23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I've noticed that my credit score has taken a huge hit due to several fraudulent accounts being reported under my name. These accounts were opened without my knowledge or permission, and it's seriously affecting my financial standing. I've already filed a report with the FTC ( which is attached ), confirming that this is a case of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under

15 USC 1681. The letters are stated with items and issues. 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 tha

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

In accordance with the fair credit reporting act XXXX Department of education/XXXX XXXX XXXX Has Violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 also states a consumer reporting agency can not Furnish a account without my written instructions.
Product: Student loan

About a year ago my repayment agreement expired ( I was unaware, however it was my fault due to simply not paying attention ). My husband and I both have student loans with XXXX XXXXXXXX XXXX and we were both paying XXXX ( roughly ) a month, so around XXXX on a pay as you earn plan. So we reapplied on line and, with exactly the same financial info, the payments turned into around XXXX EACH a month - not doable. He finally got his worked out to XXXX a month but, using the SAME information, mine jumped to XXXX a month. First off, there is no way our amounts should be this vastly different. Secondly, I have tried NUMEROUS times to resolve this. When I did get through ( impossible to get hold of ), they sent me NEW paperwork ( said it was the right paperwork and what I had before was wrong ), which they then sent a response saying it wasn't time to renew. Then I signed the paperwork saying to recalculate anyways and the payments jumped to XXXX!!!!!!!! I've been trying for 8 months to get my payments doable. I am trying to pay back my loan, but they are only open the hours I am at work and the hold time is at least 20-30 minutes and THEN they transfer you to another department for ANOTHER 20-30 minutes ALL THE TIME!!! I need help ... desperately.
Product: Credit reporting, credit repair services, or other personal consumer reports

enclosed are the documents to prove the FCRA violations done.

wrong, names, addresses The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. The statute 's stated purposes are : to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information 's accuracy. The Act creates guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. It is sometimes used in conjunction with the Fair Credit Reporting Act.

with all the incorrect information how could i actually have a fair opportunity to even see any of the debt or violations ... ...

FCRA laws Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. Together with the Fair Debt Collection Practices Act, the FCRA forms the foundation of consumer rights law in the United States.

so please remove all the accounts see attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

Numerous inquiries were added to my credit report without my consent.
Product: Credit card

I've consistently made sure payments are made promptly on this account, never allowing them to become overdue. I'm uncertain as to why there are reports of late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX is reporting a debt to my credit that is no longer valid. This account is past the Statue of Limitations in Utah and I no longer owe this debt. I would like it removed off of my credit report immediately.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX XXXX XXXX Subject : Comprehensive Complaint Against Truist Bank for Chronic Financial Mismanagement and Regulatory Violations Dear Office of the Comptroller of the Currency, I am submitting a formal complaint against Truist Bank for a series of ongoing financial mismanagement incidents and unethical banking practices spanning from XX/XX/XXXX to the present. These issues have significantly impacted my financial stability and have been repeatedly mishandled by the bank. 

Detailed Account of Issues : Persistent Issues - XX/XX/XXXX to XX/XX/XXXX : Repeated Identity Fraud Issues : Truist failed to resolve or appropriately address multiple incidents of identity fraud that affected my accounts, despite numerous complaints and requests for action. 
Misleading Communications : During this period, Truist frequently provided misleading information about the status and resolution of these fraud cases. 

Improper Financial Handling - XX/XX/XXXX : Unauthorized Financial Actions : Truist prematurely withdrew funds for a Cash Reserve service, XXXX days before the due date and without the XXXX notice promised in their policy. 

XXXX Transaction Dispute - XX/XX/XXXX : Mismanagement of XXXX Dispute : After a client dishonestly disputed a XXXX payment, Truist did not alert me or handle the dispute appropriately, causing significant financial and operational disruptions. 

Refund Mishandling - XX/XX/XXXX : Debit Card Deactivation and Refund Issue ( XX/XX/XXXX ) : Instructed not to deactivate my debit card pending an XXXX refund, Truist did so anyway on XX/XX/XXXX, causing {$1800.00} to go into limbo. 

Customer Service Failures- XXXX to XX/XX/XXXX : False Assurances and Delay Tactics : Truist provided multiple false statements regarding the refund processing and timelines, which led to a prolonged resolution process and added financial distress. 

Request for Action : Comprehensive Investigation : I urge the CFPB to conduct a thorough investigation into these repeated failures and potential violations of banking regulations by Truist Bank. 
Immediate Rectification : I seek prompt corrective actions and the enforcement of consumer protection laws to address these ongoing issues. 

Enclosed are all pertinent communications, transaction records, and evidence of the mishandled actions as supporting documentation for this complaint. 

Thank you for your attention to this serious matter. I look forward to your prompt response and assistance. 

