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

On XX/XX/year>, at XXXX, my cashapp account was hacked for {$2000.00} and 2 days later they attempted to take {$3000.00} which failed because I canceled the debit card attached to my cashapp account. I disputed the transaction through the cashapp customer service line and was denied a refund because they said the transaction originated from my phone which was a lie. My phone was in my purse behind my bed and I was sleeping when the transaction took place. But cashapp did not inform me by email or text message like they have done in the past, before they took the money out of my account. I'm thinking maybe they hacked the cash app card attached to my cashapp account. They didn't attempt to investigate the person who received the money to find out what took place that day. The hackers made it look like I sent them the money.
Product: Credit reporting or other personal consumer reports

Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Transunion, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Transunion, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Transunion inaction violates federal law and my rights as a consumer.
Product: Student loan

I took out a Sallie Mae loan. I became XXXX while in school ( which I still graduated ) However, after my XXXX I was diagnosed with XXXX XXXX XXXX and could not work. They harassed me by calling me on SEVERAL different phone numbers. They have caused me XXXX XXXX and have threatened me with ruining my credit and my security. My mother had to file bankruptcy and she was the co signer, she was DISCHARGED from her debt, and they continue to contact her MONTHLY. I have had it with this company, giving them any money back makes my stomach TURN because they have been so EVIL. I do not even know what to do with them. They do not even have payment plans for struggling SINGLE mothers like myself, trying to work, do the right thing, and survive. I want them to leave my mother ALONE, she has been DISCHARGED of the debt. They are heartless company that I wish I would have never went with. They granted me a student loan in high hopes that this would happen.. to rack on as many fines as they possibly can. I have no intention of doing something about this matter. I will not succumb to their evil behavior to the working class people who are WILLING to pay back these loans, on a PAYMENT PLAN. Life happens, I had a child, shes XXXX now, I work 40 hour weeks, and barely have money for my bills, let alone a huge bill they keep sending me, along with harassing my mother.
Product: Credit reporting or other personal consumer reports

To Whom It My Concern Dispute Center In reviewing my XXXXXXXX XXXX XXXX on Friday, XX/XX/XXXX, I noticed my score changed from XXXX to XXXX by dropping XXXX points from previous credit reports. The drop in score is due to my Capital One account needing to be listed on my XXXX XXXX XXXX 

Since Capital One did not list my account on the XXXX report, the report showed a fair credit score versus an Excellent score. Earlier this year, I experienced the same problem with Capital One not reporting my credit information to XXXX, and it took months to rectify the situation. 

Since I am self-employed, my credit score assists with my borrowing capital. Please report Capital One on my XXXX credit report immediately to alleviate any problem with my XX/XX/XXXX credit report. 

Capital One Credit Bureau Resolutions notified me by letter on XX/XX/XXXX, stating that they verified that the above-referenced account is reporting to my credit file and advised that I contact the credit reporting agencies directly to assist with my request. 

On XX/XX/XXXX, at XXXX XXXX I reached out to XXXX and spoke with XXXX XXXX XXXX representative identification # XXXX. He stated that I must contact Capital One to resolve the problem.
Product: Credit card or prepaid card

I was double billed for a Hotel Night stay by the hotel and the booking agent. I disputed the hotel charge and if Capitol One credit card company did as instructed, it would have eventually worked out. Their interference without my instructions only made the problem worse. If I understand the procedure, I the client am right until the Vendor proves otherwise.
Attached is my last correspondence with Capital One without acknowledgement that they received it.
I believe their procedures should be reviewed and phone communication does not seem to work. Plus extremely time consuming
Product: Credit card or prepaid card

I showed proof regarding unauthorized transactions on my account and despite the proof I showed and photos I sent chime has refused to take into account the new information I provided and always says they concluded no error was made which tells me they are not taking into account the information I provided them regarding the supervisor CHIME CLEARLY IS SHOWING THEY DONT WANT TO REFUND THE MONEY DESPITe the evidence that proves I didnt make those transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX reported account # XXXX to a Credit Reporting Agency without my knowledge or permission.

In accordance with the Fair Credit Reporting Act my rights were violated.

15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604 Section 2 it also states a Consumer Reporting Agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an unauthorized inquiry on my credit report without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING to 15 USC 1681b ( 2 ) STATES YOU HAVE TO HAVE WRITTEN CONSENT FROM I THE CONSUMER TO EVEN FURNISH SOMETHING ON MY REPORT THAT IS IDENTITY THEFT .... Any Negative marks need to be deleted ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THERE SHOULD BE NO INFORMATION SOLELY AS TO TRANSACTIONS OR EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT ALL TRANSACTIONS BETWEEN I AND XXXX XXXX SHALL BE DELETED PURSUANT TO 15 USC 1681c-2 I CALL FOR A BLOCK TO ANY INFORMATION ON THIS ACCOUNT WHICH results FROM IDENTITY THEFT
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with customer service manager at Midland Mortgage regarding my amount owed and amount in XX/XX/2019 states past due. The manager assured me this wrong information was not report by Midland. However, it still remains on my credit report after I have sent the correct amount owed and my account has not been late this year. I am trying to keep my credit on track. My score went down 64 points in the last month, due to errors. Can this information with all three credit bureaus be fixed as soon as possible.
Product: Credit card or prepaid card

Every time I make a payment on my Citi card they tell me it has been applied to my balance. However, it is actually placed on hold for over 10 days so that they can verify the funds. I was told by Citi that this is an incredibly rare occurrence and that is a result of 1 ) the card being new ( it was opened in XXXX ) 2 ) the payments are large which triggers a fraud alert ( the largest payment has been a little over {$400.00} ) and 3 ) because I make more than one payment within the billing cycle ( this is true, I make a payment each time I get paid, so approximately every two weeks ). 

