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 practices, which violate 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 Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I see appropriate redress for these violations.
Product: Student loan

My student loans are now affiliated with Aidvantage. I have been trying to make payments on my student loans since XX/XX/2023. Every time I submit a payment I get an email saying it has been confirmed. When I check back 2 or 3 days later. The payment has been reversed and has not left my account. I have to keep making the same payments just for them to be reversed. Advantage states that something is wrong with my card. I have deleted the card from my profile and reentered both the account and routing numbers but the problem persists. On XX/XX/XXXX, I called the company itself and did a phone payment, I hope that works as I have run out of options. If this continues to happen, my student loans might not get paid on time and I will be penalized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the student loan account with XXXX for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

US DEPT  ED XXXX, US DEPT ED XXXX, US DEPT XXXX XXXX, US DEPT ED XXXX XXXX US DEPT ED XXXX and US DEPT ED XXXX
Product: Credit card or prepaid card

Today, XX/XX/2018, I attempted to connect my XXXX XXXX XXXX ( XXXX XXXX ) with a credit card management system. I've been able to connect all my other accounts however XXXXSynchrony is blocking me from enabling this external application. As this is my account, I have the right to access my account details however I wish using my own credentials.
Product: Student loan

I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Efficiency ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ).

2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.

3. My IRS tax transcripts, which were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards. 
Given the severity of this breach and the direct impact on my financial security and privacy, I demand the following corrective actions :
Product: Credit reporting, credit repair services, or other personal consumer reports

there is an incorrect mention in my credit report with Experian experian has been notified FIVE TIMES with PROOF that the item is fraudulent. 

experian has received the proof, including police reports, identify of the perpetrator of the fraud, proof of the fraud. 

experian has REFUSED to remove the mention. the mention is XXXX XXXX XXXX called today XX/XX/2018 and EXPERIAN in a recorded call has 1 ) acknowledged receipt of the FIVE times proof was sent, 2 ) admitted that it wont fix the fraud
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TRANSUNION for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, TRANSUNION consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, TRANSUNIONs 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. XXXX ) against them for similar violations. I request that the CFPB take action to ensure TRANSUNION complies with federal law and provides consumers with the necessary proof of investigation. 


REPORTED ACCOUNTS : XXXX 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

I'm a victim of Identity theft. I have fraudulent accounts on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts must be removed from my credit report. 
Please see my identity theft report and documents in the attachments.
Product: Vehicle loan or lease

I have been trying to pay off my car for a while. I was late for about a year. So I set up a payment plan. I allowed the creditors to take {$270.00} every two weeks. My starting balance was approximately {$7000.00}. I have been paying these fees since XX/XX/year> consecutively. My balance is still currently {$7000.00}. I called to find out why and to request a payment invoice. I have never received anything. My car was repossessed in XXXX and the people that took my care had it for approximately 15 hours and my debit card was stolen and used and the creditors refused to follow up on it. I am just trying to resolve the debit without extra fees. I was told the daily interest is what I am paying. Meaning I will never pay my car off unless its in lump sum. The balance should be moving but its not.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : Account Name : XXXX XXXX XXXX  Original Creditor : XXXX XXXX ) Account Number : 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 an account without my written instructions.
Product: Debt or credit management

I was charged up front fees and I paid for a service which never yielded any results. I stayed on the program and never saw any changes even though I was paying a very high price for the service.
Product: Credit card or prepaid card

Hello. 

This complaint is against Citi. 
I have a XXXX credit card with Citi. 
Last night, I noticed that they have been taking money out of my checking account without my authorization or consent. 
Specifically, they have taken {$400.00}, {$470.00}, and {$590.00} in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
I called and asked them to return the money to my account because I have never authorized them to withdrawal money from my account. 
First, they claimed that I have enrolled in an automatic withdrawal program which I have never done, and they have no evidence showing that I did. 
So, they refuse to put the money back into my checking account and claim that they have taken the monthly payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Unfortunately, I do not have the money to hire an attorney and need your help. 

XXXX, XXXX XXXX XXXX ( Cell )
Product: Debt collection

Portfolio XXXX did not address that the debt owed to XXXX XXXX was charged off on XX/XX/XXXX. Florida law has a 5 year statue of limitation. Portfolio XXXX did not state this in their response. The first time that Portfolio XXXX contacted me was XXXX of XXXX. That is 8 years after the debt was written off.
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. 

XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX , XXXX : # XXXX, XXXX XXXX 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 furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This man, XXXX XXXX of Contract Resolve Group LLC has conveyed all my business to an employee of my company. He has made threatening telephone calls and emails to my landlord, the City Health Department, and continues to place telephone calls and texts to me after being told numerous times not to contact me. He is abrasive and goes out of his way to contact external parties to taint my business relationship ( s ).
Product: Credit reporting or other personal consumer reports

I monitor my credit report via the Experian XXXX. I can also see the reports from the other XXXX credit reporting agencies. I noticed a few months ago that Experian has 1 ) added an additional open student loan from XXXX XXXX for {$23000.00} that does not exist, I never borrowed that amount and 2 ) combined my XXXX  and XXXX  student loans to equal {$51000.00} ( the total is correct but from what I understand they are not allowed to combine the XXXX types of loans, they must be listed separately ). 
The student loan amount of {$23000.00} is NOT listed on XXXX or XXXX, which is correct. 
I disputed it twice online with Experian and they informed me that XXXX XXXX confirmed the loan and they would not remove it from my report. 
I called XXXX XXXX for clarification and I was informed that they have been seeing this problem with Experian for a while now and that numerous people have called to report the same thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company has been reporting account and does not reply to any of my inquiries.
Product: Checking or savings account

I deposited a cheque worth XXXX, which I received from my housing community as a security deposit refund. Chase bank is asking me to verify the cheque with the maker of the cheque. My housing community has policy to communicate via mails or written communications and Chase Bank has policy to only speak over the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

have been getting calls saying that i owe a debt I recently filed for Identity Theft and wasn't able to add all the accounts on the Identity theft report but I have # XXXX accounts here that are under Identity theft that I wasn't able to add # XXXX, # XXXX, # XXXX. I would like them off my credit report and would like for this company to stop exposing any private information that it has of mine. I have no contract with this company and no dealings at all ( 15 usc 1692 )
Product: Debt collection

In the past I had an Elder Beerman credit card which I have not used since XX/XX/XXXX. Bonton took over the company. 
Between XX/XX/XXXX and XX/XX/XXXX I worked with a debt settlement company. The last thing I remember about paying a bill to you was sending a check and it was returned to me in the mail. I also tried to do an online payment and it didnt work. I didn't pursue it and my work moved to a different state. I also never received bills from you. 9 years later I received calls from a collection agency that wanted me to settle with cash or they would serve me legal court documents. They say they had served me papers which I never received. They called my office and even talked to my employees. They never sent me anything in writing. I didnt respond because their number was reported as a scam. 
Forward now to XX/XX/XXXX I now live in another state due to work. Another collection agency called my son who lives in another state and said that I needed to contact them or they would make a decision without me. I called yesterday and they said they sent me papers 38 days ago, which I never received, and they decided to be gracious and give me 24 hours to respond to an email. The email was asking for a settlement amount and I had to pay all with a credit card. They gave me no other options and called today saying my 24 hours was up. How am I supposed to know if they truly represent you and that they are not a scam? 
The last time I used my card was in XX/XX/XXXX, 14 years ago. 
In XX/XX/XXXX I tried to send your company an email regard this but received no response.
Product: Credit card

I no longer have this acount but khols company has not totally closed this account they are still reporting a bunch of missed payments on my credit report on a store credit card that i no longer has.
Product: Credit card or prepaid card

In XX/XX/2021 there was attempted fraud on my bank account, so I had to close it and I opened a new account with the same bank. The bank honored my auto payment obligations while I notified the credit cards of the changes in my account number. I evidently neglected to notify Care Credit of the change. When I received a call on XX/XX/2021 notifying me that my auto payment didnt go through, I gave them my new banking account information and made the payment of the full amount ( {$1300.00} ) using my new debit card. 
Somehow, Care Credit claimed they didnt receive my payment although my bank account showed they did. They required that I prove it, and I did. I sent them a fax with the form my bank gave me to prove payment. They acknowledged their mistake and I thought that was over. Then, my next payment of {$1400.00} did not go through and I called to see why. The agent had transposed the numbers in my bank account, so the payment didn't go through. I corrected their mistake and had them read it back to me to make sure they had it correct. Then they processed my payment. 
I tried to use my Sams Club credit card and it was declined. I had already seen that my Care Credit card had been canceled and I thought the agent had misunderstood me and cancelled it in error. I was told that the Sams Club card was cancelled due to fraud on the account.

