23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

On Saturday XXXX/XXXX/2015 there were XXXX ATM transactions made to my SERVE prepaid card, A card issued by some branch of AMERICAN EXPRESS. The transactions were for {$200.00} each for a total of {$400.00}, On XXXX/XXXX/15 I went on-line saw the error and immediately reported it to the XXXX, They sent me a fraud affadavit I filled it out and returned it on the XXXX/XXXX/15. on the same day XXXX/XXXX/15 I got an email stating that the dispute was denied and my account had been closed. It also says I have the right to any documents they may have relied on in making there decision. So I called and said I did not make the transactions and i did not know anything about them. i still have my card and i never gave anyone my card info or my PIN number. They Would not tell me how they came to there decision or give Me the documents they used. They dont even know what bank they are no one there will tell you anything. They will never let you talk to a supervisor, they put me down for a call back and I never got XXXX. 

I feel like they are just trying to strong arm me by telling me there decision is final, I do not think that they did any kind of investigation. and they definitally do not have anyproff that says i am responsible for the transactions Because I know i did not make them. 

Please help i am out {$400.00} plus some fee they charge every time the card gets used at an ATM. 

They are not following the law, they did not prove anything they are just trying to say it is my fault with no proof and that is not fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously had a car loan with XXXX XXXX XXXX I had auto payment so I had received a call from their internal collections department but the car actually came from a family members phone and it turns out they are employee use the app to make a phone call to me so I will pick up the phone I contacted XXXX XXXX XXXX they excepted responsibility and I end up talking to the president Call center we could not agree on a solution XXXX XXXX XXXX finally canceled the loan I still have the vehicle XX/XX/XXXX set a XXXX form after several complaints not only to the CFPB but to the XX/XX/XXXX they updated my balance is XX/XX/XXXXbut have failed to remove the account from my credit report they sent a letter to me stating they are no longer collecting on the debt but again they have not removed it from my report.
Product: Credit reporting or other personal consumer reports

On about XX/XX/2024 I disputed to all credit reporting agencies, of the incorrect information about money owed, on my personal loan and my two credit cards. As soon as I did that my prefect scores of XXXX, XXXX, XXXX, vanished, from my credit report. My XXXX  scores went from XXXX to were it was Unscorable, and into the XXXX, like starting me, from the beginning as a newbie. Ive had my two credit cards, for close to twenty years, with the same company, not twelve years like the agencies claims.Plus they have me as having three credit cards, not correct. I only have two. And One loan that Ive paid faithfully for over two years, they had the wrong amount owed on that too. I need this matter rectified and resolved immediately. Ive sent the three reporting agencies a letter of correction and theyve done nothing. Im concerned, as to why arent these agencies not correcting their errors. And I thought that those credit agencies were full proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed some inaccurate items on my credit profile that should not be on there ( XXXX XXXX, XXXX XXXX, XXXX XXXX ). I asked very specifically to let me know the method in which they went about their investigation. Their method was never communicated to me. This leads me to believe that they are consistently using some computer generated artificial intelligence with my disputes. After speaking to a rep yesterday ( XX/XX/2022 ) I was told that they use a computer to contact the credit card company to VERIFY this information. This verification method holds no validity as they are getting a simple Yes or No without a true investigation. They dont provide a day that these accounts were allegedly applied for, an IP address, or a signature. This company is HORRIBLE. They dont have a true investigation.
Product: Student loan

On XX/XX/2022 I received a call and text from XXXX XXXX and XXXX XXXX, using ( XXXX ) XXXX. The message stated they were calling directly from the Department of Economic Impact. They wanted me to call back to enroll me in the student loan forgiveness program offered by the Biden administration. I called back and XXXX XXXX answered, he enrolled me in a program where I would make XXXX payments of {$190.00} USD directly to Nelnet, each monthly and with a XX/XX/2022 start date. After the 5 months, I would make {$39.00} USD payments directly to the Department of Education. I was told a total of {$31000.00} USD was deducted from my student loans. However, on XX/XX/2022 I realized the agreement I signed was very different from my recorded conversation with XXXX on XX/XX/2022. Instead of describing direct payments to Nelnet and the Department of Education, which XXXX XXXX guaranteed, the agreement stated payments to a third party by the name of XXXX XXXX. On XX/XX/XXXX, I became aware of frauds using the Biden administration as pretext. On XX/XX/XXXX, I froze and canceled my debit card, information which XXXX XXXX had collected during our call the day prior to start monthly payments to Nelnet and the Department of Education. My bank representative shared that they had received several calls similar to mine. After freezing and cancelling my debit card, I noticed that the agreement I signed did not entirely match the legal entity or agreement that XXXX XXXX stated he represented. Instead, he represented XXXX XXXX. On XX/XX/2022 I emailed XXXX XXXX to withdraw my consent from our agreement, effective immediately, and I notified him that I would be reporting him and his business to FTC for fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In both respective reports XXXX and XXXX Equifax is violating my FCRA 15 USC and continues to respond that changes are made instead of deleting the entire reporting as requited by the law. 

