23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Noticed an account on my report I dont recognize
Product: Credit reporting or other personal consumer reports

I have addresses listed on my reports that should not be there. 

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

On XX/XX/2022 I received a response from the creditor ( XXXX XXXX XXXX ) that the balance was adjusted to the correct amount from previous dispute, and was being reported to the Credit Reporting Agencies. On that day I saw the changes on my credit reports just as the creditor had explained. Four days later, on XX/XX/2022 all 3 Credit Reporting Agencies begin reporting 3 new different balance amounts on my credit reports, which is totally different from what the creditor had explained and reported four days earlier.
Product: Credit reporting, credit repair services, or other personal consumer reports

I BEEN A VICTIM OF IDENTITY THEFT PROBABLY FOR OVER SEVERAL YEARS ACCOUNTS COLLECTIONS AND INQUIRIES I HAVE SENT MULTIPLE TIMES THRU THE FTC REPORTS AND OTHER THINGS TO BLOCK AND REMOVE THE FRAUDULENT ITEMS ACCOUNT ETC AND INSTEAD OF BLOCKING IN THE 4 DAYS I ASK THEM IF FOR ANY REASON THAT THEY FEEL THAT I AM LYING OR ANY OTHER REASON TO PLEASE SEND ME DOCUMENTS OF PROOF THEY SAYING THAT THEY CALL ME MULTIPLE TIMES WHICH IS A LIE UNDER THE FCRA THEY WOULD NOT PROVIDE ANY PROOF OF WHAT INFORMATION THEY HAVE IT WAS LIKE A GAME TO THEM BUT ITS DESTROYING MY CREDIT
Product: Money transfer, virtual currency, or money service

I was scammed on Wednesday, XXXX XXXX 2024 at XXXX central time through cash app and have been fallen a victim to cashapp scam and lost {$1100.00} USD. I reached out to Cashapp Support and they were useless and couldn't help me recover my lost funds. 

I even explained that I wouldn't just send {$1100.00} USD to a stranger, however, I am a victim of a cashapp scam and told my funds can not be refunded and that my dispute through cashapp has been denied when I filed an unauthorized charge. 

CashApp support is completely useless and all I get are scripted text messages over and over again.
Product: Checking or savings account

My debit card was hacked and used on XXXX. {$240.00} worth of merchandise was charged and shipped to an individual in XXXX XXXXXXXX AZ. Her name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( that is showing on my XXXX receipt ) I immediately contacted XXXX and they cancelled part of the order but were unable to cancel it all as the items were shipped individually. They told me to call my Bank. I called Chase Bank who is saying because the Transaction is pending ( XXXX has noted this is Fraud ) they can not do anything. So as of this morning I have {$7.00} in my account. I am frustrated given XXXX is 2 days away and Chase is supposed to protect my account. Help please. Both entities are pointing their fingers at the other and NO ONE IS DOING ANYTHING!!!!! I have receipt copies of the Fraud charges. Please help me. 
XXXX XXXX
Product: Payday loan, title loan, or personal loan

2016 year I do not want to be called nor harassed by any payday loan debt collect.
Product: Credit reporting or other personal consumer reports

I am very upset. My credit report contains inaccuracies and incomplete information. My request to correct this information keeps getting disregarded and my credit score is unfairly affected.
Product: Debt collection

I am trying to make arrangements to get a affordable payment plan with Select Portfolio Services. But refuse to do so. The debt was discharged XX/XX/XXXX. 
Select Portfolio have it and XXXX XXXX XXXX. Select is refusing to work with me. Yes, I had a hardship plan with them around XXXX. And I was still in harder hardship, couldn't pay my payments. I want to make some kind of arrangement instead of filing bankruptcy. 
My account number on the select Portfolio is XXXX
Product: Credit card

I've notified this company on XX/XX/2023 requesting information about the account in question.
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 E. These actions have caused significant inconvenience and L financial loss, and I seek appropriate redress
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX XXXX # XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX  # XXXXXXXXXXXXXXXXXXXX XXXX XXXX  # XXXX XXXX XXXX  XXXX XXXX # XXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/2023 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX XXXX XXXX  XXXX
Product: Checking or savings account

On XX/XX/XXXX, I received notification from US Bank that my business account was in the process of closing for suspected irregular activity, in accordance with the terms and conditions of the Deposit Account Agreement. In the letter it stated if i had questions to contact to a number that is no longer working. ( XXXX ). Therefore, I contacted the customer service number on the back of the debit card and for 3 hours I was transferred to about 15 people that still could not provide answers. I asked if I could at least pay my account to a XXXX balance and was told since there was no local branch in my area I could : 1. ) XXXX from another account- which did not work 2. ) Wire transfer- which was not true 3. ) Recovery department could not take a payment because my account was not officially closed Then after calling back from all the failed attempts the next day ( Friday ), I was setup with a virtual call with a branch manager at XXXX XXXX XXXX XX/XX/XXXX XXXX to only be called by a banker at XXXX XXXX and was told they was not sure why this meeting was setup. When I explained to the banker that the meeting was scheduled with a branch manager, I was told no one could help me and she hung up. I called back several times with no answer. I also let a very polite email and no response. 