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

On XX/XX/22 I received a bank card I had not applied for from XXXX XXXX. On XX/XX/22 my XXXX XXXX sent me an alert informing my SS was found on the dark web. On XX/XX/22 XXXX XXXX sent a text asking that I approve a payment. I did not make any purchases with a XXXX XXXX card. It became clear to me my identify was being used by someone. XXXX.
Product: Credit reporting or other personal consumer reports

The balance for my total card is incorrect for account ending in XXXX
Product: Debt collection

Got a collection account on my credit for XXXX that I have no knowledge of and did not authorize. The account is not mine.
Product: Credit card or prepaid card

My XXXX XXXX Credit card was closed for years, I went to purchase an item and the cashier said I could use it, even though she never said it was closed. So I charged the item and then paid for it but got charged a late fee and interested. I called the company, they said IF the card wasn't closed, they would have been able to wave the fee, but since its a closed account, they could NOT wave the fee. That made no sense to me! If I was able to use the card, that the cashier was able to charge something to that card, then why would they NOT be able to go in and wave the fee? 
Now I paid that fee but keep getting more bills with more fees. So now I am out {$25.00} and now the current charge is {$25.00}. This is adding up to be more then the item I originally purchased. 
So I am looking for a reimbursement of the original fee I paid, it can be in a check or even a store credit. But if I don't pay this next bill I could be sent to collections and I don't want to hurt my credit score any more then I already have with the fees on this card! 
Spoke with first XXXX XXXX then XXXX then Supervisor XXXX XXXX of Fees X 3 of {$25.00} each = {$75.00} XXXX and XXXX and XX/XX/2018 statements Also spoke with XXXX at XXXX XXXX XXXX
Product: Debt collection

I have been trying to get this off my credit report, if I owed a small amount of {$56.00}, I would of paid it a long time ago! But I do not owe this, I received a letter and called to see what this was about and it is about a school ring. I have been out of college for 55 years and I never bought a school ring. I told them this is not mine! And I want it off my credit history! I do not know how my name got to them and why they think I at my age purchased a school ring!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently paid off my XXXX account, I found they have reported a delinquent payment on this closed account to the three credit buearus. I have never been delinquent on this account.
Product: Student loan

My student loans were previously at XXXX, but then transferred to Mohela. I sent a message regarding this to Mohela on XX/XX/XXXX, and still have not heard any response. 

In summary, the listed payment due on Mohela XX/XX/XXXX and the billing statement sent to me on XX/XX/XXXX is WRONG. It listed payment due of {$4800.00} - ( which looks like it was calculated based on standard 10 year repayment program ) Even though I am enrolled in XXXX, which then was switched to SAVE. 

I had recertified my income on XX/XX/XXXX while my loans were with XXXX- even though I was not required to recertify from ( XXXX - XXXX ) given federal pause. Meaning I am still in income driven repayment plan and up-to-date with recertification guidelines. And have a documentation from XXXX and US Department of Education that my payments should be {$0.00} based on income, and have upload this document to my Mohela account. Despite this, there has been XXXX communication and updates to my account. 

Mohela needs to update my monthly payment in their system, and not charge any unpaid interest due to SAVE program guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. Experian must validate this account in line with sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct erroneous reporting in my file listed on my credit report : XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, 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 this account. Actually I am not sure that the account is even mine though your company claims to have verified this. 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 creditor/CA 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services, LLC XXXX. XXXX XXXX XXXX, GA XXXX Two of my XXXX XXXX credit card accounts are not reporting on Equifax. They were reporting until XXXX of XXXX  and then they were not on their anymore. I have wrote a letter to XXXX XXXX and Equifax saying these accounts were not showing. I also sent in bank statements to both of them. 

Equifax sent me a letter back saying " The results of the investigation were the disputed items are not reporting on the Equifax credit file. '' But that was the whole point of sending the letter to inform them of that it wasn't. So they clearly did not read the letter or look at the bank statements. 

I called them to tell them about this issue and they told me to wait because they are still investigating. That was in XX/XX/2019 and still haven't responded. I tried to call this afternoon ( XX/XX/2019 ) and was repeatedly disconnected through their automated system. 

I also called XXXX XXXX and said it is on the Equifax because they are doing their part on their end. I also have a letter from them
Product: Credit card

I closed all of my Bank of America accounts, due to a large amount of high cost fees. When it came time to close my Bank XXXX XXXX, I contacted them and informed them that I intended to close the account and requested the pay off amount. On XXXX XXXX, they cleared a payment of {$3700.00}. That amount gave me a credit of {$1.00}. I contacted the bank again, I was told that the account needed to be at {$0.00}. I requested that the credit be sent to me and I was told that my account was now at {$0.00} and therefore I requested for it to be closed. The following month I receive an email notification for a balance of {$35.00} on my account. I contact the bank and I am now told that the account was never at {$0.00} and I never paid the amount in full. After an hour going back and forth, I relented and paid the {$35.00}. I was once again told that I was at {$0.00} and the account was closed.
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$9500.00} XXXX XXXX Balance : {$990.00} XXXX XX/XX/2023 XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/2024 Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Complaint for Defamation and Violation of Consumer Rights Dear CFPB Representatives : I am writing to you to file a formal complaint against Cash App for defamation and damage to my reputation as a consumer, in connection with unfounded allegations of fraudulent activity or fraud. These claims are not only unsubstantiated but also violate my rights protected by various federal and state laws. 

