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

I am filing a complaint against Cash App, Block failed to provide effective customer service for Cash App, including by failing to provide live telephone agents, which prevented consumers from being able to have their financial issues addressed in a proper and timely fashion and resulted in fake customer service lines through which consumers information would be stolen, in a manner that was unfair in violation of the Consumer Financial Protection Act of 2010 ( CFPA ). The Bureau also found that Block failed to take timely, appropriate, and effective measures to prevent, detect, limit, and address fraud on the Cash App platform in a manner that was unfair in violation of the CFPA. The Bureau further found that Block used the card network chargeback process as a substitute for fulfilling its obligations under the Electronic Fund Transfer Act ( EFTA ) and Regulation E to investigate and resolve disputes about unauthorized transactions in a timely manner in violation of the CFPAs prohibition on unfair practices. In addition, the Bureau found that Block engaged in deception by misrepresenting that it protected consumers from unauthorized transfers and had a telephone line to report such unauthorized transfers. The Bureau also found that Block failed to comply in multiple ways with the requirements of EFTA and Regulation E, including regarding error resolution
Product: Debt collection

Collection amount was paid in full on XX/XX/19 Approval code # XXXX. 
Rep told me account will be deleted & I will receive a receipt in mail. I disputed the account & they updated the account XX/XX/19 stating account is in collection & have a high balance
Product: Credit reporting, credit repair services, or other personal consumer reports

1 1/2 years ago my identity was compromised resulting in this on my credit : XXXX XXXX XXXX CC Opened XX/XX/2016 {$1700.00} I want it removed.
Product: Vehicle loan or lease

So far I didnt paid about {$11000.00} towards my {$17000.00} loan and theyre still stating that I owe the same amount. I try to talk to the supervisor to get where am I payments are being applied and they sent me a paper where it looks like they just typed up an amount to make it look right and even on that paper the amount is still not even right, Ive been getting harassing phone calls every day before XXXX oclock in regards to this loan I told the lawn service to stop calling and harassing me and they consistently do it without any regards to my request I was bought I bought this car on XXXX, pretenses of what the auto dealer lead me to believe and really I was scammed and fraudulently, misled by the dealership of what I was applying for in the outstanding balance that would be applied to my account Something needs to be done about this. It is not OK.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill their legal obligation under the fair reporting act ( FCRA ) to conduct a reasonable re-investigation of disputed information on my credit report, leaving inaccurate or unverifiable information unresolved. The consumer financial protection bureau ( CFPB ) recently filed a lawsuit against Equifax alleging, systematic issues, such as failing to forward consumer provided evidence to furnishers excepting unreliable responses and failing to adequately notified consumers of dispute outcomes. These failures align with my experience. Where Equifax has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing I am requesting immediate corrective action to remove or amend the disputed account accounts as Equifax inaction violates federal law and my rights as consumer. Listed below are the inaccurate hard inquires that are a result of ID theft that equifax has failed to remove even after providing supporting ID theft documention. 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 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 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 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reached out to Transunion, XXXX and XXXX stating I opened a XXXX XXXX card in 2017 and I never received it due to some one stealing my mail and using my card for fraudulent purchases. I ended up having to pay the cards balance off and closed the account but for some reason it still shows negative reports on all 3 credit bureaus. I would like that account taken off my credit reports due to it being used fraudulently
Product: Checking or savings account

Axos Bank offered customers a {$300.00} cash bonus when the customer opens a new Rewards Checking account and uses promo code XXXX. The bonus the customer receives depends on the Total Qualifying Direct Deposit amount in a 30-day Evaluation Period : {$1000.00} {$1900.00}, cash bonus {$50.00} {$2000.00} {$6900.00}, cash bonus {$100.00} {$7000.00} or more, cash bonus {$300.00} My checking account ( Account # XXXX ) received a {$7000.00} deposit on XX/XX/XXXX, five days after the account was opened, fulfilling the offer terms. Note that this deposit fell within Axos 's stated 30-day Evaluation Period.
Product: Mortgage

