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

I sent a sum of XXXX BTC to an account owned by my girlfriend, which is administered by CashApp. CashApp locked those funds due to a transaction limit, and instructed her to return the funds to me. 

However, when she attempted to do so, CashApp denied her access to the funds and claimed that her PIN was invalid. She logged in to change the PIN, and tried again. CashApp once again invalidated her PIN. This has made our issue impossible to resolve and locked up a significant portion of our life savings.
Product: Credit reporting or other personal consumer reports

I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for XXXX XXXX XXXX XXXX report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

Account 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

On XX/XX/2021, I sent a letter regarding inaccurate and unknown items notated on my credit report. As of today, approximately 50 days later, I have not received a response. I feel like I am being taken advantage of, my disputes are being ignored and my rights are being violated. In Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a legitimate reason to immediately remove those items from my credit report. It has actually been well over 50 days ; therefore, those items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress and mental anguish caused. My information was also impacted by the XXXX  data breach and may have found its way into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I need this items deleted from my credit report. 1 XXXX, XXXX, XXXX, XXXX, US DEPT ED, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX. inquiries : XXXX XXXX/XXXX XXXX MO, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX.
Product: Debt collection

On XX/XX/2018 I received a call from XXXX XXXX XXXX out of XXXX, AZ. They called asking for a member of a church I use to attend. Im not sure why they had my personal cell number but they did. They asked me was I this particular individual and I said no. They then proceeded to ask me if I knew the individual and I said yes. They then started verifying this individual 's information as if it were me. I quickly stopped the guy and stated, this is a breach of confidentiality and you have no right to verify another individuals information with me. This person could be an enemy of mine and you just gave me their address. He stated his name was XXXX XXXX and was just trying to gather information. This was improper and a breach of the " unnamed '' individuals confidentiality.
Product: Credit reporting or other personal consumer reports

Am writing to ensure you always have the most accurate information in my credit file at all times. I have highlighted the items below that are inaccurate and need to be removed from all XXXX agencies ( XXXX, XXXX, Transunion ) as soon as possible. I sent the corresponding letters to each credit agency in it's perspective to solve this manner. This is the second time sending these letters off, but this time i had each of the letters certified. I also sent a copy of my identification and current address with a copy of my social security card for verification purposes. 

-Please delete the follow inaccurate names : XXXXXXXX XXXX XXXX XXXX XXXX XXXX -Please delete the following inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and any other addresses that is NOT the address below : XXXX XXXX XXXX XXXX XXXX XXXX XXXXPlease delete the following inaccurate employers : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under XXXX XXXX XXXX sec. XXXX. 
as stated above, I have enclosed copies of my state issued identification and social security number to validate my identity. 

Regards, XXXX XXXX XXXX
Product: Vehicle loan or lease

Capital One Auto Finance reduced my payment to XXXX due to financial hardship. However when I tell Capital One Auto Finance when I am going to pay the XXXX. I get constant daily phone calls before the Promise To Pay Date!! 
Is this Predatory Lending Practices? 

I spoke to XXXX a representative in the United States yesterday when I returned the call from Capital One Auto Finance. 
XXXX told me that she did NOT know WHY I was receiving phone calls from Capital One Auto Finance because they have a Promise to Pay arrangement for a payment of XXXX for XX/XX/XXXX. 

The reason I am writing today is because Capital One Auto Finance is continuing to call me daily and I wish I could just win the Lottery and pay my XXXX XXXX XXXX off. This has been the worst mistake of my life financing my vehicle through Capital One Auto Finance. These Predatory Lending Practices must be STOPPED!!

I WANT THE CALLS TO STOP. 
I was told by XXXX yesterday that the XXXX day that my Promise to Pay was listed was on XX/XX/XXXX. So all the XXXX 's before that phone call did NOT note my intentions to pay on XX/XX/XXXX. 
Nor did the previous XXXX 's inform me that there was a certain date to call on to have my Promise to Pay noted for a particular date. 
XXXX because XXXX told me XX/XX/XXXX and the calls are continuing to be made on the Daily Basis. 
Capital One Auto Finance should know the law!!

