23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have continually followed up with the companies as well as the credit bureaus of XXXX XXXX and equifax and they refuse to remove the information or provide any documentation to substantiate their position regarding credit XXXX and XXXX funding
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied withtheFairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXXXXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX
Product: Debt collection

I checked my credit report, there was an XXXX bill in collections. My credit is close to perfect I do not use XXXX nor did I open this account. I called XXXX to try and see where this originated and they need a cell # or account number to search me. The rep said she was unable to search by name.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation EXXXX These actions have caused significant XX/XX/XXXX and XX/XX/XXXX, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent request about my address being updated to the 3 credit bureaus. XXXX XXXX of 2021, and now atempts for XX/XX/2021. XXXX XXXX and Experian seem to be having a hard time adjusting to my concerns and request to update my Address as they keep attaching addresses that have never belong to me or previous addresses where I have no means to get. Mail or my personal information can be envisioned by residencies unknown to me or vital information about me at their disposal.
Product: Checking or savings account

I was trying to open an account with truist bank. And they denied my application, reson given was information given from consumer reporting agency. I don't know what could have happened. But I don't care I just want it fixed.
Product: Checking or savings account

While I was At a field trip with my child and at XXXX afterwards on XX/XX/XXXX, someone took {$1500.00} out of my account. There were XXXX transactions at a XXXXXXXX XXXX XXXX, XXXX XXXX charge and XXXX transaction at an ATM. I got A text message from my bank, USAA, saying a charge at frys was declined because of insufficient funds, I immediately Called my bank to let them know there was fraudulent activity. I had Just got paid the day before and I was not at XXXX, I had just left XXXX when I received the text message. Between receiving the text message alerting me of the declined charge and me calling the bank was XXXX minutes. They gave me back the money that was fraudulently taken out in less then an hour. ( Great service ) I was Told I did not need to file a police report and all was taken care of. On XX/XX/XXXX I received emails in my bank app telling me that they did find the ATM charge to be fraudulent ( {$500.00} ), but not all the XXXX  charges ( that equaled {$1000.00} ) so they took {$1000.00} out of my account. I immediately Called them to see why they found XXXX charge fraudulent and not the others, I was told it was because the person used a pin to get the money out. ( Which they also did at the ATM but that was found fraudulent ) They refused to look at it again or move forward with a fraudulent investigation. So I went To the Sheriffs department and have been waiting XXXX weeks to hear back from them. There was XXXX minutes between the charge at XXXX that was me, and the XXXX frys charge. I was told by a USAA rep that XXXX minutes was enough time for me to have made all the charges. 
I did Go to XXXX  attempting to get pictures or videos showing someone else making these charges, I was told only the Police/Sheriff can get that information. 
My spouse is currently XXXX, and we share a bank account. When my bank took out the {$1000.00} ( XXXX  charges ) it left my spouse in a very bad position. Ive been with USAA for XXXX XXXX  and never had a fraudulent charge
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I was making a purchase for a couch and I had to do it in bits on CashApp. XXXX XXXX $ XXXX got and received 5 transactions from me in the amounts of : {$110.00}, {$150.00}, {$150.00}, {$180.00} and {$380.00}. When we paid the last amount I was blocked on XXXX where I was buying the couch and I tried to get a refund but it was declined. I reported it through the CashApp support as a scam as they have that option and was told that because the payment was completed that they can't cancel it and get it back. My question to them is why do they have that it is a scam then? Clearly, I could have cancelled the payment myself if I knew it was a scam. I have gone through support several times. I also made the same mistake not knowing but on the XXXX and XXXX of XXXX I was working with a XXXX XXXX $ XXXX for a table set. Again it was on XXXX on the marketplace like the other. XXXX received 3 transactions in the amounts of : {$190.00}, {$330.00} and {$210.00}. Once again the refund was declined and I was blocked on XXXX. I was scammed and have learned a HUGE lesson. I will NOT be duped though, however, by a company who has a spot to complain that something is a scam and then not be worried about getting money back. This company is not any better than the scammers out there who take money from innocent people.
Product: Mortgage

My wife and I have been dealing with a dishonest loan officer at Chase Bank. WE were shopping for mortgage loans back in XXXX and we met with several lenders at that time. We knew from the beginning that we would want to close on the sale of our house and on the purchase of our new house on the same day. XXXX XXXX ( NMLS ID XXXX ) from Chase promised us that he would be able to deliver that, he even mentioned that he has done it a few times this year. With those reassurances, we lock our rate with him and started processing the loan. 