This is not incredibly rare but actually happens after every single payment, resulting in me not being able to access my money for 10+ days. Most recently, they put a hold on a {$330.00} payment that I made on XX/XX/XXXX. Funds left my bank account on XX/XX/XXXX. XX/XX/XXXX was a XXXX  XX/XX/XXXX was a XXXX Citi received funds the next business day, as they always have. 

My wife also makes payments throughout the billing cycle, as do many of her friends and colleagues. Her funds are not held for 10 days. The main difference between my wife, her friends, and me, is that I am XXXX and my last name makes that obvious. 

I have never once, since opening this card ( or at any point in recent memory ) had a payment not go through. My credit score is above XXXX. There is zero reason for them to still believe they will not receive their money. 

Citi is profiling me based on my name and assuming I dont have funds since I am a XXXX. This is egregious and appalling. There is no excuse for this XXXX XXXX and profiling. 

Citi is holding my money for 10+ days every single time, and making it so that I cant use my card nor can I access the cash Ive given them to make purchases.
Product: Debt collection

I have sent several requests to Great American Finance per the Fair Debt Collection Practices Act, 15 U.S. Code 1681, Fair Credit Reporting Act section 623 ( a ) ( 1b ) and section 623 ( b2 ) requesting the show me the documents required by law that they have to hold me responsible to this debt. Also according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. 

At this time I am submitting this as so that the FTC will have on record that I have attempted on numerous occasions to have this company obey the law and they have refused to produce the documents they are required to have on file to continue to report this derogatory information. I have been given no original contract bearing my signature or documentation of any kind. 

It was advised that I try to have this issue resolved though the mediation of the CFPB before I filed suit in state court seeking remuneration for several things including but not limited to : Violation of the FCRA, Violation of the FDCPA, Defamation of character and Identity Theft as they have opened this account without my knowledge or consent. I have lost opportunities due to this illegally reported information remaining on my credit profiles. 

I am attaching a copy of the most recent USPS Certified mailing sent to this company on XXXX XXXX, 2016 which has well surpassed the 30 days allowed by law for a response.
Product: Debt collection

Payment XXXX. Deferred XXXX. Missed XXXX due to issues. Between my phone and spouse, they call XXXX times a day. Even once or twice when we were two days past due date, they start their XXXX phonr calls a day. They have been asked not to call XXXX phone during working hours and still do. They called work phone once or twice after asked not to. 

On XXXX phone alone, XXXX phone calls since XXXX XXXX, 2015. Saved for proof
Product: Debt collection

Noticed a small collection amount of {$320.00} on my consumer credit profile ( all 3 bureaus ) by Genesis for an address I have never resided at or applied for. Requested itemization or any written documentation in regard to what they are collecting on in XXXX oXXXX XXXX  then again in XXXX of XXXX Both requests went unanswered. 

Contacted Genesis again by phone on XX/XX/XXXXXXXX XXXX XXXX  at XXXX CST , spoke with a representative that stated they can not provide any written documentation as to what is being collected on, and to simply pay the bill in full or we will continue reporting and you will continue to have this on your report. Once again told the representative that I am simply asking for any information on what this debt is before I can make an informed decision on if I should pay or dispute this debt, and that I can not move forward with resolution until i know WHAT this debt is for. Representative continued to repeat that they will not send me anything as to what this debt is, and could be an app fee or something like that. Once again requested for a possible copy of the original collection letter, invoice, or anything of that nature for me to verify what this is, and again, to make an informed decision on best course of action to proceed. Representative stated they weve already validated the debt on our end and we will not send anything or provide further details, because we are not required to. Once again let the rep know that if I was to pay, I simply would like to know what this is for. It is negatively impacting my consumer profile, and I am being cornered into paying a debt that I have not received notice, bill, invoice, or any information regarding this matter. Due to the companys unwillingness or inability to provide proper documentation or chain of command for this debt I fully believe this goes against my consumer rights and request for it to be removed immediately from all three of my credit reportings.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). This is the second specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : XXXX XXXX XXXX # XXXXXXXX XXXX XXXXs ... I have Demanded a copy of my signature or some proof of Claim, affidavit from both copies. I received nothing back and it has been over 30days since my complaint to both companies.

