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

On XX/XX/2020 I sent my son some money for my grand kids. I used my cash app to send the money. The amount was {$140.00}. My son said he misplaced his password and tried to get help from the Cash App Support team. My son followed the directions sent by the support team but still was unable receive the funds. After haggling with the support team many times their was one gentlemen who said they were not authorized to return the funds to me because the funds were stuck out there in virtual space. I was upset that a company like Square Inc. who owns the cash app service did my son and I a disservice. The company does not even have a phone set up to talk with some one. You have to email back and forth. Now XXXX XXXX the XXXX of Square Inc is worth {$12.00} XXXX dollars and you mean to tell me that I can't call anyone to rectify the problem when you handle money transfers daily and I can't get my {$140.00} back because my son misplaced his password? Something is wrong with this picture. So, I did some investigating and I have seen other Cash App Users have had problems with the App. I will attach a communication between myself and the Cash App Support team.
Product: Credit reporting, credit repair services, or other personal consumer reports

After my identity been compromised I've noticed accounts on my credit file inwhich i have absolutely no knowledge of, I'm asking that these accounts be removed and blocked from my credit file immediately. 

1 ) XXXX XXXX XXXX  {$300.00} 2 ) XXXX XXXX {$65.00} 3 ) XXXX  XXXX XXXX {$160.00} 4 ) XXXX  XXXX XXXX {$400.00} 5 ) XXXX XXXX XXXX {$51000.00} 6 ) XXXX XXXX XXXX XXXX XXXX {$30000.00} Please provide me with physical documentation of these accounts, or remove them.
Product: Money transfer, virtual currency, or money service

I was.scammed to the total of {$1000.00} dollars by an individual by the name of XXXX XXXX posing as an individual as XXXX XXXX XXXX XXXX. If I did not make this transfer today, he would turn my case over to the criminal division which would create a warrant for my arrest.
Product: Credit card

I'm disputing the current late payment ( s ) which ae being reported to my credit report. The following information is inaccurate. Under 12 CFR 1026.13 ( a ) ( 7 ) I informed the creditor in writing that I had moved at least 20 days before the end of my billing cycle. 

The creditor failed to provide me with any statements for more than 90 days. I had to contacted them numerous times requesting new statements but was informed there was a glitch in their system. They said they'd fix the issue but my credit is still being impacted. Creditor failed to comply with a requirement under this subchapter of the law 1026.13 ( a ) ( 7 ), have been damaged and/or they are liable to me under 15 USC 1640 . 

Dept Of Ed/XXXX  XXXX, Dept Of Ed/XXXX  XXXX XXXX Dept Of Ed/XXXX  XXXX XXXX Dept Of Ed/XXXX  XXXX, Dept Of Ed/XXXX  XXXX
Product: Debt collection

ONCE AGAIN CBCS GNORED OUR BANKRUPTCY XXXX XX/XX/XXXX-XX/XX/XXXX AND VIOLATED THE AUTOMATICE STAY. ALSO KEPT CALLING MY CELL SEE ATTACHED. IF NECESSARY WILL RE-OPEN BK AND FILE ADVERSARY PROCEEDINGS COMPLIANTS IN THE AMOUNT OF $ XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In compliance with 15 USC 16c-2, I request the removal of unauthorized hard inquiries on my credit report that are inaccurately affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a brother that keeps getting phone numbers after they no longer exist from almost 10yr ago and using them to make fake account and hackingdata! XXXX XXXX XXXX need some one to investigate because that's a federal offense I thought also using people that has passed away numbers I reported Identity theft and put alerts on most of my account! How can I stop him also I want a 20 year search on my social security # cause they been doing this for a long time my own family member!
Product: Consumer Loan

I was referred to a broker who worked for Fleet Financial. My experience and complaint is against the company, not the individual. My husband and I have never leased a vehicle and after being presented with options by the broker, we thought this to be the best fit for our growing family. I leased a vehicle on XX/XX/2016 through Fleet Financial. They acquired the vehicle from a XXXX dealership and the financing was through XXXX ; however, Fleet Financial did not disclose any notice relating to what fees we would be charged for using one of their brokers and because there was no direct compensation to the broker, we were unaware that fees existed. I would have understood that no one works for free, but the context and way they were paid was never disclosed and in my opinion, misleading. 

The trade-in description and allowance on the lease shows N/A. We traded in my husbands XXXX. We were also charged XXXX for " optional insurance, '' we did not agree or know what this was. We also were required to write a check of {$460.00} to XXXX XXXX when this was not disclosed when we approved for the lease. Naturally, we obliged because of how far we were into the transaction. 