I called one of the 15 numbers I had been giving previously to file a complaint and of course was told someone would contact me. As of today XX/XX/XXXX, I have not heard from one manager.

On XXXXXXXX, I wrote an email to the chairman, president and CEO of US Bank to only receive an acknowledgment from the Executive communication department. As of XX/XX/XXXX, I have not received a phone call from anyone to assist me with my concerns. But only acknowledgement that they received my complaint. 

As of today, the account is at a XXXX balance but I had to pay more ( {$440.00} ), versus if I was given the opportunity to pay during the 3 weeks of denial ( {$390.00} ), run around and transferred to several different departments that had no clue of how to handle my situation. I honestly feel I was treated with disrespect which makes me feel this was done based on me being a female. No one asked me what the issue was as to why i had the return check.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please note, this is not a duplicate complaint, this complaint is due to the new fraud item on my report. I'm not using any third party for this matter. I'm victim of identity theft, someone has applied on my behalf for credits, this inquiry I have never authorized : XXXXXXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX. It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that this inquiry is being disputed is because it waw not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that this inquiry waw made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. Please remove this fraud item from my report as soon as possible.
Product: Credit reporting or other personal consumer reports

My consumer report contains accounts linked to identity theft that I never authorized in writing or with a wet signature. I've recently contacted your organization about this and am now formally demanding these accounts be blocked and removed from my report immediately. These inaccurate entries have caused me significant distress and misrepresent my credit history and obligations. If not addressed properly, I'll pursue legal action to protect my rights and seek resolution. These fraudulent items have prevented me from achieving key financial goals like buying a home and supporting my family.
Product: Credit reporting or other personal consumer reports

Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, XXXX, & Equifax didn't make sure it was reporting 100 % correct. 

In accordance with the FCRA and XXXX XXXX compliance reporting standards. 
Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that XXXX, XXXX, & Equifax have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Product: Money transfer, virtual currency, or money service

PNC account was connected to XXXX  in the past and I planned to continue this process as it is an easy way for myself to save money but now PNC is no longer able to connect to XXXX  so I can no longer add money to this program.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect, and unverifiable collection account that is keeping to be established as correct. Im again attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing this letter to dispute an inquiry on my XXXX Credit Report made by Capital One. On reviewing my credit report, I noticed that there was a hard inquiry made by Capital One on XX/XX/year>. I am not in possession of any new Capital One cards and I have not applied for one, nor have I authorized anyone on my behalf to do so.

The presence of this inquiry negatively impacts my credit score and it is crucial to ascertain how it occurred without my knowledge or consent. I am deeply concerned about my identity security and the possibility of unauthorized activity on my credit report. 
In accordance with the Fair Credit Reporting Act, I am reaching out to request an expedient removal of this erroneous inquiry from my report. Additionally, I request a complete investigation into this matter, and kindly ask that you provide me with any documents associated with this inquiry. 
I have attached copies of my credit report indicating the hard inquiry, and other pertinent documents to support my claim. I am hopeful that this matter will be rectified as soon as possible so as to maintain the integrity of my credit information and score. 
Upon completion of the dispute investigation, kindly send me an updated copy of my XXXX Credit Report so that I may verify the removal of the inquiry, along with written confirmation that the inaccurate information has been corrected.

Thank you for your prompt attention to this matter. Should you require any further information, please feel free to contact me at via email at XXXX XXXX faithfully, XXXX XXXX XXXX
Product: Mortgage

I purchased a home through Cardinal Financial XXXX of this year. While shopping for a mortgage, I was very clear on my requirements. I was purchasing a " fixer upper '' and wanted to avoid long term PMI. I asked the XXXX Representative when I would be able to drop the PMI and he stated that could drop the PMI off the loan after the XXXX were finished and the house appraised for 20 % above the loan value which would be {$350000.00}. My wife and I put thousands of dollars in XXXX to our home and called XXXX to schedule an appraisal. I spoke to an account representative at XXXX and they told me they have to put in a " request '' and I 'd be notified by mail. XXXX weeks later I received a letter stating that the PMI can not be dropped off until : XXXX ) The unpaid balance was XXXX % or less of the original value of the loan my XXXX XXXX The unpaid balance is 75 % or less of the current value of my loan and at least XXXX years have lapsed XXXX XXXX My unpaid balance is XXXX % or less of the current value of my loan and at least 5 years have passed. In order to qualify from PMI cancellation, I have to pay {$31000.00} to bring my original value down to XXXX %. I 'm appalled that they are able to tell me what I want to hear in order to get me to use them for my mortgage, but when it comes time to drop the PMI they 're able to XXXX XXXX me.
Product: Credit reporting or other personal consumer reports

