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

I began to receive random, unauthorized charges to my CashApp debit card, which depleted my money directly from my CashApp balance, on XX/XX/2022. 
I opened disputes for each and every one of these purchases immediately, and let them know that my CashApp card had been compromised. I began receiving money back for a FEW of the transactions that I disputed on XX/XX/XXXX. 
I alerted CashApp at the time of dispute that my card had been compromised, and needed to be locked down, and that any and all purchases starting on XX/XX/XXXX were no authorized, not mine, and were fraudulent. 
They clearly agreed that this was the case, because they began to refund me for SOME of those transactions, claiming that they were ruled in my favor - " Your Cash Card dispute claim was resolved in your favor and is now complete. A credit has been applied to your Cash App balance and is ready to use. '' However, they then declined to refund some of those disputed transactions - some of which were from the same merchants on the same exact day as purchases they chose to refund and rule in my favor. 
I contacted CashApp customer service 100 's of times and was blatantly ignored. I continued to reopen disputes, because I was not going to allow them to steal my money and ignore me. 
Instead of resolving the matter, or answering my constant attempts at contact, they closed down my CashApp account. 
They then sold off stocks I had purchased through CashApp, MONTHS later, without alerting me, emailing me, OR paying me for them. The stocks were sold on XX/XX/2022 for {$38.00}, but I never received a cent of that, and it is not in my CashApp balance, since my account is closed down and can not hold a balance. 
So not only did they sell off my stocks without my consent, never alert me of it, but they stole the profit as well. 

CashApp fraudulently stole hundreds of dollars from me during a dispute period, while refunding and ruling smaller purchases from the fraudulent chain of transactions in my favor, shut down my account, fraudulently sold off my stocks, and then stole that profit. They are a horrible company with no customer service, that don't follow any proper banking practices, and should be charged criminally.
Product: Debt collection

I have identified information on my consumer reports that are a result of identity theft, these items are not related to any transactions completed by me
Product: Bank account or service

I used to bank with navy federal and every time my loan became delinquent navy federal would freeze my bank account until I made a payment to them. I here that there is a law suite about these type of ordeals happening and am wondering how to attach myself to the law suite .
Product: Mortgage

PHH Mortgage, a subsidiary of XXXX, has discriminated against me as a XXXX person in the US since XX/XX/XXXX and denied on multiple occasions. I am in the process of initiating a HUD investigation. I was declared legally and permanently XXXX in XX/XX/XXXX yet I continued to work and pay my mortgage payments even while ill. Then, in XX/XX/XXXX I became unable to work and my identity was stolen by someone who threatened me and my family with bodily harm. They received an Identity Theft Affivadit. I initiated a XXXX investigation which they refused to respond to because they were under formal, written Cease and Desist yet violated that over 150 times with emails, statements, other communications via US Mail and Certified Mail. They attempted to serve me with foreclosure notices at my previous residence at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I abandoned the home in XX/XX/XXXX after learning it has XXXX XXXX XXXX that has made me terminally ill with less than 6 months to live unless I receive critical medical attention. I escalated the issues to the Office of the Ombudsman who denied they discriminated against me. I requested Demand Payoff Quotes with waiver of everything except the principle and interest on multiple ocassions. That home is my largest asset and my only daughter 's legacy and inheritance should I pass away. I am in the process of settling the homeowner 's insurance claims and retaining legal counsel for the issues with XXXX Mortgage and the secondary mortgage company, XXXX XXXX XXXX, who holds the HELOC. I will be on XXXX and XXXX later in the year. I currently have no personal assets, no bank accounts, and no credit cards because of the damage done to my credit from the person who stole my identity in XX/XX/XXXX. My XXXX XXXX XXXX father is currently supporting me, and I don't even have money for the bare essentials such as food and water much less XXXX XXXX. My father lives on a fixed income and also supports my older sister, who has learning XXXX, and my daughter, who was a student at XXXX XXXX XXXX and lost her best friend on XXXX 's Day. She is now a student at the University XXXX XXXX  studying to become XXXX  XXXX  and in the process of setting up a division of XXXX in memory of XXXX XXXX who our community lost to XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Everytime I apply for a credit card with my bank Truist bank they claim that they can not verify my identity. 

This is impossible because they have a tool that already puts my personal information into the application fields for me after I sign in. 

If they already have my personal information on file, then how can they not verify my identity? 

Also, when I apply for any business product, the application says that my business is too risky - meaning that Truist bank has the wrong NAICS code for what my business is, which is harmful to my ability to acquire credit.
Product: Credit reporting or other personal consumer reports

I filed a complaint with the XXXX  along with the CFPB against Lexis Nexis. I sent a method of verification letter on more than one occasion, in which they never responded. According to FRCA laws they are required to either respond to the letter or they are to delete the item, and they haven't done either. This is a DIRECT violation of FRCA laws. I've also requested my full credit report more than once and they are refusing to send that as well. 
Also, the supreme court states that a dismissed bankruptcy under code 349 of the bankruptcy code is to restore both parties to pre-petition financial status as if the bankruptcy NEVER happened. It also states that it is meant to UNDUE the bankruptcy. Lexix Nexis is going against the Supreme Court 's ruling, and impending on an individual 's rights to return to their pre-petition financial status as if the bankruptcy never happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

The consumer is writing this complaint and no third party is involed. I need the CFPB help in investigating this XXXX and XXXX action. I learned XXXX is depriving me of many rights. Any contract I have with XXXX XXXX XXXX and XXXX is null and void due to the nondisclure of my right to non disclosure. 15 USC 1681 Section 602 A states I have a right to privacy. XXXX nor XXXX never communicated this to me. They never communicated with me about any right available to me. 15 USC 1681 Section 604 A Section 2 states a CRA may not furnish any account on my consumer report without my written instructions. I do not recall giving my consent for this account to be reported. The account open dates last payments and late payments furnished are all inaccurate.
Product: Debt collection

My name is XXXX XXXX and I am writing regarding an invalid debt. I have asked for an itemize statement with what services and or items billed for this bill, when did these services began/end, I asked for copy of the original signed contract, a copy of the photo ID, a copy of the social security number required to open this account. I have asked for these items because, it is a requirement to provide these items in order to open an account. This is not my debt. If this debt was true and honest this information will be available. However, I have not ever applied, signed or agreed to any services or product. This company is reporting false information and can not produce the documents to ensure that this is a valid and true debt. 

XX/XX/2016 {$2700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all 3 Credit Bureau 's regarding the reporting of inaccurate and unverified information that they are continuing to report on my reports.

I have been disputing information on my credit reports regarding a public record " Bankruptcy '' and collection accounts that remain unverified through the main sources such as the original creditor and with the clerk of courts. I've contacted the 3 Credit Bureaus ( XXXX, EXPERIAN and XXXX ) about a  bankruptcy appearing on my credit report from XX/XX/XXXX. 

I also asked these agencies how they verified this account as accurate, and they stated that they verified this account as accurate through XXXX, which by way I have a " SECURITY FREEZE '' and is a affiliate credit reporting agency. Under the FCRA laws, all reporting agencies MUST receive their information directly from the creditor/court of the account if not then it should be removed from my credit report. 

As you can see in the attached documents provided from the United States Bankruptcy Court, the Clerk of Court states that " The Court does not send this information directly to these entities. 

With the collection accounts listed below : XXXX XXXXXXXX XXXX XXXX- I  NEVER OPENED AN ACCOUNT WITH EITHER THE ORIGINAL CREDITOR OR COLLECTION AGENCY WE ENERGIES- UNVERIFIED UTILITY ACCOUNT XXXX XXXX- I NEVER OPEN AN ACCOUNT WITH THIS COLLECTION AGENCY DURING any time of XX/XX/XXXX These accounts have been disputed since XX/XX/XXXX-XX/XX/XXXX & still no documents has been submitted to me verifying the information stored in my reports are indeed accurate. 

All of the accounts mentioned have not been properly verified with a contract bearing my signature, so I demand that they are deleted as per : FCRA LAW Section 623, FCRA Part ( A ) ( 5 ) ( B ) ( ii ) and FCRA Section 605 ( c ) ''If the credit reporting agencies are not verifying this account information with the original creditor, they are in violation of FCRA laws, and this bankruptcy should be removed from all 3 credit bureau agency records and off my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in XXXX and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. DEPT OF ED/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, gave me two letters of release stating the debt wasn't mine XXXX and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX My name is XXXX XXXX XXXX My phone number is XXXX
Product: Credit reporting or other personal consumer reports

I continuously request a copy of contract for services. I have yet to receive anything like my request from either XXXX or Transworld Systems Inc. They refuse to validate with contract for services as required by law to validate an agreement for services. I do not understand why case is not closed as they are required to report actual truthful debts that I've incurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 I contact XXXX XXXX XXXX XXXX, the lien holder on my automobile, notifying them I had been laid off. XXXX informed me that I had involuntary employment separation insurance and provided me with contact information to begin my claim. 

XX/XX/2018 I received notices from XXXX XXXX XXXX XXXX that my payment was late. I contacted XXXX reviewing the situation and was assured it was being handled. 

XX/XX/2018 I was notified by a credit bureau XXXX XXXX XXXX XXXX was reporting me 30 plus days late on my loan with an outstanding balance. 

XXXX XXXX XXXX XXXX is either incorrectly reporting information to credit Bureaus or is willfully selling a fraudulent product of credit protection insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I unlocked my credit to allow XXXX XXXX  access for a mortgage. With my credit open an unauthorized credit inquiry from Small Business Admin Oda was made on XXXX. I called the Small business division at the number listed on my credit and they advised me that it was an attempt by someone using my social security number and declined. I was given a case number # XXXX. I was told that this is an ongoing problem but in my case is definitely an attempt at identity theft.
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates the elimination of any erroneous entries from my credit report. Would you mind reviewing the documents? Some of the listed entries contain inaccuracies in reporting, including incorrect amounts and dates.
Product: Debt collection

I have ATTACHED : POLICE REPORT FTC REPORT ID/ BILL/ PERSONAL VERIFICATION DOCUMENTS TO THIS COMPLAINT I demand to have this removed within 14 days of receipt if not removed i will be seeking Litigation according to FCRA 605B ( 15 USC 1681c-2 and 15 USC 1681a-e ) I have disputed the validity of this account numerous times. Every time its come back as factual and valid. So I want proof within 15 days of the proof and validation '' accurate '' of these account. Pursuant to 15 U.S. Code 1681a ( e ) I want to know name, time stamp, dates, phone number and which the investigation consumer report was done. What family member, neighbor, friend did you talk to say my dispute is invalid and your investigation was factualaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Loan Amount {$27000.00} Account number XXXX Date opened XX/XX/XXXX This account is from identity theft. I never applied for this account XXXX XXXX  XXXX XXXX Loan Amount {$500.00} Account number XXXX Date opened XX/XX/XXXX This account is from identity theft. I never applied for this account Unknown Creditor Loan Amount {$250.00} Account number XXXX Date opened XX/XX/XXXX This account is from identity theft. I never applied for this account Unknown Creditor Loan Amount {$40.00} Account number XXXX Date opened XX/XX/XXXX This account is from identity theft. I never applied for this account XXXX XXXX Loan Amount {$15000.00} Account number XXXX Date opened XX/XX/XXXX This account is from identity theft. I never applied for this account XXXX  Loan Amount {$83.00} Account number XXXX Date opened XX/XX/XXXX This account is from identity theft. I never applied for this account
Product: Debt collection

Capital one Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/2017 Account type Open Account {$3500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in a car accident and the vehicle was totaled. There was a balance on the car loan, however Capital One agreed to a lesser amount. My credit report is stating that I have never made a payment when indeed I have NEVER missed a payment since the accident. I attempted to dispute this but was unsuccessful. Both Capital One and XXXX are saying otherwise. I will submits all bank statements dating back to the accident to prove that the money comes out of my account every month.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX
Product: Mortgage

In XXXX of XXXX, I qualified for a Modification of my loan. I accepted the offer and signed and had the agreement notarized. I returned the documents before the deadline to accept. A condition of my modification was that I pay {$XXXX} down payment by XX/XX/XXXX. I was required to pay by certified funds and mail the funds to the XXXX. I was told that I could not pay over the phone or through a wire transfer from my bank. I sent a {$XXXX} XXXX funds check to the XXXX using XXXX XXXX  day delivery. It was received on XX/XX/XXXX at XXXX. I have the confirmation from XXXX. I was told that the XXXX was behind in processing the check and to give them a few days to have it applied to my account. I continued to call every other day to make sure the funds were received. I was then told that they could not be found and my modification would be cancelled because I did not pay. I sent in proof of the check and the XXXX confirmation. I was then told that the check was received but because I did not put my loan number on it that it was sent back to my bank. I asked for the address where it was sent and I was just told back to Bank XXXX XXXX but no address. I have been calling the XXXX about the check every day and I am told the same thing. It was not sent back to my address which was on the envelope return address. The cashiers check did not have an address for Bank XXXX XXXX. All the XXXX 's cashiering department will tell me is that it was sent to Bank XXXX XXXX but they don't have an address to give me. I have gone back to my bank and they tell me that they can't cancel a cashier check for XXXX  days. I don't know what to do. I don't want to lose the modification or my {$XXXX} and I can't get any information from the XXXX. I am asking for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I enrolled in Santander Consumer 's autodraft for my auto loan. They advertise " sign up for auto draft and never worry about a missed payment '', so I did that. I paid 71 payments on time ( {$14000.00} ) using autodraft and was never told that the last payment ( {$240.00} ) had to be made manual. Santander refuses to listen to their recordings to see that they NEVER told me it had to be manual ; therefor it did not get paid until I was sent a notification that my credit score dropped. Why would I pay {$14000.00} ON TIME and not pay the last {$240.00}? I disputed it directly with Santander in XXXX and again XX/XX/XXXX with more information. I disputed it with the 3 credit bureaus in XXXX. They refuse to delete the late payment comments even though the account is paid in full. I am unable to get a home mortgage due to this recent late payment because it is so recent and this alone dropped my score 70 points. 

