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

I had a Cash App account where I sent money for purchases and had purchased stock. On Monday, XX/XX/year> at XXXX XXXX  ( Central ) I received several emails saying my stock was sold. I immediately opened the app and started a thread with customer support. While I was on with customer support, the money from the sale of the stock was transferred out. I opened up the same thread and told customer support what happened. They assigned my case to an investigator. The investigator sent me an email and I answered all of the questions including what happened and that I was in possession of my phone. I also have a pin code for transactions in cash app on my phone for security. 

The investigation said I made the transactions and it closed the case. I called the support number within the email to say I could not make the transactions while I was in the thread with customer support and it was fraudulent activity. The support representative just repeated the same line from the email. I know by now, I will probably not be able to get my stock back. I do believe they owe me a complete refund.
Product: Checking or savings account

I checked my bank account on the morning of XX/XX/XXXX and found I was - {$600.00} dollars. 

These charges had to have happened between XX/XX/XXXX and XX/XX/XXXX XXXX fraudulent charges for places I've never been or heard of. 

1 charge for {$230.00} dollars at a XXXX XXXX 1 more charge for {$230.00} at a XXXX  XXXX Then {$100.00} at a XXXX XXXX XXXX in XXXX, California. 

I live in XXXX, Ohio. 

I called my bank and the said it will take 2 weeks to refund and get a new card. I just got my direct deposit from work and still did not come back from being negative. 

I'm not sure what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get my name corrected on my Experian credit for over five years and still not correct.My name is XXXX XXXX XXXX and not XXXX XXXX XXXX XXXX sent documents on multiple occassians.I recently filed small claims court hearing against Experian because they refuse to fix the credit inquiries that I did not authorize because the names do not match up.So the names do not match up the inquiries need to be removed and name updated.Here is a list of inquiries requesting to be removed. 


Contact info XXXX XXXX  XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email XXXX XXXX  XXXX Automobile Dealers, New Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Bank - Installment Loans Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX O Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX, XXXX Bank - Installment Loans Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Sales Financing Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Bank - Installment Loans Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXXAuto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX I am attaching DL, MILITARY ID, AND SSN CARD.
Product: Credit reporting or other personal consumer reports

The following account appears twice on my credit profile. Im an AU on my wife 's credit through her XXXX XXXX account. The duplicate account appeared on my credit within the last week. Everything is duplicated with the exception of the balance, which is a {$1000.00} difference... It took my credit score down XXXX points, and I need this corrected. 
The report dates are XX/XX/XXXX and XX/XX/XXXX. 








XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Disputes XXXX, VA XXXX
Product: Checking or savings account

I previously had an account with Capital One several years ago. Those accounts were closed years ago. I ended up becoming a victim of identity theft several years back, and then again during the pandemic. I decided to open a savings account with Capital One recently ( applied a few weeks ago ) and I was ultimately denied due to not being able to verify my identity. I was told that I would need to travel to California and visit a branch in order to verify my identity. After that I happened to find out that I still had a freeze in place which I had lifted and then I decided to try to apply again for a checking account with Capital One 2 days ago. I spoke with several people. I ended up talking to a case management type department. I was told that there are several flags on my social security number. I was told that it appears that my social security number was breached. I was told that someone else may have been using my social security number. When I asked how can I find out for sure they stated that they cant provide me with that information. I said if someone else has ever used my social security number with capital one then that is information that I need to know. I asked can you provide me with if there is any differing address or contact info on file that would be different from mine. They stated that they cant provide me with that information. I said are you kidding me? You are telling me that my social may or may not have been breached, that someone else may or may not have used my social security number with capital one .. and you are telling me that you can provide me with no information for me to know for sure they said yes thats correct. They said that I will need to travel to California, provide all my forms of ID along with myself, and then they can provide me with further information. I told them I am going to seek out legal assistance and they just said ok. They seemed to be just fine not providing me any type of information at all about my own social security number. I very very recently filed bankruptcy and was discharged, so I am also going to contact my bankruptcy attorney on it. All I wanted to know is if someone else ever used my social security number with Capital One and they have been refusing to provide me that information. I am not going to travel all the way to California just to find out that information. Its beyond ridiculous and disgusting to put customers through this.
Product: Credit reporting or other personal consumer reports

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here! 

