23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I am XXXX this complaint against Cash App. I have filed a few disputes with this company and they have violated my right every time. The past three disputes that I have dispute were unauthorized transactions and cash app never even investigated and when I gave them proof of them being unauthorized they didnt care. They also didnt give me adequate documentation of what they used to make the determination on my claims I let it go the first two times but this is now the third and also right after denying my dispute they closed my account. I am hoping someone could help me. 


The first was for {$25.00} when my debit card was used at a gas station a few miles from my house. 1 I dont have a car. 2 I called said cash station and they said that I was a male who used my card and they will fully cooperate with what ever my bank need to issues a refund. Cash app never disputed the charge. 

The next one was for {$20.00} a few months prior I order something off a website well apparently they kept my card info and months later after changing their name and website randomly charged my card. I found similar stories from people this had happened to and sent that info to cash app along with everything that I found out to show them that I wasnt the only person and once again there didnt even investigate The last one was for {$39.00} when I got charged for a subscription that I cancelled. I showed cash app the cancellation email stating I canceled that subscription and cash app ignore my dispute and closed my account. And then I emailed support to file my dispute again and find out why they closed my account and they denied my dispute without proper investigation. 

Total of {$86.00} All three times I asked for documentation that they used to determine the outcome of my dispute and every time they only sent me a copy of the charge nothing else.
Product: Credit reporting, credit repair services, or other personal consumer reports

I the Consumer, natural person, am aware that congress makes it clear that there is an abundance of evidence that abusive, deceptive and unfair practices pursuant to 15 USC 1692 ( a ) ( b ), 15 USC 1692e ( 2 ) ( a ) are being displayed such as False representation of character. And it has come to my attention that your response is based on an automated system which is in fact a violation of Consumer rights. In addition, who gave you the authority to furnish false and misleading information on my consumer report? I did not give you written instructions nor was this reasonable. You failed to comply to 15 USC 1635 ( a ) which states you must provide the appropriate forms that I have requested and you havent provided them, so thats clearly another violation. I REQUESTED THAT YOU SEND ME EVERY DOCUMENT PERTAINING TO THIS ENTRY THAT YOUR AGENCY USED TO VALIDATE THIS DEBT. You have also violated the FDCPA because you did not validate the debt after receiving my validation letter 5 days after you responded to my demand. According to the FDCPA this a {$1000.00} violation along with the others mentioned above.
Product: Credit reporting

I was unable to get my free annual credit report due to it asking me questions about a mortgage. I have never purchased a home. I have never had a mortgage.
Product: Credit reporting or other personal consumer reports

I paid off my car in XX/XX/XXXX. XXXX chg my payment history 8 months later in XX/XX/XXXX. I dont show I was delinquent on any of my credit reports or documents. Why report on my loan for payments 3 years ago, 8 months after payoff. I need it corrected
Product: Debt collection

I have been in cantact with the hospital that at the time of the XXXX visit took the wrong policy # information. I informed the collection agency that the information had been taken by the billing dep of the hospital and where in the process submitting for payment. Collection agency only sent one notice and thast when i informed them of the above explained, they still proceeded to report to credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX is reporting information on XXXX XXXX BANK XXXX account that is incomplete and inaccurate. I never gave EQUIFAX written consent to report this account on my consumer report. The account details, nature of the dispute, and verification documents are listed in the attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

2 things happened. I applied for a XXXX XXXX Loan for my childs college loan. It came back higher than the highest rate they had and I as Far as I know have perfect credit. I then today pulled credit report after findin that my XXXX XXXX was going to up my APR to almost 20 % after over 23 years of service with them. PUlled my credit reports to find out that they have posted a high, at or over the limit credit for XXXX XXXX XXXX also known as XXXX XXXX XXXX. This account is NOT in my name and Im an authorized user but not financially responsible for it. I did not take this card out. THis has adversely affected me in a financial way and all 3 credit bureaus are now reporting this as a negative.
Product: Payday loan, title loan, or personal loan

I applied for a loan with West Side Lending in XXXX or XXXX of this year. The payments are not what they said they would be. I contacted someone online to see about setting up a payment arrangement and to get the balance. They always say it changes everyday. And still to this day don't know what I owe
Product: Money transfer, virtual currency, or money service

XXXX XXXX a cleared payment to Dovenmuehle Mortgage Inc was not transferred, refunded, returned, to new loan servicer nor third-party. 
I asked via email to OPEN INVESTIGATION and then contacted CFPB and Dovenmuehle lied again to me and CFPB stating XX/XX/2023 payment was returned to third-party and was NOT. 
XXXX XXXX a second cleared payment to Dovenmuehle Mortgage Inc was also not transferred, refunded, or returned to new loan servicer nor third-party. Dovenmuehle has also NOT PROVIDED ME WITH TRACKING INFORMATION FOR THE PAYMENTS THEY CLAIMED TO HAVE RETURNED, however the third-party is my representative and DOVENMUEHLE IS NOT PROVIDING CORRECT/VALID INFORMATION OF THESE FUNDS TO EITHER OF US... BUT DOVENMUEHLE HAS RECEIVED THESE FUNDS AND WON'T TRANSFER TO NEW LOAN SERVICER or third-party and provide tracking information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXXXXXX Balance : {$15000.00} ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX XXXX XXXX XXXXXXXX Bankruptcy Reference # : XXXXXXXX XXXX XXXX XXXX  Bankruptcy Reference # : XXXX ; XXXX XXXX Bankruptcy Reference # : XXXXXXXX XXXX XXXX XXXXXXXX Bankruptcy Reference # : XXXX XXXX XXXX XXXX  Bankruptcy Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX
Product: Debt collection

ABR Recovery Services LLC, Company 's Response To Whom It May Concern, we have not contacted XXXX XXXX via email nor made calls to him. It must be disregarded that we did not call to make threats about such legal actions that will be taken. XXXX XXXX charge off date is XXXX/XXXX/XXXX, meaning that the Statue of Limitation starts from that date on so it will exceed till XXXX which is the 5 year limit. If XXXX XXXX did pay this collection, if it may please be sent via email at XXXXXXXXXXXX or mail carrier to our office so we can verify this and proceed to take the next action. Thank You for your cooperation. 

In response to complaint XXXX. Charge off date is not the start date of statue of limitations, Statue start Date is from last payment made on account in XXXX XXXX.
Product: Mortgage

Mortgage was paid off and closed as of XX/XX/. Mortgage company continues to report late payments/missed payments to credit bureaus, even with proof account is paid off and closed being reported to credit bureau .
Product: Credit reporting or other personal consumer reports

XXXX XXXX is negatively affecting my credit report. This account was previously removed from my credit report, but has since been added as a collection once again with XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert in regards to my credit report that changes were made on my credit report and inquiries were made on my credit report. The following information below is fraudulent inquiries and changes that were made on my credit report without my knowledge.
INQUIRY - XXXX XXXX - INQUIRY MADE ON XXXXXXX. I HAVE NEVER MADE AN INQUIRY TO THIS COMPANY. IMMEDIATELY REMOVE THIS FROM MY CREDIT REPORT.
INQUIRY - XXXX - INQUIRY MADE ON XXXXXXX. I HAVE NEVER MADE AN INQUIRY TO THIS COMPANY. IMMEDIATELY REMOVE THIS FROM MY CREDIT REPORT.
THIS FRAUDULENT INFORMATION THAT IS ON MY CREDIT REPORT IS MAKING MY CREDIT SCORE GO DOWN. I WANT MY CREDIT REPORT CORRECTED IMMEDIATELY AND A FRAUD ALERT INDICATOR PLACE ON MY REPORT. IT MAKES NO SENSE HOW THESE CREDIT REPORTING COMPANY WILL PUT ANY AND EVERYTHING ON YOUR REPORTS AT ANY GIVEN TIME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending a complaint in accordance with the Fair Credit Reporting Act 's guidelines to ask that the accounts, which I believe to be erroneous and incomplete, be looked into right away and REMOVED on my credit report. I think Experian has not validated this account in accordance with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I will pursue legal action against them. I am not legally responsible to pay the credit card bill or any debts that build up as an authorized user. This information seems to be confusing. I need this to be removed immediately! 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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. XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed the validity of this entry on my report and never have been provided account details as requested. Send notice that account was paid in full and funds to original creditor. The account delinquency was 2010 and according to law once a debt is paid and OC is paid then the collection agency no longer has an account to report. Please delete this item immediately as I have waited over 60 days to get this resolved and numerous calls. The debt was a duplicate also to another debt collector, causing several inaccurate entries to my credit report. 
It is sad that I have to cause stress to myself to fix this problem .Collection accounts that are closed and returned to the original creditors are to be deleted from the Credit reporting agencies, as these accounts are no longer in collection. 

Furthermore, if the accounts were paid they should not be listed as an open account. 

Your verifcation of the accounts as a " Paid Collection " is a violation of the FDCPA and FCRA, Specifically ; FDCPA violations ; 15 USC 1692e ( 8 ) providing false information to credit reporting agencies FCRA violations ; 15 U.S.C. 1681i duties of furnishers to provide accurate information.

15 U.S.C. 1681s-2 - failure to provide accurate information, failure to correct reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

A debt collector called " XXXX XXXX '' has placed a debt on my Transunion report for {$670.00} that is not mine, The originator of this debt was XXXX XXXX XXXX XXXX XXXX I have never had any dealings with this organization. Seemingly this nonsense just keeps happening. There is a person in the XXXX XXXX area who uses my exact name. This may be another debt incurred by this individual. I am sick and tired of this nonsense.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting Act The list of accounts has violated my federal protection consumer rights to privacy and confidentiality under 15 usc1681Account name XXXX XXXX XXXX account number XXXX. 
Has violated my rights to privacy.

15 usc 1681 section 602 A states I have the rights to privacy.

And according to 15 usc 1681eb they are supposed to ensure this whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 usc 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items or information any other adverse.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX should not be reporting to Equifax ; XXXX  and XXXX  that I am ( 30-60 ) days late on the XXXX  XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I made arrangements for deferment under the CARES ACT with XXXX  and they assured me that no lates would report to the bureaus on this account. XXXX did no honor our agreement. I was not aware that these lates were reporting until I obtained a copy of my credit report. This false reporting of lates is seriously harming my credit score. This is a violation of the CARES ACT in addition to being a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I request that these lates be removed. I have contacted the bureaus as well as XXXX to correct this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted by XXXX mail on XX/XX/XXXX stating " There 's still time let 's talk then I also received a phone call from the manager named XXXX onXX/XX/XXXX asking me to come into the office. As I told him I lost everything in the wildfires here in Tennessee in XXXX, then my father ( XXXX XXXX ) XXXX XXXX in XXXX, and my mother ( XXXX XXXX ) XXXX XXXX in XXXX ( three months XXXX apart with no life insurance ) and told him that I also had to pay my part back to the relatives for their XXXX and I still have to get a XXXX XXXX for both of them, he proceeded to tell me that those things can wait. Now suffering from XXXX I have quite a few doctors appointments but I did get by the office within that following week. XXXX XXXX XXXX is now trying to state that they could not offer my mother life insurance because of her age but in the document we both paid in life insurance on the loan. If they could not give my mother life insurance then that would be discrimination. The loan is also secured with my mothers vehicle and I have noticed on my credit reports they have it listed unsecured and secured when they keep reporting and destroying my credit ( that I am trying to repair ). When I walked into the office here in XXXX, TN XXXX seen me and all she told me was " it left her office this morning ''. They kept a copy of my mothers ( XXXX XXXX ) XXXX XXXX and the office it supposedly went to the gentlemen could not pull it up on the internet so I did not have a phone number or address although it has an Indiana address on my credit reports. The address is XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX with a phone number XXXX. I 'm XXXX and on a fixed income and this company does not seem to be doing business properly. I have included my mothers XXXX XXXX ( which she is the co-applicant insured and had her vehicle as collateral. I also highlighted the area of this contract where we paid insurance on this loan with both of our signatures. The account number on this XXXX XXXX loan is XXXX. Can you please investigate this loan and this company because they keep on reporting to all three credit bureaus as much as possible it seems only to hurt me and my financial future. If you need anything further than what I provide please let me know. Thank you very much in advance. XXXX Bless. Also can you please have them stop reporting also until this investigation is resolved?
Product: Checking or savings account

Chase Bank closed my checking account after they were unable to verify a check in late XXXX. 

I had called several times to remedy the situation prior to the closing and after. They weren't able to get the check writers contact information correct in their system to be able to verify the authenticity of the check. 