Predatory Lending Practices are Illegal in the United States.

I would like the CFPB to file charges against Capital One Auto Finance on my behalf.
Product: Debt collection

Please see prior complaint filed with CFPB, complaint ID XXXX. All information provided in that first complaint remains the same.
Product: Credit reporting or other personal consumer reports

Transunion is reporting inaccurate and fraudulent information on my credit report in reference to account # XXXX XXXX XXXX I have never owned or been associated with this account
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is violating my rights under the FCRA.After many attempts to dispute my credit report I get the same error message.We’re sorry, this site’s dispute functionality is not available at this time. Please wait at least an hour and try again.The above error message occurs any time of day and any day I try to file a dispute.There seems to be where I have been blocked to enable me to file a dispute. Their site allows me to log in but blocks me to file a dispute.
Product: Checking or savings account

My bank account on a lot of my transactions were being charged more than once then my money started to go low quickly
Product: Money transfer, virtual currency, or money service

In XX/XX/2021 I was contact via phone from a rep who claimed to be with Wells Fargo. The scammer had all my information from acct numbers to profile information. The scammer pretending to be a Well Fargo rep told me someone had tried to make XXXX XXXX  transactions from my acct and they told me they stopped the transfer which i later found out never happened. The scammer then told me to get my money back I had to make the same XXXX  transfers to a XXXX acct. I had no reason to believe it was not wells fargo and it seems more and more of Wells Fargo customers are being scammed the same way. Wells Fargo had no information on their site until a week ago telling its customer the scam has been going on but Wells Fargo has known this issue has been going on for over a year. They also knew that my acct information was hacked thru their servers and they will not refund XXXX dollars I was scammed. This plain wrong and Wells Fargo is trying to get out of this issue like they have with other scam issues in the past. They knew this was going on with plenty of customer and that someone was spoofing their number to talk to their customers but seem to take no responsibilty in there neglegance. I filed thru XXXX  and its seems they are finally tryin to alert their customer but the damage has been done. It seems the media is getting ahold of this from other customers who have been scammer. Wells Fargo needs to do the right thing and I will sue if refund is not given and there is many of us that have been hurt by Wells Fargo lack of security then step back and say it wasnt us but it truly is they need to alert customers when there information has been stolen from either employees or scammers. Below is a link of the same exact thing happening to another women and again Wells Fargo blames its customers when this clearly is wrong doing by Wells Fargo. I ask for a refund and apology letter from XXXX XXXX staff on how Wells Fargo should have done more instead of point the finger. I will keep posting on social media about how Wells Fargo does not honor there own responibilities. Thank you. 

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

I sent a dispute on XX/XX/20 to Experian. It has been well over 60 days and I have not receive any response from experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act Designed XXXX XXXX account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXXXXXX XXXX  account # 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.
Product: Credit card

I have been trying to resolve this for months they kept sending a affidavit to the fraudulent email account so I never received it I kept getting phone calls I gave them my correct email and they still never sent it then one day the person on the phone said they could only send it to the email on the account and I explained I dont know what email that is I gave them XXXX of my current emails and still nothing then I filed a complaint with the XXXX and they finally got me a affidavit to fill out, I had tried to file a police report but I live in a small area where they police were very understaffed and when I called they told me to file with the federal trade commission a ID theft case so I did and then I was told they were holding me responsible for this account. Then I finally went down to the police department and explained I needed someone to fill out a report the police officer took down the information and gave me a case number yet still told me it was not a full report they did not have time for this and that I have reported the ID theft and it was enough he wrote all the information and it is at the XXXX XXXX XXXX department. Case # XXXX XXXX XXXX he said anyone can call him at XXXX he said that the company has to take this off my name cause it is fraud I have done everything I was told to do yet I am still spending hours trying to fix this and this is not right, I had my daughters so called friend in my house going through my office when I was out of town and they both were using drug I had no idea that they were using any of my information yet I had several accounts opened they stole my mail key stole mail and then when I got home they came in and used my phone my ss # and other things to get and ope accounts my daughter stated to me that she had her call right away and cancel the account an I had no idea any of this happened until months later I started getting phone calls saying I owe money I thought it was fraud trying to get me to give my account numbers up to pay something that was not mine. I really need someone to help me fix this I did not do this I would have paid my bill I pay my bills on time I have only one late payment in my life Im XXXX years and this has been very stressful and taking up needless hours of my time to try and fix it XXXX XXXX XXXX XXXX XXXX are both in prison for the next 5 years over all the fraud and mail theft they did but I did not do this You can look them both up at XXXX XXXX XXXX  in XXXX Or they were charged with over XXXX counts of mail theft and fraud and plead gulity to XXXX counts this is not mine they had been using my information for awhile I one account back from XXXX  that was not mine.
Product: Student loan

