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

My wife and I recently discovered that sometime during the spring of 2020, our XXXX year old daughter opened up a CashApp account through Square , Inc. According to the terms and conditions, account holders are supposed to be XXXX years old. Obviously, they did no due diligence to independently verify her age. 


Square needs to due a better job verifying the ages of account holders. We have reason to believe that numerous of our daughter 's friends, also under XXXX, have Cash App accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed 3 separate written letters to TRANSUNION requesting them to validate accounts listed as XXXX, XXXX, XXXX XXXX XXXX XXXX Bank under my credit report. With every letter, I included notarization with copies of my identifications to prove my identity. I also mailed all of those letters via certified mail as evidence. 

Nonetheless, TRANSUNION has failed to verify the 4 items as they havent sent me any documentation with my signature on it. All the letters I received from TRANSUNiON seem to be generic responses since it 's the exact wording. Those responses say verified yet I dont have any verification as proof like I asked for in my letters. 

Letters were mailed on the following dates to TRANSUNION : XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX. I spent money multiple times on Notaries and in Certifying Mail services attempting to resolve this with TRANSUNION. 

On dates : XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX they mailed the same response yet it seems they ignored every one of my 3 letters as they didnt address it accordingly. There werent any changes made, just a generic response to meet the 30 days they have to respond requirement. 

( Copy of everything attached )
Product: Mortgage

I have discovered someone is misrepresenting their selves as myself and has used my deceased veteran fathers VA home loan and pension to live the lifestyle they stole from me, that my father saved for me to not have any worries, since he and I were kept apart for reasons I have gotten different mixed messages. But my mother told me that my younger sister got approved for her VA home loan thru her deceased fathers military history and my sister failed to do the leg work, now all of a sudden she has a home thru the VA and my mother claims her XXXX pays for my XXXX year old baby sister has a {$180000.00} tuition at XXXX in XXXX Florida, that supposedly our mothers XXXX pays for. No I have discovered recently through the 3 credit reporting agencies that I am a victim of true name fraud. I confront my mother and sister, my sister says she would testify and my mother claims she collects XXXX monthly which is what I am suppose to be receiving myself thru SSA per the manager on recorded line and my sons father. My mother has been collecting a XXXX deposit into my minor sons name at XXXX XXXX since XX/XX/XXXX the month after me and the father returned full custody and rights to myself, so my mother should never have opened an account with XXXX XXXX for my minor son, on top of all that the only settlement I would of got from my sons father in XXXX for support in the amount of XXXX was allegedly already collected by myself which never happened. There is multiple illegal activities under financial misconduct on all three people mentioned above. Once our stimulus checks were labeled XXXX I knew immediately some kind of XXXX scheme against me, as I am the oldest with a different father who was in the XXXX XXXX XXXX, and I have a mortgage in my name I am now aware of yet not until the letters from the credit reporting agencies started to come in the mail, offering free credit reporting, yet I can't get past the entry questions they claim that the info I provided does not match the credit file they have on me. So I as me knowing sure as XXXX what I have and haven't done should not have been blocked. My renters history for all the apartments I have rented with perfect rental history is in my sisters name or my sons fathers name. I paid my own rent and these people family or not are involved in federal level misconduct. I want to prosecute, being me and the son he demanded I never tell was his, has had to struggle as others live our lifestyle one we deserve. I have auto loans and student loans in my name I have never used. applications for credit cards, I never trusted to have one all the way to the age of XXXX and I applied to one I actually got my first time trying, yet the credit file indicates I have tried 11 times. So for a minor to get a deposit from the TREASURY DEPARTMENT with the same code as all the recent stimulus checks, there is a story to be told, yet with all the in between answers my instincts can not research or prove. PLEASE HELP US
Product: Credit card or prepaid card

