23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Cash app has let numerous of negligent attempts of people stealing my money as my bank account is attached to cash app. Cash app has let people attach themselves to my account as if I added them but the account stays hacked through cash app. I repeatedly have reported this to the FTC and XXXX  about cash app as well. The person that is in my account has been stealing money since XXXX u til now and there has yet bern anything done about this problem from cash app and it is now XXXX this person has now stolen {$300.00} of my XXXX check. I am depressed about this and I will be pursuing a lawsuit against cash app and I have filed a police report against the person plus cash app letting this continue to happen. I need some help on this matter immediately and I know I am nit the only person going through this with cash app. Cash app have the evidence that the person has been logging on from another device and another location. This is why I am going to pursue a lawsuit against cash app. Cash app is not a trustworthy company when it comes to protecting your money and privacy it is not safe putting your personal information with their business. They let scammers steal your money and let the scammers authorize the person account and believe the scammers word over the person account which is not understandable. Please help me to file charges against cash app and to shut their company down their not responsible at all to handle customers finances at all.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Indiana XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Dear, I hope this letter finds you well. I am writing to formally request a copy of the IRS Form 1099-C for a debt that was charged off and reported by your company on my credit report. The details of the account are as follows : Account Number : XXXX Date of Charge-Off : XX/XX/XXXX Amount Charged Off : {$18000.00} I believe that the issuance of a 1099-C is required under IRS regulations for the cancellation of debt, and I would appreciate your assistance in ensuring that I receive this form promptly.

Please send the 1099-C form to the address listed above or provide instructions on how I can obtain it. If there are any additional steps I need to take to facilitate this process, kindly let me know.

Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX
Product: Checking or savings account

Our Payroll company, XXXX XXXX XXXX, withdraws the direct deposit payroll wages and payroll taxes the day before the payroll is direct deposited. We are the victims of a scam that had the payroll service change the banking information for one of our employees. XXXX banks with Wells Fargo. The direct deposit is scheduled to be processed at midnight TONIGHT. That is in five hours. XXXX does not open until XXXX  EST. They do not have a 24 hour fraud line. Wells Fargo could put a hold on this transaction until it gets sorted but they refuse to do ANYTHING. 

To RECAP : {$7500.00} of an employees wages are due to be transfetred out of the XXXX payroll account in FIVE hours and Wells Fargo will do nothing to stop this theft.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

Please see all attachments listed from : AAA1, B2, C3 E5, F6 Concerning XXXX XXXX, on XXXX/XXXX/2021 their staff management was extremely bias to me as a consumer, because I which to speak to their fraud / compliance dept. in respect to the unscrupulous & fraudulent sale tactics of XXXX XXXX ... 
See attachment : A1 - page 4 - 8
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA VIOATIONS NOT MINE PLEASE DELETE NOT MY CC XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3500.00} Status Account charged off. {$3500.00} written off. {$2800.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5600.00} Status Account charged off. {$5600.00} written off. {$4200.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$2800.00} written off. 
XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$4900.00} written off. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$6500.00} Status Account charged off. {$6500.00} written off. {$6500.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3400.00} Status Collection account. {$3.00}, NOT MY CHILD SUPPORT OFFICE OF THE ATTY GENER Potentially negative Date opened XX/XX/XXXX Balance {$2700.00} Status Open. {$2700.00} past due NEVER LIVED HERE XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX  XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type NOT MY PHONE NUMBERS ( XXXX ) XXXX Cellular ( XXXX ) XXXX NOT MY NAMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOT MY WORK PLACE XXXX XXXX XXXX XXXX XXXX XXXX NOT MY INQURIES XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX
Product: Debt collection

When I contacted IC System Inc requesting debt validation pursuant to The Fair Credit Reporting Act and The Fair Debt Collection Practices act, they refused to validate the debt.
Product: Credit reporting