the problem listed on the prior webpage is the same as mine ... paid forever and many fees added -- owe more now than ever ... My loans were sold to a private institution ( preventing me from ability to receive forgiveness -- without my knowledge or consent ). 
I have worked as a XXXX XXXX XXXX, as a XXXX in a State University ( XXXX ), and as a XXXX XXXX XXXX -- for a cumulative total of over 15 years ... No forgiveness me though ( guess I am too XXXX and a male or something like that ) and I owe more now than I originally did -- despite 15 years+ in payments -- very discouraging! I believe I have paid interest now totaling approximately {$45000.00} and owe more today than I originally took out in loans... 
Doubt you will help! Keep making that money... 
Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX IS IN VIOLATIONS OF THE FDCPA 15 USC 1692 - 1692. Congressional findings and declaration of purpose 1692a. Definitions 1692b. Acquisition of location information 1692c. Communication in connection with debt collection 1692d. Harassment or abuse 1692e. False or misleading representations 1692f. Unfair practices 1692g. Validation of debts 1692h. Multiple debts 1692i. Legal actions by debt collectors 1692j. Furnishing certain deceptive forms 1692k. Civil liability BY REPORTING ON MY CREDIT REPORT, CREDIT FILE AND COURT DOCUMENTS THAT THEY " OWN '' THE MORTGAGE ASSIGNMENT TO XXXX XXXX XXXX XXXX, XXXX AND BY MAKING THOSE FALSE STATMENTS TO XXXX, XXXX AND XXXX CREDIT BUREAUS. 

PER SPS THEY ARE " COLLECTING FOR '' XXXX XXXX  XXXX XXXX XXXX BUT THEY ARE REPORTING " XXXX XXXX XXXX OWNS THE DEBT TO THE CREDIT BUREAUS BY REPORTING THEIR BUSINESS NAME WITH NO MENTION OF XXXX XXXX XXXX XXXX XXXX. PER THE FCRA - CREDIT COLLECTOR MUST REPORT 100 % TRUE AND ACCURATE INFORMATION.
Product: Credit reporting 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. 

Account Name : XXXX  : Account XXXX Account Name : XXXX  : Account XXXX Account Name : XXXX  : Account XXXX Account Name : XXXX  : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 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

investigation i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, XXXX and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their.
Product: Credit card or prepaid card

Regarding two charges from XX/XX/2019 in the amount of {$1500.00} and {$250.00} The charges were made on XX/XX/2019 and disputed on XX/XX/2019. 
After not hearing back from TD Bank a request for fallow up was made on XX/XX/XXXX by XXXX, XXXX XXXX XXXX XXXX in the XXXX NJ office The response from TD on XX/XX/XXXX was that. TD claims that they requested more information from me. 
( Note that is the ONLY communication that I did not receive from TD throughout this entire ordeal ). 
The more information was then provided to XXXX, XXXX XXXX XXXX XXXX at the XXXX NJ branch on XX/XX/2019. 
XXXX, XXXX then faxed that information to the proper department in TD Bank but did not save the fax receipt hence TD is denying the claim because the branch did not save the fax receipt.
Product: Vehicle loan or lease

with a credit score of XXXX I have been denied a pre-qualifed offer from Capital One Auto Finance. Reason unable to verify sufficient income. What steps were taken to verify sufficient income?
Product: Credit reporting, credit repair services, or other personal consumer reports