Facts of the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX received a notification from Cash App indicating that my account was associated with fraudulent activities. 
These allegations are false, and no clear evidence or fair process has been provided to defend me or clarify the situation. 

This action has caused damage to my reputation and has negatively affected my ability to make legitimate transactions through the platform. 

Consumer Protection and Truth in Information Act : Under the Fair Credit Reporting Act ( FCRA ), any entity that handles consumer information is required to ensure that the data shared is accurate, truthful, and not misleading. ( XXXX XXXX. XXXX ). 

Suppose Cash App reported incorrect information to a credit bureau or third party. In that case, this is a direct violation of the FCRA, and I am within my rights to demand that such information be corrected immediately. 

I am being defamed when someone sends money to me and the sender is canceled or the payment is returned by telling them that my account is associated with a scammer. And these laws protect me. 

XXXX. XXXX against XXXX and XXXX : According to state laws ( Florida XXXX XXXX, for example ), any false statement, accusation or information distributed that damages an individual 's reputation constitutes defamation per XXXX. These laws directly protect consumers from false accusations, especially if they affect their reputation and economic life. 

XXXX. XXXX XXXX XXXX XXXX and Consumer Protection Act : Under section XXXX of the Dodd-Frank Act ( XXXX U.S.C. XXXX ), unfair, deceptive or abusive practices in financial services are prohibited. Cash App 's actions in defaming me are a clear violation of this law.
Product: Credit reporting or other personal consumer reports

I want reported accounts to be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX  Account Number : XXXX
Product: Debt collection

Sent a letter to collect {$1300.00} for magazine subscriptions that I did not agree to buy. 

this is a fraudulent company collecting a debt from another fraudulent company XXXX XXXX
Product: Credit reporting or other personal consumer reports

In according with the fair Credit Reporting Act XXXX  Account # XXXX ( XXXX XXXX XXXX XXXX ) has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furbish an account without my written instructions.
Product: Debt collection

Hello my name is XXXX i have a joint account with my friend. An agent told me that my account was closed and I do n't need to worry about any payments. Please let me know what I have to do because its effecting my credit!!! HELP ME PLEASE ACCONT NUMBER IS : XXXX - and there is a XXXX you can reach h me at my cell ( XXXX ) XXXX Thank you,
Product: Money transfer, virtual currency, or money service

This is our last attempt to resolve this issue with Square after several attempts by contacting them directly, filling XXXX  complaint and also a previous complaint with CFPB, but Square has failed to address and resolve the issue yet. 

We have both accounts that is affected and we also have filled several complaints on that account as well. 


To clarify, THIS IS NOT A COMPLAINT ABOUT SQUARE DEACTIVATED OUR ACCOUNTS. THE ISSUE IS THE MONEY THAT WAS ON THE ACCOUNT AND BECAME AVAILABLE TO WITHDRAW AFTER A 90 DAYS HOLD, ITS BEEN TRANSFERED OUT OF OUR SQUARE ACCOUNT FRAUDUNETLY IN SEVERAL UNAUTHORIZE BANK ACCOUNTS. 

someone somehow access the account, added their back accounts and transfere the entire money on the account fraudulently. 

When I logged in to my Square account after 90 days hold on the funds, the balance showed up at {$0.00} and after checking the account history, I found that all the money on the account has been withdrawn out of the account frauduntly. 

The entire transfers needs to be immidietly reverse back to my Square account so I can transfer it to my own bank account. The total account of all the frauduent transfers are over XXXX dollar. 
Also Square mentioned in their previous response that due to sensitive nature of banking information, we have to contact them to verify those information which we tried several times but they weren't helpful at all over the phone, nor via email. Also as I have mentioned, the entire transfers out of the account is done fraudulently and there is no bank account that is added on the account is authorized by me and the entire transfers, needs to be reverse back to the account totaling over XXXX dollar and there is no need to verify any sensitive information. All the transfers out of the account needs to be reversed. 


I have made several attempts but Square seem like not trying to resolve the issue and this is my last attempt before I file a legal case or arbitration and will use all Square responses to these complaints as an evidence.
Product: Credit card

I was charged {$5800.00} in ATM FEES for withdrawing {$72000.00} by the ATM owner for doing a cash advance using my credit card.
Product: Credit reporting or other personal consumer reports

The company never have gave me any validation of any of the debt.. disputes supposed to be 30 days ..when I dispute it come back in 2 days
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, 2017 sent by wire transfer $XXXXX to Coinbase's bank, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX.

I printed the Deposit USD form with all the appropriate information, took it to my banks so that they could perform the wire transfer. I have this form in my possession as well as receipt from the bank documenting the transaction.

I have in my possession the Fed IMAD wire number that documents this transaction. I provided this to Coinbase.

My legal name on the bank account matches my legal name given to Coinbase.

In Coinbase's instructions on their website, I was assured that this was the fastest way to fund my account and that funds would be credited when received.

Four days later, after numerous attempts to contact their Customer Service department by their web form and by telephone call, the only information that I can get is that my case has been "escalated" and that I should here from a "specialist" in the coming WEEKS! Yes, weeks.

The following information is currently posted on their Customer Service page in reference to my issue:

"XXXX XXXX