They pulled the funds out of the check writers account and have proceeded to hold my funds XXXX since XXXX. 
On XX/XX/XXXX I went to the chase bank in XXXX  XXXX Iowa and asked for a copy of all of my banking statements, and they were able to provide me with them. 
I also asked to follow up on the account hold. After making a phone call they were still unable to clear the hold on my funds. The branch manager said that even if I were to bring the person who wrote my check into the office they would still not be able to release the funds due to their verification process. They did state that in a year or two they would release the funds to the state to return them to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX we had a severe thunderstorm that XXXX my 2 yr. old XXXX XXXX 49 '' lcd TV. I have supplemental Home Insurance Coverage w/ XXXX XXXX XXXX. in XXXX. XXXX Fl . -XXXX-XXXX-XXXX-XXXX- Acct. # XXXX. I called to file a claim, the automated voice asks problem, if TV press certain #. Spoke w/ Cust . Svce. who advised " claim denied- TV 's not covered '' .Their Booklet shows items covered w/ ELECTRICAL SYSTEM listed.When I joined in XX/XX/XXXX I was told by Cust. Svce that " ANYTHING connected to Electricity or Water was COVERED-Period ''! I complained via their Website Email today XX/XX/XXXX.
I was unable to find a local TV Repair so I went back to XXXX XXXX in XXXX, NC XXXX XXXX XXXX XXXX where I had bought the XXXX in XXXX. It was out of warranty so I asked for a low cost replacement- ( retired- $ limited ) .I have a XXXX XXXX Card that I have used for years to buy printer ink- also exchanged a defective Printer twice recently. I found a similar XXXX XXXX & requested a 2 yr. Finance Contract-same as I used 2 yrs. ago.
The request was denied by XXXX XXXX/ XXXX XXXX - Acct. Closed. The sales person re- entered the info requesting a new Card. Denied again. I had gotten " over my head '' w / 2 Credit Cards ( my fault ) & was advised by an Attorney to file Chap. XXXX. I did & it was dis- charged XX/XX/XXXX. but to this date XXXX XXXX has REFUSED to report my XXXX debt which was paid offXX/XX/XXXX up to this date. I explained this to the salesperson -nothing they could do- & purchased an Open Box ( returned ) similar TV for {$450.00}. Finally, as for this credit problem, I am looking to trade my XXXX XXXX  for a less expensive model which will lower my expenses by aprox. {$300.00} a mo. I have NO bills since Chap. XXXX & have never missed a pymt. with ANYONE. My SSI & Pension are {$2000.00} NET a month, my Current Credit Score is XXXX Trans Union, XXXX the XXXX others. Since the XXXX rejection I 'm afraid I may not be able to make the car trade w/ a Co. like XXXX XXXX ( lower rates etc ). I should be able w/ XXXX since I 've been with them 2 yrs. & have saved {$2000.00} DP for a XXXX model- selling for {$12000.00} Max. That 's my story.
Product: Debt collection

Requested validation of the debt from the original creditor XXXX  to which now JEFFERSON CAPITAL SYSTEM LLC the debt buyer have been reporting the open account open and active since the purchase to which XXXX have charged off and closed the account prior selling it to JEFFERSON CAPITAL SYSTEMS LLC
Product: Credit reporting, credit repair services, or other personal consumer reports

Better Mortgage completed my refinance on my home in XX/XX/XXXX. I received a phone call a month after closing from my loan expert XXXX XXXX XX/XX/XXXX on a recorded line asking if he could have permission to pull my credit report again. They pulled my report back in XXXX, XXXX when I applied. The voice recording will show that I didnt give him authorization to pull my credit report and on XX/XX/XXXX I was notified that my credit file was pulled by Better Mortgage. This was a violation of the fair credit reporting act. I notified the company and spoke with several people that said they were going to get the hard credit pull removed. This hasnt happened and XXXX  and XXXX  are still showing the hard pull on my credit files. I think that Better Mortgage is a very under handed company that pulls some shady deals and should be looked into for violating my rights.
Product: Bank account or service

On Saturday XXXX XXXX We my wife and myself attempted to have coins redeemed at Valley National Bank in XXXX XXXX NJ that my wife 's father had accumulated over the course of the year. 
We had meticulously counted the money and the total was approximately XXXX. The bank personnel assisted us by pouring the money into the counting machine. During the transaction the attendant stopped the machine and loaded an empty back to accept coins. 
After this the machine totaled XXXX cents. I have contacted the bank to no avail. 
Someone is either scamming the machine or it is miscalculating the amounts. 
I am a retired XXXX and am not unfamiliar with unethical behavior. I can be contacted at XXXX my Name is XXXX XXXX.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX - I opened a XXXX 's XXXX XXXX unsatisfied with customer service and other experiences with the card I paid a final balance of XXXX on XX/XX/2021 and requested the account be closed. However, I continued to receive statements for a fee and interest charge which I objected to, however the account remained open and continued to incur charges. These fees and charges ballooned to {XXXX and went into charge off status. Although I continue to dispute this item I keep receiving message that the account is with another lender yet that information was not furnished to me. This is a violation under USC 1681. 

XXXX also violated IRS 4681 which prohibits income from being reported on a consumer credit report and failing to provide a 1099c.