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

I am writing in response to THE decision to decline my fraud block request, as detailed in your letter dated XX/XX/2024. I respectfully disagree with your determination and would like to highlight that there is already a pending fraud case regarding this matter in federal court ( Case Number : XXXX ). The transactions in question are a direct result of identity theft, which has been clearly outlined in my case. 

Despite your assertion that the accounts reflect a history of payments or previous disputes, I have no knowledge of the transactions that took place after the identity theft occurred. These fraudulent activities were reported promptly upon discovery, and I have taken every step necessary to resolve the situation, including notifying the proper authorities. 

Furthermore, under Section XXXX of the Fair Credit Reporting Act ( FCRA ), I am entitled to have fraudulent information blocked from my credit report. The rejection of my fraud block request, despite a federal case being open, does not align with this legal protection. I urge XXXX to reconsider this decision and take immediate action to block and remove the disputed information. 

Additionally, if this information is not blocked and removed within XXXX days, I will proceed to open another federal case. I am fully prepared to take further legal action to ensure that my rights under the FCRA are upheld. 

I will provide any additional supporting documentation, including court records, if required. However, I believe that the ongoing federal case is sufficient evidence to warrant immediate corrective action. 


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

On, XX/XX/, I sent a letter to TransUnion asking them to investigate my credit report for accuracy. The investigation letter is attached below. They did not investigate nor did they respond to me in writing within the 30 Days required by the The FCRA, The Fair Credit Reporting Act, " says that disputes must be answered in 30 days, and bureaus that fail to meet that criteria can be punished. They must at least respond to you in 30 days, and if they fail in that, the disputed item is required to be removed. '' On XX/XX/, TransUnion sent me a letter that made it very apparent that they were trying to stall the process of having to properly investigate my credit file. In this letter they claimed that it appeared that my initial request letter was coming from a Third Party and not from me. That this Third Party needed to identify themself. ( See Attached ). 

On XX/XX/, I sent a certified letter to TransUnion stating that they had violated FCRA by not investigating and responding within 30 days of my request to investigate and they must by law now remove All negative items reporting on my credit report.
Product: Payday loan, title loan, personal loan, or advance loan

The company uses predatory lending practices including inflexibility with setting up repayment dates : for example, at the time of applying for the loan, I was given no option other than bi-monthly or twice monthly pay periods, and they have refused to restructure loan repayment based on my ACTUAL pay period. The explanation as to what the " fixed finance charge, '' how it's billed your account, and how regular payments is applied to this finance charge is unclear and/or inaccurate. The company markets their product as a " less expensive '' personal loan for high risk customers, but their repayment structure and repayment schedule actually makes it much more expensive than what they promote to consumers.
Product: Student loan

Hello. My complaint is regarding fed loan servicing and my public service loan forgiveness tracking progress. 

29 months ago, fed loan servicing advised me that two loans were not consolidated into my PSLF repayment plan. I was assured the first time I did this about 6-7 years ago that all loans were consolidated. All my loans have about 59-61 PSLF eligible payments, while 2 loans only have 29 because of this. 

XXXX XXXX XXXX XXXX XXXX {$17000.00} Remaining/ Disbursed on XX/XX/XXXX  XXXX XXXX XXXX XXXX XXXX {$41000.00} Remaining/ Disbursed on XX/XX/2016 I felt mislead and cheated. In my ways, I was starting my PSLF payments from scratch after those two were added. 

I know the Department of Education is reviewing all PSLF plans to help ensure accurate and correct any issues due to poor servicer assistance. I just don't want to be left out and want to see these two loans that weren't consolidated the first time and brought up in payments to be equal to my other loans and progress updated. I was already notified that an initial review discovered a qualify for more eligible payments.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission.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: Payday loan, title loan, or personal loan

Citibank has ruined my life!! 
On XX/XX/XXXX, I sent a XXXX XXXX XXXX check for {$2500.00} for my loan payoff was cashed by Citibank and deposited in my loan account, on XX/XX/19, Citibank withdrew {$270.00} from my account because i signed up for autopay. On XX/XX/XXXX I called Citibank and asked why they hadnt deposited the {$3200.00} check i made from XXXX XXXX to payoff my loan, Which was cashed on XX/XX/XXXX? They claimed they didnt receive it and asked that i send a copy of the check, which i did. 
On XX/XX/XXXX, I called to find out the status of the missing check. The representative told me that me that the two payments i made in XXXX ( {$270.00} and {$2500.00} ) were reversed and never told me why because the back office wasnt opened on the weekend and advised i called back on Monday. 
I called back today XX/XX/XXXX at XXXX EST, the first thing the representative told me was that my account was overdue and i told her to read the notes on my account and tell me why the two payments in XXXX were reversed before she telling that my account was overdue. 
She told me that she couldnt tell me why and the back office do not have a phone number to reach them on. 
When i asked she opened a complaint, she thought she put me on mute and she said Lady, Lady, so you are just gon na start on me this morning when i asked her why she would make that comment, she denied it and later said, yes she said so because i asked her why my payments were reversed and she didnt have an answer for me. 
I find this ridiculous and it is likely that Citibank would report a late payment on the credit bureaus and mess up my credit for no fault of mine.
Product: Debt collection

Account with XXXX XXXX was removed and closed from my credit report on XXXX by XXXX XXXX XXXX XXXX XXXX Fraudulent debt was sold to new collector I.C System, INC. Date was opened on XX/XX/XXXX but didn't appear on my credit until XX/XX/XXXX. 

