23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My cashapp account was hacked by someone. There were 2 transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have the screenshots but when I tried calling cashapp support for help they didn't help me at all. The only help they gave me was by telling me to create a new account. Even with all the security measures in place cashapp offers, this DID NOT!!!! stop someone from getting unauthorized access to my account to send themselves money. They closed my dispute saying I authorized the transactions even when I showed screenshots of an unknown device logged into my account..the representatives kept trying to discredit me saying no one else was logged into my account when I could clearly see a email and device that I never authorized to be there. I never give anyone access to ANY of my accounts which is impossible for cashapp representatives to believe.Another thing they told me todo was request the funds back, like a hacker gon na just send your money back like they're some upstanding citizen... they're criminals why would they give back what they stole.
Product: Credit reporting or other personal consumer reports

Disputed inaccurate bankruptcy of my credit report. Was told they verified with XXXX XXXX XXXX XXXX XXXX has now removed from report.
Product: Debt collection

Hunter Warfield did not send verification as requested through US mail to our home address. They then called us while debt was not verified. they reported us to the credit agencies without verifying debt. Once debt was verified account was paid in full immediately and we were still reported to the credit agencies.
Product: Vehicle loan or lease

At the end of my lease for my XXXX BMW XXXX ( XX/XX/XXXX ), I was told that I owe approximately {$3400.00} for wear and tear, tires and excess milage by BMW of XXXX. As I turned in my XXXX BMW XXXX, simultaneously ( same day ) I leased a new BMW XXXX. 

As part of the closing for my lease on the XXXX, I wrote a check in the amount of {$1000.00} t to offset against the {$3400.00} and gave to the dealership. 

Late XXXX of XXXX, I received a call from BMW Financial requesting that I pay the {$3400.00}. I explained to the agent that I had provided a check in the amount of {$1000.00}. He said that he would reach out to the dealership and get back to me. Fast forward to end of XXXX, I started receiving call from a collection agency. They told me that I owed BMW but they would settle with me for {$2000.00}. I again explained that, I have written a check to BMW for {$1000.00} and need to know what happened to that check. The agent said that she would need to check with BMW and get back to me. 

Fast forward to today, I received a credit monitoring alert from XXXX XXXX that I have a charge off from BMW in the amount of {$3400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name is XXXX XXXX and I have for the past 6 months reached out to XXXX, transunion, and XXXX in hopes of fixing my credit submitting all information required such as identification, dispute items, with account # s and still to this date I have had no traction in my disputes. XXXX for the past 3 months have been sending me my results for the disputed accounts pending, then saying its completed with an empty report # saying I have to pay {$20.00} for the results and then saying it can not be found. The debt I am disputing is still unverifiable nothing has been sent to me and I am just trying to get an apartment in which I can not have my credit fixed for the life of me. As these reporting agencies are just taking advantage and violating FCRA laws in which they just are not responding especially XXXX, Transunion and XXXX.
Product: Debt collection

This is a complaint against NATIONAL CREDIT SYSTEMS , INC . I am a victim of identity theft, and you are reporting a personal loan, opened without my permission and without my authorization, under fraud. In this way they hagp delivery of all the documentation of identity thef
Product: Prepaid card

Called American Express about this gift card I bought with {$50.00} on it because the card does not work, I can not purchase anything at any store in person or online, Im now out of {$50.00} I can not use because the company refuses to help me by telling me its your problem and telling me theres nothing they can do.
Product: Credit reporting or other personal consumer reports

TranUnion will not delete the incorrect personal information on my credit report. Per this establishment, their system will not allow them to update this information. 

I have attempted unsuccessfully online to file a dispute and update this information myself to no avail. 

I have also attempted to delete the incorrect telephone numbers, addresses and employers as well.
Product: Credit reporting or other personal consumer reports

NONE OF THESE INQUIRIES ARE MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NONE OF THESE ACCOUNTS ARE MINE XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX  Account Number XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX
Product: Credit card or prepaid card

AN UNAUTHORIZED CHARGE WAS MADE ONT O MY U.S.  BANK PREPAID  VISA ACC OUNT IN THE AMOUNT OF {$6000.00} ON   XXXX   XXXX    2017.  THE CHARGE WAS DISPUTED BY THE CARDHOLDER WITH  U.S.  BANK. THE CARD MEMBER  SERVICE  REPRESENTATIVE  XXXX , DID NOT PROVIDE ANY SUPPORTING DOCUMENTATION TO ME, THE CARDHOLDER NOR TO   VISA   AND O N XX/XX/XXXX    XXXX  BILLED MY ACCOUNT FOR THIS CHARGE. MANAGEMENT OF THE ISSUING BANK HAS BEEN CALLED TWICE A DAY SINCE RECEIVING NOTIFICATION AND LEFT MESSAGES WITHOUT ANY RESPONSE.       1. THE MERCHANT WHO CHARGED THE ACCOUNT HAS A DIFFERENT NAME ON THE DOCUMENTATION THEN THAT OF THE CARDHOLDER.
2. THE CARD WAS NOT SWIPED BUT MANUALLY ENTERED BY THE MERCHANT AND NOTHING HAS BEEN SIGNED BY THE CARDHOLDER.
3  . THE MERCHANT CLAIMS THAT A SERVICE HAD BEEN PERFORMED BUT FAILED TO PROVIDE ANY DOCUMENTATION OF PROOF. THE MERCHANT PROVIDED PHOTOGRAPHS OF WHICH HAD NOT RELEVANCE TO THE CHARGE.
Product: Credit card or prepaid card

I am a WF credit card customer and use my card solely for automatic utilities payments. I discovered several unauthorized charges at retail stores. WF originally reversed the transaction, but then ultimately reapplied those charges. They claimed that because I physically had my card they concluded that there was no fraud.
Product: Debt collection

XXXX XXXX XXXX agreed with me on XX/XX/XXXX, to settle a {$3500.00} credit card debt they purchased from Capital One Bank in XXXX. The agreed amount was {$2200.00}. I paid {$2200.00} on the date we agreed to, but XXXX XXXX XXXX left a balance of {$1300.00} on my credit report. It appears that XXXX XXXX XXXX is expecting me to pay {$1300.00} to clear my credit report despite our agreement, as stated above. Also, I paid the debt over the phone with a XXXX XXXX XXXX representative on the agreed date, XX/XX/XXXX. I gave her my checking account number and routing code, and I authorized the payment over the phone ; however, my account was not billed for the debt until XX/XX/XXXX. The XXXX XXXX XXXX representative sent me an email message which she said was a receipt for the transaction, but it was not a receipt. It appears that XXXX XXXX XXXX is taking the position that I did not pay the agreed settlement amount on the agreed date. I believe that XXXX XXXX XXXX is using deceptive practices and not dealing in good faith. We agreed to a settlement amount, a payment date, and that credit reporting bureaus would be notified that the debt was paid in full, but I believe that XXXX XXXX XXXX is attempting to collect the entire amount from me despite our agreement and on-time payment of the agreed amount.
Product: Student loan

I received a bill for XX/XX/2023 student loan payment for private student loans held by Aspire Servicing. I paid the amount due on XX/XX/XXXX and specified the amount to be applied to each loan. I looked at my account and the payment was not applied to specified loans so I made another payment on XX/XX/XXXX and again specified the specific loans for payment. Aspire applied my payments to loans they no longer owned. My co-signers received a letter on August 28th that I was in default on my loans. However, I had made the payment twice for XXXX. I called and they said they would get the amounts paid moved towards the specified loans but will not send a letter to my loan co-signers that the original letter was sent in error. If I had not called, I would have received late fees and a report to the credit bureau. This has damaged the trust between my co-signers and myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

called and sent letters to Equifax on numerous occasions to no avail they will not remove the fraudulent inquiries.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I am submitting this new case regarding incorrect information on my credit file. I had submitted a case regarding this issue almost 2 years ago ( XXXX/XXXX/XXXX ) under case XXXX. There were additional cases opened ( XXXX, XXXX, and XXXX ) all regarding this matter that transpired from XXXX/XXXX/XXXX through XXXX/XXXX/XXXX. This debt was never validated by the company. They also failed to send me proof that this was valid. I requested numerous times that this issue be resolved and the collection agency continued with harassing phone calls in an attempt to collect this {$140.00} debt. I was under the impression that this issue was resolved in XXXX, however it appears that in XXXX of XXXX, XXXX added this collection account back to my credit report. This needs to be removed and not allowed to be added back to my account. 
Please assist in resolving this issue. I am attaching the original letter sent to XXXX and a copy of the collection account on my credit report.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau ( CPFB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. This failure aligns with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I've provided, causing ongoing harm to my credit standing. I am requesting an immediate corrective action to remove or amend the dispute accounts, as Experian 's inactions violates federal law and my rights as a consumer
Product: Credit card

