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

In XXXX, my account was compromised for a period of about a week and again in XX/XX/2020. I reported this to Cash App almost immediately. Upon following up, I was originally told that I didn't file a claim within 60 days, which I did. Another CashApp employee verified that, but stated that I never sent back a form they sent me. This is false. There was no form sent to me. When OI attempt to communicate with them, they ignore what my concern is and start talking about some random charge that has nothing to do with the issue at hand. I have several emails proving this. It's really rather strange and intended to divert a situation they are obviously guilty for. Today I have learned that XXXX XXXX ( XXXX XXXX ) has been receiving payments from my account. These charges, like the ones in XXXX, are a result of someone assuming my identity via the Cash App and transferring my funds out. My rights are being violated. I need them protected in the XXXX and XXXX incidents as well as this most recent issue beginning XX/XX/2020 through XX/XX/2020 and totaling {$2300.00}. The incidents in XXXX and XXXX total over {$11000.00}. Cash App is being deceitful in dealing with this claim. I will include statements with the charges circled that are invalid. I am including all statements for all events.
Product: Credit reporting or other personal consumer reports

Subject : Escalated Complaint Regarding Inaccurate Reporting of Cancelled Debt by MACYS/CBNA To Whom It May Concern, I am filing this escalated complaint regarding the continued reporting of a cancelled debt by MACYS/CBNA ( Account ending in XXXX ) on my credit report with XXXX and XXXX, despite the issuance of a Form 1099-C documenting the cancellation of this debt. 

Key Issues and Violations 1. Continued Reporting of Cancelled Debt : MACYS/CBNA issued a Form 1099-C for {$3100.00}, indicating that the debt was cancelled as of XX/XX/year>. 
The continued reporting of this debt as charged off on my credit report contradicts the identifiable event of cancellation as documented in the 1099-C. This inconsistency violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates maximum possible accuracy in credit reporting.

2. Failure to Update Credit Reporting : Despite the identifiable event of cancellation, XXXX and XXXX continue to list this account as charged off, with no indication of the debt being cancelled. 
Reporting a debt as both charged off and cancelled is misleading and harmful to my creditworthiness.

3. Misrepresentation of Debt Status : The issuance of a 1099-C signifies that the creditor has discharged the debt, which should result in its removal or accurate update on credit reports. Failure to do so misrepresents the legal status of the debt, potentially violating the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692e ). 
4. Harm to Creditworthiness : This inaccurate reporting significantly impacts my credit score and financial opportunities. The continued derogatory reporting is unjustified given the cancellation of the debt. 

Requested Resolution To resolve this matter, I respectfully request that the CFPB : 1. Investigate MACYS/CBNAs compliance with FCRA and FDCPA regulations regarding the reporting of this account.

2. Require MACYS/CBNA to instruct XXXX and XXXX to remove the derogatory information related to this account from my credit report.

3. Provide written confirmation that the inaccurate information has been corrected or removed from my credit report.

Supporting Documentation To support this complaint, I have attached : A copy of the Form 1099-C issued by MACYS/CBNA for this account. 
My credit report highlighting the continued reporting of this account as charged off. 

Contact Information Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX Phone Number : XXXX Email Address : XXXX I request that this matter be addressed promptly and that a resolution is provided within the mandated timeframe for investigations. I reserve the right to seek damages under applicable consumer protection laws for any continued inaccuracies. 

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

TransUnion LLC XXXX. XXXX XXXX  XXXX, PA XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX
Product: Mortgage

We are in the process of selling our home, buyers and I are doing an assumable mortgage in which the process started back in XXXX of 2024. Buyers and I have continually been trying to contact Flagstar bank trying to get dates on when we can expect to close on our loan assumption but no one is able to provide details upon request. 

First time we started contacting Flagstar trying to expedite the process was back in XXXX of 2024 to no avail. We have a 60 day escrow with our buyers and we have since gone passed our closing day scheduled for XX/XX/year>. The last Flagstar communicated to us was that the underwriter needed additional documentation from our buyers in which the buyers submitted on XX/XX/year> and the loan processor sent an email stating the underwriter should review the documentation within 48-72 hours. It is now XX/XX/year> and underwriting has not completed the task or updated us with closing information. 

I was originally supposed to report to work duty on XX/XX/year> but we have yet to close. This slow loan assumption process is also causing my family I a delay in the closing of our other home that is currently in escrow waiting on the close of this home. my family and I are currently in danger of losing our new home as well as having our rate lock expire I beg CFPB to step in and try to help remediate this issue as soon as possible as closing is delayed a week due to Flagstar 's assumption department and I need to report to work on XX/XX/year>. I need to close out the sell of this home by the end of the week or risk disciplinary action from my employer. I believe Flagastar has had a substantial amount of time to process our assumption and they have all of the documentation from the buyers that they need to process and give the clear to close on the loan assumption.
Product: Checking or savings account

XX/XX/XXXX I found charges in my personal Wells Fargo account that were not mine. I found the following charges and dates : XX/XX/XXXX Recurring Payment XXXX XXXX Recurring Payment XXXX XX/XX/XXXX Recurring Payment XXXX XX/XX/XXXX Recurring Payment XXXX XX/XX/XXXX Recurring Payment XXXX These are the dates I found and filed but when speaking to the XXXX representative on XX/XX/XXXX he found XXXX back XXXX for XXXX. On XX/XX/XXXX I received a letter stating that only the XXXX would be refunded due to over 60 days since first withdrawal occurred. 

