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

My Cash App account was hacked. Noticed that there was XXXX w/d from my Cash App that was linked to my debit card and ultimately my checking account. I reported the fraud to XXXX XXXXXXXX XXXX immediately and I reported the fraud to Cash App right away -- same day. Both parties initiated a " dispute '' but months after, I get notification from both parties that they have denied my claim. We have no idea who the money went to, did not participate in the transaction, did not allow anyone access or use of the Cash App account and we did not benefit from the transaction. 
I tried to start the dispute process over with Cash App and the case is still not closed. I can not reach anyone for assist other that slow email back and forth. There is no customer service for Cash App other than email which makes it very difficult and slow to resolve a claim. 
This has been going on for months. XXXX  XXXX XXXX reversed provisional credit on XX/XX/2021 and then closed the case again on XX/XX/2021 ; they state I should work with Cash App. 
Cash App would not assist me but now say they are working with our bank. 
This dispute began back on XX/XX/2021. I reported the fraud the very day the transactions were trying to come through. 
XXXX was stolen from me via Cash App in the amounts of ; XXXX, XXXX, XXXX, XXXX, XXXX. I need help with this dispute. I need Cash App to reimburse me the fraudulent transactions and I would like to close my account out afterwards and the customer service and fraud prevention is terrible. 
My email is XXXX and phone number is XXXX.
Product: Credit card or prepaid card

A. On XX/XX/XXXX I purchased a Business Education and Training Program called XXXX  XXXX XXXX XXXX called XXXX. I purchased training packages and the permission to sell the packages. I paid {$60000.00} for the program and charged {$7500.00} on a BAC Credit Card as XXXX XXXX XXXX, on XXXX I charged {$4500.00} on the same BAC card for XXXX XXXX XXXX NC.. On XX/XX/XXXX XXXX was shut down by the FTC. All XXXX communication and Websites were shut down and remain shut down. Therefore I was unable to sell or get any additional training. On XX/XX/XXXX I notified the BAC dispute department of the situation. They mailed me a from on XX/XX/XXXX and I completed it and sent it back on XXXX XXXX. Since then I have been going back and forth with BAC to send more information and I have submitted information each time. As of XX/XX/XXXX BAC sent me a letter stating they wont continue the dispute because the didnt receive a breakdown of the charges. I submitted a detailed breakdown. This issue is about services unfulfilled. I did receive some of the services : XXXX XXXX XXXX XXXX NC the only items I received from this program was XXXX ( XXXX ) coaching sessions out of XXXX ( XXXX ) which is about XXXX the of the program. Which is XXXX X {$7500.00} = {$1000.00} disputing $ XXXX $ XXXX {$6400.00} XXXX XXXX XXXX XXXX NC I did receive the XXXX ( XXXX ) day seminar, a Private XXXX and a Webinar which is 64 % of the program. Disputing {$4500.00} X 36 % = {$1600.00}. 
I have attached copies of the credit card invoices.
Product: Credit reporting, credit repair services, or other personal consumer reports

The bankrupt company Experian have continued to put fraudulent activity or information in our credit report and informing other companies of the fraudulent information which is heresay and fraud!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a total of 17 derogatory items that do not belong to me with XXXX, Equifax, and XXXX. Several of these accounts are listed multiple times with multiple different spellings. Eleven of the items were removed previously after I disputed them only to be re-added to my credit file with different  spellings. The accounts are as follows : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX  3. XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX 9. XXXX 10. XXXX  11. XXXX XXXX 12. XXXX 13. XXXX 14. XXXX XXXX  15. XXXX XXXX 16. XXXX XXXX 17. 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 charter communications : # XXXX, medical data systems : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a 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

credit bureau has been regularly and irregularly disseminating my proprietary and private information, as i am the holder in due course, and i demand that this cease, i have been the victim of identity tampering as the various name derivations and addresses can show. 
i do not want my social security number used without my consent nor any information i deem private. I will replace social security number with a number that can be substantiated via the Internal Revenue Service to consolidate my account ( s ). I demand compensation and the right of authorizing who gets to view my account data. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit bureaus are required by Federal Law to verify - through the physical verification of the original signed consumer contravt - any and all accounts the Credit Bureau post on a credit report. Otherwise Anyone paying for thier credit reporting services could fax, mail, or email in a fraudulent account. I wish to stop any un authorized business from perusing my account at a whim, asd is now the case.
Product: Checking or savings account

