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

XX/XX/XXXX thru the XXXX, I've filed numerous complaints with cash app in regards to a transaction where goods was never received due to the merchant stating that his company don't take transactions from cash app. XX/XX/XXXX I sent XXXX dollars to a business called XXXX XXXX a service they provide as advertised. After making the transaction then reaching out to the founder he expressed that his company do not allow his invoices paid through cash app. I then reached out to Cash app to file a return of funds and cash app expressed that they found the transaction valid. One of cash app categories handle transactions where goods were not received. In order for cash app to verify if goods were received they would have to talk to a employee or founder of the XXXX XXXX who also goes by XXXX. I then filed another complaint with cash app to directly file complaint with merchant as they explained in a email. The complaint was filed XX/XX/XXXX and as of today no response.
Product: Credit reporting or other personal consumer reports

This is an account which Ive had for over 20 years Ive always had it on auto pay hence why there should be no late payments on this account however it shows 2 thirty days late. Even though the account has been closed now Ive contacted the company on numerous occasions to get this record corrected but they have refused. Ive also requested an accounting of my payments from the day my account was opened so I can verify that I have never been late.

Also under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit account as late.
Product: Debt collection

I am writing to formally dispute the collection account listed on my credit report. I notice discrepancies in the personal information section, which I believe is inaccurate. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to accurate and verifiable information on my credit report. I am requesting that this collection account be investigated and removed if it is found to be inaccurate or unverifiable. Disputed Account Details : Collection Agency Name : CAVALRY PORTFOLIO SERVICES Date of entry : XX/XX/year> Reason for Dispute : 1. I have not been afforded the opportunity to dispute the account in accordance with 12CFR 1006.34 ( c ) ( 4 ) ( ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debt. 2. CAVALRY PORTFOLIO SERVICES has resorted to false, misleading, and deceptive means in their collection efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. 3. Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfil their obligations under 12 CER 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). CAVALRY PORTFOLIO SERVICES is flagrantly disregarding consumer protection statutes. I demand that CFPB investigate these egregious Legal Basis for Dispute : 1. Fair Credit Reporting Act ( FCRA ) : Under Section 611 of the FCRA, I have the right to dispute inaccurate or incomplete information on my credit report. The credit bureau is required to investigate the disputed information and ensure that it is accurate and verifiable. If the information can not be verified, it must be removed from my credit report. 2. Fair Debt Collection Practices Act ( FDCPA ) : Under Section 809 of the FDCPA, I am entitled to verification of the debt from the collection agency. If the collection agency can not provide proper verification or validation of the debt, it must cease collection efforts and remove the account from my credit report. Request for Action : I request that you investigate this matter and provide me with the results of your investigation. If the collection account is found to be inaccurate or unverifiable, I ask that it be removed from my credit report. Please provide me with written confirmation once the correction has been made. Thank you for your prompt attention to this matter. I look forward to your response within the timeframe required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  investigation is wrong. XXXX  & XXXX  changed this information.I paid a loan off with Money Lion in XX/XX/XXXX. They reported me as 30 days late in XXXX. I had no more payments. They had an systems errror with there payment system. I should not be reported as late. I could have resubmitted. They never contacted me only falsely reported me as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a collection from ZIONS DEBT HOLDINGS LLC in my XXXX credit report because the delinquent XXXX  XXXX XXXX account does not belong to me. The account is opened by my tenant, and I don't how the account is a joint account with my name on it because I have not signed any contract. I have submitted an email to XXXX showing that my tenant has agreed to paid off the balance. I don't know if she will eventually pay it off, but this is evidence that I'm not responsible for this account. 

My credit score is lowered at no fault of my own. XXXX 's dispute results stated that the collection is " Verified and Updated '', and the collection is not removed. I don't understand how XXXX verified the collection because I have not signed any contract, and I should not be responsible for the actions of my tenant. XXXX is blindingly taking ZIONS word without requesting for hard evidence. XXXX is complicit in this fraud and harassment.
Product: Credit card or prepaid card

I am a victim of Identity theft. Criminals had all my personal info. through XXXX data breach and on XX/XX/XXXX Criminals swapped my cell phone number to their devices and start frauds under my name. Capital One credit card was opened XXXX XXXX, XXXX under my info. and I called Capital one on XXXX XXXX when I realized the situation after I had my police report on XX/XX/XXXX. The capital one agents told me nothing to worry since they already cancel the fraudulent card. And I confirmed with them repeatedly anyway, every time they assure me that the card has been cancelled and I have nothing to worry. 