I have recently filed a complaints XXXX and XXXX addressing Equifax repeated violation of my FCRA act rights protected Under 15 USC 1681b - permissible purpose of consumer reports, with the XXXX  XXXX XXXX XXXXXXXX XXXX XXXX 60 day late payment reporting for XX/XX/2021. 

THE LAW CLEARLY STATES IN GENERAL that a. Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I have never given EQUIFAX written instructions to furnish this on my credit report.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include A. Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Failure of Equifax to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against them provided by the law, for which I will also be seeking {$1000.00} per violation for which will include Defamation of Character ( per se ), Negligent Enablement of Identity Fraud, Fair Debt Collections Practices Act 15 USC 1692g violations, and Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for liability for willful noncompliance [ 15 U.S.C. 1681n ] Equifax response in both complaints XXXX and XXXX as attached here make changes to the reporting and stating Consumer Disputes this account Information while still in violation of my FCRA with the transactional details the law excludes Equifax and other credit bureaus from reporting. 

Equifax present a constant reference to investigate with the reporting agency as a inapt procedural method they have to follow to address my concern, which is in fact an unnecessary act. Equifax is the law breaker here. Equifax is required by law to specifically address this issue and not give an invalid response that they need to investigate with reporting company who has no ability to violate FCRA 15USA 1681 on my consumer report because they are not the reporting consumer agency in control of the excluded transactions history being reported in my consumer files as Equifax themselves are in control of this violation.
Product: Credit reporting or other personal consumer reports

USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations o
Product: Student loan

I have 4 loans on standard repayment and XXXX loa ns on XXXX. My servicer is Nelnet. All of these loans should be on XXXX. I have tried getting this resolved with my servicer since the beginning of XXXX. I was told by a customer service representative that all of my lons should be on XXXX and that her correction would take 2 weeks to process. I called back 3 weeks later and the representative told me that correctiobs were taking up to 28 days to process. Almost 2 months later and still no changes. 
I applied for income-based repayment two years ago and my application was accepted. Nelnet also put the 4 loans on standard repayment on forbearance, but interest is still accruing and my problems have no been resolved. Also, they are supposed to offer a .25 % in interested reduction if we sign up for auto-debit ( which I did ) and now that my loans are in forbearance I no longer get that .25 % interest reduction
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax sustained a data breach that compromised my personal information and puts me at increased risk for credit fraud, identity theft, and hardship. 

I 've already had to spend {$21.00} on credit freezes and multiple hours of my time in order to fully research the situation and protect myself as best as possible given the tools available to me.
Product: Checking or savings account

I went to the Bank of America ATM at XXXX CA and deposited {$5900.00} all at once, I know, the ATM says 40 bills at the time, I apologize for that. For some reason the ATM started acting weird and making some weird noises, after a good few minutes waiting for the ATM to be done I get a screen that says to type in my deposited amount so I said {$5900.00} so I never got my money back from the ATM. 

I went to my online banking to see only {$400.00} deposited so I called the bank and talked to a Bank of America representative ( XX/XX/21 ), somehow the disputed {$5900.00} became {$5600.00} without my knowledge, I have a messages from XX/XX/21 at my Bank of America online and see that the disputed amount became a final {$4600.00} missing {$1300.00} from the deposited amount and it seems Bank of America don't care because they already took their decision on their favor. 