The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A. ) I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. 
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation andfuture credit worthiness. 
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been fighting to rectify fraudulent activity, names, addresses, social security numbers, accounts, since my identity was stolen then stolen again due to Experian/ 2020 data breach ( most recent ). I have had numerous credit cards loans and bank accounts because of this. When trying to reach Experian to resolve this Their websites, phone numbers, etc are all non-functioning for me and thousands of others with the same issues and the online portal don't work ( please see arttached screenshot ). I can not access or prove my own identity or social security number! I lost my identity and want my life back! They charged my back account for unauthorized up charges for who knows what. Ive spent hours, over 7 years, monies etc. on this. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have previously disputed this information with ChexSystems however they have continued to willfully ignore my rights as a consumer and have not investigated this matter properly. I am now including new information in this dispute. In the attachments you will find a copy of my lease showing where I lived during this theft, a copy of my photo ID, a copy of the FTC identity theft affidavit and a copy of the notarized identity theft complaint provided by XXXX XXXX XXXX XXXX. 

The information being disputed is : Reported Information - XXXX XXXX XXXX This account was opened as a result of identity theft Reported Information - XXXX XXXX XXXX XXXX XXXX This account was opened as a result of identity theft I am disputing the following inquiries as I did not authorize them : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had 2 credit cards accounts with Capital One. They misapplied a payment, made 2 payments to one credit card and the other account was not paid. When I noticed this I contacted capital one, they took the money from the account and applied it to the correct account, and sent me letter stating this was done. However they never corrected the late payment entry on my credit report. I have contacted Capital One 3 times by phone, sent them 2 letters with all the corroborating evidence and detailing this info and also disputed this through XXXX  3 times. And nothing has been changed. When I have tried to contact someone at the Dispute Credit Bureau dept at Capital One, I have been told there is no way to contact anyone instead I was told to send yet another written account of what happened. I have written to them and called, and they have yet to change my credit report even though by their own acknowledgement they misapplied the payment and fixed the payment. That makes absolutely XXXX sense, and when I call in the reps are very apologetic but they have said I need to write to them again.
Product: Credit reporting, credit repair services, or other personal consumer reports

These arent not mine. They are fraudulent. Please remove as soon as possible. 

-- -- -EQUIFAX XXXX -- XXXX XXXX XXXX XXXX Inquiry : XX/XX/2019
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an urgent matter concerning my credit report. According to the Federal Trade Commission ( FTC ) Report Number : XXXX, I have identified some unauthorized inquiries on my credit report. I did not provide any authorization for these inquiries, and, as such, I am formally requesting their immediate removal from my credit report. 

Details of unauthorized inquiries : 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 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 I am deeply concerned about the potential negative impact these unauthorized inquiries XXXX have on my credit score and financial standing. As a responsible consumer, I consistently monitor my credit report to ensure its accuracy and security. 

I kindly request TransUnion to initiate a thorough investigation into these unauthorized inquiries and promptly remove them from my credit report. I understand that the Fair Credit Reporting Act ( FCRA ) grants consumers the right to dispute inaccurate information on their credit reports, and I am exercising this right in seeking the removal of these unauthorized inquiries. 

I appreciate your prompt attention to this matter and request that you provide written confirmation of the actions taken to resolve this dispute. According to the FCRA, I expect a response within 30 days of receiving this letter. 

FTC Report Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX XXXX {$100.00} XXXX/XXXX XXXX {$250.00} XXXX XXXX XXXX {$18000.00} XXXX  XXXX {$1600.00} XXXX XXXX {$2200.00} XXXX XXXX {$1000.00}
Product: Debt collection

My information was leaked in a data breach, this alleged car loan was signed for using my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report does not reflect the true nature of my credit file. My identity was stolen and fraudulent accounts has been opened in my name, while I was incarcerated. Here are the unknown accounts and I would like them blocked from my credit file. Account # 1 ( XXXX XXXX {$6000.00}, Account # 2 ( XXXX XXXX XXXX {$530.00}, Account # 3 ( XXXX XXXX {$290.00}, Account # 4 ( XXXX XXXX ) {$250.00}. I would like to be provided with the orginal signed agreements / contracts supporting these claims. But they are not mines, please remove.
Product: Mortgage

To the best of my understanding, Homepoint mortgage outsources their servicing and changed their servicing agent. No previous notifications to me ( the Mortgagor ). Statements of " Old Homepoint '' still have the old address. I never received 2 very important documents. ( 1 ) Escrow statement - 2022 with a change of payment ( 2 ) Notice of change of mortgage service company. 

New " Home Point Financial '' claims no relationship with old " Homepoint ''. New " Home Point Financial '' has not received payments sent to old " Homepoint ''. As a result, fees are accruing. 

The change in payment and lost payments ( which I was never notified ) has caused a significant change in my credit with the credit bureaus. 

I have nothing in writing on a new address for New " Home Point Financial ''. How do I know I am sending money to a legitimate company??? All monthly statements including XX/XX/XXXX statement say to send money to old " Homepoint ''.
Product: Debt collection

This is XXXX XXXX who is submitting this CFPB complaint myself. I sent a letter to SOURCE RECEIVABLES MANAGEMENT the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means they have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THE ACCOUNT COMPLETELY FROM MY CREDIT REPORT : ( SOURCE RECVB XXXX )