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

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY CARD AND PHOTO ID AND OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE A CRIMINAL COMPLAINT TO THE FEDERAL AGENCY I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
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 measure 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: Credit reporting

On XX/XX/XXXX, I pulled a copy of my credit report from Experian. There was an account for XXXX contained therein. On XX/XX/XXXX, I wrote to XXXX disputing said alleged account and asked for validation. 

Experian failed to respond to said dispute within the 30 day time frame. 

On XX/XX/XXXX, I again wrote to Experian requesting them to immediately delete said item since they did not respond to my XX/XX/XXXX letter in a timely manner. 

To date, XX/XX/XXXX, the alleged account has never been validated nor has Experian marked my credit report as being " disputed '' ; although, Experian continues to report said item.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had contacted TransUnion, XXXX and XXXX to remove inaccurate addresses as well as other inaccurate information such as closed accounts or creditors that i did not have. XXXX has not and will not remove inaccurate information from credit report after multiple calls regarding this matter. Now things are being reported to TransUnion, XXXX andXX/XX/XXXX neglect their duties and trampling my rights under FCRA. I've been a victim of identity fraud multiple times and it has been documented with all three bureaus. I truly need your assistance in this matter. thank you
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, I charged {$25000.00} to my XXXX XXXX credit card. All three credit bureaus refuse to accurately submit that I pay my balance in full on all purchases. 

This is fraud that millions of customers are being wrongly scored. 

I demand, respectfully, a class action suit against all 3 credit bureaus. 

With my XXXX XXXX  and 15 years of management of tens of billions of dollars every year, I promise I can prove that credit bureaus are intentionally damaging consumers and their credit ratings, for profit. 

Point : a customer that, for years, charges to their credit, but, pays the balance in full every single month, accumulating rewards, paying XXXX interest. 

I made {$250.00} dollars ( should have been {$500.00} ) in rewards, on my XXXX XXXX card. The company, XXXX, refused to honor the XXXX XXXX charge, 2 % bonus, but honored the 1 % reward. 

Please consider me a key witness, that can explain this before XXXX XXXX, and all honorable members of Congress, to protect citizens, from rogue credit bureaus, dumpster divers, that now force citizens to pay for righting wrongs.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I looked into my credit report, I found that there was inaccurate. The 3 credit bureaus must verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Without providing proof within the allowed time frame, it is unacceptable to classify this reporting account as unverified information. Sections 611 ( a ) ( 1 ) and 609 ( a ) ( 1 ) ( A ). Please look into the unverified account ( A ) : XXXX XXXX XXXX Balance : {$10000.00}
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear WAKEFIELD & ASSOCIATES, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouri state identity theft and credit reporting laws, specifically Section 570.223 of the Missouri Revised Statutes.

It has unequivocally come to my attention that WAKEFIELD & ASSOCIATES has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consumers consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouris identity theft statutes, particularly Section 570.223, criminalize the unauthorized use of personal identifying information, including the illegal access, use, or dissemination of personal data for fraudulent purposes. This includes unauthorized credit reporting that impacts a consumers financial standing.

I assert with unwavering certainty that I have not provided consent for WAKEFIELD & ASSOCIATES to report any information to my credit report. This undeniable lack of explicit permission constitutes a clear violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and Missouri state laws. 

I demand, with the utmost certainty, that WAKEFIELD & ASSOCIATES immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state law under Section 570.223. Failure to comply within the stipulated XXXX-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including Missouris identity theft statutes.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that WAKEFIELD & ASSOCIATES will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I submitted a wire transfer request from my bank to Coinbase to fund my Coinbase account. The wire transfer I submitted was for {$5000.00}. 

Wire transfers are supposed to post immediately. 

On XX/XX/XXXX I received an email from Coinbase informing me that they could not apply the funds to my account due to a naming mismatch. In the message Coinbase stated that it could take up to seven business days to process the refund / redeposit. It also stated that in case you do n't receive the funds within 7 days to contact them via a support email address. ( XXXXXXXXXXXX ). 

On XX/XX/XXXX I emailed Coinbase to get an update and received no response. 
On XX/XX/XXXX I emailed Coinbase to get an update and received no response. 
On XX/XX/XXXX I emailed Coinbase to get an update and received no response. 

On XX/XX/XXXX I called Coinbase support and after explaining the situation I was told that my ticket was going to get prioritized and that I was going to get an update as soon as possible. Now a week later, I have yet to receive any kind of update.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

( Original Creditor : ) XXXX
Product: Credit card or prepaid card

I found a {$1.00} charge on my Robinhood Credit Card in XXXX, FL. The transaction said that it was made in person using XXXX XXXX. However I have never been to XXXX, Florida. 
Even though the transaction was declined, I would like Robinhood to do a thorough investigate.
Product: Payday loan, title loan, or personal loan

Early XX/XX/2019. I responded to an opportunity to apply for a loan Rocket Loans,  which is a sister company of XXXX XXXX, my mortgage company. 
Turned out Rocket loans requires access into a persons bank accounts as part of the loan approval process, which was for {$8000.00}. I am a XXXX. They told me this practice is safe and is approved by the XXXX XXXX XXXX and to trust them while they are in my bank account. Against my better judgment, I got on my computer with them on the phone and helped them access my bank account. I was also asked to click on auto payments while I was in there. There was a hitch, however, I also send part of my salary to another bank, and the Rocket loan program could not do two banks, so instead, they set up the program to let me attach two weeks of pay stubs, which I did. Two days later, they said, they fixed the program so it can also access my other bank if I let them in.. I was then told it was due to anti-money laundering regulations or something.. I had enough. It all sounds fishy. 
This is a VERY intrusive process, and it made me feel like I was being XXXX. Even my bank had warned me not to do it but I really wanted the loan. I guess that is just one loan  company but every creditor will want to do this if they can unless someone steps up and protects us, consumers.
Product: Student loan

I have 5 loan groups under NelNet corresponding with 5 loans I had taken out for various semesters of school. I activated auto debit on my student loan account to pull a total amount of ~ {$270.00} from my checking account to be applied to the 5 separate loans for the amount due for each loan group every month. 
On XX/XX/XXXX an autodebit for ~ {$270.00} was pulled from my checking account. This was supposed to be applied to the amount due for each loan group. 
The payment was pulled for the correct amount but was only applied to 1 loan group. The other 4 loan groups reported that a payment was made on XX/XX/XXXX but no payment was actually applied and interest continued to accrue between the last payment that was processed on XX/XX/XXXX and XX/XX/XXXX : when my monthly payment was due. The 4 loan groups were reported as current and paid however no payment was applied, no interest or principle was reduced, and my due date was moved to XX/XX/XXXX as if I had made my XX/XX/XXXX payment. The 1 loan group that had the full {$270.00} payment applied had most of the payment go to principle and pushed my due date for that loan forward into XXXX of XXXX. I called NelNet on XX/XX/XXXX who reported that they submitted a ticket to have the payment amounts corrected and to have all future payments corrected should the ticket be processed after my XX/XX/XXXX payment. 
By XX/XX/XXXX the payment was still not corrected and a second call was placed. The representative reported that the ticket was still in progress and could take up to 6 weeks to be completed. During this time interest was accruing on the 4 loans groups that had an erroneously reported payment for XX/XX/XXXX. 

On XXXX I made a payment of {$75.00} to pay down the interest that had accrued on the 4 loan groups that were not paid on XX/XX/XXXX. This was interested that should have been paid with the XX/XX/XXXX payment. 

On XX/XX/XXXX I made my monthly payment to each loan group manually but had I not paid extra interest in XX/XX/XXXX my entire payment on XX/XX/XXXX would have only gone to interest that was left unpaid on XX/XX/XXXX. 


As of writing this complaint, there has been no update from NelNet on the status of my ticket, they have no corrected my payment at all, and I have paid about {$75.00} in extra interest that accrued on my loans due to NelNet reporting a payment being made that was never applied.
Product: Debt collection

Please don't close this complaint by mistake the previous complaint got closed by your system, I called earlier spoke with XXXX her ID # XXXX she gave me the OK to open a new Inquire against " Credence '' Debt collector for a different Product They tried to collect money from me.This complaint is different from the previous one I filled before because is different product is for Internet and Video Services and the amount of Money is different too. 
Please see my Attachment " Dispute Letter ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

For over a year I have been trying to fix the improper Foreclosure statues that keeps getting reported to my account even though the account in question has been proven by XXXX XXXX that there should not be a XXXX status reported. I will be attaching a document from XXXX XXXX that shows proof from them that the account should not be in XXXX status. 
The account in question is : XXXX XXXX XXXX Mortgage -Property sold on XX/XX/XXXX of 2020. 
Actions taken are : - Discussed issue with XXXX XXXX - Received document to clear FC from XXXX XXXX XXXX - Talked to All three Credit bureau and filed dispute on XXXX XXXX - Submitted one claim to CFPB : Claim FAILED by CFPB - Disputed with again with ALL Three Credit Bureau 's and still no change.
Product: Student loan

The promissory note for my FSA is invalid and expired per the following : 1. Student loan promissory notes Borrowers may sign a promissory note when they take out private or federal student loans. Federal student loan borrowers may sign a Master Promissory Note ( MPN ) that can be applied to multiple loans.

By signing the MPN, a student agrees to repay all loans according to the terms and conditions of the MPN. Federal student loan MPNs are currently valid for up to 10 years. 

My FSA consolidation promissory note was signed in XXXX it is now 5 years passed XXXX which was 10 years. It is now XXXX 15 years passed the date of validity. 

2. Except as provided in subsection ( e ), an action to enforce the obligation of a party to pay a note payable at a definite time must be commenced within six years after the due date or dates stated in the note or, if a due date is accelerated, within six years after the accelerated due date.