I know machines are awesome but we can't relay on them all the time.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts, inquiries, and addresses I do not recognize are continued here. 
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/year>
Product: Credit reporting or other personal consumer reports

I have contacted Equifax by phone regarding the results of disputes I have submitted, and was told by a representative that the results were mailed to me. I have not received investigation results through the mail nor have I received results online. I have not received the results of the following investigations : Confirmation number : XXXX Submitted XX/XX/XXXX Completed XX/XX/XXXX Confirmation number : XXXX Submitted XX/XX/XXXX Completed XX/XX/XXXX Confirmation number : XXXX Submitted XX/XX/XXXX Completed XX/XX/XXXX Confirmation number : XXXX Submitted XX/XX/XXXX Completed XX/XX/XXXX Confirmation number : XXXX Submitted XX/XX/XXXX Completed XX/XX/XXXX Confirmation number : XXXX Submitted XX/XX/XXXX Completed XX/XX/XXXX Confirmation number : XXXX Submitted XX/XX/XXXX Completed XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

To start with I had {$870.00} in my checking account. 
I had received a voicemail from a XXXX XXXX, phone # XXXX, his employee # XXXX, in supposedly, XXXX XXXX, CA. He said headquarters in XXXX, XXXX for his company of Light Stream, a division of SunTrust Bank. He stated I could get a loan up to {$9000.00}. He already had some of my personal information, such as my phone number to leave me the message about a loan. Since he stated he was with Light Stream, I assumed it was legitimate. To process the loan he stated he needed to deposit {$980.00} into my checking account to make sure my information was correct, then he wanted me to transfer {$950.00}, by way of XXXX transfer, to him ( but the name was XXXX XXXX that was shown ). Then he deposited the {$980.00} back to my account, supposedly paying me back. Then he stated I needed to go to a store and get a prepaid debit card for the {$980.00} and call him the card number. That is when I got really suspicious. I told him I did not have a way to a store at that time. He wanted me to call a taxi or somebody to take me. I told him I would call him back after I got to the store. But instead I called my bank and the bank was calling me at the same time. They said my account was looking suspicious, so I told them to lock it. I did not get a prepaid card, but they got me for {$870.00} and so my account is in the RED now. So I have been SCAMMED much to my own fault and not realizing it. I hope these scammers get caught and not hurt anyone else.
Product: Mortgage

I applied for a mortgage through JP Morgan Chase for {$980000.00} for a first mortgage refinance. They sent me the Loan Estimate in the mail with all the pertinent information. 
Interest rate for 30 years fixed was 2.5 % with closing costs at {$20000.00}. Monthly pay for principal and interest was {$3800.00}. 

No issues with any of that. 

When I called on the phone to proceed the rate was 3.375 % with a {$4400.00} payment but if I wanted the 2.5 % then instead of {$20000.00} in closing costs it would be {$38000.00}. 85 % more. 

How can a firm put this in writing to you and just blantantly lie to you. 

There should honor what they sent. Rates went down within the seven days after I received the letter and called.
Product: Credit reporting or other personal consumer reports

As per FCRA 605B, it's imperative to expunge any erroneous entries from my credit report. Could you verify the documents? Some of the listed accounts exhibit inaccuracies in reporting.
Product: Credit card

i received a letter from American Express saying " I have been qualified and enrolled in the Select & pay Later feature .... If you do not wan to be enrolled in Select & Pay Later, please contact us ... " If you cancel you will not be able request this program in the future back. 
They list the charges at 18.49 % APR. 
This is was in a letter that could have been easily thrown out. This is not something I asked for. This is a way they can trick customers and force them to pay high interest charges when they sign up for credit card which is designed to have the balance paid off at the end of the month. This is predatory behavior and should be stopped. They need to ask your permission to enroll in the program, not you must call in to cancel something you did not ask to be enrolled in.
Product: Credit card or prepaid card

On XX/XX/2020, I hired someone for an office manager position at a XXXX  I own. Within days, she began using my Capital One credit card for numerous unauthorized charges, unbeknownst to me. Over the course of several weeks, she continued to increase this behavior to fund her personal expenses and several expenses for another business she was trying to start, in the amount of {$6600.00}. As this came to light, we approached the employee about it, at which point she tried to conceal the nature of the charges through various lies. She was fired immediately as she'd demonstrated herself to be a fraudster. I reported the fraudulent charges to Capital One at that same time. Initially, they reversed the charges. Subsequently, they reinstated the charges stating that this does not constitute fraud.
Product: Debt collection

On XX/XX/year>, I formally requested proof that I am the party responsible for the alleged debt in question. Specifically, I asked for documentation verifying my obligation to pay this debt, including a valid contract or agreement binding me to this obligation. 