In XXXX, I helped my Aunt get a computer in a XXXX XXXX. Due to her declining health, she no longer knows how to operate a computer, so in XX/XX/XXXX, I got rid of her computer and " cancelled '' her subscription to XXXX. XXXX continued to bill me for 4 more years. No matter how I tried to cancel the subscription, it continued to be billed. Last year, I closed the credit card account the XXXX was being billed to. Unrelated, our family moved, so I have a new home address, phone #, and email address. In XX/XX/XXXX, XXXX billed me {$89.00} again. I did not recognize the charge notice from the credit card until XX/XX/XXXX, since I thought it was junk mail. In XXXX, I happened to open the letter and saw I was being charged for XXXX on a closed account. I called CitiCard and reported it as a fraudulent charge in XX/XX/XXXX. CitiCard denied the fraud claim in XXXX and referred me to XXXX. I contacted XXXX and after a long conversation, I received an {$89.00} refund ( full amount ). I got the CitiCard statement in XX/XX/XXXX, and the XXXX {$89.00} credit is there, but the fees and interest are still there in the amount of {$130.00}. I called CitiCard and they can not refund fees and interest on a closed account. CitiCard accepted a charge on a closed account, charged fees on a closed account, took a refund from XXXX on a closed account, but can not reverse fees and interest on a closed account. Please help me get the fees and interest charges reversed. Since my account is closed I no longer have the credit card and I do not have the 16 digit number. Statements don't have the 16 digit number, and credit companies will not provide the number over the phone.
Product: Payday loan, title loan, or personal loan

Contacted this company via another forum as well as personally, to give them an opportunity to rectify this situation, yet they refuse to do so sadly. While checking my credit reports this account was added to all of them just last month, but it stated that I had used all of the {$500.00} credit limit, which is COMPLETELY AND UTTERLY FALSE!!!! They then tell me it was sent to my linked bank account, which by the way had been compromised and closed, due to fraudulent activity and negligence by the bank itself, with Grain being part of the reason for this. So I reported to both the bank and Grain, to which when Grain responded someone name XXXX contacted me back saying that I in fact withdrew the entire credit limit into the compromised bank account, and that there were no signs of fraud, even though I informed them of my bank account being compromised and my phone being lost/stolen, but yet they were persistent about me owing this {$500.00}. Since the conversation wasnt going anywhere I said I will pursue this till the bitter end, but in the mean time I didnt want it to be negatively reported on my credit, so how do I go about paying, EVEN THOUGH I SHOULDNT HAVE TO.but once I asked that, I havent got a response since.this was over a week or XXXX ago and its frustrating because Ive asked them already to handle this situation, but then they wont even respond to my request anymore, but will report me as being late on a payment that XXXX. ) I shouldnt have to make, and XXXX. ) on an account I never authorized to transfer anything on and XXXX. ) On an app that doesnt even work.I cant even get on anything because the app is so messed up it wont load or show anything anymore. Ive tried to link an account but it doesnt even allow me and they wont even bother responding now. They told me weeks ago that an Identity Theft Affidavit wouldnt even suffice, even though that is a legal tool used to prove identity theft, but instead they said they want a police report. My police department said there was little to nothing they could even do, and that filling out one could be done but wont make much difference in an investigation. THIS IS ILLEGAL, and this is your last chance to make this right, my attorney has been advising me and has made it clear that if this isnt rectified immediately, then litigation will commence against your company. First and last warning.
Product: Credit reporting or other personal consumer reports

This is to follow up regarding the late open accounts listed on my credit report. I am seeking assistance in correcting these inaccuracies promptly. 

I have previously attempted to address these discrepancies with the relevant creditors and credit reporting agencies, providing documentation and evidence to support my claims. However, despite my efforts, these late open accounts persist on my credit report. 

This situation has caused significant stress and hardship, as it affects my ability to achieve my financial goals and secure important financial opportunities. Therefore, I am seeking the intervention to ensure the prompt correction of these inaccuracies. 

Upon reviewing my credit report, I discovered several late open accounts that do not accurately reflect my financial history. These inaccuracies are causing harm to my credit score and financial reputation, hindering my ability to access credit and obtain favorable terms on loans and other financial products. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$200.00} ; XXXX XXXX Balance Owed : {$4200.00} ; XXXX  XXXX Balance Owed : {$3200.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$920.00}.
Product: Bank account or service

Saturday,  XXXX   XXXX ,   XXXX   my husband and I went to the  PNC  Bank in  XXXX   XXXX  in  XXXX , DE at abou  XXXX   XXXX   XXXX  . My husband went in side because I just worked a double at   XXXX   XXXX   restaurant. We were depositing the money from that night. He went up to the right atm to do atm cash deposit. The cash insert opened it took the the money {$120.00}  (   XXXX   XXXX   ) in  the machine took my money then it said " your transaction ca n't be processed at this time ''. It spit the card out and ended the transaction. There was no one available to help me after hour so I was out of money for  XXXX  weekend.   I went to the bank today and asked for th e Branch Manager . The teller told me there was n o manager in toda y. She directed me to a associate that told me I could n't get a credit of my money today and I have to wait up to 10 days to dispute. I am furious and very inconvenienced.
Product: Vehicle loan or lease