My Care Credit statement showed interest charges and a late fee on it. I called and they reversed these charges. But, they told me my card had been canceled due to attempting to pay with a closed account. I have always paid my balances on time. I have done quite a lot of business with Sams Club and Care Credit. I have spent hours on the phone with my bank, with Care Credit reps and having to fax a document to prove your company mishandled the funds they collected on XX/XX/2021. 
It turns out Synchrony also handled my Lowes credit card. So they cancelled all three of my accounts. The reason was : dishonored payments on accounts with Synchrony Bank. So, I lost all my reward points on my Sam 's and Care Credit cards. This caused a financial loss. 
I have already sent them a letter dated XX/XX/2021 requesting they correct their error. Today I was read a statement they issued and filed with my account dated XX/XX/2021 that they stand my their decision. I imagine I will get a copy of this letter from them stating this.

I called to confirm they have the correct banking information for my final payment to Care Credit, but I am nervous that it will get mishandled again.
Product: Checking or savings account

They charged my acct XXXX 2 times on XX/XX/XXXX and they stares its a mistake in thier end and I have over XXXX dollars in the bank. They told me they will get my acct in order it is escalated. I have been calling XXXX my acct is in the negative XXXX Bcz of these charges they have debited I have no access to my money. Each day I call they say they dont know when I will get my money from my paycheck but they do see it is an error on their end. In the meantime my lights are out my car is repossessed and I am about to loose my job because I work from home. I dont know what else to do but call them everyday and they refuse to give me my money so I can pay my bills XXXX if 2 mistakes that have made
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires note mine 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 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 XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until 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 XXXXXXXX XXXX Inquired XXXX XX/XX/XXXX On record untiXXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX 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 FCRA violations : accounts not mine XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3900.00} Status Account charged off. {$3900.00} written off. {$3900.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$440.00} written of XXXX XXXX XXXX. 
Potentially negative Date opened XX/XX/XXXX Balance {$180.00} Status Collection account. {$18.00} XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1500.00} Status Account charged off. {$1100.00} written off. {$1500.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$420.00} Status Collection account. {$420.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$410.00} Status Collection account. {$410.00} past due as of XX/XX/XXXX. 
OFFICE OF THE ATTY GENER Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Open. 

FCRA violations : payments never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$19000.00} Status Open. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed.
Product: Credit card or prepaid card

In XX/XX/ 2022, capital one allowed a construction company by the name of nature stone to charge {$2000.00} on to my card that was not approved. The company was waiting on approval of the owner of the house to be able to go ahead with the construction. Nature stone falsely sent a contract that was never signed to the capital one. When I stated I never approved or signed a contract yet they sided with nature stone. The contracted they sent to capital one was not signed. The owner of the house dude to this did not approve of the nature stone to do any work on their house. Natures stone took a picture of my state ID and a copy of my credit card incase the owner approved and we were going to move forward but stated nothing will be charged or any contracts signed until I talked to the owner of the house. The information was relayed to capital one and said it was out of their hands. I faxed the company proof this was not my house bc I could not sign for construction due to it not being my house.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I received an alert about an account being reported by XXXX XXXX. Please be advised I have requested validation { not verification } of an item reported to Equifax, XXXX and XXXX by XXXX XXXX. I have received a response that clearly violates my rights according to the HIPAA Act of 1996 AND I never received notice how to dispute the debt. Additionally, XXXX XXXX did NOT provide me a HIPPA release for my medical information, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against XXXX XXXX should this item not be deleted within the required time allowed by law. XXXX XXXX is in direct violation of HIPAA regulations, and they are facing fines up to {$10000.00}, even possible jail time. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation as well. I urge you to take this extremely seriously as I have documented my case without error. I encourage a removal of the reported information expeditiously as I have no idea where this debt is coming from and I do not owe this company any money.
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 have verified these. As in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX
Product: Other financial service

During my last vacation, that I spent in XXXX, I reached my personal account at coinbase.com to check how things were going. 

I saw this error message : " Dear ..., We have reason to believe you reside in a country in which Coinbase is prohibited by law from doing business ( XXXX ) per the sanctions imposed by the U.S. Treasury Department 's Office of Foreign Assets Control. As a result, we 've unfortunately had to close your Coinbase account. 

If you are not a resident of a sanctioned country or otherwise have received this notification in error, please contact us at support @ coinbase.com immediately and provide us with a copy of a photo ID and proof of your current address. 

If your account has a balance you will need to contact the U.S. Treasury Department to request permission to access your funds. '' From that moment, 20 days ago, I 'm unable to access my account. I reported the issue via their customer support web site, email and event XXXX. I only obtained one, just one, vage answer saying they are investigating the issue.