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

On XX/XX/2020 my Tax returns were deposited into my Cash App account. I was using Cash App as a baking app for direct deposit because I was having issues with my normal bank. 

Well I didnt find out untilXX/XX/2020 that it was direct deposited on that day. Well on that same day my wallet was stolen. I dont even know if my money is being Used or not? 

I contacted Cash App to try and close the account until further notice. I was told not to close the account cause I can loose the money. 

I provided the credentials SO many times they kept saying they couldnt find me. Then all of a sudden Cash App said Theyll merge my accounts. So when they asked if I had a bank card attached I said no you because Cash App is my Bank card. There were emails sent back and forth and still nothing. 


I am a single mother. I have little funds. Covid has a effected my XXXX  to attend daycare and Im with out a job. I know I have my funds and where they are at. But no one wants to help me. No one seems to even care. 

If I dont have money. Me and my XXXX  will be on the street.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, Transunion has assumed a vital role. on XX/XX/XXXX I submitted complaint here on the CFPB portal about your Company Reporting Negative on my consumer Report. You responded on XX/XX/XXXX 6 days after stating that my report was updated which prove you never investigated it nor did you actually updated my Report to reflect all accounts Positive. I Clearly stated that I did not give you consent to report and you are in Violation of the FCRA. 

Per the FCRA As a federally protected consumer I am now Opting out of any and all authorization I the consumer may have giving you and your 3rd party affiliates written, unwritten, verbal or non verbal. XXXX, XXXX, Transunion you are the Furnisher of information, you compile and sell Reports, While selling those reports you are in Violation of 15 USC 6802 as you are disclosing my Non Personal information to those Non affiliates, which puts me at risk of Identity Theft. 

XXXX, XXXX, Transunion you are also reporting Transactions and Experiences ( late payments ) not only are you reporting them but you are reporting accounts that has been paid as agreed. Per 15 USC 1681a Transaction and Experiences are excluded on a consumers Credit Report. I did not give you consent remove at the reciept of the complaint. 

Per The Privacy act of XXXX I have a Right to Privacy and I Enforce these rights for the following Reporting accounts. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4500.00} I filed a 1099C to the IRS that XXXX this balance to reflect {$0.00} XXXX : XXXX XXXX XXXX XXXX Credit Card Balance {$5300.00} I filed a 1099C to the IRS that discharged this balance to reflect {$0.00} XXXX  XXXX XXXX XXXX Balance {$580.00} XXXX XXXX XXXX XXXX {$760.00} XXXX XXXX Balance {$780.00} I did not give consent to report collections on my report Remove ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX XXXX and Experian asking them to verify and validate XXXX XXXX for two accounts with different balances but the same account number. I was never informed about the debt and didnt ever know that it existed. Both are under account number XXXXxxxx balances of XXXX and XXXX. I was sent a letter that say account were verified but with no proof of documentation that I asked for.
Product: Credit reporting or other personal consumer reports

Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXX/XX/XXXX
Product: Checking or savings account

Sometime in XX/XX/year>, i receive a call from Wells Fargo XXXX branch in XXXX XXXX, Ca about a person cashing my check and i refuse to agree because we did not issue that check and i believe the bank still have the check they trying to cash in. The next day i received a call again from Wells Fargo XXXX branch in XXXX XXXX Ca ans somebody is cashing my checks again and i refuse because we did not issue any checks to anyone because my account now is red flag by the bank. So i doubted something is wrong so i audited my account with Wells Fargo for the entire 2024 and found i have lost a lot money stolen from my account. Please see my attatched detailed scenarios, claim numbers, etc i am asking help from CFPB to recover all my money. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Experian XX/XX/XXXX for inaccurate information showing up on my credit report for XXXX XXXX XXXX. I do not understand how XXXX/XXXX are not reporting this account but Experian do and carry a balance of {$3.00}, XXXX. XXXX XXXX is reporting incorrectly as well due to a balance of {$6000.00} on Experian and for XXXX / XXXX is showing a balance of {$0.00}. XXXX XXXX XXXX XXXX shows 130 dsys late on Experian XX/XX/XXXX but XXXX   don't report it and XXXX  report me being 120 days late XX/XX/XXXX. Since XX/XX/XXXX I been fighting to REMOVE inaccurate information off my report. I just received a letter from Experian stating they will not reinvestigate.
Product: Debt collection

