23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$3000.00}, {$920.00}, {$3400.00}, {$5700.00}, {$120.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXand the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$920.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my account. 


-- CLOSED ACCOUNT 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 


-- COLLECTION ACCOUNT 6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$120.00} -This is not my account.
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 the Electronic Fund Transfer Act ( EFTA ) and Re
gulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Calling me frequently in the middle of the night most recently at XXXX XXXX XX/XX/XXXX. Waking up my baby. I told them to stop calling at those times and they still repeatedly did so
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Money transfer, virtual currency, or money service

I've been using the cash app for over XXXX  years now with experiencing inadequate customer service and unfair practices which violates the CFPA I would like to be added to this class action lawsuit against cash app
Product: Credit reporting, credit repair services, or other personal consumer reports

I have e-mailed them twice to correct my credit report. Some entries have not been updated since XX/XX/2021 and are paid but still showing as open.
Product: Money transfer, virtual currency, or money service

I made a transfer of $ XXXX {$410000.00} XXXX  to a family member on XX/XX/year>, within 15 minutes I realized that I made a mistake with the account that the transfer was to come out from. I immediately contacted the help number and requested that the transfer be cancelled. The agent XXXX assured me that transfer would be cancelled, and my request would be escalated. The following day I reached out and spoke to another agent XXXX, who echoed what XXXX said. However at this point, {$410000.00} XXXX had been taken out of my family member 's account and the transfer had not been cancelled as originally requested. Seeing that they had taken the amount, I then requested a refund. I spoke to a third agent XXXX and she gave me no tangible explanation as to a solution. I have called several times and received an email from yet another agent XXXX, on XX/XX/year>, stating that they would issue me a refund. Till this date of XX/XX/year>, I have yet to receive said refund.
Product: Credit card

We purchased a XXXX dishwasher through BestBuy on/around XX/XX/2022. At the time we made the purchase, we signed up for and were approved for a BestBuy credit card. One of the features of making this purchase through the credit card was coverage ( warranty ) for one year. This warranty was called the Total Tech Plan. We were told that any warranty repairs were at no cost to us. However, upon making a claim, we were told that we needed to pay {$99.00} plus tax, or roughly {$100.00}. We ended up canceling the scheduled repair as we were not certain being charged was correct. However, even though we didn't have anyone come out, and even though we have been on XXXX calls trying to explain the situation and get our {$100.00} back, neither BestBuy nor the issuer has not refunded the amount nor provided proof that such an amount was credited back to us. We are escalating to see if CFPB can assist and to let others know to steer clear of BestBuy 's warranty service. It just isn't worth the huge headache it has been for us. It is now about principle, not about the amount.
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 Customer Financial Protection Act ( CFPS ). 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 Election Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant incivenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

I received XXXX emails on XX/XX/2022 as if I had opened an account with the Pentagon Federal Credit Union. The emails were requesting verification in order to open the accounts and receive tax information electronically. I have changed my email password and tried contacting the bank but the phone service requests my DOB and full SSN- I chose to hang up before providing any of that. I am unable to speak to a human.
Product: Credit card

I am unable to reset my Apple ID password due to the recovery feature being enabled. I was informed Id still have access to the card.apple website to manage my credit card, however Im unable to sign in because Im unable to reset my password. In order to gain access to the recovery key I need the password, in order to reset the password I need the recovery key. Despite being okay with losing a few hundred dollars worth in movies, tv shows and books I find it hard to believe that there is no way around the recovery key to reset my password to gain access to the credit card portal. I have access to the email set up as the recovery email, I have access to the phone number linked to the account in order to receive the MFA code and I can provide proper identification to verify my identity. The lack to help the consumer recover their account when needed shows the lack of willingness to work with the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello and I went to my bank to try and get a loan to go back to school. My banker told me that they could not give me the loan at the time because of my credit. I pulled my credit and there are some stuff on there that is not mine. Please remove them from my credit report so I can go back to school and make a better life for my family. I've contacted the FTC and my local police. I'm doing this on my own behalf. XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update or correct them immediately : XXXX XXXX  Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy 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 XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I filed a FTC Identity Theft affidavit to report multiple separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of personal credit card XXXX XXXX XXXXXXXX XXXX XXXX  opened on XX/XX/XXXX. 
XXXX  charge card opened on XX/XX/XXXX. XXXX opened on XXXX XXXX XXXX XXXX opened on XX/XX/XXXX including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws The credit bureau are not removing these negative items of my credit report I will sue XXXX XXXX and TransUnion if these negative items arent removed. They violated my credit consumer protection rights too many times.
Product: Mortgage

I have been working with Ditech for over 3 months on a review for Loss mitigation to try to get my account current. IN the midst of my review Ditech decided to place a sale date for XX/XX/XXXX. A week before my sale date they denied my review stating that there was not enough time to review my case with an upcoming sale date, as they state I am not eligible for another modification until XX/XX/XXXX being that I received one in XXXX. 