I have been trying to get my deceased wife 's retirement funds released to me. Several calls and long hold times ( XXXX minutes ) only to here they need more documents or that they didn't receive the documents ( death certificate of her and her mom, beneficiary ). This has been going on for months. We were not married at the time of her opening the account, but clearly states me as her husband at the time of death.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in disagreement with the negative items listed on my credit report even after investigation..I requested for an investigation because the accounts do not belong to me..The accounts which appear on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..So CFPB remove XXXX XXXX, XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX ( showing duplicate on my credit report ), XXXX XXXX XXXX XXXX XXXX ( showing duplicate on my credit report ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( showing duplicate on my credit report ), XXXX XXXX XXXX OF XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been disputing my account with TransUnion, XXXX and XXXX for quiet sometimes now and they still have not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ). 

TransUnion Account # : XXXX XXXX Account # : XXXX XXXX  Account # : XXXX I have sent and screenshot of my credit report as long with my credit report and this debt has been canceled you can see it on the comment section. If Im not mistaken canceled means that the debt has been written off to the IRS so I have every right to have this account removed from my credit report.
Product: Debt collection

I filed a complaint last XX/XX/2018 against this same company claim number XXXX Today I received this message below : " Hello, once again, this is XXXX XXXX what I attempted to serve you at your residence and your place of employment to gain your signature in regards to the legal documents. However, I was unsuccessful in doing so now, I am obligated under these documents as a director if you will be fine at this point the process will continue without you if you wish to stop any and I'll proceedings please contact the filing party at XXXX. Please reference account number. '' They called from a cell phone XXXX. I called the number and got a message that it was Cordoza and Wexler again.
Product: Credit card or prepaid card

On ( XX/XX/2016 / {$4400.00} ), USAA SAVINGS BANK added a derogatory mark on my credit report per XXXX XXXX, XXXX, XXXX, and XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. The debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mined. 
According to the FCRA, USAA SAVINGS BANK has violated my rights as a consumer, and I'm requesting legal action to remove this account immediately. 

In addition, the CARES ACT is LAW. ( SEC 4021 ) Any Creditor or Credit Bureau that does not fix any deferred missed payments reported to the credit bureaus are simply choosing to disobey the law and further action on your behalf can result in more issues than a company and/or credit bureau wants to deal with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that Equifax, XXXX XXXX and XXXX room bankruptcy reporting information from my credit profile. I have disputed in the past and all three keep advising they verify the information with XXXX XXXX I have reached out to validate with XXXX XXXX and have confirmed that they are not reporting a bankruptcy in their system. Equifax, XXXX XXXX and XXXX need to reverify their information with XXXX XXXX and remove the incorrect information from my credit profiles. Per FCRA correct and accurate information must be reporting and that is not the case with my credit reports.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVED some of the fraudulent items in my file that resulted from an alleged fraudulent activity but I still have remaining items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an FTC REPORT # XXXX. Ive already included these remaining items in my previous letter & I am including it here again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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 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 XXXXXX/XX/XXXX. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an alleged fraudulent activity. I do not consent to E-OSCAR or any means of automated verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The Listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX 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 a 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: Vehicle loan or lease

I have two vehicle loans with Chase Auto : account # XXXX for a XXXX XXXX and account # XXXX for a XXXX XXXX. The Chase payment history on both account shows no payments credited after XX/XX/2022. As off XXXX XX/XX/2022, I have been given notice of loan acceleration regarding account # XXXX that the full loan balance is due or the vehicle will be repossessed. Phone communication with Chase has been frustratingly unproductive as they are uninterested in doing more than transferring me to another department that either ends up with a dropped call or a call that goes unanswered and they only want to know the location of the vehicles. 