Midland Credit are sending these unprofessional people serve papers. When they do n't get there way they become obnoxious and rude. When we told this private and have a no trespassing sign they still ignore. When we told him to leave he holler out the window exposing our business in front of the entire neighborhood. Telling us hope midland credit sue us and take us for everything we have. My husband is XXXX and on a lot of medicine. After this he became very angry and agitated. These put look very unprofessional and always shows up on Sunday. We 've told them not to contact us because we have no original business with this company. I will be filing a lawsuit against these people.
Product: Debt collection

Since making the last payment that was owed to Telerecovery on XX/XX/2020. I have tried to get the derogatory remarks on my credit removed. They were contacted and were very rude about it and apparently this is common for them after a simple XXXX search. I filed a dispute through XXXX and apparently they verified to XXXX   that this is a valid debt still even though I can go on their website and see that my account is payed in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX. I received a debt collector letter how much I had to pay. I responded on XX/XX/XXXX. I requested for a validation and still waiting for respond. XX/XX/XXXX I found out it was reported on my credit report. The letter states that I have 30 days if I do n't respond they will report to the credit bureaus. IC System has violated the US Code Title15, Chapter41, SubchaterV- debt collection practices.They reported early to my credit bureaus at the XX/XX/XXXX day. Unfair and false statements. I contacted the credit bureau and sent in the docs and was removed. They do not have the right to do that. I looked in to the company and they really have bad ratings. This company should be fined for improper activity.
Product: Debt collection

I signed up for auto insurance for 1 vehicle and when the bill for that month was not what I was qouted and actually astronomically higher I cancelled with them. The amount i was qouted was around 120 dollars a month so i paid the XXXX. They charged me XXXX for one month because someone entered it wrong in their system and I refuse to pay XXXX for 1 month of auto insurance.
Product: Credit card or prepaid card

I called twice to Capital One on the night of XX/XX/2020 to have my credit card unrestricted. The card has been paid off in full since XX/XX/2020. Two agents advised it was unrestricted each time I spoke to each agent. Using the card on XXXX the same night, I received messages the payment failed. I attempted again this morning, XX/XX/2020. The same results. I called to Capital One tonight at XXXX XXXX and spoke to two agents. I was told by the first agent that I had missed XXXX 's payment ( paid XX/XX/2020 ) and that my card can not be unrestricted and I should apply for a new credit card. I asked for a manager. XXXX, identified herself as an Escalation Manager, reiterated that my card can not be unrestricted due to a 4 day late payment in XX/XX/2020 ( she found the payment although the other agent did not ) and ( despite Capital One charging a late fee plus I paid my card off in full almost two months ). The card is active, paid off in full, the company has not cancelled the card, yet I am told it will not be unrestricted for use. So I have an active credit card, paid off, account not closed, yet the company will not un-restrict it for use. XXXX could not give a reason at all of how this happens to be so, nor could she offer or direct me to information from the company notifying a customer of this alleged policy. I have asked for an escalation of my account. I told the representative she must be misinforming me as I can not see the logic in a company having a consumer who has paid off and brought the card up to date, and will not un-restrict the card for the consumer to use, which is a benefit also to the company. Just does not make any sense. 
I wish to have this matter fully investigated and Capital One provide proof of this type of policy of the Company and any reason why this may be logical business practice.
Product: Credit card or prepaid card

On XX/XX/XXXX, I went to a merchant to make purchases on Chase credit card. At that time, I was not aware he was a fake doctor, giving illegal medical advice, and selling products. Later that day, I talked to him on the phone about my finding and returned the products two days later. I contacted Chase Bank to dispute charges at the same time. Chase Bank Dispute Dept. credited my account, so I closed the card in XX/XX/XXXX. But I found the charges came back in XX/XX/XXXXstatement with the new credit card number that I had never received. I called Chase Bank, the supervisor told me the charges were fromXX/XX/XXXX, because the seller told the Bank he did not talk to me, and he was not sure if the products were returned, so he would not refund. It was a lie. But Chase Bank believed and paid him. The supervisor explained they sent me an electronic letter on XX/XX/XXXX to request the proof of returned products. I told her I did not receive the letter at all, otherwise I would have provided all the evidences. Also, I told her I did not have online access to that account anymore at that time because the account was closed. How was I supposed to get the letter she talked about? She said she could not re-open the case because it's passed the timeframe. Then she hung up on me. It was so rude. It's definitely a negligence from the bank since they did not acknowledge or re-verify with me for the fraudster 's charges of total of {$2900.00}. 