3. A promissory note is a written promise to pay within a specific time period. This type of document enforces a borrower 's promise to pay back a lender by a specified period of time, and both parties must sign the document. Only one signature is on my promissory note mine! There is no specified time on the promissory note!

4. A promissory note is valid for 3 years from the date of its execution. Post this period it will become invalid. Also read : Bill of Exchange. I lived in Virginia at the time of the signing of the promissory note XXXX the time limit in Virginia is 6 years. The note was signed in XXXX it is now 15 years past the signature date for the State of Virginia.

5. The note must be written by hand. My Student Loan Promissory note is not hand written. The note must be stamped by revenue stamps as per the rules of the Indian Stamp Act. Promissory notes are valid for three years only. There is no limit on the amount to be borrowed for a promissory note to be issued.XXXX  XXXX, XXXX XXXX. All Promissory Notes are valid only for a period of 3 years starting from the date of execution, after which they will be invalid. There is no maximum limit in terms of the amount which can be lent or borrowed. The issuer / lender of the funds is normally the one who will hold the Promissory Note. The Department of Education is the loan holder not ACS or XXXX. 

The promissory note for my FSA is invalid and has expired per the above. 

Close my FSAL now!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was part of the Equifax credit information hack I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. No American can sign up for any service or financial account without being validated by these three, so this is a forced requirement. 

Congress should federally mandate that credit freezes, unfreezes, and reporting be made available at no charge and with no conditional requirements ( ie : signing up for credit protection services offered by the agencies or their vendors XXXX. Our ability to BE American citizens relies on our ability to control our credit reporting. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they allow breaches that can cause permanent financial and identity harm. 

Thank you for taking time to read my complaint.
Product: Checking or savings account

Around XX/XX/2019 I opened a checking account online with Chase Bank 3 days after account was opened the Company decided to force close my account when I confronted their corporate office about what had happened I was informed that it was an internal decision I asked for a statement of reason why they chose the decision the Company refused to give me the reason saying that they did not have to provide me this reason I believe I was discriminated against because of someone or some information internally used within this Company and I have the right to know as a consumer
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block Inc. ) due to inadequate customer service and unfair practices violating the Customer Financial Protection Act ( CFPA ). Specifically, CaspApp 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 the 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 those violations.
Product: Credit reporting

XXXX and XXXX, both have errors on my credit reports. Each error is different with each agency. XXXX is listing employment places I have n't worked at for 7-10 years. I want it removed. I 've been on XXXX for 8 years. Why are they still showing up?
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting two accounts incorrectly. They should be removed from from credit bureau report with their agency. Also I have been calling since the beginning of the year and they have some kind of block on my account that prevents me from accessing it online. I have called many times with a promise of a call back that never happens. The two inaccurate accounts are : XXXX XXXXXXXX XXXX and XXXX XXXX.
Product: Debt collection

Previous options did not best describe scenario. 

I have received 3 letters from XXXX  XXXX inviting me to speak to them about hardship due to Pandemic. When I call, I am not allowed to speak to them, I am transferred back to debt collection and say im not allowed to speak to any other department. 

Authenticity of the letter was challenged and I was told to scan and send document, which I did. They have not responded. 

I am willfully being denied my consumer right to speak to any department at American Express, on more than 2 occasions. This is against FCRA rules. 

By the way, American Express raised my credit limit twice without my consent. this was a contributing factor to my situation.
Product: Credit card or prepaid card

I Was A Victim Of Fraud And Somebody Opened Up A Credit Card In My Name
Product: Debt collection

The debt was paid in store and in full before we were able to switch names on the account from my name to my spouse 's name. We switched names because of an added discount for which she qualified through her employer.
Product: Money transfer, virtual currency, or money service

I hope this message finds you well. I am writing to express my deep concern regarding the recent permanent limitation placed on my PayPal account ( email : XXXX ). I strongly believe that this limitation is the result of a misunderstanding or an error. I have always been a responsible and compliant user of PayPals services, adhering strictly to the platform 's policies.

I would like to assert that I have not engaged in any activities that could violate PayPal 's terms of use or policies. Its crucial for me to highlight that I highly value the services PayPal offers and the seamless experiences it provides for online transactions. I have taken great care to ensure that my account is used within the boundaries of PayPals guidelines.

I kindly request PayPal to reconsider this limitation by re-evaluating my case comprehensively. Mistakes can happen, and I am hopeful that upon review, it will become evident that my account does not warrant a permanent limitation. I am ready and willing to cooperate fully with any investigation that may be required to rectify this situation. 

I understand the importance of maintaining a safe and secure online ecosystem, and I fully support PayPal 's commitment to this objective. If there has been any unusual or suspicious activity associated with my account, I assure you it was not of my doing. I am dedicated to resolving this matter and regaining access to my PayPal account. 

I kindly request that PayPals team of experts re-investigate my case with utmost consideration. If the situation warrants, I sincerely hope that you will see fit to reinstate my account, allowing me to resume the normal use of PayPal 's services. 

I appreciate your attention to this matter and your understanding of the urgency I feel to resolve this issue. Thank you for your time and consideration.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX