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

I'm filing a complaint against cash app due to unfair practices and not being able to reach a customer service agent when needed. I've had to make several cash app due to the constant fraud from scammers which violates the Consumer Financial Protection Act. Cash app fails to address fraud on their platform leaving my account at risk and unprotected. Cash app does adhere to the Electronic Fund Transfer Act and Regulation E. Again, these actions have caused significant financial loss, scamming and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I found a XXXX  check for the collateral balance remaining from my secure credit card I had with Wells Fargo. The cashiers check and letter are dated from XXXX, but I had just found the document on XX/XX/XXXX. I first tried to call to verify that it would be able to be cashed at a branch, I got no response from any customer service agent at Wells Fargo. I then tried to cash it at a local branch, they said they could not and told me to contact customer service. After many attempts to get this issues resolved, after several agents continuously transferring me to department after department within Wells Fargo customer service I still have no resolution to getting my funds which Im legally entitled to. I have the letter and the check number but yet anytime I speak with Wells Fargo over the phone I am either transferred to the incorrect departments or hung up on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Date Opened : {$840.00} XXXX XXXX Balance Owed : {$0.00}
Product: Debt collection

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I decided to look at my credit reports from the 3 credit bureaus and found that this COMNWLTH FIN ( Original Creditor : XXXX XXXX XXXX XXXX ) was reporting to be negative on 3 Credit Bureaus. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit reporting or other personal consumer reports

Fraudulent Accounts : US Dept of Education XXXX XXXX XXXX XXXX {$7600.00} ) US Dept of Education XXXX XXXX XXXX XXXX XXXX ) I have two student loans on my Transunion, XXXX and XXXX consumer report and these accounts are due to fraud. The accounts were open in XXXX which is proof of fraud due to me being XXXX during the year of XXXX. I was XXXX  and sentenced in XXXX of XXXX, served with five years in the XXXX XXXX XXXX XXXX. I have documentation from the XXXX XXXXXXXX Circuit Court Clerk 's Office to support what I am reporting. I have never asked the creditor for a loan I have never signed any loan agreement I deny any ownership of the student loan accounts. It is physically impossible for the accounts to belong to me for as I was away in prison during the year of XXXX to be exact, I was away from XX/XX/XXXX to XX/XX/XXXX is when I was released. 

Please provide ANY documentation that proves these are my accounts as I attached Sentencing documents from the court. Along with a FTC report to have these removed ASAP.
Product: Checking or savings account

XX/XX/year> at XXXX at the Bank of America XXXX XXXX Washington branch ATM . I put cash in this ATM to deposit. However it took the cash but the screen said it wrong with a problem. My cash disappeared and it was not deposited in.I tried to call the bank and customer services. No one answered.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2024 Experian XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Dispute of Hard Inquiry on my Credit Report Dear Sir/Madam , I am writing to officially dispute a hard inquiry that is listed on my credit report. After reviewing my credit report obtained from your credit reporting agency, I discovered an inquiry that I did not authorize or recognize. I request an immediate investigation into this matter and ask for the removal of the hard inquiry from my credit profile. Details of the hard inquiry : XXXX XXXX XXXX XXXX XXXX like to highlight the following concerns regarding this hard inquiry : 1. Unauthorized Inquiry : I have not given consent to XXXX XXXX, Chief Fin XXXX or any other entity to perform a hard inquiry on my credit report. This unauthorized inquiry has been detrimental to my XXXXdit score and overall financial well- being.

2. Lack of Information : I am unaware of the specific purpose for this inquiry. I have not engaged in any new credit applications, loan requests, or any other activities that require a hard inquiry during the stated time frame.

3. Possible Error : It is possible that this inquiry has been reported incorrectly, or there may potentially be an identity theft issue. I request a thorough investigation to verify the legitimacy of this inquiry. In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to a prompt investigation of this disputed inquiry. Therefore, I kindly request that you initiate the investigation immediately and provide me with a written response within the legally mandated XXXX period. Please provide me with the following information upon completion of your investigation : 1. Confirmation of the legitimacy of the hard inquiry.

2. The source of the inquiry.

3. Steps taken to rectify any errors or inaccuracies in my credit report.

4. Verification of the removal of the disputed hard inquiry from my credit profile.

5. Updated copy of my credit report reflecting the amendments made. I understand the importance of maintaining accurate and up-to-date credit information. I respectfully request your urgent attention to this matter and appreciate your cooperation in resolving the dispute promptly. 
Enclosed with this letter are copies of relevant documents supporting my dispute. Should you require any further information or documentation from me, please do not hesitate to contact me using the information provided above. 
Thank you for your immediate attention to this matter. I look forward to receiving a satisfactory resolution to this dispute within the designated time. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$6900.00} ; XXXX XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$5800.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$7200.00} ; XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX  ( Original creditor : XXXX ) XXXX Balance : {$1500.00} ; XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$9300.00} ; XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$2500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the CRA ( Equifax ). I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. They are not following E-Oscar and Metro 2 compliance protocols that the FCRA has in place and violating the FCRA. I believe that they are being in non-compliance with the federal law. The company came back and said that the account is accurate but have not produced any documents. I have disputed this item numerous times with inaccurate information being reported. There is no way that this trade line is reporting accurately. I wrote them on XX/XX/XXXX, along with a copy of my credit report outlining the inaccurate information and they responded on XX/XX/XXXX saying that the tradeline is reporting accurately and updated. It shows I was 60 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. How can that be? How can I be 60 days late 6 months in a row? What happen to the 90 days late, 120 days late, and etc. The payment history is inaccurate.
Product: Payday loan, title loan, or personal loan

Am a XXXX XXXX XXXX XXXX XXXX  who sat for my XXXXXXXX XXXX XXXX  on the XX/XX/22 and failed. so i went to look for help online and found this online tutoring service program which claimed to be tutoring students on the XXXX XXXX XXXXXXXX XXXX XXXX  with very high chances of passing but they did not allow any other form of payment other than getting a loan from AFFIRM and the payment has to be fully paid before they even enroll you So they have this AFFIRM icon on there website that was the only active one the other credit cards like XXXX XXXX XXXX XXXX  were inactive. so you are left with no other choice but get this loan even though you dont know how this service operated but since it was stated on the affirm website that if you are not getting the service that you expected from the merchant in 6weeks of getting the loan affirm can help you get back the money ( LOAN ). so i went a head and applied for the {$1800.00} which was what they were charging for 8 weeks with one session weekly for 45mins a session which for sure was over priced anyway coz its was just sending questions which one can get freely on line and you tube. 
After one session i realize this is not going to help me pass my exam coz it was just typing sending me questions from a question bank no direct contact with the tutor yet i expected a kind of XXXX thing. 

So I write to them after two weeks to counsel and get me out of this program but was willing to pay for the two sessions i had with them and they refused saying i have to pay for the loan I didn't even use coz they have a NO FUND policy So I got to affirm website and filled a complaint as it is states on the website that if you are not satisfied with merchant and the loan is within 6 weeks since they issued it they can help you get a refund i was with in the time frame coz it had only been 2 weeks they reply me after about 3weeks they say they work with the policy of the merchant so i have to pay the XXXX dollars i did not even use. 
its not fair for me to pay for a loan i did not use i accept to pay for the 90mins i had with them but why should i pay a whole XXXX dollars for a service i did not use. 

this seems like a trap am in now and am afraid it may affect my credit score which i have worked for years to build and protect. 

am kindly requesting for your help please.
Product: Mortgage

I have a loan with CMG Financial and they collected {$320.00} monthly in escrow for taxes and insurance based on what my taxes were at closing. I am a 100 % permanent and total XXXX veteran so am exempt from the property taxes. The actual tax bill was {$66.00} for the year which CMG paid in XX/XX/XXXX. I requested an escrow analysis but they would not do it until a year into the loan. The insurance was due XX/XX/XXXX and they paid {$1400.00}. They issued me a {$830.00} escrow refund on XX/XX/XXXX. I have called them several times over the last 3 weeks and they are insisting on holding enough funds in escrow for {$2400.00} in taxes for next year. I sent them the letter from the county stating I receive a 100 % reduction in my property taxes. It says on my online account that my payment is going to go up by {$7.00} on XX/XX/XXXX because my homeowners insurance did go up. It should be going down because of the actual tax amount.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$3.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit card or prepaid card

On XX/XX/2020 I received a fraud alert for my credit card through Bank of America informing me that a suspicious purchase was made. I confirmed the purchase was unauthorized ( an in-person pickup at a XXXX across the country ), filed a fraud dispute and canceled the card. I received confirmation that the fraud was being investigated, a temporary credit for the {$140.00} purchase and a new card two weeks later. I received notification on XX/XX/XXXX that the dispute had been resolved, NOT in my favor as it was consistent with my history with this merchant. Again, this was a XXXX purchase in another state in which I have never visited, and have not made a purchase at a XXXX in 6 months. When I attempted to contact Bank of America to dispute the finding, as they never asked for any information from me and this was obviously not consistent with my purchasing habits, the phone number provided simply disconnected me after a recorded message stated that due to extenuating circumstances no representatives were available to take the call. Additionally there are no means through the bank website or app to send a message or respond to their findings.
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you check the documents? Some accounts are reported incorrectly, showing inaccurate amounts and dates.
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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My information was disclosed/Shared to a third party without my permissible purpose or written consent! As per the FCRA, as a Federally Protected Consumer, I am now OPTING OUT of ANY and ALL Authorization that I, XXXX XXXX XXXX, may have given the data furnisher ; whether written, unwritten, verbal or non-verbal as per : 12 CFR 1016.7 ( a ) ( 1 ) ( ii ) - Form of opt-out notice to consumers ; opt-out methods 15 USC 6802 ( b ) ( 1 ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information ***This Opt-Out Authorization is effective IMMEDIATELY and INDEFINITELY! My Financial information was shared with XXXX XXXX XXXX without My Consent. I do not want any of my financial information shared with XXXX XXXX XXXX  in anyway.
Product: Checking or savings account

Synchrony Bank consistently, in the past several years, labeled most of our deposits as " XXXX XXXX XXXX ", instead of labeling each deposit as from that specific institution where that deposit came from.. For example, when a deposit was from an external bank such as XXXX XXXX  or XXXX  XXXX XXXX , instead of labeling that deposit being from XXXX XXXX  or XXXX  XXXX XXXX XXXX Synchrony will simply label that deposit as " XXXX XXXX XXXX XXXX. This has happened to more than 100 deposits we had in our account in the last few years. Because of this practice by Synchrony Bank, there is no way we know where all those deposit came from. 

Such practice has prevented us from reconciling our account. As such, we do not know whether Synchrony has recorded the correct amount of deposit into our account each time. 

We have spoken with Synchrony multiple times. To date, Synchrony has ignored or refused to rectify this situation. 

Every other institution that we have banked with has a clear notation on our statement where each deposit came from. So, to me, what Synchrony is doing is quite unorthodox.
Product: Debt collection

contacted company to verify debt and their wasn't enough evidence provided to verify if I owed the debt that was stated on my credit report I have no knowledge of this collection account.
Product: Debt collection

It showing on my credit as a charge off, but has a balance as XXXX. This is inaccurate, you can not have a balance and a charge off because the debt has already been forgiven.
Product: Debt collection

In XXXX of XXXX I obtained my credit report from the 3 bureaus. 
I noticed a collection account on my report from LVNV FUNDING better know as Resurgent Capital. I have never applied for a XXXX  XXXX credit card until I received an invite in the mail in XXXX of XXXX. On my report it states I have a charged off account. I sent a request for debt validation on XX/XX/XXXX and requested it be sent within 30 days not a Verification of address or a bill. On XX/XX/XXXX they sent a Verification of my address that i didnt ask for. I called them to get the matter cleared and they told me they had to submit a new dispute, using stall tatics, when I offered to send my fraud report from the FTC. Its now XX/XX/XXXX and the closed account is still on my reports and that's pass the 30 days that is given by the FCRA. I volunteered the fraud report to XXXX XXXX and XXXX i didnt get her last name and they didnt tell me where to send it to. Its also a closed account thats not mine and serves no purpose i want it removed. They violated my rights by not complying within the time frame. I want this account permanently deleted and no further contact with LVNV FUNDING and RESURGENT CAPITAL.
Product: Credit reporting or other personal consumer reports

This is not my account I do not owe XXXX XXXX XXXX and XXXX XXXX XXXX any money there is no contract between me and them stating that I owe this debt they need to produce proof of contract if proof of contract is not provided then delete this account immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act LVNV account ( 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 an account without my written consent.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

LVNV funding account listed above has violated my rights for the following reasons. 

- Displaying account status as open on XXXX and XXXX. 
- Displaying a past due amount reporting on all XXXX credit bureaus. 
- Displaying terms as ( 1 ) month to all 3 credit bureaus.

- Reporting over 120 days late on XXXX credit report. 

LVNV has additionally harassed me by using this debt to reach out via phone more than XXXX times a day threatening a suit if no payment is received.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I requested a copy of my XXXX report to see if XXXX was reporting any Bankruptcies on my public records and from that report that was sent to me Dated XX/XX/2023, XXXX was not reporting any Bankruptcies on my credit file. 

This information was Disputed with XXXX XXXX and Experian and the source that each credit bureau uses is XXXX and the results came back verified as accurate. 

If I have attached a copy of the letters directly from the courts whose stating that they dont report the information to credit bureau XXXX and the source each credit bureau XXXX which is XXXX and they are not reporting this information to the credit bureau XXXX then how are they verifying that the information is accurate? 

Each credit bureau has lied about placing the bankruptcies back into a reinvestigation as this has not been done accurately.
Product: Debt collection

I was sued for a debt owed {$4400.00} and the lawyers added interest and their fees and now I owe {$7700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from report i've try over and over to solve this matter and still haven't been solved I recently found i was involved in the XXXX  Breach of XXXX i was very scared about the news i was eligible to file a clam for what was lost but the process was very long, time consuming and complicated being that i dont have a history in credit or finance i was referred to an attorney who specializes in predatory loans and breach victim compensation after carefully reviewing all 3 of my credit files Ive noticed that i have after finding out i've place a fraud alert on my credit file on XXXX but that still haven't help fraudulent accounts still was open after calling the credit companies i have a list of account that was open and use without my consent XXXX  Report number XXXX TransUnion File Number XXXX XXXX XXXX  Block me from getting a copy of my credit report after telling me i was a victim of the XXXX data breach i haven't been able to get a report from then since so i dont have a report number from them i also have A POLICE REPORT FROM XXXX XXXX  POLICE DEPARTMENT XXXX Incident Number XXXX here 's the list of accounts that was open fraudulently XXXX XXXX XXXX {$670.00} XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX , XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$24000.00} XXXX XX/XX/XXXX XXXX XXXX  {$300.00} XXXX XX/XX/XXXX Contact XXXX XXXX  XXXX XXXX, OR XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX {$680.00} XXXX XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX  XXXX {$550.00} XXXX XX/XX/XXXX Contact XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX  XXXX  {$1800.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$1400.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX {$670.00} XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX CO XXXX XXXX XXXX , GAXXXX ( XXXX ) XXXX PLEASE HELP ME i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting XXXX information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports..