23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2023, I reached out to Cash App to dispute a charge that I made on my card. 
( I reached out the XXXX several times via phone and email to no avail ) On XX/XX/2023, I received a notification from Cash App that the dispute was denied due to the merchant rendering the services provided. 
On XX/XX/2023, I requested the documentation that was used in the decision. When I received the documentation, the transaction stated that this was a rent payment, which is incorrect. 

The transaction was an administrative fee to hold the apartment for a complex that I was applying for. My application was denied so I contacted the apartment complex to refund the administrative fee that was paid to hold the apartment. After reaching out to the apartment complex and management company of the complex both via email and phone and not receiving any answer, I contacted Cash App since the transaction was made on the Cash card that I hold with the company. Cash App has denied my dispute and the reason they have given for the denial does not match the circumstance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never apply for any auto loans
Product: Debt collection

Carter young Inc has put a debt that I do not owe them on my credit reports. I have never had any type of contract with this company. I asked them to send me info with my signature showing I signed something with their company and they never provided anything because I do not owe them anything.
Product: Checking or savings account

On XX/XX/2018 I opened a Bank of America checking account and received an account approval letter. Please see the attached for the approval letter. After I changed my direct deposit information with the new account, Bank of America involuntarily closed my account without warning or notice. Since this is in direct opposition to account approval letter I did receive, this is fraud and outside of the terms.
Product: Credit reporting or other personal consumer reports

I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. 

As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding this fraudulent accounts, and following this submission, XXXX and XXXX have removed these accounts from their records. 

I have also directly contacted the company associated with these accounts, and they have confirmed the removal of the accounts. Therefore, I am puzzled as to why these accounts are still being reported by your bureau. 

It is imperative to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only violates this obligation but also exposes me to further harm. 

I request that you promptly eliminate these accounts from my credit report, aligning with the actions taken by other credit bureaus. Failure to do so will leave me with no choice but to pursue legal action. XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My home refinance with Citibank is stressful and frustrating because they refuse to accept my letter that certifies I am receiving service-connected XXXX compensation from the Department of Veterans Affairs .

Regardless of what I told them ; and even after a 3-way call with me, my loan processor and a VA benefit Rep that said the official letter is the only letter the VA issues, the Citibank Underwriter still said the same thing : We will need some type of communication that you have received or can request from VA that shows the terms or when it will need to be re-evaluated for the benefit continuance. Do you have something to verify it is a lifetime benefit or something to show you must go every so many years to be re-evaluated so the benefit will continue? Do you have any type of communication with the stipulations listed on how the benefit continues and for how long?

I had 4 different loan processors that I had to deal with, ( and someone that asked me for some kind of title authorization ) that is not counting my loan officer and someone who was just referred to as the " Underwriter ''.

Only the Personal Processor and my Loan officer seemed interested in moving my application forward. Regardless of what my Personal Processor said to the Underwriter it was always kicked back to my Personal Processor as unsatisfactory.
Product: Credit reporting, credit repair services, or other personal consumer reports

The item, a credit card open under XXXX XXXX on XX/XX/XXXX and closed on XXXX, XXXX, was an act of fraudulent activity. 
Someone has stolen and used my personal information to commit theft, and charges have been placed under my name. Since I have never had any open account with XXXX, I have never received any bank statement from their branch. However, I received the information from my XXXX XXXX   account stating that I have unpaid fees under the account. Therefore, my credit score has decreased dramatically from excellent to fair status. 
Thus is the only information I have access to. 

Account Details Last Reported XX/XX/XXXX Creditor Name XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$200.00} Term -- Monthly Payment {$47.00} Responsibility Individual Balance {$290.00} Highest Balance {$290.00} Payment Status 120-149 Days Late Worst Payment Status 120-149 Days Late Date of Last Payment -- Amount Past Due  {$230.00} Times 30/60/90 Days Late XXXX Remarks Canceled by credit grantor
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 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 ( Finance ) Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX XXXX XXXX  ( Finance ) for review or collection. 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 


By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My personal information and identity is being used to fraudently obtain accounts. My information was exposed over 3 times in the last 4 months and my personal information was used 6 months ago. The fair credit reporting act section 605-B states i have the right to have this information removed due to the fact that i am a victim of identity theft.
Product: Credit card or prepaid card

I received a call from Chase Bank fraud prevention department on XX/XX/XXXX, that they see some transactions done in XXXX on XX/XX/XXXX and XX/XX/XXXX at below stores using XXXX XXXX . As per Chase bank they declined few transactions as it was suspicious but posted below transactions to my account. 