Please delete the 3 following accounts from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

The following is a recapitulation of the events beginning XX/XX/2022 with reference to the fraudulent checks processed through Chase Bank. 
XX/XX/XXXX - Four checks were processed and immediately recognized as checks we had not produced. 
The check numbers were numbers we have never ordered and the style of the check while similar was slightly different in format. The amounts written out were in all capital letters which we never use and when viewing these checks we saw the payees were not our employees or vendors. 
We immediately contacted our personal banker at our branch bank in XXXX XXXX, Florida and followed every instruction and procedure given to us. 
XX/XX/XXXX - 10 more checks were paid and again we notified the branch. 
XX/XX/XXXX thru XX/XX/XXXX - 18 more checks were cashed and withdrawn from our account. At this point the fraud totaled {$32000.00}. 
XX/XX/XXXX and XXXX - Five of the checks processed in XXXX were redeposited into our account and we thought this nightmare was coming to an end. 
XX/XX/XXXX we, as told by your staff, submitted the Unauthorized Signature or Forged Item Declaration with the dates and amounts of the first {>= $1,000,000} and assumed that from that point forward all the funds wrongly taken would be replaced and the travesty would stop. However : XXXX continued to be a fluctuation between checks being paid to the criminals and funds being returned to our account but the net effect was that we were still short {$33000.00}. Not an appreciable net gain. 
XX/XX/XXXX - All funds except the first {$16000.00} from XXXX had been returned. BUT On XX/XX/XXXX through XX/XX/XXXX the funds that had been given back to our account were taken from us AGAIN. 
The total amount we are expecting to be returned to us is {$37000.00}
Product: Credit reporting or other personal consumer reports

This information is under my name and is causing me harm. I need it removed from my history. 



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

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I found Midwest Recovery Systems on all three of my credit reports and I've never even heard of the account. It says it's for a pay day loan and I've never opened one before. My identity was stolen a few years ago and I have an fraud alert but somehow these people still harass me, them showing up on my credit report is the final straw. I get phone calls all the time threatening to arrest me. I believe Midwest Recovery Systems is behind every problem I've had and they're responsible fully for my identity theft. It's the same company, they just change their me every year because they start to get so many complaints.
Product: Debt collection

I am attached a long pdf in an attempt to explain the list of events by a collection agency trying to collect a debt for an apartment complex I rented from last year. 

They claim I had over $ 2k in damages. They kept around {$900.00} in deposits and refuse to apply all of my security deposits to the damages. In addition, there were terms for a walk through that were denied to me. It is in the lease and final move out docs. In addition, they are charging me for carpet that looks great but they say the backing is stained. What? The backing? the carpet was n't even new when I moved in. 

At any rate, they are keeping around {$900.00} in deposits, charging me {$1100.00} and now adding on around another thousand for legal fees ... all because I keep disputing and trying to make them get the fees correct. 

They have handled my situation so poorly and has now gone from a {$1100.00} debt ( damages that I have not seem proof of as I left that apartment is good condition ) up to {$2200.00}. They are adding on all kinds of legal fees as I try to deal with them and they continue to dismiss my concerns. 

I do not believe that these legal fees were necessary. I did not pay the debt originally because they would not apply my full security deposit to damages. I did not pay the original debt because they had me sign a blank for and put in damages later. Damages that I do not think were there ( under the carpet that I could not see ). Over charge on paint. Improper service of summons. 

They have put me off and not wanted to deal with my ( seemingly legitimate ) concerns that I am not being charged correctly. Now they want to add on all these attorney fees. Now I am in a position of fear : pay the debt I do not owe or have to pay an attorney to go to court on my behalf for a lawsuit. That seems wrong when the apartment complex has errors in their bill. Why should I have to pay for attorney fees when they will not address my concerns? 

They are using a fear tactic. Lawsuit for {$1100.00}. They know that a defense attorney would cost more than me just paying the wrong debt. That seems illegal to me. Yes? No?
Product: Credit reporting or other personal consumer reports

American express is reporting my debt as valid when they did not prove how they came up with that final decision when I had identity theft that accured. They also reponded after 30 days and continue to report the account as mine and report late payment which cause my score to go down while trying to purchase a home
Product: Credit reporting or other personal consumer reports

I have noticed for a while that certain lenders can not get a Transunion XXXX score. Today I applied for a loan and it said Transunion does not have a credit file and score available for you. I also noticed that XXXX XXXX said could not check my numbers with Transunion. XXXX XXXX XXXX last XXXX was in XX/XX/year>. So today I tried to call Transunion to see what is going on. XXXX with XXXX XXXX said she could not pull my file and I would have to call Consumer Relations. XXXX with Consumer Relations said she could not pull my file either. She questioned whether I had any consumer accounts. I am XXXX years old and I have had a consumer file with Transunion for about 32 years. I've bought a house, several cars, loans, and credit cards. So now she has transferred me to a supervisor with a case # XXXX. I didn't get her name but at first, even she could not access my file with my ssn. So now she is telling me to send a proof of identity letter with a copy of my ssn and dl in the mail. How is that not a security issue? I couldn't send it to them encrypted or anything. This is unbelievable. And then she shows a huge lack of concern about why I'm upset and having to do all of this. She then tells me that she can see my credit file. So why am I having to do all of this and why isn't Tranunion providing this information when lenders request this. This has been going on for months. For months I have been denied credit because Transunion is saying they don't have a file for me. I have proof of the denials. Now I have to send in a proof of identity just so I can see my credit report. But what about the lenders. Are they even fixing that problem? My new file # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of inquiries and accounts was unknown and erroneous. The inquiries were pulled without my knowledge while the accounts ' information was marked incorrectly. Please be noted that I have sent out letters prior to this complaint to TransUnion and to the companies for them to investigate. However, there was no response from either of the parties and this is terribly causing my credit. Have these following items be corrected and removed accordingly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately 9. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account XXXX : XXXX As a consumer by law, this account must be deleted immediately 10. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Late XX/XX/2018 I contacted Experian, XXXX and XXXX and informed them that the Chapter XXXX & and Chapter XXXX listed on my credit report needed to be removed in accordance with FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) which states, information which can not be verified is required to be promptly deleted. I also included a letter from the United States Bankruptcy Court XXXX District of Wisconsin Office of the Clerk Office. The letter was submitted to support my case that the Bankruptcies should be removed and to show that the Bankruptcy Court does not report directly to any third party agencies.

All three credit agencies responded to my dispute and stated that the information listed on my report had been verified by the furnisher ( XXXX ) and that the information would remain on my credit report. I contacted the credit agencies again and filed a second dispute. I also informed them that I applied and completed a security freeze with the agency ( XXXX ) they claimed verified the Bankruptcies. 

Again, I was told by all three credit agencies that the information was verified by XXXX and was accurate. I contacted XXXX by phone and email and was told that they never verified the information with Experian, XXXX or XXXX. XXXX also stated that they could not verify any public records because of the security freeze I applied for in XX/XX/2018. 

I then filed a dispute directly with XXXX who claimed to get the information directly from the Bankruptcy Court. In response to my direct dispute with XXXX they sent me a letter which stated that they can not verify any public records after a security freeze is in place. 

I filed a third and a fourth dispute with all three credit agencies. I included a copy of the letter from the United States Bankruptcy Court and I included the letter from XXXX. 

Again, I was told that the information was verified even though, I submitted a letter from the agency they stated verified the information stating it is not possible to verify the Chapter XXXX and the Chapter XXXX listed on my credit report. 

In accordance with FCRA Section 609 ( a ) ( 1 ) ( A ) information that can not be verified must be promptly removed. I have shown and proved that the Chapter XXXX and the Chapter XXXX listed on my credit report can not be verified ; Therefore, the Chapter XXXX and the Chapter XXXX should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an error : Name Added : The name ( XXXX, XXXX, XXXX ) is listed on your credit report as of XX/XX/2019. 

My name is XXXX XXXX. XXXX, XXXX, XXXX is not my name and in fact it just looks like XXXX gibberish.