After 1 month or so, I noticed there was a significant balance on my credit report with a capital one credit card. And I start disputing with capital one. I submitted documents and police reports to different supervisors since I have to call them over XXXX times about the issue, and every time the different supervisors gave me different requirements. I tried my best to follow and wish they will take care of this issue carefully since I am the victim and it is so obvious. All my other financial frauds with other banks/credit cards have been solved without any problem. But, capital one insist I should responsible for the fraud and won't tell me the reason. It has been a very unpleasant experience with capital one. It is the first credit card issuer I called to warn the identity stolen and I was assured by their agents, but it turned out capital one never take care of it and put all the responsibility on the victim without any reason. 

CFPB is the last step I can take to protect my rights, I am the victim and I believe there is justice, one should not responsible for something not done by him. And capital one credit report significantly hurt my XXXX XXXX and my financial life, I am looking for law help to protect my own right. And capital one need to correct their fault immediately.
Product: Debt collection

I got two letters stating that a debt collector was attempting to collect a debt. The letters were sent nearly 3-4 months after the supposed debt was bought by Midland Credit Management . I sent a debt validation for both letters requesting information to verify the debt and that it was owed to this company that has purchased the debt. I asked for information such as accounts, dates it was purchased and a bill of sale or receipt of the amount the debt collector paid for the original creditor of the debt. I asked that under the Fair Debt Collection Practices Act that nothing be reported to the three major Credit Bureaus that could affect my credit score until the information I asked for was received and that I have time to investigate the claims and verify the information. I only received copies of credit card statements, no receipts or bill of sale. I sent another two letters stating that the information that I was legally allowed to ask for was not sent and asked that they send the information I requested under the FDCPA, and if they could not send the information to send a description of why the information could not be provided and instead of sending me any further communication and without sending the information I requested, they reported the amount, which WAS NOT VERIFIED, to the XXXX Credit Bureau, completely violating my right to the correct information under the Fair Debt Collection Practices Act. Ive only received two letters from Midland Credit Management, disputed both, and did not receive any further response or verification. The amount reported for either account is not the correct amount reported to XXXX and it says the debt was disputed so its either one of the two accounts they sent debt collection letters for and provided the incorrect information to XXXX. So theyve provided false information on top of violating my rights under the FDCPA by not proving the information I requested before reporting it to a major credit bureau.
Product: Credit reporting or other personal consumer reports

I have a business credit card with XXXX XXXX. I learned that XXXX XXXX is reporting this business information to the XXXX credit bureaus, but this information should not show up on my personal credit report since I am not personally responsible for it. I filed a dispute with Experian. They closed the dispute, left the information and told me to contact XXXX XXXX to have it removed. I contacted XXXX XXXX and they told me that only the credit bureau can correct it.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I discovered that XXXX was reporting a negative credit card account on my consumer reports which is in violation of under the Privacy Act of 1974. They agreed per there contract with me that they would not report my non public personal information to a non third party affiliate. It is evidenced on all of my consumer reports that XXXX has breached there agreement with me and violated there terms and conditions by reporting my non public personal information to third parties, namely XXXX, TransUnion and XXXX pursuant to 16 cfr 313.3 and 313.7 ( 1 ). Pursuant to 15 USC 1681 ( b ) Creditors can not furnish consumers information without explicit consent. And XXXX is also still currently reporting transaction history which is illegal. I wish to Opt out pursuant to 15 USC 6802-6805. XXXX was obligated to send me a opt out request every 30 days and failed to do so.
Product: Checking or savings account

I have a high yield savings account with Marcus by Goldman Sachs. I have been trying to withdrawl my {$3200.00} from my Marcus account and they keep denying it. I have tried 3x a day for a week. Marcus state they arent allowed to give me a reason. I have been transferring my military paychecks into this high yield savings account. Marcus is fraud and isnt giving me my money back. 

XXXX XXXX XX/XX/XXXX i have been on the phone and in chats with proof with Marcus .

They still havent given me an answer on transferring and closing my account
Product: Debt collection

My name is XXXX XXXX, this complaint is not made in error nor is it being made bya third party. I declare under penalty of perjury I am alleging that a person or company-without my authorization- from unauthorized use of my social security number and cardused my personal identifying information to apply for goods, services, or money ; and, wassuccessful in creating some account. I have no knowledge of this and all is beinginvestigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumerreports I never gave any written consent to report anything on my consumer reports... noconsent is fraud. Please delete the account below from my report : XXXX XXXX XXXX Date Opened XX/XX/2022 Balance : {$69.00}
Product: Student loan

I applied for temporary expanded public service loan forgiveness as I am a XX/XX/XXXX in the VA XXXX XXXX XXXX government employee ). I uploaded my employment forms on the fedloan servicing site. I contacted fedloan and spoke to different customer service agents regarding my paid ahead status. All of the payments I have been making through covid and prior are not counting towards my loan forgiveness. My account has been in a paid ahead for quite sometime. As a consumer making additional payments and doing the correct thing by paying them although the balance has been {$0.00} for quite a while, this is not right. The agents told me there is nothing I can do as far as those extra payments. I was told to change my payment plan to an income driven and reapply after being in that particular plan for 10 years ... what! My loans will be paid in full before then so why would I change to a higher monthly payment with an income driven repayment and for a longer span of time and still not be able to apply for this? Something needs to be addressed with this issue. I have uploaded statements that show my paid ahead status as well as the documentation about changing my repayment plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, Ally Financial closed an account I had after a vehicle under my name was repossessed. On XX/XX/XXXX, I settled with a company called XXXX XXXX XXXX XXXX, and a payment was made. I got a letter from XXXX XXXX XXXX stating that my debt was satisfied and I took no further action. 

On XX/XX/XXXX, I checked my credit and found that Ally Financial had not reported or updated the satisfied debt. My FICO credit score has been negatively impacted due to Ally Financial 's failure to report to the credit bureaus of the settled account. 

On XX/XX/XXXX, I contacted Ally Financial credit department to attempt and resolve my issue of them not reporting to the credit bureaus. I was transferred several times and no one seem to have the answer or how to go about fixing the problem. The only solution Ally Financial offered was to submit a dispute that was estimated to take up to 45 days. Why should I have to wait longer to have Ally Financial report the update longer after they had approximately two billing cycles to report it. Ultimately, they kept transferring me to the debt collection agency about the situation. XXXX XXXX XXXX confirmed that I had a zero dollar ( {$0.00} ) balance owed and claimed that Ally was notified approximately in XXXX of XXXX. 

Ally has not taken responsibility or actions to report to the credit bureaus after the account with them has been settled. Ally Financial has had plenty of time to report that their account was settled and my FICO score is paying the price.
Product: Credit reporting or other personal consumer reports

Several requests over the past year have been sent to have these inaccurate items removed from my credit profile. 
I have not received any response to my requests nor has anyone tried to help me. 

I am being financially injured and I need this data removed from my file immediately. 
Thank you.
Product: Vehicle loan or lease

Wells Fargo is trying to consider my car for repossession just because I was unemployed and I'm XXXX  days past the point of making payments they want the entire balance or payments or XXXX a month which I can afford or they say sell the car or surrender the car. Even when the insurance company gives the check the insurance company gets the title and car and I'm out of everything including my job which I just started XX/XX/XXXX due to medical administration leave or a case I am in against a former employer in fact XXXX former employers. They are not willing to negotiate with me under any circumstances.
Product: Credit card or prepaid card

On XX/XX/2019, I made a purchase from one of XXXX XXXX locations in XXXX  XXXX. I was led to believe they lady is giving me a membership card but she ordered a credit card under my name without my permission. I immediately cancelled the account on the same day, but since then have been receiving monthly bills. Since then I had to call three times to cancel the account, and each time, was guaranteed the account is closed. 

Last week I received a letter asking me to pay XXXX  dollars for the credit card, due to fees and interest. The due date is tomorrow, and I just not got back from a vacation and witnessed it. 

I called again, and canceled the account, again, through a machine, due to customer service being closed. 

