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

I am filing a complaint against cash app ( Block , Inc. ) due to inadequate customer service, and unfair practice, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Experian was asked to check for proper procedure used in placing net credit placing late payment 's on credit when the first pay missed was marked 120-180 days late which is incorrect. Incorrect information on the credit report should be deleted from the report if incorrect according 15 usc 1679c. I was denied credit because of this and asked experian to look into this and the investigation came back verified when an complete investigation was never made.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am seeking assistance from CFPB regarding my Credit that has been destroyed in the last year. I traveled overseas on XX/XX/2017 and returned last month to the USA. After i realized i couldn't locate my personal belongings. Then i checked my credit card accounts online and realized everything was maxed out. i ran a credit check on Annual credit report and realized all my accounts were charged off or gone to debt collection. I am unable to do anything due to this issue. I have kept all my finances in order before i left USA and i have reason to believe someone has used my information or actual cards. 

Debt reported : Bank of America - {$3000.00} XXXX XXXX - {$6100.00} XXXX XXXX - {$8800.00} XXXX XXXX - {$4600.00} XXXX XXXX - {$3700.00} XXXX XXXX - {$3200.00} XXXX - {$13000.00} XXXX XXXX - {$6600.00} XXXX XXXX - {$1100.00} XXXX - {$7100.00} The amount is totaling up to {$57000.00} I need immediate assistance to regain my credit and protect my self from identity theft in the future.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was appalled to find serious inaccuracies that should have never been reported. These errors are more than simple mistakesthey are actively harming my creditworthiness and restricting my financial opportunities. I refuse to let misinformation dictate my future and demand an immediate, thorough reinvestigation. 

The following accounts require urgent attention : XXXX - Account # : XXXX - Balance : {$8300.00} XXXXXXXX XXXX - Account # : XXXX - Balance : {$22000.00} XXXX XXXX XXXX - Account # : XXXX - Balance : {$6100.00} Under the Fair Credit Reporting Act ( FCRA ), I have the right to a fully accurate and verifiable credit report. If these disputed accounts can not be substantiated with solid, irrefutable evidence, they must be removed at once. This is not a requestit is a demand for compliance with federal law. Any failure to correct these errors will be considered willful negligence and will not go unchallenged.
Product: Debt collection

Allied Collection Services is reporting on my credit report for XXXX XXXX ( a payday loan company ). In the state of Arizona pay day loans are illegal. I 've contacted Allied and ask for the original indebtedness of said account to no response. This is against the law for this company to continue to report false information according to the FCRA. I also did n't find that this company has a valid License, Bond, and Certificate of Authority in the state of Arizona.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX, FL XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7400.00} - Chargeoff XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Chargeoff XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Chargeoff XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$880.00} - Chargeoff XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$17000.00} - Chargeoff XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$15000.00} - Chargeoff XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Chargeoff XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Chargeoff XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$13000.00} - Chargeoff
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submission, Equifax continuously responds within 24 hours stating the account is factual, without providing and evidence of a throughout investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts I have reported multiple times : XXXX opened on XX/XX/year> for the amount of {$3100.00} and high balance of {$17000.00} and XXXX XXXX opened on XX/XX/year>.
Product: Vehicle loan or lease

Honda finance illegally repossessed my vehicle I had to pay XXXX to get it back and could not understand the bill but paid it anyway. The bill consist of multiple XXXX XXXX under my vin however the vehicles in the photo were not mine. This caused me a hardship on my bills and they refused to hear me or fix it. Two months after I got the car I ended up in repossession again with XXXX on bill. Again not understanding why the bill was so high. I decided to not get the car back and allow them sell it since they would not help me or fix these mistakes causing me billing issues. I allowed them to sell the car in XX/XX/XXXX. However today is XX/XX/XXXX and the company honda finance is still continuing to bill me. I am still receiving bills as if I have a contract with them and XXXX XXXX as though someone is riding around with the vehicle still and I can not understand why. When I call them they say I have an account with them but I do not. Honda wanted to buy my lease back and I refused to do they created a hardship on my account to the point I could not afford the bill. Even after I let the car go they are still billing me affecting my license now I would like to send my evidence and sue them in court. I have enough evidence now to say they purposely caused me financial hardship because they wanted their leased vehicles back one way or the other. I can prove this. the evidence is overwhelming there is no way I wont prevail. I begged them to stop and they didnt. Now I will defend my name because my license is all I have. They are wrong. I had a XXXX XXXX. Not any other car why are they billing me other peoples info under my vin. Why am I still receiving bills with honda finance?
Product: Credit card or prepaid card