I have open complaint but new evidence urgent I need to let sps know I have doc show I opt out XX/XX/XXXX decline so that reason XXXX say loan became default start XX/XX/XXXX for 5mos say I was 151days default so partial claim sibordinate look legit I finally spoke to someone today in osbudman group she was very truthful she did not use the stall tactics sps used last 90 days what she told me today when she found I had lawyer send complaint it is not on them to fix a deceptive modification so all docs I sent in were waste of time and I am upset I feel I was misled they are not the owner and trust holder of note as they claimed I need to find out who is responsible for my disception I have new evidence I actually OPT out XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO I ALREADY DISCUSSED AND TREATED TO COMMUNICATE WITH YOU BY TELEPHONE AND I DO NOT GET IT I WAS SEEING MY CREDIT INFORMATION AND I SEE MULTIPLE INQUIRES THAT I DO NOT RECOGNIZE SOMEONE ELSE USING MY PERSONAL INFORMATION STOLE MY IDENTITY
Product: Checking or savings account

My Debit Cards was Stolen and Numerous Fraudulently activities Took Place in my Account. My Funds were Stolen. I Made a Police Report and the Person While has my Information is On XXXX ( Social Media ) Showing Off my Information and the Information Of Others. All of this was sent the bank and theyre denying my claim saying that I had to Enjoy some of those benefits because the individuals who scammed me called from my number as they made certain request. 

Ive had my account since 2011 and Have never this type of issue. Not only is BB & T refusing to give me my {$2400.00} + but theyre claiming that I took {$9900.00} from them. 
It appears that theyre refusing to properly investigate and simply want to punish the victim despite what Ive already experience.
Product: Debt collection

This debt does not belong to me. I've asked them 5 times to validate it, and they can not. 
I asked them to show me where I signed to open this account they said they don't have anything to prove. They have nothing providing this account is mine I lived at XXXX XXXX XXXX XXXX  Ny XXXX at the time they said debt occurred.
Product: Credit card or prepaid card

After calling Citi Bank to request the payoff amount, I paid the balance off in full on XXXX XXXX, XXXX. I received my next statement saying that I owed additional interest of {$9.00}. I was told when I called about it, that it would be removed. However, it was not removed and later went on my account as late. I called again and eventually paid the {$9.00}. This card was used to pay for a trip so the next month that charge was on the card. This was a large purchase so I paid for the charge in two payments. When I made the last payment, I call XXXX once again to make sure I was paying the entire balance, including any interest. After I made the payment to the person that I was on the phone with, I cancelled the card and requested a letter stating that the balance is zero and the account is closed. I was lead to believe that everything has been taken care of, however, this month there is interest due again.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX XXXX
Product: Credit card or prepaid card

I try to balance my Direct Express Govt debit card account weekly. 
Only today I went online to find that someone using a XXXX XXXX has recently deducted {$420.00} in the last six days ; Between XX/XX/2022 and today XX/XX/2022. There are three users listed with this XXXX XXXX two of them using the same web address.

Using this app people deduct small increments ( {$1.00} - {$2.00} ) numerous times over two or three days. Then they change the username on the app. 
I immediately file disputes and have canceled the card requesting a new one. 
Information : 1. XXXX XXXX XXXX XXXX  FL UNITED STATES OF AMERICA . 2. XXXX XXXX XXXX XXXX  FL USA . 3. XXXX XXXX XXXX  XXXX CA XXXX XXXX
Product: Student loan

I have been enrolled in the SAVE program since it initiated through Nelnet. I received an email about recertifying my income for my repayment plan which they have a deadline on their website for XX/XX/XXXX. I thought that was weird given the legal status of SAVE currently but did not want to be placed in another program. On XX/XX/XXXX, I did the recertification application and chose to stay on the SAVE program and today ( XX/XX/XXXX ) the said my application could not be processed due to the legalities of the SAVE program and put me in a forbearance program which interest is NOW accruing. I called Nelnet and they said there is nothing they can do, I called student aid.gov and they said they can see my application but can not do anything and should file a complaint. 
On the studentaid.gov resources it clearly states that a servicer will ask for recertification at the earliest XX/XX/XXXX but yet Nelnet has " recertify by XX/XX/XXXX '' at the top of their website AND sent emails.The studentaid.gove website also has an email that states " IF you submit an application to enrolling an IDR plan OTHER than SAVE, but your loan servicer is unable to process your application within 10 business days you will be placed in forbearance ''. However I DID RECERTIFY in the SAVE program that I WAS ALREADY APART OF and was placed into that program. I followed what was required and now I am being financially punished and nothing can be done by either party? Not acceptable. They shoulder not have you recertify if they don't know the status to then put you in a beneficial forbearance program that generates more money for the companies. I want my 0 % interest back and the interest that is accruing wiped from this issue between Nelnets lack of following federal policy and misleading information. 

I have screenshots and saved information of everything stated here and will pursue this until it is corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated. 
I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by XXXX XXXX XXXX before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXX XXXX to furnish any late payments to my consumer report. It is my belief that due to XXXX 's XXXX business relationship with the consumer reporting agencies, ( such as XXXX, Experian, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.
Product: Mortgage

Roughly 2 years ago my wife and I filed Bankruptcy, which we did request to reaffirm the mortgage, which was with XXXX at that time, with our attorney. He filed the proper paperwork to ensure this would be completed. In a conversation with him, I understand that the courts do not necessarily push this like they do on a auto loan. The servicing was transferred to Nationstar Mortgage a little over a year ago, and we have been paying them on time since. I recently applied for credit and learned that the mortgage is not reporting on my bureaus. I have reached out to Nationstar and their response is that I did not reaffirm the debt, which is not true.
Product: Credit card or prepaid card

Went on a vacation to XXXX XXXX. Went to a timeshare presentation while there. Never signed anything or gave ssn while there. Upon returning home received credit card from timeshare company that I never applied for.
Product: Money transfer, virtual currency, or money service

There were several fraudulent charges on my venmo card tried to resolve through disputes with the company they denied claims XXXX XXXX emailed the fraud department or dispute Department talked to customer service filed a police report and venmo still refuses to do anything about getting me my money back On XX/XX/XXXX wrote review through XXXX play. 

Got a response from Venmo developers probably automated on XXXX XXXX 2023. 

On step XXXX 2023 wrote emails to customer service and dispute center asking for what proof they needed got no response XX/XX/XXXX wrote email and received a claim denial letter On XX/XX/2023 was told via email that the dispute center would reach out within XXXX hours On XX/XX/XXXX of 2023 sent a list of fraudulent charges via email to venmo customer service for the XXXX or fifth time XX/XX/XXXX file the police report forwarded that to venmo customer service On XX/XX/XXXX they sent me an email asking if any of the articles that were not anywhere near pertaining to my issue would resolve the problem On XX/XX/2023 venmo contacted me telling me that somebody from the dispute resolution center would be contacting me they never did XX/XX/XXXX first got a dispute denied email XX/XX/XXXX referring to an email that was sent to me on the XXXX I told them I did not have any receipts to prove anything about the transactions because it wasn't me that made them I wasn't present I did not authorize the transactions Starting on XX/XX/XXXX there was several attempts to start a claim with venmo giving them the list of transactions dates and amounts of the transactions to have them deny claims and delay in response to my inquiries I'm not able to get all dates because it's through their app and it does not save that information for my viewing
Product: Credit reporting or other personal consumer reports

I was really disheartened to discover unauthorized inquiries on my credit report this morning, and I have no idea why they're there. I routinely check my credit report, but this time, there were unexpected discrepancies. I even tried refreshing my browser, hoping it was just a glitch, but the unauthorized inquiries remained. This situation is deeply troubling, and I urgently request that the documents I've provided be reviewed thoroughly so I can stop worrying about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed information on Transunion, XXXX  and XXXX for accounts that do not belong to me. I sent multiple dispute letters. The 1st letter was mailed on XX/XX/2020, 0n XX/XX/2020 I received the results claiming to have verified the items I disputed. On XX/XX/2020 I disputed the items again, on XX/XX/2020 I received letters once again claiming to have verified. The accounts and items are not mines.
Product: Debt collection

This complaint is based on violations of the FDCPA and the FCRA by State Collection Service ( SCS ). 

___ On XX/XX/2018, I reviewed my credit reports and saw a collection account reported by SCS regarding an alleged medical debt. I was never aware of this account so I had no opportunity to dispute the debt until this point. 

___ On XX/XX/2018, I disputed the debt directly with SCS in  writing. In my dispute, I included the very same form letter provided on the website of the CFPB for consumers to request validation of debt. 

___ SCS received my letter on XX/XX/2018 via certified mail. 

___ In my letter, I instructed SCS to cease collection of the debt until it was validated. 

___ In my letter, I advised SCS that I intended to dispute the account thru the credit reporting agencies, and that if they verify the account to any credit reporting agency prior to validating the debt, then this would be a violation of the FDCPA for failing to cease collection of the debt. 

___ On XX/XX/2018, I disputed the account thru the credit reporting agencies. My dispute included that I had no knowledge of the account, and that [ SCS ] failed to validate the debt as required by the [ CFPB ]. 

___ Between the dates of XX/XX/2018 and XX/XX/2018, I received the results of the investigation from the credit reporting agencies, where SCS failed to cease collection of the debt because they falsely verified the account thru the credit reporting agencies. 

___ At no time did SCS validate the debt or provide the answers and materials set forth in the form letter as provided from the website of the CFPB. 

___ Based on the aforementioned facts ( and supported by the attached Exhibit ), SCS engaged in following violations of the FDCPA and FCRA : ___ ( a ) Violation of the FDCPA 15 USC 1692g in that they failed to validate the debt and have continued collection activity thru use of the credit reporting system. 

___ ( b ) Violation of the FDCPA 15 USC 1692 ( e ) in that they have taken action that can not legally be taken. 

___ ( c ) Violation of the FDCPA 15 USC 1692e ( 10 ) in that they employed false or deceptive means to collect a debt. 

___ ( d ) Violation of the FDCPA 15 USC 1692e ( 2 ) ( A ) in that they misrepresented the character, amount of legal status of the debt. 

___ ( e ) Violation of the FCRA 15 USC 1681c ( a ) ( 6 ) ( A ) in that they published the name of a medical provider on my credit report. 

___ ( f ) Violation of the FCRA 15 USC 1681s-2 ( b ) ( 1 ) ( A ) in that they failed to conduct a reasonable investigation of my dispute thru the credit reporting agencies. 

___ ( g ) Violation of the FCRA 15 USC 1681s-2 ( b ) ( 1 ) ( B ) in that they failed to review all relevant information provided in my dispute to the credit bureaus. 

___ ( h ) Violation of the FCRA 15 USC 1681s-2 ( b ) ( 1 ) ( E ) in that they failed to modify, delete, and/or permanently block the reporting of inaccurate or unverifiable information on my credit reports.
Product: Checking or savings account

At the time I was homeless and living out of my car. Had all my personal information in there and someone XXXX XXXX XXXX XXXX  They were able to use my debit card and do all kinds of fraud transactions. I filed the police report immediately but did not have access to a phone. I spoke with the bank and they denied my claim I provided further information such as the police report and even had them speak with XXXX about my situation and they confirm that it was fraud. But they still denied my claim.
Product: Student loan

My loan is through Navient. Coming out of college ( XXXX ) they wanted {$1200.00} a month, which was impossible. They offered me a reduced payment plan which turned out to be an interest only payment which caused my loans to go up instead of down. Which does n't make any sense because if I was paying interest why was the loan going up? They now require {$1400.00} a month and offer no help except interest only payments again ... which will only continue to put me into more debt for a longer amount of time and pay them more than XXXX of my lifetime earnings. I have already paid them almost {$86000.00}. At this rate it will take XXXX years to pay the debt and they will receive about {$460000.00} for what was originally {$160000.00}. The company has also told me I have defaulted on these loans. An untrue statement and I have printed all my bank acct statements to show a payment each and every month since loan payments were due. 
They have also continued to raise the interest on my loans. XXXX of these loans is 10 %! How is this student help? They were dishonest in offering repayment plans that are no help to me and also in information they have given me about my loan and payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please investigate and delete the following false disputed accounts from my credit report : 1. XXXX XXXX XXXX account XXXX* 2. XXXX XXXX XXXX account XXXX 3. XXXX XXXXXXXX XXXX account XXXX 4. Bank XXXX XXXX account XXXX 5. XXXX XXXX XXXX account XXXX Please investigate and delete asap.
Product: Debt collection

Several accounts on my most recent credit report appear to have been added fraudulently. I request their immediate removal and blocking.