When I disputed this issue with the credit reporting agency XXXX creditor did the right thing but XXXX creditor continued with their sneaky way of reporting incorrect information. XXXX XXXX XXXX Card continues to report a credit card that was 'charged off ' in XX/XX/XXXX as 'open ' and the balance due as {$430.00} on my credit report. Which looks as if I am using XXXX % of my credit because the high balance that the card held was {$250.00}. I have contacted them and Experian but they investigated and XXXX XXXX corrected the account status at the time and now has since changed it back to an 'open ' status instead of 'charged off/closed '. 
2.They also keep changing the dates of the charge off. XXXX credit report has XX/XX/XXXX and the most recent says XX/XX/XXXX. 
3.They have also changed my last payment date to XX/XX/XXXX when it was really XX/XX/XXXX. ( this is XXXX way to verify the unfair information being reported. Request a copy of my 'so called ' last payment that they are reporting I made in XX/XX/XXXX ) 4.Finally. they have changed the account number in order to keep it on the report undetected as an old account past it 's seven year period of reporting. 
The credit reporting agencies disputes are not getting the job done. They just take the companies ' word and they do not request documents to verify what they are reporting. 
*I do not mind at all paying the bills that I owe however, according to the Fair Reporting Act, this company is not playing fair at all. Their tactics are sneaky and underhanded, not to mention, breaking the law. I just want other consumers to be aware of this bank 's unfair practices and for them to be stopped. 

Thanks for your time and consideration in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$2000.00}, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Please remove wrong name, wrong address, and third party collection that I don't recall signing up for.Thk you
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to CoreLogic requesting that a security freeze be placed on my account and to opt out of marketing products and services along with demanding that they not resell my information without my permission. With all of the fraud that is going on in the world selling my personal information without my knowledge and permission is unethical and against my right to privacy pursuant to federal law. I will be sending another letter demanding that they rectify the issue. If the issue is not rectified within 30 days, I will have no choice but to file suit in court. I sent a notarized letter along with a picture of my Passport, and a Bank Statement reflecting my identity and who I am. STOP PLAYING GAMES and Grant my request. Federal law requires them to comply. They are a consumer reporting agency. I could care less what they do. I did not ask them what their daily duties were. This isn't an interview for a job. The demand has been made. The next step is a lawsuit.
Product: Credit reporting or other personal consumer reports

I have disputed with XXXX XXXX and experian and XXXX XXXX. My negative account for a credit card I paid in full and closed is still negatively impacting my XXXX XXXX even though its been over 10 years
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Money transfer, virtual currency, or money service

I had what I thought was my friend selling some items to me so I sent whom I thought was my friend the money through XXXX. She even sent me a copy of her drivers license so I could pick the items up just to find out it was never her at all. When I contacted Truist and XXXX they said there was no guarantee I would get the money back even though I had been tricked to think it was my friend I was sending the money to. Not only did they take my money but they have my friends personal information too. Claim # XXXX but said Im not protected to get my money back even though these people were impersonators.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Debt collection

We have repeatedly for months received phone calls from XXXX XXXX XXXX x XXXX regarding debt collection. I returned the call the first time they called and found out they were looking for a person not associated with us or our phone number. I was assured we would be removed from the calling list. This happened again, again I was assured we would be off the list. We are receiving continual calls. I called them back today, they claimed to have nothing on file with our request - a lie on their part. The name of this firm is National Enterprise System. This company can not seem to understand that the person they are looking for has no tie to us.
Product: Money transfer, virtual currency, or money service

XXXX, XXXXXXXX XXXX  XXXX allowed someone to swap my sim card. An unauthorized user had access to my number for XXXX hours and was able to change passwords and log on to my Coinbase account and steal XXXX XXXX XXXX. I had insurance that i paid for every month since it was offered on an upgraded Coinbase account. Coinbase did an investigation and concluded that someone did gain access to my account and steal XXXX XXXX XXXX. They said my insurance i paid for every month did not cover the theft and did not tell me why. I lost my family 's life savings and Coinbase refused to reimburse me for the theft even though i had insurance to cover it.
Product: Checking or savings account

I opened cash app to deposit money and was given a message that my account had been closed for using crypto funds from cash app for online gambling. I have never transfered any funds from Cash app to any online casino account. I have sent crypto currency purchased on cash app to my own personal crypto currency wallet. I have attempted to speak with support and no one gets on to speak with me.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditorXXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
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 card or prepaid card