I'm not sure how to address this issue anymore and asking for assistance.
Product: Debt collection

Received a call from an Unknown number stating from " Department of Verification '' saying certified documents being dispatched to my location tomorrow XX/XX/XXXX and that I should contact them immediately XXXX ext XXXX to avoid adverse decision on my behalf. " You have been notified. '' I called them and spoke with XXXX of XXXX and asked for the documents to be mailed to my mailing address. He only offered to email it to me. The document references a " debt '' with an original date of delinquency of XX/XX/XXXX. The notice says : " Dear XXXX, Our office has been retained to proceed on the aforementioned matter listed above. This letter serves as your formal notice of our intention to resolve this matter with or without your cooperation. If you fail to heed this notice, you leave our firm no choice but to take further action to secure the balance and any additional fees applicable to the contract. 
If this is a matter you intended to resolve voluntarily due to not having opportunities to resolve via written correspondence or telephone contact, please contact our office to update us of your request. 
If you have any further questions or concerns, please feel free to contact our office. '' I did not receive any notice of this debt before today. I repeatedly asked for XXXX to mail the notice to my address, because I do not regard e-mail being official, but he refused. He told me they were willing to reduce the amount but because I kept asking for a hard copy to be sent in the mail, I will just have to deal with XXXX court and pay much more since I want it to be " official '' and to have fun in court. XXXX said that his firm is not a debt collector, yet are attempting to collect a debt and do not have to mail me anything. 
The e-mailed document came from : XXXX XXXX XXXX, California XXXX XXXX : XXXX Direct Line Toll Free Number : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I CONSTANTLY CHECK MY CREDIT FILE NOW AND I LOOKED AT MY REPORT AND NOTICES A LOT OF ACCOUNTS THAT JUST POP UP ON MY CREDIT FILE ( WOW ) THESE ACCOUNT TRULY DO NOT BELONG TO ME I HAVE CONTACTED EXPERIAN IN REGARD TO THIS MATTER VIA CERTIFIED MAIL AS WELL AS NOTARIZED AND THEY STILL HAVE NOT DONE ANYTHING WOULD THIS HAVE TO DO WITH THE EXPERIAN BREACH? IF SO WHY WANT THEY HAVE SYMPATHY FOR THE CONSUMERS WHEN WE TELL THEM THE TRUTH THE CREDIT BUREAUS SUPPOSE TO PROTECT THE CONSUMERS EXPERIAN DO NOT DO ANYTHING AT ALL TO HELP THE CONSUMERS ALL IT TO THEM IS A MONEY MARKET
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting XXXX of XXXX, I submitted a dispute concerning incorrect information reporting on my credit report ; XXXX said the account was verified, and it's correct. The same information was provided to me on the account that they deem validated ; I went through all the information and reached out to the collection company that the information is not correct and to remove it from my report per email on XX/XX/XXXX. I went ahead and disputed the incorrect information again, providing XXXX  with documents, and they stated again the information was verified. I have documents and statements from my bank showing that this information is incorrect. Also, the collection agency can't provide me with an itemized bill for each of the charges they are reporting. I have requested, and nothing has been given. 
This account was never delinquent reports says XX/XX/XXXX, XXXX XXXX XXXX is reporting getting collection account on XX/XX/XXXX. This information false as per the documents attached, my bank statements show that I was still active and payments were made to this account way past the report date also I have attached emails with the company that I was still using their company and I wasn't deliquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX Company Inquiries : 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

Original complaint ID XXXX Submitted on XX/XX/2022 Improper use of my report - Unauthorized inquiries reported. 
Requested items be deleted. 

On Saturday, XX/XX/2022, XXXX XXXX, Experian XXXX wrote : XXXX XXXX XXXX, We have added an Extended Fraud Victim Alert to your credit report as requested on your behalf by one or more of the nationwide consumer credit reporting companies. This message, which will remain on your credit file for seven years, alerts credit grantors that you are a victim of fraud and to verify your identity in case someone is using your information without your consent. As an additional precaution, we have removed your name and address from prescreened offer mailing lists for five years. You can request two free copies of your credit report within 12 months of your request for this alert by visiting our secure Web site, www.experian.com/extendedfraudreport or by calling XXXX XXXX XXXX XXXX. 

If you prefer to write to us, indicate that you are a victim of fraud requesting your free credit report and send us all of the following information : 1 ) Your full name including middle initial and generation ; 2 ) Social Security number ; 3 ) complete addresses for the past two years ; 4 ) date of birth ; 5 ) government issued ID card, such as a drivers license, state ID card, etc. ; 6 ) utility bill, bank or insurance statement, etc. Send copies of any documents you provide. Mail your request to Experian, XXXX XXXX XXXX XXXXXXXX, Texas XXXX. 

You may access a more detailed statement of your rights online at www.experian.com/fraudrights or by calling XXXX XXXX XXXX XXXX.