Now that the market rates for mortgages have gone up and since we are now very near the end, he is telling us that it 's not possible to close in less than 10 days after the sale of our current home. This additional 10 days will cause us to miss the lock date and we will either not be able to purchase that home or we will do so at a much higher cost. He has given us wrong information and it looks like this will end up costing us a lot. With the right advise, we would not have locked our rate through him, or perhaps we would have taken a longer lock.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

LVNV funding LLC {$890.00} My information was exposed in several data breaches, was victim of identity theft, and several accounts were opened with unauthorized, fraudulent use.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that TransUnion block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. 

XXXX XXXX - XXXX XX/XX/year> with a balance of {$1200.00} All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint XXXX XXXXXXXX, as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud
Product: Credit card or prepaid card

XX/XX/2019, I spoke with a representative who stated that he was filing my dispute with a merchant for the amount of {$230.00}. I received a notice on my account that the dispute was filed ; however, when I went into the PayPal Dispute there was no case filed for dispute. It appears that PayPal is not processing my dispute for this merchant as promised and is indicated on the menu of the merchant. PayPal is providing misleading information. Also the fax number given to file a dispute does not work. This is the second time this has happened with PayPal.
Product: Debt collection

In the year XXXX I learned of a collection being reported by Pinnacle Financial Services. Not having any business with them I call to learn what this was about. After multiple calls the only thing I learn is that this account was sold to XXXX. So i called them but was never given information about the matter. Then i file complaints with Credit Reporting Agencies and within minutes of doing so receive emails stating disputed information meets reporting requirements and days later receive letters indicating same. So no investigation was performed! I then hire the XXXX to investigate this matter which forced XXXX. to reveal supposed original debt was XXXX. In the year XXXX I did establish service and purchased multiple phones at retail since from day one I could not receive adequate service. Then being fed up i cancelled service some years later having paid all monthly fees. After that investigation information about the account is being manipulated such as open dates etc., to extend reporting to cause me damage. Also this closed account is now reported in a manner to reflect as new delinquency each month which further damages my credit.
Product: Mortgage

In XX/XX/XXXX, I received a mortgage loan for my house XXXX, XXXX. My payment was promised to be an affordable payment. I was paying my mortgage on time but my mortgage payment had a substantial increase where I was no longer able to make payments on the mortgage. In XX/XX/XXXX, GreenTree Servicing, LLC. sued me for a mortgage that I received from XXXX, XXXX. While being sued on the motgage, then another lender name, " Ditech, LLC '' starts collecting on the same mortgage. I feel like my house is going to be part of a fraudulent foreclosure procedure.
Product: Checking or savings account

I opened the XXXX XXXX With XXXX XXXX checking account on XX/XX/XXXX. There was a promotion for a {$300.00} sign up bonus if depositing a direct deposit totaling {$5000.00} in to the account within 60 days. I made a {$5000.00} direct deposit on XX/XX/XXXX. I am self-employed and initiated my paycheck payment through XXXX to PNC. My statement clearly shows this being Direct Deposit - XXXX Transfer. 90 days passed and no bonus was posted to the account. I initiated a case with PNC XXXX support who opened the case for me and a PNC Retail Support Case Manager reached out to me. We spoke and she said my deposit did not count as a direct deposit even though it specifically says that it is a direct deposit. 

Per PNC terms on the signup page : " A qualifying Direct Deposit is defined as a recurring Direct Deposit of a paycheck, pension, Social Security or other regular monthly income electronically deposited by an employer or an outside agency into the Spend account of a XXXX XXXX with XXXX XXXX, XXXX XXXX  with XXXX XXXX or XXXX XXXX. The total amount of all qualifying Direct Deposits credited to your checking account must be at least {$5000.00} for XXXX XXXX with XXXX XXXX. '' While this says " recurring '', there is a graphic on the sign up page that says " Establish total qualifying direct deposit ( s ) of {$5000.00} or more to the new account. '' Note the ( s ) meaning one direct deposit should suffice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX XXXXEquifax was XX/XX/2022 but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i , which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to correct immediately : XXXX XXXX XXXX Owed : {$0.00} ; CXXXX  XXXX XXXX Balance Owed : {$1700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX  and Transunion are reporting incorrectly ( 120 ) days late on the XXXX  account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments, however this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this, however I have been unsuccessful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am becoming more and more frustrated. I understand that mistakes happen. Nevertheless after repeatedly communicating with you company that the information that your company has been reporting is inaccurate I would like to think that you all would act fast to resolve the issue. Especially since this is a violation of ( 15 USC 1692e ), which states that ( 2 ) the false representation of ( A ) the character, is illegal! This is also a violation of ( 15 USC 1692d ) 1. ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, REPUTATION, or property of any person. By reporting inaccurate items on my credit report you are tarnishing my reputation which I will not allow even if I have to seek litigation. Also this is clearly defamation of character!

Which I remind is you will not be difficult to prove in a court of law.

1. I can prove the information being reported is invalid 2. I can identify your company as being the one who made the false statement ( copy of your report is easy evidence ) 3. I also can prove that this was reckless and was a knowingly made action ( I have evidence that I have contacted you guys about the error and know actions have been taken ) 4.The statement was published ( once again my copy of your reports can be used as evidence for this ) 5. The false statement harmed me ( I have proof of the denial letters that have occurred because of your misleading information being provided on my credit report ).

Also let me remind you that the banking system relies on the accuracy and fairness of credit reporting! According to FAIR CREDIT REPORTING ACT 15 USC 1681!

In case you did not know Civil Liability ( REMEDY ) ( 15 USC 1692k ) states that I can receive compensation for each violation!

So please resolve this ASAP or I will seek litigation!
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason for this complain is that my credit report was used without consent by XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

On that day, My Girlfriend and I visited the XXXX  california car dealership to test drive a used XXXX XXXX and to inquire about my chances of purchasing said car, since my credit score was very low. 

After test driving the car, I began to explain my poor credit history to the salesman. Knowing that I had bad credit and that my approval chances were slim, I started inquiring to the salesman if the dealership had any way to guess, through a soft check or any possible means, if I could be approved for the Vehicle and to estimate the kind of loan I would be looking at, if approved. I emphasized that I could not afford another hard Inquiry on my account and offered to give the salesman a copy of my XXXX credit report to review my history. Instead he declined and stated that his manager had the ability to make an estimate without running a hard credit inquiry. I believed him and gave him my social security number when asked while emphasizing that I am not authorizing a hard inquiry. The salesman comes back from his managers office several minutes later with a print out of the negative items on my credit report. He started reverberating everything I already told him earlier that was wrong with my credit score. I agreed with him of course that I had a large amount of negative items on my report and I left telling him that I would fix the items and come back another day to purchase the vehicle or better. I later find out that I received Inquiries from over 5 different loan companies, all deriving from that same dealership. 

Since then I have contacted the dealership and their manager XXXX has stated he will collaborate and back up my claim if ever contacted. Together we were able to remove my disputes from XXXX, now I need to remove them from XXXX  and XXXX. Below  are the companies that accessed my credit report that need to be removed. 

XXXX  : XXXX- XXXX : Capital One XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Ive contacted this company as well as XXXX in my recent attempts on XX/XX/2016 NUMEROUS times over the past several months almost a year now to dispute this account. Ive requested for them to send me SIGNATURE verification that I signed for this proclaimed debt on NUMEROUS times only to receive a bill which does NOT prove this to be MY DEBT. This has went WAY past the XXXX days limit to prove or delete and this company has done NEITHER even upon MANY MANY request from me for them to do so.
Product: Checking or savings account

My phone pickpocketed at a bar/disco on XXXX. They were able to unlock my phone & send money via texts, totaling {$5400.00}! I didn't realize anything until my XXXX  Watch notified me that I had left my phone behind. I asked my friends for help & began searching. It was eventually found on the bar with my wallet ( attached to the case ) so I assumed all was ok. The next morning, I notice on my laptop texts to numbers I don't recognize. I look & see that they are payments and get concerned. I look at my phone but all these questionable texts are deleted. Then I notice my NFCU & other banking apps are also deleted. I immediately call my bank, start changing my passwords, cancel my debit card ( was in my wallet ), etc. I had just gotten paid & my auto drafts ( mortgage/bills ) hadn't completed yet. Because of that they were able to take a large sum from my checking account and once that was drained, the {$1500.00} overdraft protection I have in place was maxed. Then my savings kicked in to cover the funds being sent out. My bank makes it sound like everything would be ok & place a provisional credit to my accounts for the total amount taken. A month goes by & my bank immediately pulled out the {$5400.00} ( again ). I call to ask what happened & they say the incident occurred on a 'recognized devise ' so they are not covering the fraud. I appeal explaining the situation again, providing screenshots of the texts, watch notification, police report, ect. Then yesterday I call for an update ( because they've NEVER provided any ) & was told that they again will not cover it because the transactions were approved. They clarified that by saying that the system had send texts confirming Yes/No and " I '' replied yes. BUT since my phone was not in my possession then, that wasn't me. Why would I make multiple, rapid, large late night ( XXXX ) purchases? To numbers not saved in my phone? Totaling {$5400.00}? That totally drained my Checking/Savings accounts & maxed my overdraft? Clearly that wasn't me.
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 Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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.