In XX/XX/2018 I got a letter from XXXX XXXX saying that I needed to update my personal information in my XXXX XXXX XXXX account. 
I promptly went into my online profile and made sure all my addresses and phone numbers were updated. Yesterday XX/XX/2018 I received a final letter stating they had closed my account! My XXXX XXXX XXXX acct through XXXX was closed because I had my XXXX XXXX listed on the acct and they wanted a physical address. The letters from XXXX where not clear or specific in what they needed so i thought i had properly updated my profile. I didn't know they were demanding me to add my physical address to the acct. That is what the XXXX  agent told me on the phone. She also said my acct is in great standing, 10+ years in good standing! I pay early & more than due each month. They say they are protected by the patriot act but I think it's a bogus excuse to close accounts. Something needs to be done! Class action lawsuit?
Product: Payday loan, title loan, or personal loan

Due to extenuating circumstance in my immediate family, I took out a payday high interest loan with Leap Credit {$1000.00}. I now realize these loans are of no benefit to working families. My father was hospitalized from XX/XX/2019 through the end of XX/XX/2019. This loan was taken out to provide needed resources to my mother with massive medical financial constraints of my father 's care. I took out what I thought to be a short term loan with hopes of an early payoff. After a few large direct debits from my bank account I examined my balance and was looking for an early payoff. Thank goodness I reviewed the balance of my account in the online portal. They are fraudently attempting collection against my bank account and refusing to negotiate a payoff. I called Leap Credit on several occasions to request for them to update my loan terms and balance and they refused. Due to the nature of the inaccurate information and Leap Credit 's denial of blanket checks against my bank account ( they do not list their name on the debits ), I requested for my Bank XXXX XXXX to investigate and place a stop payment from this company. See a copy of the ghost bank drafts.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX and XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX Account XXXX
Product: Debt collection

This in regards to Loans XXXX and XXXX I previously requested from NELNET ( in XX/XX/2019 ) and submitted all required financial hardship docs and economic deferment application to NELNET in XX/XX/2019, to which I NEVER RECEIVED a WRITTEN response. I have already made it PERFECTLY clear that I can not economically at this time afford a {$320.00} and {$87.00}, payment due to my current economic status. NELNET has consistently in 2019 refused to work with me and allow me to have a 6 MONTH economic deferment, after which I will be able to resume making payments. If NELNET REFUSES to again work with me by providing me a 6 MONTH DEFERMENT, the two above referenced LOANS WILL GO INTO DEFAULT AND WE CAN DEAL WITH THE PAYMENT ISSUES IN BANKRUPTCY COURT WHERE I WILL AGAIN ADVISE BOTH NELNET, THE TRUSTEE AND THE COURT THAT I CAN NOT ECONOMICALLY AFFORD PAYMENTS AT THIS TIME. This is despite me providing an ECONOMIC DEFERMENT LETTER FROM MY OTHER FEDERAL STUDENT LOAN SERVICER, XXXX, ALREADY PROVIDED ME WITH A 6 MONTH DEFERMENT, the LETTER WHICH WAS SUBMITTED TO NELNET, along with my ECONOMIC DEFERMENT APPLICATION AND FINANCIAL DOCS TO NELNET IN XXXX, AND TO WHICH NELNET HAS NEVER RESPONDED, NOR PROVIDED ME A DENIAL LETTER, BUT SIMPLY HAS CONTINUED TO BILL ME AND ADD LATE FEES TO MY ACCOUNTS. I am ASKING AGAIN for a 6 month Deferment on ALL PAYMENTS on the 2 above-referenced loans, after which, I will again resume making payments on these loans.
Product: Checking or savings account

Hi I closed my checking account with Chime in XX/XX/2022 and I havent yet received my 1099 form for filing taxes yet I have been emailing them endlessly and every time a new customer service representative comes and give the same response that you should have receive the form by XXXX but I havent yet got the document yet I have also provided them my address proof to mail the document asap but again there is no sync with them and they are not able to provide any estimate when I would get my 1099 for tax filing. Very frustrating and bad customer service Hence I request you to help me get my 1099 form asap since deadline is nearing
Product: Credit reporting or other personal consumer reports