I was told many conflicting stories from Santander and I would appreciate if they would recognize their fault in this. Do not advertise never missing payments via autodraft, do not record conversations if it is not used for quality purposes, do not tell me it is resolvable when it you have yet to delete the late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I signed up with XXXX XXXX, a company that 's affiliated with Equifax to monitor your credit. I am a victim of Identity Theft and this monitoring product allows you to lock and unlock your credit file. On XX/XX/XXXX I tried to unlock my file to get my credit reports. There was an error message that read " Temporarily unavailable ''. Since it was XXXX I had to wait to speak with a Customer Representative. On the XX/XX/XXXX I tried to unlock my credit file again, but this time the error message was " Request failed ''. It has been reporting that error ever since the XX/XX/XXXX. I  contacted XXXX XXXX and informed them of the error message. They told me that I had a Security Freeze and I needed to speak with the Freeze department. I was connected and after speaking with them, I was informed that I do n't have a Freeze that it 's an issue with XXXX XXXX. I called back and spoke with another Rep who basically told me the exact same thing that I had a freeze and there was nothing that XXXX XXXX could do about it. They told me they would escalate it the IT department and I would receive a phone call in 24 to 48 hours. I never received a call. I called back on the XX/XX/XXXX and spoke with a supervisor that assured me that the problem would be fixed in 24 hours. It NEVER was or has been. I have been dealing with this since XX/XX/XXXX. I asked how long it would be to fix the problem and a supervisor told me that she did n't have time frame of when it would be fixed. This has caused major problems for me. I am trying to buy a house, but the Mortgage company is unable to pull my Equifax Credit Report. I think it is totally unacceptable for a company to be able to do this to consumers without any explanation and with no regard for how this would affect their lives. I went to Equifax because i thought it would hep me, instead it has only hurt me. Until this day, XX/XX/XXXX my Equifax Credit file remains Locked and no one seems to know what 's going on or how to fix it. This is unacceptable.
Product: Payday loan, title loan, personal loan, or advance loan

Loan was taken out on XX/XX/XXXX with a 60 month term. amount taken out is XXXX There have been 5 deferments, 3 loan modifications, and one permanent modification on XXXX original end date of loan is XX/XX/XXXX. I can agree that with 5 deferments the loan should be extended until XXXX of XXXX. My issue is that somewhere along the line my guess would be during the permanent loan modification the loan somehow got changed to add an additional 5 years onto the loan. A loan modification where the loan goes from 21.64 % down to 12 % should not result in an additional 5 years added onto the loan nor should 5 deferments. This loan needs investigated properly, was unable to resolve through the XXXX XXXX XXXX. Loan end date should be XXXX and ill accept XXXX takin into account the 3 loan modifications. I do however believe adding an additional 5 years onto the loan was not a modification in true nature that it needs to be resolved correctly and the end date needs to be XXXX.
Product: Credit reporting

Equifax refuses to remove student loan accounts that have been discharged by the XXXX on XXXX XXXX 2016. The accounts are with XXXX and with XXXX. Equifax is reporting incorrect account numbers on the XXXX accounts ; the XXXX account is properly reported as XXXX ... I have attached documents from XXXX, service for the XXXX, proving that these loans have been discharged and paid in full and at zero balance and should be removed immediately from my Equifax credit report.
Product: Credit reporting or other personal consumer reports

I was a victim of a data breach, which led to an unauthorized XXXX XXXX appearing on my XXXX credit report. Under 15 U.S.C. 1681c-2 ( a ), I requested its removal as identity theft, but XXXX has failed to comply despite providing proper documentation.