When they began the review process 3 months ago, they had told me that I was not eligible until XXXX but that I could start applying now as the review would take a few months and that the investor allowed a review within 6 months of the 24 months deadline for a program eligibility under FHA guidelines and that if need be they would postpone the sale date to allow me time to be eligible. 

We are 2 months away from being qualified, and I have been informed that FHA has actually allowed people to be approved within 18 month of their last approval, and in this case even though we are eligible and within the time frame, Ditech will not postpone the sale date to allow us to qualify. 

I feel this is predatory lending, as I fell on an unfortunate set of circumstances when I go severely sick last year and my significant other lost her employment. 

I have since then been trying to do everything under my power to make amends on the loan and be able to get back on track now that my finances have gotten better, and Ditech stated they would try to help me and work with me only, to turn around and deny me a week before the sale date and try to say my only option is to come up with a total amount of over 15,000 $  which is impossible for me at the moment. 

I would like Ditech to postpone the sale date and allow me to be able to get back on track through the FHA Modification which I will be eligible for in a little over a month. 

Please help as I have been in my home for a very long time and would like to do everything possible to keep it and my family there.
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 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 : Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX 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: Debt collection

Fraudulent Transaction, in my statement. Creditor informed me. I disputed the amount. Further, They have increased the interest charges upto 27 %. But I have been agreed to pay 6 % as introduced. previous balance in XXXX, was {$570.00}. 
They have increased the balance upto XXXX in XX/XX/XXXX. 
There were no transactioins since, made by me from XXXX to date. The Account has been closed.There was a Fraudulent transaction has made on XX/XX/XXXX, for {$190.00} I objected and Disputed. 

I already have reported this case.with CFPB, on XX/XX/XXXX. 
Case No. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Debt collection

My bank accounts were levied XXXX XXXXXXXX by Persolve XXXX XXXX XXXX. 

I contacted the company and told them I was never sued and have no idea of the debt. They said they served me at an address I have not lived in for over 10 years and I was described as a XXXX XXXX XXXXXXXX woman in my XXXX I am XXXX XXXX XXXXXXXX. I told them they served someone else and they didnt care. 

They are suing me for an alleged credit card debt from XXXX, and they said the judgment was since XXXX. 

I have never received anything from this company, I have no collection record on my credit report, nor do I have any idea the debt they are collecting on. 

They have supplied me with no information on this, they said they would send me media in the mail, but my bank accounts have now been emptied.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer finance Bure. 
I'm trying to remove a lien against to my house. Lien was put by Win Law Group. I refinance my house in 2005 with XXXX XXXX XXXX. XXXX XXXX XXXX was supposed to pay off {$9500.00} from XXXX XXXX XXXX XXXX XXXX to XXXX. Washington XXXX XXXX or the XXXX XXXX XXXX never paid the loan to XXXX. the XXXX tried to collect the money from me which I thought it was all ready paid off. The loan went to collection and that ruined my credit score and I'm not able to get a car loan or refinance my house. Since then I have been paying very high interst on my credit cards and all of the loan that I apply. The collection company Win Law Group take over the collection and took me to court for {$1700.00} and levyed my bank account of about {$800.00} and put lock on my safety deposit box, which have my daughter 's and my passport in it. I can't get it out until this day. I'm trying to refinance my house to pay my x- husband and no one wants to give me a loan because I have a lien against my house from Win Law Group for {$19000.00}, which was XXXX XXXX XXXX faults, now own by XXXX XXXX . I called XXXX XXXX  and Win Law Group no one wants to help me to remove the lien off my house. XXXX XXXX XXXX is not exist anymore, I can't get hold of the Escrow company or the XXXX XXXX XXXX. Please help me to remove this lien against my hose and find out what happened to the money that I paid to them. My mortgage loan is still with XXXX XXXX they been collecting interest on this loan and Win Law Group been collecting interest and late charges on this loan, now it is add up to {$19000.00}
Product: Checking or savings account

There's a new law that Banks can not charge more than {$5.00} for overdraft fee and Chase is still charging {$34.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$3800.00} on the XXXX XXXXXXXX partial account number XXXX. ( Please see page attached from my credit report. ) XXXX XXXXXXXX no longer owns this account as it was sent to an attorney. This account needs to report a {$0.00} balance. Since the default Judgment was issued this account can no longer be reported to the credit bureaus and can only report to XXXX XXXX. This false reporting of a collection/charge-off is a violation of the Fair Credit Reporting Act and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX, Experian XXXX XXXX XXXX you are not in compliance with Federal Law 15 U.S. Code 1666b ( a ) ( b ). 

I, XXXX XXXX, am demanding you UPDATE all my payments as ON TIME on my Consumer Report should NOT be any Late Payments for any reason pursuant to15 U.S. Code 1666b ( a ). 

Thanks for your timely response.
Product: Vehicle loan or lease

I have a loan with BRIDGECREST. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the 3 Credit Bureau with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately.
Product: Checking or savings account

In XX/XX/2023, I received a letter from Bank of America with an attached ATM card for a new banking account open under my name. I never opened, nor did I give anybody permission to open an account with Bank of America on my behalf. 
I tried to contact Bank of America customer services and called every phone number provided on the letter as well as on the Bank of America web site. I was never able to talk to anyone. I walked into an agency, but the personnel told me to contact the Customer Service. 
I then addressed a letter requesting an explanation as of how this account was opened, which I mailed to the Customer Service address indicated on the front page of the Bank of America statement. I never received any response. 
Later that month, I received another letter informing me of Bank of America 's decision to close the account because they were not able to verify my identity. I then tried again to contact the Customer Service but was still unable to talk to anyone who could explain what was happening. 
Despite the account being closed, I continued receiving statements from Bank of America until XX/XX/2023. I tried again to contact them - no results. 
I then contacted a financial attorney 's office, where I was told that it might be the result of an identity theft. Since I was not able to talk to anybody at Bank of America, I can not establish whether this is the case. 
I then called the XXXX XXXX XXXX where the agent told me to contact the Consumer Financial Protection Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX IS SHOWING XXXX XXXX ON MY CREDIT REPORT TWICE ONE HAS A XXXX BALNCE ONE HAS A BALANCE OF XXXX. SHOULD ONLY BE 1 ACCOUNT XXXX  BALANCE. PLEASE REMOVE THE 2ND ACCOUNT ONLY 1 ACCOUNT WITH CREDITOR. XXXX XXXX IS SHOWING INCORRECT BALANCE. BALANCE IS XXXX THIS WAS PAID THRU A 3RD PARTY COLLECTION AGENCY PLEASE VERIFY WITH COMPANY. XXXX XXXX IS SHOWING 120 PAST DUE THAT IS INACCURATE INFORMATION PLEASE CORRECT. O DAYS PAST DUE.
Product: Credit reporting or other personal consumer reports

This is my XXXX attempt to address the ongoing issue. Despite multiple requests, I have been consistently denied access to my personal credit report by EXPERIAN. They have refused to release any information regarding my credit history. Attached here with are supporting documents, including a copy of the letter I sent to the credit bureau, along with copies of my personal identification.
Product: Student loan

My daughter only stayed in college for one year, She was given the loan information to make payments. 
She made a few payments by calling in a few times, she missed a few payments. At that time I suggested we call Fed Loan and set up a payment arrangement. We called together, My daughter and I spoke with the woman service rep, I told her I was calling about the parent plus loans taken out in my name, we gave our social security numbers and the service rep set up my daughters bank account for repayment. Several months went by, I started getting alerts about my credit score dropping due to late payments, I reached out to my daughter who provided a bank record of payments being made. Several more months went by and I continue to see my score drop, at that point I disputed it due to having proof of payment. In late XXXX I decided to call Fed loan to find out what was going on, it was at that time I discovered that the parent plus loan was not set up with a payment plan, the only account that was set up was a loan in my daughters name. I had no knowledge of this account ; it was set up by the college without my consent. I was not involved in this loan. When the initial repayment plan was set up the service rep set up the wrong account and did not disclose that she seen an additional account. 
The service rep suggested a forbearance, it was approved. I have been making on time payments since then. During the 8 months I received 16 late payments recorded against me on my credit report. They reported on 2 accounts being late but I only have 1 account number. I believe that these late payments against me are unjust, I called The Fed loan facility and gave all of the necessary information, there was no mention by the service rep of several accounts. If these said accounts were discovered the first time, I contacted their facility I would not be in this position. 

We called Fed loan in XX/XX/2018 to set up a repayment plan I have records that show one account was being paid while the other fell behind due to the wrong account being set up for repayment.