I went into the branch and spoke to a banker XXXX and she stated that the claim filing with the XXXX claim was the issue and we needed to refile with the original dates I called about. She then say an additional claim on XX/XX/XXXX for XXXX that was processed after my fraud claim was filed. This claim for the XXXX has been found to be fraud and reimbursed. 

Wells Fargo admits they are aware it is XXXX and I called on these dates even before the statement for these dates was mailed. They are stating that the 60 days between the XXXX claim and XXXX claim makes the XXXX is not reimbursable due to how claim was filed. 

This new addition to XXXX fraud policy is a new one as I have previously had a fraud claim that span eight months and all fraudulent charges were reimbursed. I have been given as many stories as employees that I have spoken to. 

Claim number XXXX paid XXXX Claim number XXXX paid XXXX not paid XXXX Claim number XXXX is open after I let them know I would be filing claim here. I asked what dates are on this claim and it still remains unclear but is with upper management in the Fraud department. XXXX contact number XXXX is the last person I spoke with today XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

First I asked XXXX, Transunion and XXXX to check the information on my report and to delete certain items. 
In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate and date last reported is not accurate and multiple Collections reported monthly. This is ground for removal and monetary relief.

They also violated the law because according to the FCRA the Credit Bureaus never did a proper *investigation* according to the FCRA, The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics ; or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information they did not do this.

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

In accordance with the Fair Credit Reporting act 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. I never gave TransUnion, XXXX or XXXX my written consent or instructions.

15 U.S.C 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.

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, credit repair services, or other personal consumer reports

I recently checked my credit report to apply for a mortgage loan, and discovered many hard inquiries on my report. These are the inquiries that are errors in my report : XXXX XXXX XXXX INQUIRE DATE XX/XX/XXXX, XXXX XXXX INQUIRE DATE XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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 is Reporting accounts that shouldnt be on my Credit Reports. These Accounts only Show on my Experian and XXXX XXXX but not on my XXXX with fall under [ 15 U.S. Code 1681 - Congressional findings and statement of purpose ]
Product: Credit reporting or other personal consumer reports

I have sent dispute requests to XXXX, XXXX and Equifax regarding the following accounts numbers : XXXX / XXXX / XXXX / XXXX. The dates of these disputes are as follows : XX/XX/24, XX/XX/24, XX/XX/24, XX/XX/24 and XX/XX/24. Despite all of these letters sent to these XXXX bureaus, there has been no dispute language on my credit report. There have also been no investigation results sent to me. It is very clear that my case has not been looked into whatsoever by any of these bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I was told account would be deleted from report as it is paid and it not closed with a balance. 

Account is NOT deleted from report and is still showing a balance. 

Company was suppose to send email and letter showing they deleted account and they never did nor did they show account paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my TransUnion credit report it is showing 2 addresses that are not mine, I have never lived there and dont know anyone who has lived there. I was looking on my TransUnion credit report and it seems like my identity was stolen and used for these rental properties under my name. Also theres another persons name that is tied to my credit report too XXXX XXXX and I dont know a XXXX XXXX. Ive been trying to get a hold of transunion but cant at this time.
Product: Debt collection

Sent email out to Debt collector requesting a purchase agreement, and validation request. Debt collector refused to provide such information.
Product: Mortgage

In XX/XX/XXXX, I was forced to overpay unearned late fees of {$2800.00}. 
For 8 years Nationstar has secretly allocated {$11000.00} after deleting all contemperaneously charged late fees and a single {$990.00} deferred late fee. 
I owed {$1500.00} in late fees. 
In XXXX, XXXX and XX/XX/XXXX, I provided clear evidence of this inaccurate payment allocation, Nationstar 's counsel claimed was updated XX/XX/XXXX, and then after causing my prejudice by fraudulently obtained XXXX waiver and release, the counsel waited a month and disclosed that in fact no update to lines XXXX were ever actually made. 
XX/XX/XXXX I wrote a required notice of error. Nationstar acknowledged the notice XX/XX/XXXX, and refuses to respond with a data entry correction in lines XXXX and refuses to provide me with an accurate account history of my loan. 

I was provided a Verification of Mortgage that also claims I had XXXX current payments when the final payment was current and the first XXXX were generated 16 days after the due date and paid the date I received them in the mail.
Product: Mortgage

PENNY MAC HAS PROVIDED ASSITANCE THRU PARTIAL CLAIM IN THE PAST .PARTIAL CLAIM ASSISTANCE NOW EXHAUSTED.LOOKING FOR A BRIDGE TO XXXX WHEN XXXX XXXX STARTS.CALLED PENNY MAC ASK TO ALLEVIATE OR WORK OUT SOMETHING LIKE EXTENSION FOR 3 MONTHS .THEY RESPONSDED WITH PRETTY MUCH PAY LIKE YOU ARE .THAT IS NOT ASSISTANCE.! EVEN IF WE DID AGREE THEY HAVE THE FLAWED NOTION THEY WILL PLACE 1 -3 MONTHS WORTH OD ARREARAGES ABSORBED INTO A 30 TO 40 YEAR NOTE WHICH NEEDLESSLY INUNDATES BORROWER WITH XXXX OF DOLLARS WORTH OF NEEDLESS INTEREST PAYMENTS .THAYT IS NOT A CONSTRUCTIVE LONG TERM SOLUTION. WHAT THERE OFFERING ITS AT THE VERY LEAST A XXXX A IF NOT CRIMINAL .WE ARE COMING TO THE END OF THIS HARDSHIP AND THIS IS EASY RO SOLVE.IF YOU ARE GOING TO FORCE A XXXX  XXXX FILED BY MY SPOUSE TO AMORTIZE ARREARAGES AND provideA SELF IMPOSED BK MODIFICATIONS LETS BEGIN THE HOSTILE NEGOTIATIONS NOW.NO ONE IS GOING TO LOSE A HOUSE OVER 3 MONTHS OF PAYMENTS NOR DOES BORROWER HAVE TO ACCEPT RIDICULOUS REMEDY THATS NOT PRACTICAL NOR GROUNDED IN FACTS AND ONLY MAKES THE LONG TERM HARDER.IN MASSACHUSETTS THIS CAN BE PLACED IN FRONT OF A JUDGE
Product: Debt collection

Credit collector L J Ross associates claimed I owe them {$370.00}
Product: Payday loan, title loan, or personal loan

Money was supposed to be debited on XX/XX/21, money was debited on XX/XX/21. I contacted Earnin and they instantly put the money back in my account. There 5 debits cleared the bank before my bills did, so I had a bill rejected that resulted in an overdraft fee. The money was in there to cover my bills, but the Earnin debits cleared instead. Earnin refunded 3 of my overdraft fees caused directly by their debits, but refuse to refund the fee caused by my bill being rejected, even though the bill would not have rejected had they not taken their money out on the wrong day.
Product: Money transfer, virtual currency, or money service

There are 5 or 6 missing international wire transfers. And we have 9 affidavit papers which these 5 or 6 missing wires are among them. After some investigation bank informed us that they found out that 1 of these wires has been rejected. This might also be the case for other missing wires, its weird because we signed their affidavit papers and they shouldnt have been rejected.We have transferred the money through Money Exchange in XXXX and we dont have access to them.Can the bank reverse the rejected wires? Because we cant access the money exchange in XXXX. 
And please investigate other affidavit papers to see which 5,6 of these 9 has been rejected or blocked.

We dont have much time its already been months, if we dont take action soon we might lose our money. 
I will provide the account number, its a joint account
Product: Credit reporting or other personal consumer reports

I send transunion a letter didn't get a response in 30 days
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and ihad fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my abiality to obtain credit. This is something that is against the law, according to the fair credit law and I would like to be able to eliminate it so I can obtain credit
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TN XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX PL XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX {$4400.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$3700.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$3000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XXXX {$2400.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX 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 an 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 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 notice this acct # XXXX XXXX XXXX has been charged off and you never sent me a XXXX you be so kind and send me a XXXX for a cancellation of debt on this due to my financial hardship.It would be greatly appreciated thank you
Product: Checking or savings account

First, before my situation started I tried to get my email on file changed because I noticed it was not the address I signed up with. A week later it was still not resolved and my account was overdrawn bare twice. Instead of changing my account particulars and issuing me a new card I have to wait till some secretive department feels like responding through email. Normal banks usually get it all done with one phone call. More than {$1500.00} has been taken from my account and all the transactions happened overseas. Usually, transactions that far away from the card holders zip code are denied. These went through and left me with a low account balance. I have called these people a number of times and after a grueling verification process my concerns are still met with nonchalant passing of the buck to a department I have no communication with. Also I've been hung up on numerous time. This is no accident. I could see if I was unpleasant I'm just adamant in getting this situation resolved. I also gave them a police report code from the local department. XXXX XXXX XXXX. I need to be given a new virtual card and my account unfrozen. This bank and it's customer service department are a complete failure.I would appreciate if you can do anything on your end to get this situation resolved. I can not pay bills, buy gas, purchase food until this is rectified. Thank you in advance for your initiative regarding this situation. 

Here are the Dispute ID # : XXXX / XXXX / XXXX / XXXX / XXXX / XXXX / XXXX / XXXX