major credit reporting agencies and to XXXX XXXX and their collection agency XXXX And no response or one waiting for another using excuses. Ive tried for 3 months. Paid in full.
Product: Mortgage

In XXXX of this year, I applied for refinancing with CitiBank/CitiMortgage on behalf of my father. We were approved in principal for the loan XXXX credit approved etc. ) and paid the applicable fees of over {$500.00} for the assessment etc. 

I confirmed with Citi on numerous occasions that my father 's input would NOT be necessary until closing. In fact, despite my power of attorney for my father 's accounts, I was told it would be better to wait until closing for his authorization in person. 

Regardless, during XXXX Citi 's underwriters attempted to contact my father via phone to confirm authorization. My father is elderly and hard of hearing and usually does not answer the phone. Rather than communicate with my loan officer at Citi or myself, Citi initiated investigations of fraud via both XXXX County Adult Protective Services and the local police department. 

Despite the fact that both agencies performed full investigations and cleared me of any wrongdoing, I was then denied credit for the following reasons : XXXX Unable to confirm identity * Unable to verify residence or occupancy Even though BOTH were verified by the investigating agencies. Both investigating agencies communicated to me personally that this never should have happened. 

Within the last month I secured the refinancing through a different lender, with ZERO problems.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$140.00} DATE XX/XX/XXXX and XX/XX/XXXX reporting miss payment XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XX/XX/XXXX XXXX account XXXX {$1500.00} Transworld System Inc. XX/XX/XXXX, XXXX {$1800.00} I have made more the one complaints against XXXX AND XXXX prior to this letter. I am holding the accountable for violating the following code of the Fair Credit Reporting Act. 
15 U.S.CODE 1681B PERMISSIBLE PURPOSE OF CONSUMER REPORT They did not get my written permission, nor did I give authorization this a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 stat. 146 ) states that any agency can only get your report in response to a request by the head of the state or local child support enforcement agency ( or a state or local government official authorized by the head of such an agency 12CFR 1022.3 DEFINITIONS anything added to my/ your reporting without your consent can be considered identity theft.

I wish to enforce 15 U.S.C 1681C block of information resulting from identity theft, I will provide the appropriate proof of my identity along with a copy of the XXXX REPORT. 
and also, The Privacy act of XXXX ( 5 U.S CODE 552a ) XXXX AND XXXX are a consumer reporting agency and I am a consumer, I have the right to make sure is not shared which is back by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customer 's nonpublic personal information, " Furnisher of information to the credit agencies is a financial institution by definition under the title. 15 USC 1681 SEC 604 A SECTION 2 states that " In general subject to subsection ( C ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer of which it relates. " FURNISHER OF INFORMATION TO CREDT AGENCIES ) the financial institution and the reporting agencies, XXXX and XXXX do not have my consent to furnish this information and they do not have written consent. 
XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App Failed to take timely and effective measures to prevent and address fraud on there platform, leaving my account vulnerable and unprotected. Furthermore, there dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) m Regulation E. These actions have caused significant inconvenience and finacial loss, and I seek appropropriate redress for these violations
Product: Debt collection

I was recently denied a credit card and when I reviewed my credit report I saw this fraudulent account on my credit files. I have never conducted business with the company reporting the debt Amerassist Ar Solution, XXXX {$1200.00}. This account is not mine and I have notified the credit bureaus that this account is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX  XXXX XXXX, GA XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2000.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$720.00}, XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$210.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2000.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$120.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX ME ) XXXX Balance : {$720.00}, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this XXXX XXXX  XXXX and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. This account have been closed however, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has been closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file. XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2017 Balance : {$1500.00}
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Disputed with the company on XX/XX/XXXX. Company received my disputes on XX/XX/XXXX as it shows according to the certified mail. It is now XX/XX/XXXX and I've yet to hear back from the company. The FCRA gives the company 30 days to respond. I have not gotten a response.