Chase has act # XXXX past due by {$2000.00} and act # XXXX past due by {$4100.00}. 

I have bank statements and checks documenting payments leaving my account and going to Chase bank. None of these payments have been reflected on my account. The payments are as follows : XX/XX/XXXX - act # XXXX in the amount of {$490.00} XX/XX/XXXX - act # XXXX in the amount of {$940.00} XXXX XXXX - act # XXXX XXXX  # XXXX in the amount of {$1800.00} XX/XX/XXXX - act # XXXX in the amount of {$1000.00} XX/XX/XXXX - act # XXXX in the amount of {$940.00} XX/XX/XXXX - Act # XXXX XXXX  # XXXX in the amount of {$490.00} XX/XX/XXXX - Act # XXXX XXXX  # XXXX in the amount of {$940.00} I have attached my bank statements from XXXX - XXXX with unrelated information blacked out as well as images of the checks. 

Chase has also reported to the credit bureaus causing a significant negative impact to my credit score. 

I don't know if someone in their organization refused to credit the payments and pocketed the money or what, but its a very shady business practice. 

I have also filed a complaint with the XXXX XXXX XXXX ( # XXXX ) and will be filing a complaint with the Credit Bureau 's regarding this fraudulent behavior from Chase. 

I can only hope that this situation is an anomaly and other customers of Chase have not also suffered from this unprofessional business practice. 

Respectfully, XXXX XXXX XXXX
Product: Debt collection

Transworld Systems is trying to collect a debt sold to them by XXXX XXXX for {$200.00}. 

In 2020, I had an electricity contract with XXXX XXXX XXXX NOT XXXX XXXX. 
XXXX XXXX XXXX can not provide an accurate record of amounts owed and paid. 

Transworld Systems provided invoice XXXX from XXXX XXXX XXXX for {$500.00} as evidence of a claimed {$200.00} debit for XXXX XXXX. 

Transworld Systems has not provided any evidence I owe {$200.00} to XXXX XXXX. An invoice from XXXX XXXX XXXX for {$500.00} is NOT evidence of a debt to XXXX XXXX. 

Please require Transworld Systems to show this is a valid debt. They are damaging my credit by claiming I owe something they cant prove I owe. 

My wife is XXXX due to XXXX XXXX and we have XXXX children. I need clean credit to support my family. Id pay these extortionists off but they refuse to remove this from my credit report in return for payment. 

Please help me get some justice by making Transworld Systems follow the law! 

PS I filed a complaint # XXXX with the Pubic Utility Commission of Texas to get XXXX XXXX XXXX to provide an accurate record of amounts owed and paid. I pay my debts but demand they are accurate and correct.
Product: Debt collection

I have been receiving calls to my home number from various phone numbers that my caller ID describes as NAVIENT. These include XXXX, XXXX, XXXX, and XXXX. When I call back I am connected to your automated phone answering system. For a while the calls were sporadic but they have increased in frequency recently. I received multiple calls from XXXX on XX/XX/XXXX as well as multiple calls from XXXX. I received additional calls from XXXX on XX/XX/XXXX and then started receiving calls from XXXX. I have been getting 4 to 6 calls a day. On XXXX XXXX, I received a call at XXXX XXXX from XXXX. When I answered, a recording told me that it was calling from Navient looking for XXXX XXXX and wanted him to call back at XXXX to discuss making arrangements for payment of his loan. 

With most of the calls, no message is left and most of the time the calls do not connect with my answering machine. When I answer, the recorded message does not always pick up. I do have an account with Navient, but my account is in good standing and when I called and inquired, I was told that there was no record of any calls being made in my account. 

I reported these calls to Navient on XXXX XXXX, told them that I believed that they had connected someone else 's account with mine using faulty skip trace information. I told them the name of the person they were looking for was XXXX XXXX who is either living in XXXX XXXX or XXXX XXXX. He is not related to me. I have had this phone number for 20 years. Navient has not made the calls stop, they are still calling me about someone else 's debt. 

I believe that the skip trace information was purchased from XXXX XXXX XXXX. They have had faulty information connecting XXXX XXXX to my phone number for years and have refused to fix their algorithms or update their information despite the fact that I have made multiple requests. I want the calls to stop, to be compensated for the calls and the time I have spent trying to get them to stop. I also want Navient to tell me where they obtained the skip trace information and to have that company permanently remove any connections between me and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Upon conducting a thorough investigation of my credit report, I uncovered a distressing array of issues that have severely impacted my emotional well-being. The discovery of unverifiable, invalidated, inaccurate, and questionable items has led to significant distress and even XXXX. It is clear that your agency has failed to ensure that my credit report is accurately represented. 

Under the Fair Credit Reporting Act, it is mandated that all information contained within my credit report be reported with absolute precision. However, it is evident that certain accounts have flagrantly disregarded this requirement. Sections 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) clearly outline the necessity for 100 % accuracy in reporting, a standard which your agency has failed to uphold. 

Attached herewith are copies of all correspondence previously sent to your agency regarding these discrepancies. I demand immediate action to rectify these inaccuracies and bring my credit report into compliance with legal standards. 

Failure to address these issues promptly and effectively will result in further legal action, as I am prepared to defend my rights under the Fair Credit Reporting Act at all costs. 

This matter requires your utmost attention and urgency.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I attempted to sign into my account at Eqifax. My PXXXX XXXX XXXX were apparently wrong, so I clicked on login help and entered the required information and the screen went to " Sorry we can not process '' right now and gave a phone number to call. I called went through the automated questions, and was told I " could not be verified ". This lead to a dead end. There is no way I could talk to a human. I tried several additional times, both by phone and even tried a different browser. I searched for additional phone numbers for Equifax and found 1 but it lead to the same result. 
My experience with XXXX and XXXX XXXX went smoothly.
Product: Mortgage

Mr. Cooper refuses to remove the PMI from my mortgage despite the fact that I have meet all of the criteria : -My balance is below 80 % of the original loan value. 
-I have never missed a payment nor been late on a payment. 
-I supplied a Broker Analysis proving that the value of my home had greatly appreciated from the original loan amount. 

I have been going back-and-forth with Mr. Cooper for almost 2 months and they are being obstructionist and refusing to remove the PMI despite meeting all of the criteria.
Product: Credit reporting or other personal consumer reports

I submitted a dispute on XX/XX/year> for a XXXX XXXX creditor thats not mine and still on my credit file when it shouldn't be. I won a judgment in my favor on XX/XX/year> against the creditor but they have not removed the account from none of the 3 bureaus. I submitted court documents showing in my favor, Experian sent me an email on XX/XX/year> saying they resolved my dispute but they did not the creditor is still on my credit report.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : EXPERIAN : Company : XXXX XXXX Account No. XXXX Balance : {$23000.00} Date Opened : XX/XX/XXXX Company : XXXX XXXX XXXX Account No. XXXX Balance : {$14000.00} Date Opened : XX/XX/XXXX TRANSUNION : Company : XXXX XXXX Account No. XXXX Balance : {$23000.00} Date Opened : XX/XX/XXXX Company : XXXX XXXX XXXX Account No. XXXX Balance : {$44000.00} Date Opened : XX/XX/XXXX EQUIFAX : Company : XXXX XXXX XXXX Account no. XXXX XXXX Balance : {$44.00}, XXXX Date Opened : XX/XX/XXXX Company : XXXX XXXX ( CLOSED ) Account no. XXXX  XXXX Balance : {$23000.00} Date Opened : XX/XX/XXXX