This account is identity theft. Police report was filed and is under investigation, along with that XXXX has been contacted as well but i waited months to hear back from them. I re-forwarded the police report to their fraud department. I have every right to know what number and address this credit company has in file because I have not recieved any phone calls, emails or mail that has notified me that this fraudulent collection was closed or reopened. I have lived in my current address for 5 years and not once received any mail from XXXX that account had been opened under my name or from either one of the collection agencies above. Because they clearly have the wrong information. I want this removed. I am a victim of identity theft.
Product: Credit reporting or other personal consumer reports

Inaccurately reporting an unverified collections account is in, Violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX CO 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
Product: Debt collection

Trident assessment management {$470.00} opened XX/XX/XXXX Last reported XX/XX/XXXX Trident assesment management XXXX perimeter center east XXXX XXXX XXXX georgia XXXX XXXX XXXX XXXX I have never been contacted by XXXX company. There is no possible way this is my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my inquiries have been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate pieces of information about my inquiries are still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my accounts and need to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXS-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date XXXX inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Credit Bureaus was XX/XX/XXXX, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts and inquiries listed below are still reporting on my Credit Reports and need to delete immediately : Experian : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX Bankruptcy Court Bankruptcy Reference XXXX XXXX XXXX Liability : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX A XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am making extra payments that are supposed to be applied to principal but they are waiting 5-6 days to post it, while that's happening interest is accruing on a principal balance that is higher than it should be. Leaving me to make more money because they aren't processing my payment they day the receive it. In addition, they allow for Bi-weekly payments to be made for your mortgage payment which I am enrolled for, but they again wait to apply this payment until the second payment is received. Which again lets more interest to accrue on a higher principal balance than it should be, leading me to pay more and them to take advantage of me by not applying the payment right away.
Product: Debt collection

Portfolio Recovery Associates doubled the charge off balance from a charged off XXXX XXXX XXXX. I have attached a copy of what it shows on my credit bureau reports. Also, they have called my parents ( I am XXXX and they are not authorized in any way to discuss nor use this account ) and numerous times, threatening to have me arrested if they do not pay or they want to serve legal papers but they can be stopped if someone pays. I also have about 18 calls from PRA from the last two weeks indicating they are some bogus litigation dept.
Product: Checking or savings account

Someone opened an account in my name that I did not consent to. They deposited XXXX in the account XXXX time then took it out it looks like from the papers I got in the mail from Wells Fargo. This was around XX/XX/2022. The impact I have had with my credit and trying to make sure no negative marks have gone on my report have been hard. I spent a lot of time on this because wells fargo let 's anyone who steals people info open accounts in their name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a bankruptcy in 2014. This account is not mine
Product: Debt collection

I have called this company numerous of times about this debt not being mine they sent me three fraud packets and i sent all three but they stated that they never received two of the packets which i know was a lie. Then in XX/XX/2020 they did receive the third packet I sent. in XX/XX/2020 i got an email stating that the debt was valid but they didnt send the information I requested at all. While going through this I was speaking with XXXX XXXX who tried her hardest to help me she transferred me to a supervisor Back in XXXX I left a voicemail and never got a call back. Then i called again to ask to speak to the supervisor again and the gentlemen told me that no one can help me and i need to pay the debt i asked why was the information that i requested wasnt sent he stated that they are not required to send that information. I hope that phone call was recorded because those was his exact words to me. I filed a identity theft report with FTC sent over everything that was requested police report photo id. Now i asked them to validate the debt back in XXXX and they didnt respond at all and here it is XX/XX/2020 and still havent gotten the information. I want them to stop collections and remove this off my credit report I AM A VICTIM OF IDENTITY THEFT and they dont seem to care about that. Now i know its past the 30 days from the information i requested from them and they have to remove this because they were not in compliance at all.
Product: Checking or savings account

XX/XX/2022, mailed signed letter requesting to close account ending in XXXX. 
XX/XX/2022, received letter from bank indicating a maintenance fee was charged ( {$7.00} ) Bank failed to close my account and now is charging me a maintenance fee.
Product: Credit reporting or other personal consumer reports

Experian is in violation of 15 U.S.C. 6802, 15 U.S.C. 1666b, XXXXXXXX XXXX XXXX XXXX. CODE ANN. 20.01 20.13, CAL. CIV. CODE 1785.11.2, 15 U.S. Code 1681i, Paragraph ( 5 ) The Credit Reporting Agency is in violation of 15 U.S.C. 6802, 15 U.S.C. 1666b, XXXXXXXX XXXX XXXX XXXXXXXX. CODE ANN. 20.01 20.13, CAL. CIV. CODE 1785.11.2, 15 U.S. Code 1681i, Paragraph ( 5 ) .... My rights by the FCRA, EOCA, and Privacy Act are in violation by the unaffiliated 3rd party ( s ) this complaint is going to. For items that have been placed on my credit report. I have included attached documents of these items. As per 15 USC 6802 ( b ) and ( c ). I was never provided the knowledge of the opportunity to opt-out of my personal information being reported. I then was also not provided knowledge and instructions on how to opt- out of my personal information being reported. In addition I have late payments that are being listed that were never verified and violated my rights per 15 USC 1666b. Both the credit furnisher and reporting agencies are in violation of these acts. They are unable to provide adequate verifiable proof. Lack of this acceptable proof based on the claim is lack of Corporate Compliance and a crime. If the proper recordings matching the letters are not rectified within 30 days and updated immediately with proof of the update. I will next exercise my rights to take legal actions. Since both parties are currently the acting fiduciary agents over my entrusted interests and information. I will bring claims against every company and pressure an investigative review in pursuit of remedy.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been a while since I submitted a disputed. However, the student loans were duplicated on my XXXX  and Experian credit reports. I have tried to remove the duplications in the past, but it's still there. I have a total of 4 XXXX XXXX accounts on my report ( there should have only been 2 ). One loan was paid on XX/XX/XXXX and should be completely removed from all credit bureaus ( over 7 years old ). The other was paid on XX/XX/XXXX which is also duplicated. Currently, I should only be one XXXX XXXX   account which should drop off in XX/XX/XXXX. Please advise.
Product: Money transfer, virtual currency, or money service

As previously mentioned on my previous report : On XX/XX/year> I sent money through MoneyGram because I bought something and the recipient is the middle man for this transaction. The money was supposed to arrive by the end of day on XX/XX/year> but according to the recipient that the money has not been delivered yet. I contacted MoneyGram throughout the day of XX/XX/year> trying to follow up and they said that the money was still pending. At this point, the seller backed out of the deal as the money is not there because I spoke to the recipient and they mentioned that the money still hasn't arrived yet. So on XX/XX/XXXX, I contacted MoneyGram and they told me that the money was successfully transferred. The next thing I know, the recipient blocked me and I can not contact them anymore so I assume that the recipient DID receive the money and ran away with it. I called MoneyGram again and they said that they can not do anything because " the money is out of MoneyGram '' but they did open a case on my behalf but they are unsure if I can get my money back because it is not in their system anymore. The new case number that MoneyGram provided me regarding this possible scam/fraud case is XXXX. Based on my conversation with XXXX of their representatives, I am not sure if they can recover the money hence I created another complaint here incase MoneyGram can not do anything regarding my case.
Product: Credit reporting or other personal consumer reports

I have been trying to apply for a home equity loan or a personal loan to take care of some home improvements and credit card debt, and I found out that I have been denied because the institution has been lying about my credit report and credit score. When I check my own credit score and report, it does not match the information that the bank has.
Product: Debt collection

Third party collection agency New Century Financial Services, filed a judgement against me to claim a debt from XXXX to place a wage execution order. According to the judgement this claim was from XX/XX/XXXX. I paid the judgement in XX/XX/XXXX to a collection agency. Additionally, there was no written notices prior to this regarding an opportunity to set up payment plan. Judgement creditor did not provide me notice prior to escalating it to wage garnishment and the agency never contacted me. When I called for more information regarding the wage garnishment order representative could n't provide me with my DOB and address and asked for my social security number. Additionally representative stated that I physically spoke to someone from XXXX XXXX XXXX XX/XX/XXXX to make payment arrangement. This claim is completely false, I have never spoke to anyone from New Century Financials, Inc. or any other firm pertaining to this matter in person. There was no XXXX transactions in my credit report. Creditor XXXX has never sued me in court to obtain a money judgement against me for garnishment wages. I requested in writing a demand for a bill of particulars to include the unpaid balance on the account, proof the Plaintiff owns the account and they have never sent me this information.
Product: Credit card

Opened a credit card with Comenity Bank. Charged {$14.00} then returned an item totaling {$8.00}. Never received a credit for the return. Have been charged over {$50.00} in late fees since XXXX 2016. Called the bank several times said they will not stop the late charges while this amount is in dispute. Closed the charge account. How can I get them to credit these late charges or stop charging me late fees? Thank you for your help.