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

I made a large deposit and they wouldnt release my funds. They put a hold on my account
Product: Money transfer, virtual currency, or money service

( 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 Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I received a notification in the mail from a debt collection company by the name Spring Oaks capital SPV. A loan was taken out in my name for the amount of {$570.00}. The Original creditor is XXXX XXXXXXXX XXXX XXXX  company and the brand name is XXXX. I called the debt collectors and informed that the loan was taken out fraudulently. I also called XXXX and informed that the loan was taken out fraudulently. I informed both companies that my Identity was stolen XX/XX/2023. Spring Oaks capital Spv said they will send me a packet in the mail on how to dispute the debt. But that I am still responsible for the debt that I did not borrow. XXXX said to send an email with My Driver 's license and copy of and police report or a copy of FTC report.
Product: Debt collection

I received a copy of my credit report issued XX/XX/XXXXand it shows an adverse collections account from Midwest Recovery Systems which was placed for collection onXX/XX/XXXX for XXXX XXXX XXXX. Before I left XXXX in XX/XX/XXXX, I Paid my bill at XXXX XXXX and closed the Account. I have been living in XXXX  for ten years now and have no idea how or why they would have a bill in my name. I spoke with someone at XXXX XXXX and was told they have no record of me. XXXX, at Midwest Recovery told me that a payment was made on the bill inXX/XX/XXXX and that I could just pay the {$910.00} and clear my record. Since this was not my bill and I had no idea who made the payment, I refused. I believe a notice of fraud was placed on the account but this account should be removed from my record as soon as possible and should not be put back on by the next company the account is sold to. I would appreciate any assistance you can give in this matter as my record has been tainted because of this. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT CARDS OEPNED UNDER FRUAD : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and closed as a charge off in XXXX. CHECKING/SAVINGS ACCOUNTS OPENED UNDER FRAUD. 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 XXXX XXXX XXXX XXXX XXXX midland credit. 
Attached police report below of legal proof I didnt open those accounts.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracy in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the accounts 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, Equifax actions may also contravene the Consumers Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBS recent administrative proceeding ( File XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax comply with federal law and provide consumers with the necessary proof of investigation. I want reported accounts removed.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I notice that there where some inaccurate information on my credit report in which I ask the credit bureau to check to make sure everything was completely accurate, modified or deleted if its not. On XXXX XXXX I got my result back and the information came back verified and completely accurate but I dont know how everything is completely accurate if there are things that arent accurate but I dont know maybe the credit union where have a bad day Im not sure how they did there investigate within less than 24 hours what did they actual do to verified this account. Could the cfpb find out because am not sure what they did.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently found out I was a victim of Identity Theft, so was told to pull my credit report to see was there any fraudulent information on there. I found many fraudulent accounts that I didnt open nor did I authorize or consent for them to be opened in my name, along with many fraudulent inquiries for new credit. So Im taking the necessary Steps to get this matter resolved as soon as possible.
Product: Credit card or prepaid card

I live on Social Security. I received my bill from Capital One for my payment due on XX/XX/2021, minimum payment {$28.00}. I paid on XX/XX/2021 {$250.00} on my Walmart Credit card ( ending in # XXXX ) on a card balance of {$260.00}, XXXX. My confirmation number for the payment was XXXX. The monies were withdrawn from my bank on XX/XX/2021 under post # XXXX. Today is XX/XX/2021, and according to their computer printout all I had to use on my card was {$11.00}. My credit limit on the card is {$300.00}. At XXXX XXXX I spoke with their representative at phone # XXXX and questioned him as to where my additional {$250.00} were. He advised me that sometimes it can take up to 8 business days to clear. I questioned him if this was normal practice and he answered " Yes ''. I do not believe that the bank is authorized to 'float ' my money without allowing me to have access to the funds. As I stated at the beginning of my complaint, I ( we, my wife and I ) live on Social Security and our budget doesn't allow holding on to our monies when, in doing so, we can't buy groceries or medications. Please advise us if this allowed.
Product: Student loan

In XXXX I received a FFEL Consolidated Loan through ACS and paid on that loan until XXXX. From XXXX through the present, I have worked as a public service employee. I was led to believe by ACS that my qualifying payments from XXXX onwards would be eligible for the Public Service Loan Forgiveness Program ( PLSF ). As a result, I believed that I had earned approximately 4 years ( loans were on forbearance at times ) worth of qualifying service towards PSLF. ACS NEVER informed me that my loan needed to be converted into a Direct Consolidated Loan. It wasn't until XXXX, when the government released their forms and clarified the requirements, that I learned that the FFEL consolidated loan that I had been paying on did not qualify. As a result, I applied and received a Direct Consolidation Loan. Like so many of the student loan borrowers, who were mislead about the program, I had to begin all over with repayments. Four years of service disqualified and four years of unnecessary payments all because ACS failed to inform their clients of necessary information!!! This is not fair to all of us past students who relied upon this loan servicer ( as well as others ) and are now having to continue with the burden of paying off our debt much longer than expected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Summary : XXXX XXXX incorrectly places at 120+ day late payment on my credit report. I completed the dispute process and received a letter, from XXXX, dated XX/XX/2018 stating that they ( XXXX ) were requesting the delinquency be deleted from my credit report and they were notifying the three credit agencies ( TransUnion, XXXX and XXXX ) they had 30 days from XX/XX/2018 to update their files. The three agencies deleted the error on XX/XX/2018, but the negative XXXX payment reappeared on my credit report as of XX/XX/2018. 

Impact : This error was discovered, much to my surprise, in XXXX of 2018 while trying to apply for a home loan. At that time my interest rate was quoted to be 4.1 % with a score of XXXX, which I would have had without the negative item from XXXX XXXX 

Now, six months later with increased interest rates, I'm looking at 4.5 %. This error on the part of XXXX and now with the three credit agencies will cost me more than {$100000.00} over the course of a 30 year mortgage. 

Any help to have this error be permanently removed and done so as quickly as possible is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified this items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please update these accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX XXXX XXXX I have several fraudulent addresses on my credit report that do not belong to me on my credit report. It is possible they belong to another XXXX XXXX that live in the XXXX Area. I have filed a compliant with FTC ID theft and XXXX Police dept. My only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. I have been having issues with Companies trying to garnish my wages for someone else information appearing on my credit report. Please remove the following addresses they are not mine!! 
XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX CT, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX CT, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Checking or savings account

On XX/XX/XXXX. I was scammed and submitted a fake check to one of my savings accounts. There was multiple transactions there to transfer money through XXXX to the scammer, all of them were rejected and was not sent. I suspected that it was fraud after multiple attempts to send money to the scammer. I called the USAA Fraud Department to report this right away and to put a note on my account so they can protect me. On the week of XX/XX/XXXX, I keep seeing on the USAA app that my funds are unavailable. I thought it was a glitch so I let it be. I received a call from USAA on XX/XX/XXXX which is XXXX XXXX at XXXX, I asked them to call me back because I am hosting a XXXX party with my friends and family plus it's already too late. The person told me that she understands, and would call me back. Today is XX/XX/XXXX, and I never received a call back. I contacted USAA to know more as to why my funds are unavailable and ask them to fix it. That's when I learned that they have closed or made all of my funds unavailable without prior notice including my savings accounts that I share with my husband. They made it unavailable before informing me, before I can give any opinion on my part. I have done my part to report the fraud activity because I was the victim, but they are treating me like I was the bad person. They have closed my accounts and did not give me a chance to transfer my funds so I can pay my bills on the first week of XXXX. They made my own money unavailable. How am I supposed to buy groceries, pay my bills, and feed my kid without access to my accounts? They told me that they will not send my check or my money until after 60 days. Where am I supposed to get money to pay my bills and buy food? They have violated my right to be informed, to be heard, and to redress this situation. I was a victim, and I have been a loyal customer to USAA since XXXX as a XXXX XXXX XXXX and this is what they paid me back. This is not right. They failed to inform me before making my funds unavailable. They failed to give me a warning or a notice. They failed to hear my opinions regarding what happened. They failed to protect me as a consumer to redress this fraud activity. Please help me correct this. They are also closing my credit card accounts and this will hurt my credit history. I have never missed any payments and have an excellent credit score, but because of this, this would hurt my credibility. USAA is also the account I used to receive my GI Bill and XXXX benefits from the VA. They did not give me a chance to change anything or even update my direct deposit before doing this to me. I have no money to pay my bills and buy food for my kid.
Product: Checking or savings account

On Monday, XX/XX/year>, I attempted to make a time sensitive purchase totaling {$790.00} for my upcoming birthday trip. I was then prompted to complete an additional verification, which I did. I was prompted to complete this verification 5 more times with no purchase approval given. I responded yes to all additional automated texts inquiring if I was making the purchase. I checked my account to find it was debited almost {$2000.00} and I had yet to make a successful payment. Out of the 6 attempts that I approved, the following day BOA decided to release one of them. Due to this purchase being time sensitive the package I attempted to purchase was no longer available but BOA sent the funds AFTER the deadline, although I attempted to make the purchase PRIOR to the deadline. This was the last and most important purchase of my trip ( lodging ). Now due to this hardship not at my fault I have to cancel and restructure my entire birthday trip. This is EXTREMELY inconvenient and financially disheartening as I have lost a substantial amount of money due to the negligence on BOAs part. I am writing this complaint in hopes of finding a resolution. I also find it extremely disheartening that when I attempted to get in contact with the fraud department, the team lead I spoke to gave me the President of retail bankings information instead of another staff that could resolve this one a consumer level. I attempted to go to a physical location where they told me It could be a million reasons why it flagged it and gave no other information, then told me to call fraud department. I am looking to lodge every complaint, close my account and get legally involved with this. Now I am out of thousands of dollars, I have to wait for the payment to post and go through the whole dispute process with a merchant in another country and can not access my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. This account ( XXXX  ) is reporting on my personal credit file with Equifax, XXXX, XXXX ( Credit Reporting Agencies ) .This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me.
Product: Debt collection

The Company has reported inaccurate information to the credit bureaus which is negatively affecting my credit report. I have disputed this collection due to the information being inaccurate. Multiple times the dispute came back as verified but the information is still inaccurate. I have also sent a Cease and Desist and validation letter using federal law 15 USC 1692.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

MY PERSONAL INFORMATION NEEDS TO UPDATED ON MY CREDIT REPORTS
Product: Money transfer, virtual currency, or money service

On XX/XX/20 my computer was compromised along with my checking account information at Wells Fargo and a cash withdrawal was made on my Wells Fargo checking using XXXX for {$490.00} by a XXXX XXXX ( XXXX ). I reported it with claim no. XXXX. New account numbers were created for checking and savings. Number one I have never used XXXX before, two I do not know this person, and three I did not do this or authorize it. 

On XX/XX/20 Wells Fargo withdrawal slips were filled out with both new account numbers hand written in and signed XXXX XXXX and took {$2400.00} cash. I have never signed any document as XXXX XXXX. So back to bank with claim numbers on attached sheets. New accounts were again assigned for checking and savings. Wells Fargo has since returned the {$2400.00} to my accounts for this was obviously inside fraud. 

On XX/XX/20 I received a letter from, Wells Fargo that denied my claim on the {$490.00} stating they did not believe me that I did not do it.
Product: Credit card or prepaid card

This is with the XXXX XXXX XXXX arm of Comenity Bank. I established an interest-free account to pay-off dental bills. I foolishly failed to see monthly warnings that, if not paid in-full within 18 months, I'd be charged with deferred totaling {$1100.00}. I then discovered that the bank had been already charging me interest for months before that termination-date. I thus am apparently being double-billed for that deferred interest. 

I have written Comenity, but that have failed to respond.
Product: Payday loan, title loan, or personal loan

In the contract and statements it says after the XXXX a late fee of XXXX will be charged. But now the 10 day late letter already has the XXXX fee included. If the statement says after XXXX this will be charged that's illegal to charge the fee after day 1 and with the 10 day letter. I've also filed a complaint with the Texas State Attorney Generals office. The debt collection practices are inconsistent and confusing. I'm sending another complain to the CA SAG office. My monthly payment is {$810.00} and that should stay {$810.00} until after the XXXX of the Month. As you can see from the statements the 10 DAY LETTER already has the late fee assessed. But legally this is bound to the statement on the statements that " LATE FEES ARE ASSESSED AFTER 15 DAYS ''. They can not send me a 10 day past due notice with the late fees already assessed. I've also reached out to other Sofi members who have seen the same thing with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because XXXX, Transunion, and XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed being that they have gone way pass the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( a ) of the FCRA- they are required to ... .. promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible
Product: Credit reporting

XXXX XXXX XXXX Account # XXXX Please delete this on my report because I am only an authorized user. 
Please update my credit report and score.
Product: Credit reporting 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, 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.

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

Pioneer Mid-Country Bank has annotated that my previously discharged bankruptcy was instead dismissed. It was discharged. I called the phone number on my credit report but the person who answered said that Pioneer is no longer in business.
Product: Credit reporting or other personal consumer reports

A lot of hard inquiries are on my credit report and some of the personal information is incorrect. Also, some of the previous credit accounts are wrong. I do not understand how the credit bureaus, all three XXXX, Equifax, and XXXX are getting their information because it's not from me. Some of the information is correct but some information is incorrect. I can provide the exact information I need to be corrected once this complaint is further resolved.
Product: Student loan

Delta Management Associates is out of compliance with the CARES Act by failing to contact my employer about the 6-month freeze on student loan wage garnishments. 

Even after my previous complaint two weeks ago about the continuation of wage garnishment, Delta Management Associates continues to garnish wages and has failed to notify my employer.