In XX/XX/2023 I emailed Ally Bank, regarding my auto loan, asking for my payoff amount on my auto loan. Their customer service agents are bullies on the phone and not to be trusted. 
I received a letter, in the mail, from Ally dated XXXX XXXX, 2023. It gave me a payoff amount and further stated that it should be paid on or before XXXX XXXX, 2023. I paid this amount, in full, as instructed on XX/XX/2023. 
So I receive another letter from Ally dated XXXX XXXX, 2023. It states that I still owe on this loan account. 
Isn't the amount given in the first letter binding? Please see attachments below.
Product: Debt collection

I do n't owe any bills or any debts I have informed this company of this and to stop communications with me they have ignored my written letter and are attempting to collect a debt I do not owe they just sent me more communications that have nothing to do with me what so ever their letter is claiming identity fraud their letter ignores my previous communications and has nothing to do with me
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching a credit report from XXXX XXXX XXXX my lender is using for a mortgage loan I am in escrow for. Capital One / XXXX XXXX XXXX is showing 90 day late delinquencies in late XX/XX/XXXX and early XX/XX/XXXX that are unequivocally false and incorrect. I was not late at all during those times, in fact, the account has been charge-off since XX/XX/XXXX. Their ca n't possibly be lates after an account has been charged-off. 

I am in a dire situation as my mortgage process is completely on hold until I clarify the error, and prove to my lender that the 90-day lates reporting are absolutely incorrect and did not occur on the dates reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681section 602 A. States I have the right to privacy.

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

15 U.S.C 1681 C ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is a predatory lender and I NEVER HAD A MORTGAGE WITH THEM. 

please send me any documentation you have that proves that I owe it. Until then, please cease all communication with me and note on your records that I dispute any responsibility for this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX, I sent XXXX and TransUnion dispute letters via certified mail, requesting the organization to update my personal information to reflect the accurate spelling of my name, address, telephone number, and employment. I also requested the removal of any duplicate personal information. In addition to my initial request, I asked for the two organizations to send an updated copy of my credit report reflecting the changes I requested. As a result, XXXX and TransUnion ignored my request. They did not make the changes to my credit report even after sending a copy of my driver 's license, which displays my current address and correct spelling of my name. Also, they failed to send a copy of my credit report after I requested. 

Certified Mail Receipt number : XXXX
Product: Debt collection

I am writing to request your assistance with a matter that has significantly impacted my financial standing and credit due to circumstances surrounding the COVID-19 pandemic. In XX/XX/XXXXXXXX I signed a lease renewal at XXXX XXXX XXXX in XXXX, AR, while attending XXXX XXXX XXXX and residing in XXXX XXXX. At the time, I had no way of knowing that the world would soon face a global health crisis. 

When the pandemic hit in XX/XX/XXXX, our university moved to online instruction. In response, I made the difficult decision to move back home to protect my family, as both my mother and sister have XXXX, a XXXX XXXX XXXXXXXX. I also carry the XXXX XXXX, which XXXX XXXX XXXX XXXX XXXX XXXX from XXXX. I continued paying rent for the remainder of the XXXX lease, despite no longer living in the apartment. 

However, I decided not to sign or pay for the new lease due to the ongoing health risks and uncertainty surrounding the pandemic. I communicated these concerns with the apartment management, hoping they would show flexibility given the unprecedented situation. Unfortunately, they did not make any concessions, and an eviction was filed against me for the new lease period, resulting in a large balance that remains on my credit report. 

This eviction has had a severe financial impact on me, and more importantly, it has left a lasting stain on my credit report that hinders my ability to secure housing and other essential services. I believe this eviction does not fairly reflect my circumstances, as it was caused by a global crisis beyond my control. 

I kindly request your offices help in advocating for the removal or resolution of this eviction from my credit report. As a responsible tenant and student, I made these decisions to protect my familys health during a once-in-a-lifetime pandemic, and I hope this can be understood and considered. 

While I understand that eviction proceedings and credit reporting practices may not fall directly under your jurisdiction, I am appealing to your office for guidance, intervention, or mediation to resolve this matter equitably. 