In response, I was provided with an electronically signed lease. However, this document does not adequately establish that I am the individual responsible for this alleged debt, nor does it definitively prove its validity. Additionally, the party that provided this documentation is the original creditor. 

Thank you for your time and attention to this issue.
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 Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. Causing me to loss more that {$600.00} and instead of resolving the issue they close my account and Im no longer able to open or recover my account.
Product: Debt collection

This Mortgage debt with Selene Finance has been discharged in a bankruptcy filed legally and document with U.S. Bankruptcy Court XXXX XXXX of Missouri. Currently on my credit reports it shows that the listed account for Selene Finance, a real estate mortgage account as having a closed as " derogatory '' status as of the date of XXXX XXXX, 2012 which happens to be the same date of the Chapter XXXX Bankruptcy filing which included this creditor. The creditor seems to insist on reporting incorrect information on my behalf.
Product: Checking or savings account

On XX/XX/ 2022 at XXXX, I recieved an email invoice ( number XXXX ) from XXXX XXXX XXXX XXXX XXXX, reflecting {$2000.00} for XXXX car parts. I then checked my TD Bank account through the app and saw that there was a " pending '' charge of {$2000.00} against my account. I immediately called the TD Bank customer service line to report this transaction as fraud. At that time, I had my debit card in my possession. Incidentally, I reside in XXXX, Pennsylvania, and XXXX XXXX XXXX lists their address as being in XXXX, Georgia. 

TD Bank advised that they filed the claim and they would investigate it. I was advised that within 3-5 business days, the {$2000.00} would be credited back to my account. I was also advised that they would be conducting a complete investigation to confirm that I was not the one who made or authorized that debit. I offered to send any documentation that they might need and was told that they would let me know if they wanted the documents from me. 

I received the credit within 3 days. I then received a call to confirm that I received the amount, the claim was filed, and they were investigating it. I again offered to send any documentation that they might need and was told that they would let me know if they wanted the documents from me. 

On XXXX XXXX, 2022, when checking my balance on the app, I noticed that {$2000.00} credit was reversed on XX/XX/2022. I called customer service again and I spoke with a supervisor ( XXXX ) and was advised that because the claim was filed and denied, there was nothing else they could do. I was told that it was denied because they reached out to " the merchant '' and the merchant provided documentation that I somehow had authorized this transaction. I was told that if I refiled the claim, it would be denied again and that my only option was to go to the police.
Product: Debt collection

i explicitly told Stellar Recovery not to contact me by phone as my collection is part of a Debt Management program and being paid monthly to them. they continued to repeatedly kept calling me daily and multiple times a day.
Product: Credit reporting or other personal consumer reports

As a federally protected consumer I have opted out of any consent I may have given, knowingly or unknowingly, written or verbal pursuant to 16 CFR Part 642. 



In XX/XX/year>2024, I called and notified that I was a victim of identity theft. I was instructed to submit a copy of the police report. I submitted my police report for identity theft and the items were removed, however, they were put back on my report. I called again regarding this issue in XXXX of 2024 as well as to notify that my information had been part of the data breach. This reporting agency not only failed to protect my personal and financial information, but they continuously report inaccurate and false information, despite receiving documentation that refutes the report. 

This reporting agency failed to follow reasonable procedures to ensure the accuracy of my credit report, as required by 15 U.S.C. 1681e ( b ). This a direct violation of the FCRA and the Consumer Financial Protection Act. They have conducted sham investigations rather than properly reviewing the disputes as required by federal law. They have also refused to investigate hard inquiry disputes and ensure previously deleted tradelines are not improperly reinserted into a consumer 's file.

This reporting agency has marked the disputed accounts as " disputed '' on my credit report. The derogatory remarks have caused me significant harm, including but not limited to : financial losses, denial for credit, extremely high interest rates, emotional distress, loss of business, loss of access to funding.