Lastly, the car was purchased XX/XX/XXXX, tags on the vehicle were due XX/XX/XXXX, I went to the DMV on XX/XX/2016 after wondering if I would ever receive the notice to go purchase my tags. After using my XXXX and taking over an hour at the DMV I learned that they were yet to receive the paperwork on my vehicle, thus, they had to give me an extension to XX/XX/2016, which was 2 months after the original date my tags were due. When I finally got a chance to purchase my tags the DMV employee advised that since it had been so long the amount due was much higher than it should have been, upwards of XXXX-XXXX dollars I paid in addition because of Fleet 's lack of due diligence. It is my suspicion that Fleet purposefully held onto the money in an interest bearing account instead of dispersing so that they could make interest on money which was not theirs. I ca n't imagine I am the only person this has happened to.
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not.

As this my 3rd time trying to remove these items so I can buy a home. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed and blocked immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following information is incorrect and should be either corrected or removed from my credit file. 

XXXX XXXX - incorrect name, XXXX XXXX XXXX/XXXX  - ( all accounts are suspected to be fraud ), XXXX - fraud, XXXX - fraud, XXXX XXXX  XXXX XXXX - fraud ( 2 accounts ). XXXX - fraudulent inquiry, XXXX XXXX XXXX - inquiry.
Product: Consumer Loan

I applied online for a Discover personal loan. I am a XXXX Non-Resident on XXXX. Their questionnaire asked whether or not I am a US Citizen - I selected " No ''. Their questionnaire asked whether or not I am a Permanent Resident US Citizen - I selected " No ''. I then completed the rest of the application and submitted it for approval. Discover then conducted a hard credit inquiry and declined my application. I called Discover to understand why my application had been declined and the customer service agent told me that Discover does not provide personal loans to non-US Citizens or non-Permanent US Residents. If they already knew from the application form that I did not qualify for a personal loan, why was I allowed to proceed with the application and be subject to a hard credit inquiry? As a result of the hard inquiry my credit score is now lower versus before the inquiry, which will negatively affect my ability to obtain a personal loan from another financial institution. The customer service agent told me that Discover did n't want to discriminate against non-residents during the loan application process, i.e. all are welcome to apply. However if it 's Discover 's policy not to lend to non-residents, then they are still discriminating against non-residents. While I can understand their reluctance to lend to non-residents ( albeit short-sighted in my opinion ), why did n't they transparently preclude me from continuing with the application vs. doing a hard inquiry?
Product: Mortgage

I wrote to Wells Fargo and asked how they determined the amount of the check. 
They refused to say claiming that the information is proprietary. 
All they are willing to say is that a mistake was made while servicing the loan. 
To date we have not cashed the check. 

These people refused to work with us to save our home, refused to acknowledge unemployment as income and never let us talk to the same person when we called multiple times. 
At one point in a request for modification they wanted a {$10000.00} payment 6 months into their proposed program. We reused to commit to that. Afterwards we couldn't get anyone to work with us at Wells Fargo. 

I will attach the correspondence as part of the complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act # XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXXXXXX and XXXX XXXX XXXX  XXXX have 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 states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

1. This is a complaint and a request for a cease and desist demand directed to TransUnion and XXXX XXXX XXXX XXXX for unlawful credit reporting and re-aging. XXXX XXXX hold no legal or equitable interest in my property, and the account is time barred. 

2. Whereas, the CRA is reporting obsolete information as to account # XXXX which was previous account # XXXX, and are continuing to unlawfully use the re-aged account for more than 18 month beyond the date the account was scheduled to be removed from my credit file. 

3. XXXX  and XXXX, In response to a previous DISPUTE, correctly deleting the time barred account. However, TransUnion chose not to REMOVE THE obsolete ACCOUNT from my credit file.

4. Failure to comply with federal regulations by TransUnion credit reporting agencies must be investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). TransUnion representatives are fully aware that they are operating in violation of the law to benefit a purported creditor.

5. Please be advised that according to TransUnion 's historical records and XXXX previous trade-line, account # XXXX has been intentionally misstated as XX/XX/XXXX, which is two full years pass the previously reported date of removal. 

6. As proof see ( EXHIBIT-4, TransUnion credit report number XXXX dated XX/XX/XXXX ). It clearly and specifically shows in their own historical reports that the " ESTIMATED MONTH AND YEAR THAT THIS ITEM WILL BE REMOVED : XX/XX/XXXX ''. 

7. TransUnion has a duty imposed by 15 USC 41, et seq. to follow it own historical records that legally require the deletion of the above reference account # XXXX automatically. See EXHIBIT-8, results of XXXX  dispute investigation, and the CRA 's removal of the obsolete account record. 

8. I have reason to believe that the present CRA is operating on behalf of the debt collector to the determent of the consumer in this case. Therefore, I ask this agency to force compliance with the FCRA, and to compel XXXX XXXX XXXX XXXX to immediately cease and desist as to any and all forms of collection, and that the CFPB takes action against the CRA and the debt collector for pursuing disputed, unverified and time barred debt.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX # XXXX XX/XX/XXXX -- {$1500.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Debt needs to remove off of my credit report ... sent in a DEBT VALADATION LETTER TO XXXX XXXX in XXXX 2017. They have not vi the DEBT and this not my DEBT. I have toward all info including letters and certified sign return receipt to all 3 credit bureau and XXXX will not remove it and they have all PROOF that I have mailed XXXX XXXX to vi debt
Product: Credit reporting or other personal consumer reports

I have sent a complaint dated XX/XX/XXXX and XX/XX/XXXX, this was my follow up to those previous complaints and I am hoping that the 3 Credit Bureaus namely XXXX, Equifax and XXXX Credit Bureaus will REMOVE these items I listed in this follow up complaint within 15 days : 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 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
Product: Credit card or prepaid card

I have a XXXX Rewards credit card through Comenity. In XXXX of 2022, the rewards completely stopped working. I have called both Comenity and XXXX XXXX and no solutions have been offered by either. It was referred to as a delay. Ita been more than 90 days since any rewards have registered for any purchases. This is unacceptable and I will be canceling my account if it isnt fixed within a week. Comenity obviously does not care about its customers.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 


XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I been at this address since XXXX : XXXX XXXX XXXX XXXX XXXX, IL XXXX. 
The credit companies has multiple addresses I never live at. 

Collection/Charge-off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting act, my collections, loans, credit lines and hard inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

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 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 items of information, other than records of convictions of crimes which antidotes 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.

I demand the collections be removed from my account immediately.
Product: Credit reporting or other personal consumer reports

These accounts are the result of identity theft starting with a room mate from back in XXXXXXXX XXXX XXXX Her and I were sharing an apartment so she had access to my personal information. The following three accounts were opened by her without my knowledge or consent : 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
Product: Debt collection

Hello, I have a collections account under my experian report from Tek Collect trying to collect a debt for XXXX XXXX but I do not owe them anything. I called to confirm and they couldn't identify any ties between my account and Tek Collect. When i called and told Tek Collect this, they couldn't assist me in anyway but to get me to settle for a cheaper amount on the spot. They said I have to take it up with my dentist but then the dentist told me to just contact the CFPB to get it resolved.
Product: Payday loan, title loan, or personal loan

I paid this account off BEFORE due dates each month and they continue to report it late on my credit report violating many FCRA laws. I paid the loan entirely off last month and just received another 30 days late on XX/XX/23 when the loan was PAID IN FULL BEFORE THAT DATE! I have disputed this and nothing changes. Not to mention they have been calling/sending me text messages attempting to collect on a balance that was NOT past due. I requested them to stop contacting me in writing about the remaining ( last ) payment of {$280.00} and it would be paid before the due date and even after requesting them to stop contacting me they continued to do so calling several times at once. I would never purchase anything from this company ever again based on these practices.
Product: Debt collection

Toyota financial Gap insurance claims they guarantee auto loan protection. They refuse to pay off the insurance deductible. I have talked to them several times. They refused to pay XXXX XXXX XXXX XXXX the complete {$2500.00} deductible. My credit is being ruined because of it. The account number with XXXX XXXX XXXX XXXX is XXXX. 

XXXX is the vin You can use with Toyota financial Gap services.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was just reading an article about a lawsuit that was filed against the company that runs XXXX XXXX and while reading it it sounded very familiar to an issue I had with Chime banking. Ive had Chime since around 2019 and pretty much think they are the perfect bank but as we know nothings perfect so it makes sense. They were bound to have some major flaw. I needed help with a fraudulent transaction. Long story short a XXXX XXXX XXXX managed to acquire a XXXX XXXX number that was identical to XXXX XXXX XXXX except its no longer XXXX number but when you call it, they claim to be an XXXX Subsidiary and I was charged {$500.00} for papers that you can directly print off of your XXXX website. There are hundreds of complaints about this company online and I was in contact with Chime no less than 20 individual times trying to get my {$500.00} back they made me fill out all this paperwork file police reports and everything, I sent them screenshots of all the complaints and even told them how simple it is to do a XXXX search to prove what Im saying. It has been about a year and Chime still refuses to give me my money back. Ive had a month later my wife had a similar experience over being conned at a concert for a {$50.00} parking pass from someone who had no affiliation with the parking lot and same thing jump through hoops never got her money back. Also, if you request to speak to a supervisor, they hang up to you if you request any type of contact information or email address for any type of upper management they say they dont have it or they hang up on you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, Capital XXXX auto XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX Bank XX/XX/XXXX, XXXX XX/XX/XXXX, Bank XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Ally Financial XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, Bank XXXX XXXX XX/XX/XXXX, All Financial XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, TD auto financial XX/XX/XXXX
Product: Credit reporting

its shows a conviction on my credit report and I have not been convicted of any crimes