Thank you for your time and consideration. I would be grateful for any assistance or advice your office can offer in helping me restore my credit and move forward from the challenges of the pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit act. 
The list of accounts the list below has violated my federally protected consumer rights to privacy and confidentialality under 15 usc 1681. 
XXXX has violated my rights 15 usc 1681section 602 A.

15 usc 1681section 2.

15 usc 1681c. ( a ) ( 5 ) 15 usc 1681s-2 ( A ) ( 1 ) All have been violated against me thats fair in my life.
Product: Credit card

Ive tried to report fraud on the account and they are telling me because they alerted me and the charges were made in person they cant refund. I never made those purchases because the card was lost and the alerts were never set up on my phone. {$440.00} is the amount
Product: Credit card or prepaid card

Hi I was having a GAP credit card. As my visa was not extended I called gap to close my credit account and they told I am all set. This happened on XX/XX/2019 and I travelled back to XXXX. Last month I noticed there was an amount XXXX charged on my credit card. So I tried reaching the gap via chat and email but they told they dont have any control since this this is managed by synchronous bank and they provided a customer care number, which is not reachable from XXXX and they dont have any email id to reach. I am still in XXXX and have not done any purchased, the fair deal is is wave these and close my account properly so that the card wont be miss used again. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex fianc had a   XXXX   XXXX   credit card he opened in   XXXX   before I met him.  XXXX   XXXX  has an  XXXX  and   XXXX   XXXX   store account, which are linked. I was added as an authorized buyer around  XXXX . We broke up in  XXXX  and around  XXXX  I noticed both accounts are on my credit report. As an authorized buyer I have no obligation to this debt. I called   XXXX   XXXX   and they stated I was added as a joint user. I never gave any written or verbal consent, nor did I give them my SSN to be added as a joint user. I have been disputing with  XXXX   XXXX  and all  XXXX  credit bureaus to have this removed since  XXXX .   XXXX   XXXX   refuses to remove it, even with a police report submitted to them.   XXXX   XXXX   also refuses to provide me with any information showing I agreed to be a joint account holder. When I file disputes through the credit reporting agencies, I 'm advised that   XXXX   XXXX   does not investigate this issue, instead they send a generic response back indicating the debt is mine and they fail to show supporting documentation. Both accounts need to be removed ASAP!
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Midland Credit Management to pay my bill and the agent rejected my payment. They keep reporting it negatively> They have never sent me anything in the mail. I check my credit report and they are constantly reporting it negatively and rejecting my payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax. I sent several disputes through XXXX Equifax. Confirmation XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I sent them between XXXX pm to XXXX pm eastern XX/XX/2022. This disputes were done by midnight. I disputed an address that begins with XXXX that was incorrect. They did remove that. How in the world did they verify all information as request during non business hours? Whatever findings is thus rendered a false investigation and was not thoroughly done. Federal law states in US Title 15 Chapter 14 Consumer Credit Protection Subchapter 3 Credit Reporting Agencies Section 1681i - Procedure in case of disputed accuracy ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) 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. 

Please verify all entries, dates, and amounts if verified. Show me original the original documents. If not done properly, I already spoken with an attorney who is on standby.
Product: Bank account or service

US Bank applied a {$36.00} fee to my account and brought the balance down to negative {$35.00}. They put my account in negative. Then proceeded to charge overdraft fees 4 more times. They created my negative balance then penalized me because of the negative balance they created. Furthermore, they did n't inform me of the impending overdraft fee nor informed me the account was actually in " negative. '' They refuse to rectify the situation. They have charged me a total of {$180.00} in overdraft fees and my account is negative {$170.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance in removing a charge-off entry from my Equifax credit report. The account in question has been reported as a charge-off, and I believe this is an error that needs to be corrected. Despite my previous attempts to resolve this directly with Equifax, I have not received a satisfactory outcome. 

Account Details : Account Name/ Creditor : XXXXXXXX XXXX XXXX Account XXXX Reported Date of Charge-Off : XX/XX/XXXX In addition, I would like to highlight that under New York State law, the statute of limitations for debt collection has been reduced from 6 years to 3 years as part of the Consumer Credit Fairness Act. Since the alleged debt is beyond the applicable statute of limitations, I believe this account should no longer be reported as a charge-off or considered valid. 

Given the expiration of the statute of limitations and the inaccurate reporting of the charge-off, I respectfully request that the CFPB assist in ensuring that this item is promptly removed from my credit report. 

Please let me know if you require any further documentation or information to facilitate this process. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, NY XXXX XXXX XX/XX/XXXX