This account still shows on transUnion, but has been removed from the other two reporting agencies. I have attempted to call and get it removed as well gone and paid a credit clean up company to have it removed as it was done by XXXX  and XXXX.
Product: Credit reporting or other personal consumer reports

I've tried fixing this several times. FCRA laws are being broken
Product: Credit card or prepaid card

I received a closure letter In the mail One year and two months after getting my Citi credit card. The letter stated that the card was not utilized enough so it was closed I was never told this from Citi as many times as Ive called them. When I touched base on Friday XX/XX/XXXX Citi stated they would open my card back up I would receive a letter in the mail verifying that and it would never report to the credit bureaus that my card was closed GREAT news except for the part where they lied about that and canceled the request when I got off the phone. I called back in to find out some more information and was notified that my card was closed and I had no regards to getting it back unless I just applied for another card. Ill I got was Ill make sure I inform her manager About what that she was misleading the services in which were stated that I was getting provided. I mean at the end of it all I was never notified my card was closed then I was lied to about the terms and conditions of my card being reopened.
Product: Credit reporting

I have asked Experian to remove hard inquiries on my credit report that I did not authorize or have business with. Experian replied that they were verified. The following requests for hard inquiries were not authorized by me and I would like them removed. XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX fund. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX.
Product: Credit reporting

i attempted to obtain a free annual credit report from the XXXX reporting services via the website : XXXX. No problem with XXXX. XXXX required a written application be mailed to them and Transunion steered me to a new page or website where I was not allowed to proceed without subscribing to a service which required me to pay an initial fee of {$1.00} for the report ( {$0.00} for my " score '' ) and further agreeing to and paying a recurring charge of approximately {$18.00}. It is my belief that I am entitled under the law to a FREE credit report. why is TransUnion being permitted to violate the law with this deceptive practice? Please remedy this violation and require them to send me a free credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple XXXX XXXX regarding the account that do not belong to me. 

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

I reached out to equifax by letter and informed them not only that this wasnt my account. I also addressed the fact that the account on my equifax report was showing two collections account with no original creditor. I never received a reponse and this account is still showing on my credit please help.
Product: Debt collection

I opened my credit card by XX/XX/year>, a month later in XX/XX/XXXX i opened a XXXX account to check my credit report. The credit report shows that i have a collection of {$20000.00} from I C SYSTEM INC. On the credit report it shows that it is under the name of someone named XXXX XXXX XXXX the address of XXXX XXXX XXXX XXXX XXXX CA, XXXX. When i see that, i file a dispute on XXXX  telling them the collection does not belong to me. About XXXX days later i received a call from I C SYSTEM INC she asked me is my name XXXX XXXX XXXX XXXX live or have i ever lived in XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX, i told her thats not my name or my address never been there ever and she hangs up. On XX/XX/year> XXXX  dispute result were ready it said the information i disputed were verified as accurate. Then i file a dispute in XXXX, it was also verified as accurate. 
I tried to contact I C SYSTEM INC, on phone it said call back during business hour ( It was, It was their business hour ). I tried to dispute on their website but i need a account number ( only exist on a letter that i have never received ) Or a Credit Bureau report number ( It doesnt even show the last XXXX number on XXXX or XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has false information due to a report that I later found that is from fraud. I want this issue promptly resolved. The reported information is from XXXX XXXX  resulting in {$2200.00} and I also had a fraudulent charge from Bank of America resulting {$2600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Still the same ongoing issue with Transunion since XX/XX/XXXX with respect to my XXXX XXXX XXXX account, not being reported at all and having an incorrect balance at the then time. 

This shall be my second dispute regarding the matter, hopefully is is resolved at this time. 

It has been confirmed by my loan holder for my XXXX XXXX XXXX this payment information was sent to Transunion on XX/XX/XXXX and it has now been beyond [ 30 ] days and this information has yet to be reflected in my credit score.

Transunion did provide them with an Audit Number which is [ XXXX ].