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

On or about XX/XX/XXXX, I went in my mobile banking app to see my balance. I had XXXX, I thought, until I opened my bank statement online. I looked and it showed XXXX, XXXX, XXXX, and XXXX taken out from cash app. On same day.Leaving me with XXXX balance. I notified my bank, fraud dept. They said we will put ur XXXX back in ur account ; however, if after investigating we find nothing, we will take XXXX back out. 

So on XX/XX/16 I had XXXX in account. Well, I looked later, I was overdrawn XXXX. The bank withdrew XXXX out of my checking saying Cash App said I authorized, which is a lie. So, luckily my brother put in XXXX to cover overdraft. 
I called branch mgr, she said bring in ur XXXX. My brother said im going in with you. The manager said we can pull history transactions from cash app. So, mgr printed off history transactions. The historys did not show the XXXX that was taken out of my checking, but my bank statement specifically showed cash app transactions. 

So, the manager sent history statements to fraud/ investigative dept for 2nd investigation, but mgr said on 2nd investigation, they will not put XXXX back in while investigating. Its been over 6 weeks, my bank has not notified me of anything. Im so upset, I did not authorize. I said why would I take out XXXX and leave myself with XXXX in middle of month? Plus, why didnt bank ask for historys in first investigation. They were ok with Cash App saying " she authorized '' with no proof from Cash App. 

My brother said the way bank went about this is bad business. Im on Social Security, so I get paid on XXXX of each month. 

I read where guy had same problem and he couldnt get his money back. It said u went straight to Cash App and they put money back in his account. 

I have seen cash app is the worse app to be exposed to getting ur account hacked. I use XXXX now with my bank. I used cash app to send payments, I advise everybody, DO NOT USE CASH APP to send money. 

I lost money that I needed, it has gotten me financially in a bind. 

Anything u can do to help me get my money back, will be deeply appreciated, Thank you.
Product: Student loan

XXXX XXXX XXXX - ( Loan # XXXX ) : XXXX due to claim filed on XXXX XXXX. This loan was XXXX ( XX/XX/2021 ) due to death of my XXXX. I was due a refund Check that was mailed XXXX XXXX XXXX  in the amount of XXXX to my home address. 

On several occasions I contacted XXXX /aidVantage to inquiry about the refund and to see if the check had been mailed. 

On XX/XX/2021 Per XXXX- Representative the Refund check was mailed from the U.S. Dept of Treasury . After several attempts and conversations with XXXX /aidVantage, they told me the check was mail and had no additional information. 
After failed attempts with them I contacted by State - U.S. Representative - XXXX XXXX - Georgia 's XXXX District, speaking with her team, they provide a contact name and number - XXXX XXXX - XXXX XXXX x XXXX with aidVantage- and created a claim number - After contacting aidVantage I was informed the Refund check was cashed on XX/XX/2021 via a " mobile '' deposit to an account with XXXX bank, which I have no account with this bank.. 
Along with contacting aidVantage, I was informed to contact the IRS and XXXX Bank. Both IRS and XXXX Bank referred me back to aidVantage after they could not find the Refund check in their systems by both routing number and account number. Please assist with having the Refund check reissued. Thank you in Advance, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Bank or America continues to report a charge off for a secured credit card from 2017. This account was secured my XXXX dollars. When I no longer wanted the card. I closed it with a XXXX dollar balance. 
Bank of America waited to close my account so they could charge interest on the XXXX. My account still shows available credit. There can be no credit on a secured card that is paid off and closed. If this was truly a charge of then it was a loss in 2017 which Bank of America reports on credit report. Something charge off cant be collected as this account was reported as a loss .This was a closed account by me in 2017. It continues even though this a direct violation the fair credit reporting act. 
This needs to be addressed. Every month or every few months they report it as a new delinquent which is fraudulent. 
I have contacted all credit agencies they continue to report, even in direct Violation of the fair reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a loan to buy a new car in  XXXX  from  XXXX   XXXX   XXXX  and have been paying the loan on time as stipulated in the loan agreement. Recently I obtained my credit report in an effort to obtain a mortgage and it showed on my report that I have been late on my payments for that particular account. The report stated 60 days late payments for the following months  XXXX ,  XXXX ,  XXXX  and 30 days late payments for  XXXX ,  XXXX ,  XXXX ,  XXXX  and  XXXX . I have never been late on my payments so I contacted the credit union to have them correct my report. I received a letter from them stating that their reporting was accurate and the was nothing they could do therefore I contacted the credit reporting agency with proof of my timely payments. The credit agency contacted the credit union and now they changed the late payments for 30 days to  XXXX ,  XX/XX/XXXX , XX/XX/XXXX  and 60 days late for  XXXX  and   XXXX  . This was the report I received from the Credit Bureau  XXXX .   I am not satisfied with this findings so I am contacting your office to help me resolve this issue and have   XXXX   XXXX   XXXX   take off all the late payments because I was never late.
Product: Mortgage

I made a mortgage payment through Reliance First Capital web site on XX/XX/2019 for {$1700.00}. The payment was sent by my bank and then pulled back. I contacted XXXX XXXX about the issue they told me I had the funds for this transaction but they did not know why it was returned. I went back to Reliance First Capital 's web site on XXXX-19 to complete another payment request. The Reliancefirstcapital.com web site is not secure. I tried on both XXXX XXXX and XXXX. Both said that their site was not secure and information could be stolen. I believe that is why the first transaction was canceled, because the connection was not secure. I called Reliance First Capital and spoke with a representative named XXXX. She acknowledged that Reliance First Capital was  having problems with their web site and they were working on it. She said she could take a payment over the phone but there is a {$9.00} fee. I said the fee should be waived if you are having technical difficulties processing normal payments. She said they could not waive the fee. I ended up making a payment over the phone because I could not make it after many attempts on their web site. They should refund the {$9.00} fee because the problem is on their end.
Product: Credit reporting or other personal consumer reports

There was an alleged check that was returned. There was no check written by me nor authorized by me. There was no duplicate copy of a check what was allegedly returned.There are three different accounts numbers with my name on them, yet the Company claims that can't find them. The Company since sent my account to a Debt Collection Company as well as the Three Credit Bureaus stating the I've been delinquent in my payments. I have copies of their statement showing proof of all items that I actually purchased which doesn't come close to what they reported. I did file a Fraud Police Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
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. 
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 XXXX XXXX XXXXXXXX, has violated my rights. 


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

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX. My address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Experian had inaccurate information on my credit file. I filed disputes online using Experian 's dispute center on XX/XX/XXXX, XXXX l disputed addresses that were not mine and inaccurate. Please note, some addresses can not be disputed online if they are currently being reported by a creditor. I did not file a dispute against all addresses ; I only disputed a few addresses. The results of the reinvestigation show all addresses including my current residential address have been deleted, and as a result, I don't have any addresses on my experian file. How is that possible? I did not dispute my current home address. I did not give experian permission to dispute my home current address. In addition, my home address is being furnished by my current creditors. Now my experian membership is no longer updating ( refreshing ) my current experian report at log in. My credit report is still showing XX/XX/year> ; it's now XXXX and it has not updated. I'm also getting an error message indicating experian can not update my most recent experian report. This is egregious. Why did you delete my current home address? I did not dispute my current home address because it is not disputable online if it's furnished by a data furnisher. Experian has some kind of dispute glitch and it is causing consumer harm. Please rectify your error. I'm not sending documents as this happened due to no fault of my own. Otherwise, I will retain a consumer law attorney and file suit. This is NOT a dispute request. Do NOT send me a copy of my credit report.
Product: Credit reporting or other personal consumer reports

To Whom it may Concern, This is this complaint is submitted Under OHIO LAW XXXX of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, XXXX other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is voidable. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO XXXX XXXX XXXX Taking assignment of debts ( XXXX ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, XXXX, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, XXXX, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. Here are the accounts : -XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I checked my credit this morning to see a collection account added for XXXX XXXX through enhanced recover co. I spoke with this company today in regards to this debt that I have never received notification for. When I spoke with the agent he said that they sent me a letter and that they got my account in XXXX but when asked when they sent the letter he then took back what he said and said sorry we have never sent you notification Im not sure how this happened but have already placed this on my credit report
Product: Debt collection

XXXX Apartments are on my credit and transfered the account to FCO as a collection which in turn sent the file to an attorney ( which resulted to them having to dismiss the case as this is not a debt that I owe ) I called and faxed both the attorney 's office as well as FCO and they both keep referring me back to each other. I really need them to removed this from my credit as it is hurting my score and is resulting to me not qualifying for important purchases as well as increased interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written Experian multiple times disputing incorrect items on my consumer report and each time I disputed they have not responded and just updated these items as verified without sending the method of verification or validation. I have also sent Experian multiple disputes regarding unknown fraudulent inquiries on my consumer report. I feel like my rights are being violated and that Experian is not following the law when it comes to my consumer report. Experian has assumed a role and without my written permission they have been adding things to my consumer report. I never gave Experian my consent to have my information or to share my information. Experian has wronged me due to its negligence and willingly and knowingly continuing to participate after being instructed to remove these items. Here are the account and inquiries that i have been disputing. These are the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are the inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2020 I received a notice from Citibank that my account has been blocked ( both checking and savings ). I called the next day and was informed that my account was under review. I was instructed to call back during between XXXX and XXXX EST to speak with the fraud department. I was originally told that my attempt to XXXX money to myself at another bank resulted in my account to be flagged as suspicious activity causing my account to be blocked. On Monday the XXXX, I called back 3 times and each time I was instructed to call back again. On XX/XX/XXXX I called back and was told that I would need to call back. Finally on XX/XX/XXXX, Citibank unfroze my account and restored online account access. 

On XX/XX/XXXX, I also wrote two checks to myself. One to my savings {$1100.00} and another to checking for {$22.00} from the other bank since I could not XXXX the funds. These two checks were submitted to Citibank through their mobile app. Because I was informed that my account was " block '' I would not be able to access my funds I placed an immediate stop payment on these checks. 

After my account was unfrozen on XX/XX/XXXX, Citibank removed my account from online access and blocked the account again on XX/XX/XXXX. I called back that day to inquire about the status of my account and was placed on hold by the representative and left for over 15 minutes. Additionally, this time there was no notice. 

I called the customer service department on XX/XX/2020 to inquire about my account and was told that my account has been blocked and the funds have been frozen. They were unable to provide a reason as to why this was the case. I advised the customer care rep that my paycheck will be direct deposited on the XXXX and I was inquiring about accessing those funds. His response was that those funds will be frozen ( $ XXXX ) and inaccessible. I would need to contact the fraud department again. 

Additionally, Citibank sent an email providing me access with my statement dated for XX/XX/2020. The statement ( can be provided upon request ) does not provide any explanation or notice as to why my account has been blocked or even if my accounts are active. I do have online access but it is only for my credit card account that they have and I can not relink my checking or savings accounts online.
Product: Debt collection

I paid off my debit if XXXX $ back in XX/XX/XXXX and I was told I will receive a letter of confirmation that I owe XXXX balance and my account is now satisfied
Product: Credit reporting or other personal consumer reports

TransUnion and XXXX credit reporting continues to report invalid and time barred information on my credit report. I have provided information to support my claim. XXXX has removed the inaccurate information. 
The FTC XXXX Date of first delicacy ( DOFD ) are to be removed from your credit report within 7 years from XXXX. MO revised XXXX collection dates has expired. 
XXXX XXXX loan open date XX/XX/XXXX with XXXX of XX/XX/XXXX. 
XXXX XXXX loan open date XX/XX/XXXX with XXXX of XX/XX/XXXX. 
XXXX XXXX loan open date XX/XX/XXXX with XXXX of XX/XX/XXXX. 

XXXX XXXX XXXX using the Date of Last activity XXXX XXXX when they were discharged from my chapter XXXX ) to keep account on my credit report not Date of First Delinquency to remove it. 
This is causing Finacial harm. I had requested this removed since XX/XX/XXXX and again XX/XX/XXXX and no action have been taken, except for them saying it will remain on my credit report u till XXXX.
Product: Credit card

I asked for a copy of the bill, which has NEVER been sent to me, I will not pay Kohls unless they send a bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Identity Theft Notification To Whom It May Concern, I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my ID and social security card as proof of my identity. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : - XX/XX/2020 XXXX - XX/XX/2020 XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am requesting a thorough review of an account on my credit report that has been repeatedly verified as accurate, despite clear evidence to the contrary. I have sent multiple disputes to correct or remove this inaccurate information, yet each response has resulted in the same inaccurate information remaining on my report. 

This continued failure to address the inaccuracies violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which requires credit reporting agencies to ensure complete accuracy. I require 100 % accuracy on my credit report, and I urge you to reinvestigate this matter, taking into account the attached documentation, and either correct or remove this erroneous information immediately.
Product: Debt collection

As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : JPMCB CARD Account Number : XXXX
Product: Money transfer, virtual currency, or money service

I received a Cash App VISA Card. I've heard of cash app, but have never in my life signed up for or used cash app. I'm not even aware of how that stuff works. Also, There are markings on the card leading me to suspect that this card has been swiped. Usually there is a sticker on new credit cards instructing you to activate new cards and this does not have one.

I tried to call a phone number for Cash App, but I was unable to reach a representative. I'm extremely concerned about this and am unsure of what I need to do. Can you please help me?