I applied for an American Express Delta SkyMiles through a solicitation I received as a result of being an existing SkyMiles participant. I received email notification within minutes stating my application was declined " because American Express cancelled ( my ) previous account ''. I do not recall having an American Express account. The declination letter also stated I could contact AMEX customer service, which I did. The agent that I spoke with advised me that she could not locate any prior account in my name and was unsure why I would be declined for an account. I asked if I had perhaps been an authorized user on someone else 's account and was told there was no record of that either. I have very good credit and have never been declined for a credit card, car loan or mortgage loan. I would like someone at AMEX to  review my application and inform me in more detail the reason it was declined.
Product: Credit reporting, credit repair services, or other personal consumer reports

DIVERSIFIED CONSULTANT is illegally adding on collection fees that I did not agree to pay. They are claiming that I owe {$390.00} for a past due cable bill. This is inaccurate. I have no knowledge of this account. they need to provide proof of the original contract as well as proof that I agreed to pay collection fees. Also provide state ID/license that was used to verify my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested inaccurate information be removed from my credit reports and it still hasn't happened in over a year if waiting. As a result of fraudulent activity on my credit profile I am placed fraud alerts and/or security freezes on my credit profile with all 3 credit reporting agencies. As a result I am unable to obtain credit and now can't even get the freezes/alerts removed from my credit profile along with names and/or addresses that should not be associated with my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX and XXXX Accounts account # 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

I submitted an application with TD bank back in  XXXX   XXXX  and never openned the account never funded nor even activated the debit card. I then saw a promotional rate to receive {$150.00} for being a new client after depositting {$500.00} within the first 60 days of openning the account. Minding I had the application from  XXXX  i called customer service and asked if I qualified and gave them my information as well as explained my situation stated above. I was told by a  TD bank associate their was no issue and I qualified for the promotion. I have called 3 times  about the promotion and no one has brought up an issue until today Wednesday    XXXX   XXXX   XXXX   . My call eneded with a supervisor by the name of  XXXX  today  XXXX / XXXX / XXXX  at approximately   XXXX   XXXX   telling me I did not qualify for the promotion due to having a profile in their system from  XXXX  and was advised by her to walk into a branch to fix the issue. I walked into a branch today Approximately at    XXXX   XXXX    on the location on  XXXX   XXXX  and  XXXX   XXXX  in  XXXX . I was then advised by an employee by the name of  XXXX   XXXX  ( might be misspelling name ) that this was incorrect information due to my account being openned online which was known by every associate " assisting me '' and that " the customer service center is know for giving customers incorrect information '' this is sad and wrong. I want either all my fees returned for having the account open or I want my  XXXX  misleading bank and associates.. bunch if crooks
Product: Debt collection

In XX/XX/2023 it was brought to my attention that a collection account had been reported to the credit bureaus that I had no knowledge of. I contacted XXXX XXXXXXXX XXXX  on XX/XX/2023 to report the obvious mistake. The representative informed me that they suspected that the auto insurance policy was fraudulent and subsequently cancelled the policy. Despite having knowledge of suspected fraud, XXXX XXXX XXXX proceeded with their collection efforts. The representative advised me to send an email containing evidence of my auto insurance policy with another agency during the disputed time period and assured me that the mistake/fraud would be corrected. 

I sent the email and the documentation on XX/XX/2023. I called again on XX/XX/2023 and was informed by XXXX XXXX XXXX that no action had been taken to remedy their error. I have disputed the account with the credit bureaus on multiple occasions to no avail. The collection agency [ CCCS ] has not responded to my phone calls and they continue to report the negative filing despite the suspicion of fraud by XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Taught this case with this company fully closed with complaint I have made please see case XXXX XXXX. 
Today I am very disappointed to receive this letter again. The company didn't even pay XXXX XXXX  as it was suggested. Now TD bank tries to reclaim money from me. I have closed my account with TD bankXXXX and didnt owe any money. Please see previous complaint. Please review letter sent by company dated and thier plan after XX/XX/XXXX, XXXX is so annoying and deserve relief to thirr false claim. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX