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

Complaint Regarding Financial Losses, Fraud, and Lack of Support by " Cash App '' Between XX/XX/XXXX and XX/XX/XXXX, I faced numerous issues with Cash App that caused severe financial and personal hardships. Below are the key incidents : Unexplained Fund Withdrawals : On several occasions, " Cash App '' deducted funds from my account without explanation. These unauthorized withdrawals amounted to over {$16000.00} during this period. Despite contacting their support team multiple times, I received no resolution. 

Fraudulent Payment Reversals : Customers who used Cash App to pay for services and products often reversed payments fraudulently, even after they had received their items. I provided proof of these transactions, but Cash App repeatedly closed my account instead of addressing the fraudulent reversals. 

Account Hacks and Theft : My account was hacked three separate times between XXXX and XXXX, leading to losses of over {$4000.00}. I immediately reported these incidents to Cash App and submitted all necessary documentation, but they failed to recover the stolen funds or provide any meaningful support. 

Impact on My Life : The total financial loss exceeded {$20000.00} and directly impacted my ability to provide transportation for my family. In XXXX, I lost my car due to these financial setbacks, making it difficult to ensure my children could get to and from school. 

I ask that Cash App provide a detailed investigation into these issues and restitution for the financial losses I suffered due to their lack of security and support.
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 15 USC 1681. XXXX XXXX XXXX # XXXX has violated my rights.

15 U.S.C 1681 section 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
Product: Checking or savings account

A fraudulent bank account was opened using my name and social security number when someone gained access to my e-mail account. As a result, when I attempted to open my account with Chase I was unable to as a security alert was placed on my account. My personal banker worked with me to rectify the issue and I was able to finally open accounts with Chase. I recently tried to open a new account with Chase and the same issue has occurred where the security alert caused my account to be closed. My personal banker and a few representatives from Chase understands that this was done in error but they are not getting the proper approval necessary to reopen my account from their back office team.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Credit agencies are reported fraud accounts after been contacted several times. I'm currently unable to access cattery files at this time. I can see XXXX wireless is still been reported which is a fraudulent account along with names and addresses. Each time I tried to assess XXXX, Equifax XXXX XXXX I am greeted with an error. I was only able to find out that little brief information from trying to get an account with XXXX XXXX XXXX and having the ability to speak with a live agent.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting or other personal consumer reports

My account with ( CAPITAL XXXX, XXXX, XXXX XXXX FIN ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Checking or savings account

XX/XX/2023 two checks were Stolen and were cashed and Deposited to someone that was not intended for at US Bank. TWO checks ( One check {$5300.00} / One XXXX ) XXXX was removed from My Account. 
The checks were only written for XXXX and XXXX total XXXX to other creditors And not received, I Closed accounts and filled out Affidavit Claim # XXXX XX/XX/2023 and another Affidavit XXXX Called Fraud Dept. Every Month since XX/XX/2023 Been Now Seven Months and Bank has Not Refunded Money removed from Account. called each month and received same Answer that ( Sorry and Working on Claim ) Fraud dept. will not Call or Meet, Only Mail correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with AMSHER COLL ( Original Creditor : 08 XXXX XXXX ),  AMSHER COLL ( Original Creditor : 11 XXXX XXXX ), and XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX XXXX XXXX XXXX  ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, AMSHER COLL ( Original Creditor : 08 XXXX XXXX ), AMSHER COLL ( Original Creditor : 11 XXXX XXXX ), and XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX  XXXX XXXX XXXX  ) with no successful resolution. There was definitely an error on their part.
Product: Debt collection

I was informed that there was an application filled out using my information for an apartment that Ive never lived at.
Product: Money transfer, virtual currency, or money service

I withdrew some crypto to my CoinBase account. It's left my other account, but it still hasn't shown up in my CoinBase account. It's been over 6 hours. I've sent multiple messages on multiple platforms, but I can not get anything besides an automated response. They tell me to submit my issue online and they will send me a Case ID number, but I've submitted four requests, and I have yet to receive a Case ID number.
Product: Credit card

I recently applied for credit on XX/XX/2023, which I was denied. I am asking Bank of America to reconsider their decision, regardless of the reason for this denial which has negatively impacted on me, I have the right to credit. On your XXXX  XXXX filling with the XXXX on page XXXX under credit extension commitments it states " The Corporation enters into commitments to extend credit such as loan commitments, XXXX 's and commercial letters of credit to meet the financing needs of its customers '', under credit card securitization it states, " XXXX XXXX securitizes originated and purchased credit loans ( including receivables ) to support its own and its customers financing and investing needs which I have received no benefits. Therefore, withholding my rights to my securities is indeed securities fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed errors on my credit report with the company after submitting proof that the error should be deleted. After an initial notification, I received correspondence that was not truthful with the companies reply. It seemed as if this was a stall tactic to not thoroughly investigate my disputes. I sent correspondences every XXXX XXXX XXXX days from XX/XX/XXXX to XX/XX/XXXX and have yet to receive any deletion of the disputed accounts. I have provided proof as well that the disputed account was deleted from one credit bureau, but the additional bureaus aren't cooperating despite this proof of deletion.
Product: Debt collection

Credit Protection Association, a debt collector, has filed a negative credit item with XXXX. I have disputed the item with XXXX. Credit Protection Association has certified to XXXX that the debt is correct. However the debt is related to a XXXX XXXX account that was opened in XXXX of 2019. I have not ever opened a XXXX XXXX account.
Product: Debt collection

I am writing to file a formal complaint regarding inaccurate charges listed on my final apartment ledger and the uncooperative responses I have received from both National Credit Systems and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. regarding this matter. 
I have made National Credit Systems aware of my dispute to the ledger during a conversation with accountant XXXX XXXX in XX/XX/year>. However, I was met with aggression and refusal to investigate. XXXX XXXX, a representative for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, also discouraged me from pursuing the dispute, stating that he doubted my success in having the items removed. 
In both instances, I made both parties aware of the lease and its statement regarding the Early Termination charge which amounts in the total of {$3500.00} and XXXX utility charges which shows on the ledger for dates XX/XX/year> - XX/XX/year> which totals {$120.00}. I was met with discouragement and a lack of care for the legal documentation and proof of XXXX receipt.
Product: Student loan

My original student loans were through Nevient and since I am XXXX and on XXXX I am unable to work, therefore pay back what I owe. In 2016 i was called by XXXX XXXX XXXX XXXX as a loan forgiveness program. Since i am XXXX and receiving no help thru my loan company I signed on to this program. Since signing on I am charged {$19.00} a month and my loan balance keeps increasing every month on my credit score. I have tried calling with no success of getting a hold of anyone from the original loan program to the student relief program. I feel like I have been scamed all around ... and just need this nightmare to end.
Product: Credit reporting or other personal consumer reports

My issue is with XXXX, Equifax, and XXXX with a car loan company, XXXX in which each company reports late as of XX/XX/XXXX. As this is untrue, I relinquished the vehicle in XXXX yet its being reported as though I have XXXX XXXX XXXX day lates. How can I have that many XXXX  day lates reject and am offended by Equifax, XXXX, and XXXX reporting this erroneous information. This is keeping me from getting a mortgage and other credit. XXXX XXXX XXXX has been compensated by receiving their vehicle back. In accordance with the Fair Credit Reporting Act this creditor, XXXX XXXX XXXX  and Equifax, XXXX, and XXXX have violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I am tired of being denied credit and having my rights violated. As a consumer, I should be treated fairly as should anyone any consumer any American.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a car dealership, and they told me my credit report would only be ran once. But my credit was ran multiple times without my consent. 12 times. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I went to get a a car and was told i would not have my credit ran to fill out an application, and they did so without my consent. 
XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX no purchase was made No consent for this credit run XXXX XXXX XXXX XXXX no consent and nothing opened FRAUD No consent for this credit run XXXX - no consent and nothing opened FRAUD No consent for this credit run XXXX XXXX- no consent and nothing opened FRAUD No consent for this credit run XXXX XXXX- no consent and nothing opened FRAUD
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  charged me for some device ( a XXXX I think ) that it said I was responsible for returning it to XXXX XXXX XXXX. The dispute went for two years then XXXX XXXX XXXX admitted it was its mistake and refunded the money to me and notified the credit rating of the mistaken report. Before XXXX XXXX XXXX reported the problem to the credit rating companies, my score was XXXX. Now, the issue was resolved in my favor, XXXX  continues rating my credit at XXXX, XXXX  XXXX and Experian XXXX. I have got no response from them with my complaints. I am applying for refinancing and can not get the favorable rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 15 USC 1681. 

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 XXXXXXXX has violated my rights. 

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any 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

I am filing this complaint against Transunion for failing to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). Specifically, Transunion has failed to properly review and process my dispute regarding inaccurate information on my credit report, as required by federal law. Details of the Issue : I identified several inaccurate accounts on my credit report and submitted a formal dispute to Transunion, providing all required supporting documentation to demonstrate the errors. Transunion did not conduct a reasonable investigation into my dispute as required by the FCRA. Instead, they failed to provide me with an adequate response and did not address the inaccuracies in my report. The inaccuracies in question are still present on my credit report despite my repeated efforts to resolve this matter. These accounts are : Account Name : XXXX  XXXX - Account Number XXXX Account Name : XXXX XXXX - Account Number XXXX Account Name : XXXX XXXX - Account Number XXXX Account Name : XXXX XXXX XXXX - Account Number XXXX Account Name : XXXX XXXX XXXX - Account Number XXXX Account Name : XXXX XXXX XXXX - Account Number XXXX Account Name : XXXX  - Account Number XXXX Transunion 's failure to comply with its obligations has caused significant harm to my credit profile and financial standing. This behavior constitutes a violation of federal law, including : The FCRA, which mandates that credit reporting agencies investigate disputes thoroughly and correct or delete inaccurate, incomplete, or unverifiable information. The CFPA, which protects consumers from unfair practices and obligates entities like Transunion to handle disputes in a fair and responsible manner.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : 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  I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 


Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.