I am disputing information on my credit report that I believe is inaccurate. According to the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that my credit report is accurate. I have attached a letter detailing the inaccuracies I have identified. I request a thorough investigation into these discrepancies and for the appropriate corrections to be made. Thank you for your attention to this matter.
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 Cashapp 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 E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Money transfer, virtual currency, or money service

I was trying to find my elderly brother a place to stay in Hawaii after his second XXXX vaccination shot. I found a listing on XXXX XXXX XXXX XXXX XXXXXXXX ) and contacted the agent ( or so I thought ) for the apartment. His email is " XXXX ''. I was told to make payment through XXXX. I have never used XXXX before, but was it was through my bank, KeyBank, so I assumed there were protections in place. To be cautious, I first sent {$200.00}. as a deposit, and it went fine. Then, a few days later, I sent the rent payment of {$450.00}. After that, I was supposed to get pin code for the apartment. But, of course, I did not. I immediately called my bank, KeyBank. But, I was told that they could do nothing ... that XXXX was supposed to be used as payments between friends and relatives. Why, then, is this an advertised banking app ... not a " friends and family '' app. I feel the bank and XXXX are COMPLETELY aware that they are the app of scammers, but are looking the other way to make a profit. I feel they should be able to AT THE VERY LEAST, shut down the scammer 's XXXX account. But, I was told no ... nothing could be done. Perhaps you will have better luck. 

The {$450.00} XXXX payment was made today through KeyBank to the following XXXX account. 

PAYMENT VIA XXXX XXXX : XXXX Name : XXXX XXXX I am ashamed that I fell for this scam, but angry that my bank and XXXX helped perpetrate it. Please help.
Product: Credit reporting or other personal consumer reports

XXXX Installments Account # XXXX Installment Account : Reported inaccurately of missed payments has been reported invalid on my consumer report numerous times and multiple times inaccurate. My account has been paid up to date. 

XXXX XXXX XXXX Account : XXXX for amount {$3100.00} have been paid in full this account has been sold to various collectors after collectors this is illegal to harass and sabotaged my consumer report for inaccurate invalid account that has been cleared. XXXX has refused to clear this account off of my consumer report. 

XXXX account # XXXX I don't own this account and have notified the debtor as well XXXX I don't own this account has been an violation of inaccurate data on my report. 
XXXX XXXX is an violation invalid and inaccurate account placed as charge off is violation of invalid. 
XXXX personal Loan charge off # XXXX has been a violation of invalid inaccurate report on my consumer report. 

This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. This is a violation of the Fair Credit Reporting Act ( FCRA ) and I OPT-OUT of E-OSCAR validation of accuracy. This inaccurate charge off violates Section 605 ( a ) ( 4 ), Section 605 ( c ), and 15 U.S. Code 1681s2. I will pursue legal action for each violation of inaccuracy. 
The consumer reporting bureau has repeat violated my rights without accurate data and must be corrected which will place a law suit per violation XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019, my statement balance of {$32.00} was paid in full ( via autopay, as usual ) and statement was closed with {$0.00}. A month later, the payment was returned and appeared as a XXXX balance on the next statement, along with late fees. I had no idea this was happening until I found out a few months later as I noticed the effects on my credit score. I was not using the credit card ( Macy 's store card ) so did not expect a charge after closing the said statement. This was exacerbated by the loss ( potentially theft ) of my mail including letters from Macy 's, recovered months later by the USPIS. I was not notified by e-mail, text, or phone. 

The reason why the payment was returned was a mystery for a while, until after repeated calls to Macy 's customer support and escalating the issue a few levels up the management chain, they identified that it was because the autopay attempted to draw money from a closed account. Importantly, I had updated it to another active account more than a year before this happened, and the autopay had been consistently successful in previous statements. The issue was probably due to a technical error on the creditor 's end. They accepted it over the phone and returned the late fees, but never corrected the credit reporting. 

A more detailed account of the events is attached, along with documented evidence to substantiate the stated facts. 

This has since damaged my credit score and will cost me tens of thousands of dollars in mortgage interests on my recent home purchase. I would like this to be fixed as soon as possible so I can refinance my mortgage with a better credit score. 

I have already contacted the creditor ( Macys ) directly and the three credit bureaus ( XXXX, XXXX, and XXXX ) multiple times to fix this issue, but they have not been helpful.
Product: Credit card or prepaid card

capital one does not allow you to pay off cash advance balances. on their back end, they treat it as two accounts and allocate payments to the lowest APR account first, then remaining balance to cash advances. interest on these are billed separately. the consumer has to treat the card as one single account, and do not have the same ability they have to allocate payments. the consumer can only submit money and let their system allocate it in the most profitable way possible. they effectively create an account that has no way to be paid off until the entire balance is paid in full. i have called them and was told by two seperate supervisors that i need to pay the full balance on purchases in for my payments to start effecting the cash advance balance. this creates an interest charge that can not be paid off until the whole card is paid off. this is a predatory practice to shuffle funds around and allow fees and interest to continue to accrue with zero options other than to pay the interest i cant touch for the life of the account.