I submitted a letter onXX/XX/XXXX to Chase Bank Compliant Escalation with all the evidences I have with the seller including text conversations and proof of returns on XX/XX/XXXX andXX/XX/XXXX. 

I am not going to pay the charges because Chase Bank paid the merchant without my authorization or confirmation. I am requesting that the errors be corrected, that any finance charges related to the disputed amount be credited to my account, and that I get an accurate statement. 

Enclosed are copies of documentation supporting my position and experience. You could see the adjustments made on 4 statements from Chase Bank that had never been correct. 

I have been with Chase Bank for more than 8 years, always been a good customer, receiving good and pleasant services. But now I am shocked and traumatized so I am complaining Chase Bank had a lack of procedures in place that are designed to provide me with rights and protections against fraud, misuse and misrepresentation.
Product: Vehicle loan or lease

I placed an order on XX/XX/XXXX for a XXXX XXXX XXXX with a {$700.00} down payment on XXXX. I was told online, on their website and the app, that registration and title would be included before signing the contract for the loan. After signing all required documents, I received a notification via the app that my registration was complete and plates were on the way. It also stated that if I didnt receive my plates by XX/XX/XXXX, to give them a call. On XX/XX/XXXX, a week after the 7-day return policy ended, I received and email stating they were notifying me of the change in their registration and that all Nevada residents will now be processed as title only. I immediately called in to dispute it and was told theres was nothing they could do and I would have to pay registration fees in full. I feel as though it was very misleading and false advertisement to say it would be covered by XXXX on the website and app and then be told I have to pay for registration out of my pocket.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian reports FICO score to XXXX XXXX which allows me access to it. My credit rating throughout the last year was steady at about XXXX ( see attachment ), then in XX/XX/XXXX, inexplicably, my score tumbled to XXXX. Shocked by the rapid decline, and knowing there were no triggering events, on or about XX/XX/19, I reviewed my credit reports from XXXX, XXXX, and Experian. All were stellar -- no defaults, all bills paid on time, all closed accounts were left in good standing. I called Experian, XXXX XXXX 's supplier, to complain, and they threw it back on the bank, which in turn blamed Experian.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

After Experian disputed items on my report some came back as verified. I gave them a chance to cure and also ask to show me the contract I signed, they responded they don't have it. So I asked to prove that debt is mine or delete it. Attach is a letter I want Experian and the original creditor to have. It's experians job to make sure items are 100 % accurate not just a simple, its verified and no investigation was made.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX said and showed I was late on a payment which is incorrect. The card isnt even activated but all payments were automatic. It was a XXXX XXXX XXXX XXXX, not my information that was negatively reported, please remove from my credit profile
Product: Mortgage

I contacted my mortgage lender XX/XX/21 requesting an updated payoff letter. Since then I have made over 20 calls and. Have yet to receive it. I have had to push my closing date back twice. I believe that the lender is intentionally withholding my payoff because I am refinancing and moving to another lender. This delay is costing me money as interest keeps accruing.
Product: Checking or savings account

On XX/XX/XXXX ( posted XX/XX/XXXX ), I attempted to withdraw {$100.00} from my checking account at an ATM in XXXX XXXX in XXXX XXXX DC. The ATM did not process my transactionit spent a long time loading before proceeding to eject my card and not dispense any money. I didnt think much of it and proceeded to try a different ATM in the same building. The second one worked and I was able to withdraw {$100.00}. However, BOTH transactions posted on my account, charging me {$100.00} ( includes atm fee ) twice. Ive tried to contact my bank ( Navy Federal Credit Union ) multiple times regarding this. I disputed the first withdrawal and they notified me that they determined from their investigation that I benefited from the transaction. Ive called at least 3 times trying to speak to someone in the relevant department with no success. I was directed to just submit an appeal through the app which was rejected saying the same thing as the initial decision. If I could actually speak to a human there that works in the correct department, I think they would understand that it wouldnt make sense for me to withdraw the same amount in the same building on the same day if I got the money out that I was trying to withdrawal the first time. I think in whatever investigation they did, they are confusing the first transaction with the second. This is more about the principle at this point than the actual money lost as {$100.00} is not nearly worth the time I have spent attempting to resolve this. I just submit a complaint with the XXXX XXXX XXXX the other day as well and I will continue to escalate the matter until a human working with Navy Federal Credit Union reaches out to me to apologize for their negligence and refund my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made attempts to correct my credit and have been having extreme difficulties each and every time. I have currently been working with the credit agencies to have all accounts and information rectified. Currently after requesting that an investigation be done on all my accounts with each agency I am still finding discrepancies that are holding me back and have been verified. In Particular Navy Federal is using the XXXX platform to provide and gather credit updates and I have recently discovered that they are still reporting items and debt incorrectly. According to Navy Federal I have closed accounts that thy are still trying to collect on and have recorded me at XXXX XXXX in debt with auto loans. I do not own any vehicles. The accounts are listed as closed, but Navy Federal is reporting that this debt still exist even when the account itself has been closed or removed. This needs to be fixed as it is decreasing my overall credit score. Furthermore, I have disputed these debts with XXXX. I have made every attempt to fix this situation. I have spoken to several NFCU employees and have gotten nowhere. I have tried to work with the underwriting department and nothing. This has also stopped me from actually getting a loan for anything else. I cant eve qualify for a bank loan and i've been with my credit union for 12 years. the amount of damage is ongoing and difficult to quantify. 
XXXX has been less than helpful as they have verified me as a totally different person and even after updates still has all my basic information incorrect. I have made attempts o request my credit report, however because they have my basic identifying information incorrect, I have been unable to obtain copies because they can not identify me at all. Please help
Product: Debt collection

This collection agency got my medical information and should n't have. I signed statements on all XXXX accounts they have on file that I was indigent when the medical visit to the hospital occurred. I also did n't give the doctors, labs, hospitals permission to disclose my information to this collection agency. They have continuously called various relatives and non relatives telling them that I am going to be held in contempt of court for not contacting them about the disputed bills. Just today, they called my aging mother, my son, and my ex-husband 's wife (? ) saying that I was going to get arrested if I did n't get in contact with them immediately. I spent my entire lunch hour assuring the people that I love that nothing was going to happen to me. 

This company is very scary and has the tact of an ape. They call at all hours of the day and night. They once called my old job and did n't stop calling till I told them XXXX times that I would get fired for taking their calls at work. 

I have denied owing money to them for years and have told them repeatedly to stop calling me and my family, friends, and place of employment. 

I feel that they were given my medical information illegally. I was on food stamps for a few months, applied and was denied unemployment, and was very poor when I visited the hospital XXXX times in XXXX years. Everyone who sent me a bill from the hospital stays was informed that I was indigent at the time. No collection agency should have been given my medical financial information. 

This company has filed XXXX accounts on my credit report, even though the original dept was taken off my credit records. I disputed these accounts, yet they stayed on my record and continue to harass me every day.
Product: Credit card or prepaid card

I have a Lowe 's credit card that I signed up for e-Statements. The issue is that I am not getting the statements and then am being charged interest and late fees because I do not see at statement. I have used the card multiple times during XXXX but the last statement emailed to me was in XX/XX/XXXX. I believe I should be getting statements and not have to search them out.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
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 or other personal consumer reports

I looked on my XXXX XXXX account and saw hard inquiries from different companies that I've never heard of and definitely didn't authorize to pull my credit. According to the FCRA these unverified and unauthorized items must be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The rest are my open accounts. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

SELF FINANCIAL INC/ LEA ACCOUNT NUMBER XXXX DATE XXXX XXXX XXXX In accordance with the fair credit reporting act XXXX SELF FINANCIAL INC account XXXX XXXX, has violated my rights. 

15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit card plan as a late for any purpose.
Product: Credit reporting or other personal consumer reports

Company XXXX failed to properly investigate the accuracy and validity of a few items in my credit report and did not notify me of results. XXXX sent a letter saying that did not open investigation because they didn't believe it was properly authorized by me. Listed inside the dispute letter I put all my identifying information to identify myself.