The US Bank XXXX XXXX XXXX is supposed to give XXXX points on all mobile wallet purchases. Mobile wallet is supposed to include XXXX XXXX, etc. I use the mobile wallet regularly. Since XX/XX/2024, the card has not been issuing the XXXX points on mobile wallet purchases, instead issuing XXXX points. I spoke with US Bank several times and this culminated in a previous CFPB complaint. I was told that this issue was being worked on via response to the CFPB. However, I received a subsequent letter stating that they still did not have any resolution. Further conversations with customer service failed to rectify the issue with them saying there is no timeline for resolution, admitting they could not deny that a resolution could be XXXX months off - or more. This is not acceptable. It does not seem that US Bank is prioritizing this issue, frankly I don't believe they are working to get it fixed at all. They have also failed to notify cardholders this is happening at all, we have not received an email or letter notifying of the issue, instead they are hiding the issue which is why I don't believe they are working to fix it because they are simply hoping people don't notice. We pay {$400.00} a year for this card, this is not acceptable.
Product: Mortgage

1. XX/XX/XXXX, I received a check in the mail from Wells Fargo for {$500.00} with a form letter stating that I had been charged " too early '' and they were now refunding me {$500.00}. 

2. I wrote and asked them for more information on the charge of {$500.00} - the date, what it was for, and whether or not they had applied interest in calculating the {$500.00}. 

3. I received an answer dated XX/XX/XXXX ( which I will try to attach ) stating that the charge dated from XX/XX/XXXX ( almost 5 years prior ), and was for a rate-lock fee on a mortgage ( which I was later denied -- I was trying to re-finance an existing mortgage at that time on a rental property I own ). The letter also states that Wells had not applied any interest, and was just returning me the original charge made of {$500.00}. 

4. Since wells incorrectly charged me {$500.00} five years ago, I believe I should be entitled to interest over those five years. Can CFPB help in this regard? I did call Wells to ask and they just responded that no interest had been applied.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly that I am XXXX XXXX XXXX days late on the XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an XXXX. These accounts should be coded as an XXXX. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Product: Credit reporting or other personal consumer reports

My account with 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.

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

One Main Financial of XXXX FL has not removed inquiry after I mailed a set verification on or around XX/XX/2020. This has deniede better financial & transportation resources for work. The injury is dated for XX/XX/2020.
Product: Credit reporting or other personal consumer reports

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Incorrect Name : - XXXX XXXXXXXX Employer - XXXX  Incorrect DOB : - XXXX  Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Listed below are the Accounts that are being challenged XXXX  - XXXX XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX  XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Debt collection

I contacted Credit Collections last year. Most recently they received a letter from me on XX/XX/XXXX and a follow up letter on XX/XX/XXXX. I have not received adequate documentation that I owe this debt and my rights have been violated based on my understanding of the laws.
Product: Credit reporting

XXXX billed my old card and I recently moved from XXXX to XXXX and they never got into with me to let me know that my final bill was in collections. Now I 'm recently in the middle of a mortgage loan and they advise me that XXXX was on my credit report so I called and paid the final bill, they will not remove it from my credit and I owe them nothing now. I also requested a XXXX balance letter and I have not received it yet. This is a big issue and they will not resolve it.
Product: Mortgage

My mortgage was originally through XXXX, but sold to Seterus. For the 11 years I have been paying I pay online. Recently I received an email and letter from XXXX offering a " discount '' of my late fees. First I wasn't aware of any late fees because NO WHERE on the online payment portal does it disclose there are any late fees on my account. It just shows the principal due. The letter from Seterus dated XX/XX/18 shows that I owe in excess of {$2000.00} in late fees that I was completely unaware of. My entire mortgage payment is only {$1400.00}. a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

About a month ago i reached out to transunion about 4 different times. I advised them of the Identity theft that has occurred and that there were transactions that i am requesting be blocked due to my FCRA Rights. I sent in my Law Enforcement Affidavit. They blocked one account, and then later re add the account. I am requesting the XXXX/XXXX  or XXXX/XXXX XXXX Account 's be blocked. These are fraudulent. I did not apply for any new cards with XXXX. I did not apply for this card, they never sent me any cards never sent me any statements and i do not believe i should be held liable for a Fraudulent account especially since i have already had this blocked and you re added it. PLEASE BLOCK THESE FROM MY CREDIT FILE. Delete them, and do not re add them. Additionally you have added an account that says XXXX this is also fraudulent. I did not open this account, and back when i previously reported this you stated you blocked all XXXX XXXX information from my credit report. These are bringing my Credit Score Down. These are negative accounts that i did not authorize nor did i ever receive any products from these. 

Additionally Transunion will not allow me to access my security freeze to temporarily lift it or anything. I have gone to the Freeze.Transunion.Com and Signed in. It does not allow me to do anything and says to either mail in my request or to call. Please fix my login so that i can access the freeze site.