{$1100.00} ( XXXX XXXX XXXX ) {$810.00} ( XXXX ) {$800.00} ( XXXX XXXX ) I immediately mentioned that charges were fraud and not done by me as I did not use XXXX XXXX  ever and was physically present in USA during that period.The Credit card was in my possession during that time. 

Chase bank removed the charges from my account for few days and reposted back the same amount on XX/XX/2021 without any intimation. Upon contacting fraud department of Chase bank they mentioned that " I was benefited from transaction '' so they charged me the amount. I provided all the facts of my physical presence in US during that time and also mentioned that this charges were fraud and I have no link tied to this. I provided my passport copies which clearly mentioned my physical presence in US during that period. Also the charges are fraud which I am being billed by Chase bank. There is no communication from Chase bank on what basis my fraud case was closed and did not provide any justification. 

My passport was under renewal at XXXX XXXX XXXX XXXX, XXXX from XX/XX/2021 till XX/XX/2021. The fraud transaction date was on XX/XX/XXXX during which my passport was under renewal process and definitely I could not travel without my passport. Attaching the same info along with CBP data for my recent US entry/exit dates. With all this proofs I decline the charges charged to my Credit card using XXXX XXXX, which I believe I am victim of this fraudulent crime held.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
These accounts are hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here are the items I am asking you to verify as accurate : XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX  {$500.00} XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$5500.00}
Product: Credit reporting or other personal consumer reports

Recently i did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors. 
I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of XXXX XXXX, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Product: Credit reporting or other personal consumer reports

We made duplicate payments in error on our mortgage account ( Flagstar # XXXX ) This resulted in over payment of {$16000.00} We filed a refund request on XX/XX/XXXX. We were told to stop Auto- payments until this matter is resolved. Flagstar Bank helped us to stop payments until XX/XX/XXXX. ( Flagstar Bank case # XXXX ) Flagstar refunded part of the above amount and reported us to the credit bureau which lowered our credit rating even as we resumed making Auto-payments starting in XX/XX/XXXX. Account is now current but case still unresolved!
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion lowered my credit score XXXX points for no reason several months ago. 

There were/are not any late payments or payments missed on my credit report. 

XXXX credit score has gone up XXXX points since TransUnion lowered my credit score XXXX points, and XXXX is now XXXX. 

The only credit card open is a XXXXXXXX XXXX account which every payment has been made on time and there are no missed payments. 

The only other open account on my credit report is XXXX which is a student loan account, with no missed or late payments. 

TransUnion keeps sending me my credit report, that is not the solution. 

TransUnion needs to write me letter stating what payments were missed or late or why TransUnion lowered my credit score XXXX points without cause.
Product: Mortgage

My husband was a  XXXX  vet and we have been married 20 years. He refinanced the home and assured me that if he died I 'd have no problems with it because my name is on the deed. When I sent  Ocwen loa n servicing the death certificate and a legal inheradence paper they still would not put my name on the title. I have never been late and my name is on the taxes for the home but they send the bill reading the estate of  XXXX   XXXX . I told them to put my name on it now. I have a paper with a notary signature of inheradence. That they asked for and I sent it to them. What should I do. I 'm a widow and I ca n't afford lawyers to help me. I just want to make sure the home is done right so I can make out my will. I am currently on payments and lived here for 20 years
Product: Credit reporting, credit repair services, or other personal consumer reports

Checkr does not have the correct record that the XXXX XXXX has on their record. I have attempted multiple of time to reach out, via phone call, the help chat bot and email. Calls get canceled after the first prompt, the help chat bot gives you the run arounds and so does the e-mail responds. Because of this is has caused XXXX employer to deactivate/terminate my account with them and another from allowing me to start work.
Product: Credit card or prepaid card

I made a hotel reservations for {$400.00} for two nights and paid in full. However, after the purchase and right before I was due to check in and get " check in instructions '' the company tried to get another {$75.00} ( security fee ). This fee was never disclosed when making a purchase ( do not confuse this with a security deposit, which is very common. This was an additional fee ). I canceled immediately because I did not agree to this. I disputed this with Capital One. I even provided all the documentation to prove my iron clad case. Needless to say, Capital One dropped the ball and claims I did not send in documents by the XX/XX/XXXX XXXX EST deadline. However, I have tracking that proves they got it on XX/XX/XXXX at XXXX. ( USPS Tracking # XXXX XXXX. After spending a few hours talking to non-helpful employees and a so called " supervisor '', they ended the call. Someone dropped the ball at Capital One and regardless of how much documentation they have refused to help or even provide a manager 's contact info for further escalation/resolution. I know without a doubt this would have been reversed due to all the documentation I had from time of purchase. It was just denied because of their " internal policies and the processes they have ''. 

This can not be legal or allowed. I will give you a perfect analogy as to what took place. Let 's say you agree to buy a football for {$1.00} and we agree to meet downtown somewhere on Friday afternoon. But I'm supposed to email you instructions of where I'll be. Well, no email is sent and you end up calling me and I tell you, I'll give you instructions after you pay {$5.00} for a secuirty fee. What would your response be? You would cancel the transactions correct? Well, too bad, I have a no cancellation policy and capital one just ruled against you, even though you provided documents that proved you paid for everything and that {$5.00} secuirty fee was never disclosed.

Get the point? Thanks.
Product: Credit card

I called my Navy Federal XXXX XXXX card company on XX/XX/XXXX in regards to interest that was shown on my statement due XX/XX/XXXX. I was inquiring about the amount because I had done a balance transfer with a promo rate of 0.99 % recently ( on XX/XX/XXXX ) for {$19000.00}. On last months statement ( due XX/XX/XXXX ), it showed that I had done a balance transfer with the 0.99 % for {$16000.00} ( which was incorrect ) but I figured it would be straightened out this month. It was not. They charged me 18 % on purchases of {$2400.00} which I'm assuming is the leftover amount from the balance transfer? I made purchases that month for approximately {$4200.00} and made a payment ( with credits from refunds ) of {$5600.00}. So I paid more than the purchases and the excess of the amount should of been applied to the balance transfer. That was also not done. 

So when I called the customer service line, the representative I first spoke to couldn't figure out what happened so I was then transferred to a supervisor. The supervisor told me " that's just how it is and don't use the card anymore '' without further explanation. I use this card all the time and it's been my go to card for years. My understanding is that they are supposed to apply any excess of payment to highest interest first. Which would be the 18 % - even though I paid the balance in full and I don't know why they have a balance there anyway. I would like to report this issue as I feel like they are taking advantage of me and charging me for interest that I did not accumulate.
Product: Debt collection

in Late XXXX Portfolio recovery started contacting me about a XXXX account in my name that they had purchased. After many back and forth phone calls and trying to figure out this account I found out that this was indeed my account and the person who was using it was someone that lived in my house and was now deceased. So after speaking with a Portfolio recovery representative discussing options, and asking for a breakdown of how they came to the amount due total. they verbally offered me a 1 payment offer of XXXX. This would have been XX/XX/XXXX I wrote the check and it was dated XX/XX/XXXX. It cleared my bank on XX/XX/XXXX. It has been 2 years and they will not acknowledge my payment. I have sent them copies of the returned check, when I call and the representatives look in my file they can see the check and they can not understand why it's not reflected on my account. the PR people have told me to 1 ) send in your bank statement showing where it cleared the bank. 2 ) call the dispute line and speak with them. I have called the dispute line, but mostly I will only email as I want a written trail to all of this. They never ever answer an email and the only thing they are trained to say on the phone is they have my dispute documented and they will contact me once they have investigated. I have sent them a clip of my bank statement showing where the check cleared, and I have sent them front and back copies of the canceled check. They never acknowledge my payment. I am over this. I am not sure what their goal is at this point because until they credit my account with the payment made there is no way to move forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax hasnt updated my report since XX/XX/2020, I paid off all my credit cards in XXXX and they still showing balances. Equifax is still reporting fraudulent information and addresses that do not belong to me and have yet to provide validation of the fraudulent accounts and addresses that were removed a placed back by Equifax. They are hindering me from my home buying process. They refuse to remove the addresses stating they are attached to accounts and Ive called all my creditors and they have and been reporting my current address. Equifax has replaced fraudulent accounts that were removed on my account without validation or contracts. Below Ive attached info from Equifax showing its fraudulent and not me it clearly shows someone elses name, ID, social, and address. Ive been fighting this account for XXXX yrs even tho I have proof it doesnt belong to me. 

XXXX  refuses to remove fraudulent addresses and accounts and refuse to show validation. Ive been fighting with this company for months sent info requested and still no removal. XXXX  also claims the fraudulent addresses are attached to open accounts and thats not true Ive called all my creditors and they have no knowledge of the addresses on my credit file and are reporting my current address. They are also hindering me from closing on my home. XXXX  has replaced fraudulent accounts that were removed on my account without validation or contracts. 

I cant and wont receive any mail at the fraudulent addresses Equifax and XXXX  have on file.