Violations of : 1. Reinsertion of Deleted Item : 15 USC 1681i ( 5 ) ( b ) 2. Late Payments : 15 USC 1681 a ( 2Xi ) ; 15 USC 1681 3. Permissible Purpose : 15 USC 1681b 4. Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 5. Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) 6. Verification : 15 USC 1681i ( 7 ) My report reflects fraudulent accounts and inquiries that I did not authorize, leading to a significant decrease in my FICO credit scores. Documentation from XXXX and Equifax confirming my information was compromised in the breach is included with this letter. Following my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I request the immediate removal of these fraudulent accounts and hard inquiries. The circumstances surrounding these debts raise ethical and legal issues, involving fraudulent practices. I would like the following issues on my credit report rectified : Flagship Credit : # XXXX : {$9000.00} : Date Fraud Begun : XXXX XXXX, XXXX XXXX XXXX XXXX : # XXXX : {$2.00} : Date Fraud Begun : XXXX XXXX, XXXX Please investigate this matter and make the necessary corrections to my credit report. I request that you inform me of the outcome of your investigation at your earliest convenience. As I have not provided consent for this debt to be reported, I demand that you cease all reporting of this account to any and all credit reporting agencies. These accounts were created without my knowledge or authorization, and their presence on my credit report is unacceptable. I request written confirmation that these accounts have been removed from my credit report. I demand proof of verification or a copy of the legally binding contract with a wet signature application proving my identity, in addition to a valid drivers license ; this should have been done before authorizing any account. A mere computer-generated printout of this debt is insufficient and constitutes a violation of regulations. Failure to comply with these requests will result in legal actions against your consumer reporting agency, as I am fully aware of my rights under federal law. I am being harassed due to these inaccuracies, and I will not tolerate further violations of my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

The public record / lien that was recorded ( Ref. # XXXX ) does not comply with the rules set forth in the National Consumer Assistance Plan that states that liens must have a full name, address, FULL social security number, and/or date of birth to be included on a credit file. The lien and subsequent lien release recorded does not include all of the required information to be included on my credit report. 

The public record / lien ( Ref. # XXXX ) should not have been filed against me or included in my credit report, as I did not owe the State of Oregon personal income tax for the period ending XXXX XXXX, 2014. I received a personal income tax refund of {$180.00} from the State of Oregon for the year 2014. While the lien has been released, State of Oregon does not do lien withdrawals and is on my credit report.
I have included attachments regarding the liens and tax summary for 2014.
Product: Payday loan, title loan, personal loan, or advance loan

Loan terms Dispute : On XX/XX/year>, I visited Raymour & Flanigan at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, where I spoke with a sales assistant named XXXX XXXX. During our conversation, XXXX XXXX assured me that I would not be required to make any payments for XXXX months on my furniture purchase. Based on that I bought additional items. 
However, XXXX months later, I received a communication from TD Bank stating that I was behind on monthly payments, resulting in finance fees and overdue payment charges. On top of the {$10000.00} for the items I bought. I asked why I had received no bills for XXXX  months. 

Address Discrepancy : The TD Bank representative said that they had sent out bills to XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX  XXXX. I have not lived there for more than XXXX years and did not give that address to the Raymore Flanigan Sales Representative. I used my XXXX  drivers license as proof of my ID and provided the address on my XXXX XXXX license to XXXX XXXX during the purchase process. 
My current address, as reflected on my XXXX drivers license, is XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX. I provided this address and my XXXX  XXXX license to XXXX XXXX during the purchase process. As well as the address that the furniture was delivered to, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX. 
Conclusion : I value transparency and consumer rights, especially in the case of such a large sum of money and I concluded that this is some type of coordinated organized effort involving a coordinated scheme to obtain a profit through an illegal activity. 
This misrepresentation of the terms of the loan and the false investigation by TD Bank constitutes an unfair practice and a misrepresentation of practices, I trust that your office will take appropriate action to rectify the situation. 
Thank you for your attention to this matter, and I look forward to your prompt response.
Product: Debt collection

XXXX XXXX  XXXX XXXX called me numerous times and demanded I pay XXXX to their collections for a Chase Bank account. Placed for collection on XX/XX/XXXX. I never opened a Chase account and I filed bankruptcy in XXXX. I notified XXXX but they said they investigated and said the disputed item was accurate. It is not.I want this removed immediately from my credit report. I also reported this to my local police department and they gave me a report number. They will also look into it for me. I hope someone can help me with this fraudulent activity. I will not call this company because I have anxiety plus other health issues and dont want to end up in the hospital from stress. I never even received any letters or statements from this company showing I owe Chase bank and what its for. There are scammers out there looking to take peoples money but I dont have any money to give. Im going through a financial hardship as it is.
Product: Student loan

On XX/XX/2020 I asked Navient about cash payment that I made to XXXX directly {$9000.00} they told me they had the info and would send me written verification. It never happened. Then they said subsequent times they had no record of that conversation.
Product: Mortgage

PROPERTY ADDRESS : XXXX XXXX Place XXXX XXXX XXXX, WA XXXX ALLEGED ACCOUNT NO. : XXXX FRAUDULENT FORECLOSURE FORECLOSURE Date : XXXX XXXX, XXXX FORECLOSING ENTITY : OCWEN LOAN SERVICING My name is XXXX XXXX and my husband name is XXXX XXXX. We are owners of the property located at above address. 

About three years ago as a result of some serious discrepancies in our mortgage loan payment, we contacted our servicer OCWEN LOAN SERVICING, LLC in order for them to explain their breach of the loan modification terms. We did not receive a prior notice pointing to an up coming amendment to the existing contract. 

We were given the run around. A clear explanation was never provided by the servicer to us. Due to the overwhelming cases of banks committing mortgage frauds all over the nation, we decided to hire a certified private mortgage loan investigator to look into our case for some inconsistencies. Subsequently we stopped making payments to the servicer. We begun demanding the supposed lender copies of important documents, including the complete Deed of Trust and note, which would explain their consumer rights, as well as other rights, including but not limited to, the right to cancel the contract and the XXXX XXXX in XXXX Disclosures. 

OCWEN LOAN SERVICING intentionally failed and/or refused to provide various disclosures that would indicate to us that the contract entered into was void and illegal. For instance, OCWEN LOAN SERVICING failed to disclose that the loan obtained had an interest rate higher than stated and in the preliminary disclosures, which preliminary disclosures were never given. 

Additionally there are several documents in the so-called loan were falsified with fabricated signatures ( Robo signing ). 
We made several requests from OCWEN LOAN SERVICING to validate the alleged debt. No such evidence or proof has been presented, yet they have engaged a foreclosure sale of our property. 

The foreclosure sale is scheduled for XXXX XXXX, XXXX. Please, do not allow OCWEN LOAN SERVICING to sale our property. It will be a fraudulent foreclosure. Please, the foreclosure needs to be stopped as long as the debt is not validated. 



Sincerely, XXXX XXXX and XXXX XXXX XXXXXXXXXXXX
Product: Student loan

On XX/XX/XXXX my husband and I called Nelnet to request an Administrative Forbearance ( AF ), and to inform them that we had filed a complaint with Federal Student Aid ( FSA ), in that Nelnet has failed to follow through on the XXXX law signed by President Biden to allow those of us with Spousal Consolidation ( SC ), loans to be able to separate our loans. XXXX, the Nelnet representative we spoke with, said they had received no direction on how to proceed with an AF for those with SC loans. After being put on hold several times, XXXX responded to us that yes, Nelnet would process our AF request and that the process would be completed by XX/XX/XXXX when our next payment would be due. We provided XXXX with our complaint numbers through FSA, and were assured the AF would be completed without capitalized interest. On XX/XX/XXXX, after noticing no recent activity on the Nelnet website, I called them again, and asked about the status of our request and processed AF. XXXX, and later XXXX, a Resolution Specialist at Nelnet told me that the AF we requested, and told was in process, was not true and we would continue to be billed. The representatives repeated that Nelnet has not received guidance from DOE on how to provide an AF for SC loans. No apologies, no nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

My monthly payment is due on the XXXX every month, I spoke with a representative and they stated the only +30 day late payment they saw was XX/XX/XXXX which I agreed with. I have noticed multiple 30+ day late postings that XXXX has reported to all three credit agencies including recently, XX/XX/XXXX which was in fact not over 30 days late. I have made an effort even with being affected by COVID-19 pandemic to pay my side-by-side financed through XXXX XXXX before being late every month. The customer service representative said I could dispute the negative late payments, which I did with TransUnion and it did not change anything. This is severely affecting my credit and ability to obtain a mortgage loan. Sincerely, XXXX XXXX.