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

I sent money via Cashapp to someone on XXXX XXXX. However, when I learned that the person does not have access to the account anymore, I issued a refund for the money and explained the issue to customer service via Cashapp App. 
When I provided proof that the person stated that they no longer had access to the account and showed the transaction in question, they still said that they couldn't issue the refund because it went through and that the person would have to contact them. But, my aunt is elderly and can't do this herself. I explained that to Cashapp, and still they said that they can not help me. 

I literally went in circles with Cashapp customer service, and have yet to receive a refund from Cashapp. They did not reverse the charge.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX XXXX XXXX XXXX LVNV FUNDING LLC XXXX XXXX XXXX XXXX, XXXX RE : Cease and Desist Collection Activities To Whom It May Concern, I am writing to formally demand that LVNV FUNDING LLC cease all communication with me, as well as all collection activities related to the alleged debt referenced under XXXX. Please take notice that under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., I am exercising my right to request that you stop contacting me regarding this matter. 

This cease and desist demand applies to all forms of communication, including but not limited to telephone calls, emails, letters, or other means of communication. Any further contact from LVNV FUNDING LLC or any agent representing your company will be considered a violation of the FDCPA, and I will not hesitate to report such actions to the appropriate authorities, including the Federal Trade Commission ( FTC ) and my state Attorney Generals office. 

Please acknowledge receipt of this letter in writing and confirm that all collection efforts on the alleged debt will be immediately discontinued. 

Should you continue to attempt to collect this debt after receiving this notice, I reserve the right to pursue all legal remedies available to me under the FDCPA and any other applicable laws. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian two weeks ago, because my credit report is stating a deragatory mark that has been there for over 60+ days. The problem is I requested a copy of my credit report and all of my accounts are showing up in good standing, and I can't see any deragatory marks. I told this to Experian and they told me that they can't talk about any information from my credit report. My credit score has gone down because of this deragatory mark, and I can't even dispute it because it is not showing up on any of my accounts. I've looked at my reports from all three major bureaus. XXXX and Experian are both reporting a serious delinquency/deragatory mark 60+ days, but XXXX is not XXXX I've attached my three credit scores from the major three bureaus. 

So to summarize, both Experian and XXXX are reporting a not existing delinquency and it's not even showing up on my credit reports, causing my credit score to drop over 60+ points. XXXX is reporting the accurate credit score. You can see in my attachments that all three bureaus show Accounts ever late : 0, and collections : 0. So where exactly is my deragatory mark??
Product: Credit reporting or other personal consumer reports

I discovered my identity was stolen upon receiving a collection notice for a credit card I never opened. Further investigation revealed multiple unauthorized accounts, including a personal loan and a cell phone contract, all fraudulently created using my personal information. XXXXXXXX XXXX XXXX  and the phone provider confirmed these accounts were opened without my consent. I attempted to file a police report but was referred to the FTC, where I reported the theft. I also contacted major credit bureaus to place fraud alerts. This identity theft has harmed my credit score, and I am working to recover and secure my information. 

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information. 
XXXX XXXX
Product: Checking or savings account

Two months ago, some psycho or phony came across from my XXXX profile and asking me about some winning bonus that I was pre qualified for. They were other questions that they were asking me my bank information and they had the nerve to take out so much out of my bank account and gave to somebody else so they scammed me and I had no other choice but to file a police report on them. The next day or two days after money taken from my virtual wallet spending account from PNC. The scam company contacted me and he said he was sorry but hes not he did that on purpose, so the next day I had to go to my bank and have them dispute the money and everything was solved but the scam company were still on my information and they refuse to deactivate my info out of their info. My stupid self agreed to something that I should of never done and I take full responsibility from that. Two months later I got a call from a PNC Agent name XXXX and he said that they arrested the guy who took all my money and hes telling me he wants give it back to me but I told him Ill leave to the dispute and have them investigate it so I didnt give him any other information because I was under police authorities his number is XXXX if you wish to contact him if you can because he has all of my money. Thank you!
Product: Credit reporting or other personal consumer reports

Dear Experian Team, I am writing to formally request that you block and delete all fraudulent accounts and hard inquiries listed below from my credit file per 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ). 
As a confirmed victim of the XXXX data breach, my personal information was compromised, resulting in fraudulent activity appearing on my credit report. I have verified through the XXXX XXXX XXXX XXXX website that my information was affected by this breach. To protect myself from further unauthorized use of my credit, I am taking the necessary steps to have this fraudulent information removed from my report. 
Accounts to Be Corrected or Removed 1. XXXX XXXX Current Issue : This account has been removed from my Experian and XXXX reports . 
Action Requested : Remove this account from my XXXX credit report, as it is inaccurate and no longer valid. 
2. XXXX XXXX XXXX Current Issue : This account has also been removed from my Experian and XXXX reports. 
Action Requested : Remove this account from my XXXX credit report immediately, as it is no longer valid. 
3. XXXXXXXX XXXX XXXX XXXX Current Issue : The account is incorrectly reported. 
Correct Information : This account should reflect " Pays-as-agrees/In Good Standing '' with XXXX missed or late payments and " Worst Payment Status : Current. '' Action Requested : Update this account to accurately reflect its positive standing. 
4. XXXX XXXX Current Issue : The account is incorrectly reported. 
Correct Information : This account should reflect " Pays-as-agrees/In Good Standing '' with XXXX missed or late payments and " Worst Payment Status : Current. '' Action Requested : Update this account to accurately reflect its positive standing. 
5. XXXX  Current Issue : The account is misclassified and incorrectly reported. 
Correct Information : This account should reflect " Pays-as-agrees/In Good Standing '' with XXXX missed/late payments and " Worst Payment Status : Current. '' Account Classification : This is not a real estate loan ; it is a consumer loan for solar panels. 
Action Requested : Correct the classification and update the account to reflect its positive standing. 
Hard Inquiry to Be Removed XXXX  XX/XX/year> This inquiry was unauthorized and must be removed immediately in compliance with FCRA and Metro 2 guidelines. 
Supporting Documentation : To assist with the processing of my request, I have enclosed the following documents : 1. A copy of my government-issued identification showing my current address. 
2. An affidavit of fact confirming my status as a victim of the XXXX data breach. 
3. A printout from the XXXX XXXX XXXX XXXX website confirming my affected status. 
Please process this request promptly per the Fair Credit Reporting Act and confirm the resolution in writing. If you require additional information or documentation, please do not hesitate to contact me at ( XXXX ) XXXX or via email at XXXX. 
Thank you for your time and attention to this matter.
Product: Debt collection

This company has the wrong person I would know if I went to the hospital, I have disputed and requested validation and nothing has been received. Please help
Product: Debt collection

I am a victim of identity theft. Someone used my information and ran up medical debt in my name. DEBT RECOVERY SOLUTIONS recently placed a collection account for an original creditor named XXXX XXXX XXXX  XXXX on my credit report. This debt is not mine. I have never been to XXXX XXXX for any purpose ever. I have contacted XXXX XXXX and informed them that this debt is not mine and was informed that I would need to contact this debt collector and let them know.
Product: Credit card or prepaid card

I received a letter in the mail stating that all my credit cards have been closed as of XX/XX/2018. I have no idea why. all my accounts are in good standing, ive never missed a payment, and i havent done any illegal activity whatsoever. I was stunned for this to happen to me. This is just a case of pure bullying by someone who has more power than me. now, i am without a bank account of any kind, and i am missing all the lines of credit that were available to me. How am i going to keep up with my daily expenses? I have no idea ...
Product: Debt collection

Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : NORDSTROM/TD BANK Account Number : XXXX Date : XX/XX/2015 Amount : {$740.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports show the agencies are reporting a bankruptcy with inaccurate information wrong dates and filings that appears under my name the account is outside of the bankruptcy when should be included in the filling the courts have confirmed they have given no agency the right to post this information in my file.
Product: Debt collection

On  XXXX / XXXX / 2017 , I received an email from my e mployer (   XXXX   XXXX   ) a nd she had a received a voice email from a debt collection company (  XXXX  ). The call stated, '' that they was a legal processor and they were going to send legal documentation to garnish my wages and sue me in court, if I did not respond immediately.     So I called, company na me is ( LP Services Group ) su pposedly based out of California, telephone number  XXXX  or  XXXX .     I called and spoke to a  XXXX   XXXX , he said I owed {$920.00} to a credit card company  (   XXXX   XXXX   ) t hat I did not recognize. I asked, '' if he could send me documentation before I agreed to pay ''. He replied, no not until I made payment arrangements on said (, account #  XXXX   ).  He told me that if I did not pay we could go to court and the amount would go from said amount of {$920.00} to {$4000.00} for court fees and I would have a garnishment of {$400.00} a pay period. I was scared because I had a garnishment before and it almost made me homeless. I now only work  XXXX     and attend   XXXX   XXXX   and to have a garnishment of {$800.00} a month  would be a definite homelessness situation for me.     So, I complied, and I gave them my Credit union debit card information and the agreed amount every month would  be@  XXXX  for the nex t four m onth on the  XXXX  of each month. Well, to my surprise the money was not deducted or has not bee deducted as of today. I call the credit union and told them I think I had be scammed and they closed or cancelled my debit card account and will reissue a new number and card.     I was very vulnerable at the time of call and conversation and I talked to my family and I tried to locate company online and could not. I then went to BBB to locate and too check reviews and could not locate. Then I found another website and saw the different types of scams and realized that I had become a victim
Product: Credit reporting or other personal consumer reports

XXXX Account # XXXX Date Opened : XX/XX/XXXX, XX/XX/XXXX Date Reported XX/XX/XXXX, XX/XX/XXXX Amounts : {$690.00}, {$680.00}, {$690.00} Delete account from Credit Report, Improper use of my Credit Report, I did not give this company authorization
Product: Credit reporting, credit repair services, or other personal consumer reports

Late Payments on credit report In accordance with the Fair Credit Reporting Act this creditor has violated my rights.

Under 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 instructions.

Under 15 USC 1666b - a creditor may NOT treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Due to these violations I have a right to sue per violation.
Product: Mortgage

XXXX / Citizens Bank, N.A. adds fees for additional insurance to my mortgage year after year. Year after year I 've requested the additional insurance removed, completed all required forms and submitted all requested information. I had been advised the insurance would be removed when calling after confirming I met all their requirements in prior years, but the insurance was not removed. This year a law firm has become involved, I 've made XXXX attempts to submit the forms, only to be told today that the address that Citizens Bank provided was incorrect. I am now being asked to complete and resubmit forms a XXXX time. The additional cost of the insurance is significant each year, and with the FEMA flood insurance increases in addition to our own personal home owners insurance that is required seems excessive. Each year I have gone through this process of sending forms after forms, then call after call I usually get told it will be removed, but never has been. I do n't feel that their practices are appropriate, their process is nearly impossible especially for someone working full-time and I feel their information is deceptive. This additional insurance requirement was added later after loan origination, disclosures sent, but again obviously they do n't want to enable a consumer to remove or reduce this added insurance no matter how much additional coverage the homeowner has on the personal policy.
Product: Checking or savings account

BREACH OF TRUST, CONFIDENTIALITY, AND SECURITY On XX/XX/XXXX my husband and I saw XXXX at Citizens Bank, XXXX XXXX XXXX, XXXX, NH  XXXX. We needed to make adjustments to our online banking. We each have a checking account and a credit card. We no longer require access to each others accounts. XXXX told us these changes would take effect the following day. 
Next day we logged in. We can now see each others accounts but not our own. 
When I called the banks main office I could not speak to a representative by giving the last four digits of my SSN. I had to give the last four digits of my husbands SSN. He called in to Citizens to pick up forms for signing. 
XXXX had told me on the phone that I needed to change my logon and/or password but refused to talk me through the procedure. XXXX the manager did talk me through it. I changed my password but it did not solve the problem. She said the accounts got mixed up by the person who opened the accounts in the first place. I find this hard to believe. My account was opened in about XXXX of XXXX. How did this error go unnoticed all this time? 
Today, XX/XX/XXXX, the problem has not been resolved. I can not check balances, transfer money, pay bills, stop a check, or do any other banking online. I cant see if there has been a fraudulent transaction. 
We do not know if our debit and credit cards work. 
XXXX handwriting is an untidy scrawl. He made mistakes with figures on the forms and missed details. He has been extremely unhelpful and was surly to my husband. 
Most distressing of all is that when I logged in this morning, XX/XX/XXXX, to find nothing had been resolved, the first thing I saw was my husbands checking account summary, with a transaction I should not have seen.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing a recent copy of my credit report, I noticed several accounts that I were associated with or were established without my knowledge as well as consent. It became immediately apparent that these accounts were from the direct result of identity theft or fraud. I have no recollection or establishing these accounts nor have I received any goods or services from these accounts. After reaching out to the local authorities, I was advised to complete and send in a copy of a identity theft report to the credit bureaus. I since have sent a copy of an identity theft report to all three major consumer reporting agencies ( Experian, XXXX, & XXXX  ). I also listed fraudulent addresses along with some inquiries that were never requested on my behalf. I recently received a letter from Experian refusing to honor it due to my request was made in error or I have received, goods, money, or services on behalf of my of the fraudulent related accounts. I find this FALSE accusation very absurd, discriminatory, and a violation of my consumer rights as well as the Fair Credit Reporting Act in regards to section 605b, 609, and 611. Experian has received supporting documentation supporting my claim and did not even attempt to pursue an investigation. Experian has no way of knowing any goods, services, or money I received due there automated data furnisher or e-oscar verification system which only verifies a consumers name, address, and social security number. I find this response totally unacceptable and plan to proceed to take legal action if this matter is not resolved very quickly. The specific accounts listed on my identity report were 1. XXXX  XXXX # XXXX, 2.XXXX XXXX  # XXXX, 3. XXXX  XXXX # XXXX, 4. XXXX XXXX XXXX # XXXX, 5.XXXX  XXXX  XXXX # XXXX, 6. XXXX # XXXX.
Product: Debt collection

I sent a letter to this company requesting information about this account that showed up on my credit report. I have made several attempts to obtain proper information from this company however each time I was not successful in obtaining the information. Instead I received a letter requesting information from me which I am not willing to provide considering that I am disputing the validity of this account. Furthermore, the company is reporting this account yet can not locate my alleged account in their system. This further justifies my statement that this account reporting is not valid. The information I provided in previous letters to the company, along with the account number above ( which I obtained directly from the credit reporting 's ) was sufficient enough to find an account for me if a valid account for me did in fact exist. This company has failed to send me any information that I requested and yet continues to report this account.
Product: Credit reporting or other personal consumer reports

1st Franklin Finance did a hard inquiry on XXXX without my knowledge and on XXXX. XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX.
Product: Debt collection

I got a transfer from my employer about 700 miles away so I sold my house and got one under contract but my mortgage broker tells me I have to get a {$180.00} collection removed from my report I have called 3 times and asked for a deletion and was told they never do deletions even if I paid it in full the account is from an internet provider I have paid it and turned in their equipment I just can not find my receipt I offered to pay it again they still will not delete the collection I disputed it on XXXX they sent me an email saying the item was deleted but its still there and they still refuse to delete it so Im stuck XXXX and a XXXX veteran between a rock and a hard XXXX the internet company cut my service after missing only one payment of {$55.00} so I dont understand how it could be {$180.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Transunion. Despite sending them the last complaint, dated XXXX XXXXand I have not received any response up to this date. Besides, the inaccuracies about my inquiries are still on my reports. Therefore, Transunion failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continuously reported as unverified information on my Credit Report. Here are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX XXXXXXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX XXXX XXXX of XXXX XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date XXXX XXXX XX/XX/XXXX XXXX-Date of Inquiry XXXX XXXX, XXXX XXXX-Date of Inquiry XXXX XXXX, XXXX XXXX XXXX-Date of Inquiry XXXX XXXX, XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX
Product: Credit reporting 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. 

Account Name : XXXX FL XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 card or prepaid card

I payed faithfully 18 months on time payments overdraft my acutal banking account if necessary. This was my first actual credit card after 18 months with a {$500.00} credit limit. I was notified i owed over $ 1k dollars as XXXX year old working for $ XXXX/an hour XXXX job. I refused to pay. I asked how was this even possible. The representative responded my payments didn't go through. I then replied if this were true how was i granted more credit. I was told that i was being sneaky mind you all my payments were done via the actual discover app straight from my bank account at the time and i had the overdraft fees to prove it. I sent in documents and disputed my heart out as i watched for the very first time my credit plummeted. I eventually saved up and payed in full expecting it to be deleted, and to put this all behind me. Naive of me it never did and my credit went up maybe 6 points. 6 years later my credit still has never been the same