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

I need urgent help recovering {$650.00} from a fraudulent transaction made through Cash App. On Wednesday at XXXX XXXX, I agreed to purchase a PC from a seller using the name XXXX XXXX XXXX XXXX, with the XXXXXXXX XXXX XXXX. The seller repeatedly messaged me, insisting that I needed to send the payment by XXXX XXXX  or the package wouldnt be shipped. They also claimed that if their boss had to handle it instead, I would be charged an additional {$100.00} fee. 

Under pressure to meet the deadline, I took out a loan and sent {$650.00} at XXXX XXXX  through Cash App. As soon as the payment went through, the seller blocked me on all platforms and disappeared. I attempted to contact them multiple times, including by requesting money on Cash App with messages like I took out a loan for this, and youve still given me no response, but I never received a reply. 

I reported this to Cash App, provided screenshots, and asked for help, but they have not issued a refund or been helpful in any way. I work at a college, and this PC was an important investment for my job, so I urgently need to recover this money. 

Please let me know what steps I can take next. Id really appreciate any assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around early 2017 I became a victim of Identity Theft that resulted in an arrest of a suspect who was detained under my name on or around XX/XX/2017 which still continued once he was released on bond ( see attached court documents ). After receiving a copy of my credit reports I have noticed numerous names, addresses, phone numbers, employment, inquiries, accounts not affiliated with me. Finally was giving a disposition of the cases once it was closed so I can dispute this matter with all the bureaus and any other agencies that protects Identity Fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I tried to do an online request of line if credit increase. The website said that a credit report wont be pulled. My credit line increase was declined and the bank sent me an email of the credit limit being declined. On the same day someone from the the credit card company pulled my credit report and increased my line of credit without my concern. After calling the bank the refused to remove from the credit report and keep on telling me to file a dispute with the credit bureau.
Product: Mortgage

We applied to refinance our mortgage ( same company as the present mortgage, but at a lower interest rate and for fewer years ). I was told it should take 20 XXXX days to complete but it seemed there was XXXX issue after another ( some of which I did n't understand ) and it ended up taking XXXX days til we signed. Communication between the mortgage company and us was very poor. When I would finally get through to the person I was to talk with, I got excuses why things were n't moving along as promised and they were very slow to return my phone calls. I never did talk to the loan originator that was listed on the paper work, only the loan processor who seemed never to have answers, only vague excuses.
Product: Student loan

Mohela denied me opportunities to lower my monthly payments. 

Mohela charged off my account without any warning when I only had {$10000.00} left to pay on the account. 

Mohela did not explain the consequences of a charged off and that the default date would happen on XX/XX/2023. 

This timeline establishes that a least week before the discharge/default, Mohela did not give me any warning that my loan would be in default on XX/XX/2023. 

XX/XX/2023 I received an e-mail from Mohela with the subject line, Final Notification, which stated : Your private education loan is being reviewed for assignment to a collection agency. I called Mohela immediately to discuss a repayment plan. I was and still am unemployed, but I was willing to use the last bit of money I had to avoid default. I spoke to a representative and applied for a Loan Modification. I was denied. Apparently, my expenses exceeded my income, so I could not qualified for the lower payment. My monthly payments were {$1000.00}. I could not qualify for a lower payment of {$200.00}, which I offered to pay right then on the call. This did not make any sense as the reason why I am experiencing a hardship is because I do not have sufficient income to meet all my expenses. 

XX/XX/2023 I receive a letter from Mohela with this date in which they said that my request for a Loan Modification was not approved. The reason for the decision in the letter is : Your current stated cash flow is not sufficient to repay the loan within the parameters of the loan modification. 

XX/XX/2023 The account was discharged ; I did not receive any calls from Mohela on this date to warn me about what was going to happen and to try to work with me to make a payment. If I knew this would happen, I would have asked my friends or Dad to borrow money to delay the default.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block.Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFTREPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing to express my deep frustration and disappointment regarding the ongoing issue of fraudulent items persisting on my account. Despite my repeated attempts to address this matter, I am disheartened to find myself addressing it for the fourteenth time. 

The repeated failure to address this issue reflects poorly on your company 's integrity and commitment to customer satisfaction. I have cooperated fully and provided all necessary information, yet the problem remains unresolved, eroding my trust in your organization. 

I demand immediate and decisive action to rectify this situation. I insist that the fraudulent charges be promptly removed from my account, and any associated fees or penalties resulting from this oversight be waived without delay. Furthermore, I expect a formal apology for the inconvenience, frustration, and financial harm caused by this negligence. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information were 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 the Credit Bureaus was XX/XX/2022, 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 items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX : XXXX XXXX XXXX # SPC XXXX LA XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, IN XXXX Balance {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX Balance EQUIFAX : XXXX XXXX XXXX I XXXX Balance {$0.00} XXXX : CXXXX XXXXXXXX XXXX {$0.00} XXXX XXXX Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I Do not recognize or no what these inquires are on my consumer report that you are reporting these are fraudulent inquires that i want removed from my consumer report. 




XXXX - XX/XX/2021 XXXX  - XX/XX/2021 XXXX-XXXX  - XX/XX/2021 XXXX  - XX/XX/2021
Product: Credit reporting or other personal consumer reports

I am submitting a dispute to investigate the wrongful reporting of these accounts on my credit file. Per the Fair Credit Reporting Act, I should receive {$1000.00} for each false report. I understand that FCRA 605B requires reporting of any incorrect accounts on a consumer 's report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being ignored and disrespected. Section 611 ( a ), plainly states that failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. I demand these accounts be deleted immediately other wise I will file litigation due to the stress and loss of income that this bad credit rating caused me. Per my attorney, my information was impacted by the XXXX data breach and this may be the way my information got into the wrong hands
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit reporting agencies are required to remove any accounts listed on an id theft report. Please find the attached documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of accounts that do not belong to me or were opened without my permission. XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$490.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted in from alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Vehicle loan or lease

I successfully paid off my car loan in XX/XX/2020, but Ford Credit did not send me a coy of the car title nor did it transfer anything to the Virginia XXXX. Ive tired to obtain the title from Ford but theyve been unresponsive.
Product: Mortgage

Freedom Mortgage Corporation is in violation of 15 U.S.C 1666. ( b ) ( 4 ). Which states, the creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. Credit was extended to me based on my credit card, which is my social security card and means that the statement shows a positive balance as it relates to the balance owed when it should reflect a negative balance if it is actually owed. Since it reflects incorrectly this is a direct violation. 

Fact, I am sure the removal of any and all alleged delinquent payment history and account information from your website, company records, consumer bureaus or any and all derivatives therefore, of, and/or with affiliates will ensure my privacy rights wont be violated due to my lack of consent, 15 U.S.C 1681b ( 2 ) Fact, please show good faith in this matter by expediting the securing of the alleged delinquent payment history, information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of defamation of character. 

Fact, 15 U.S.C 1666. The amendment prohibits creditors from taking actions that adversely affect the consumer 's credit standing until an investigation is completed and affords other protection during disputes. The amendment also requires that creditors promptly post payments to the consumer 's account, and either refund overpayments or credit them to the consumer 's account.
Product: Credit reporting or other personal consumer reports

Hello. This is not sent in error. I am a consumer and information furnished to your agency regarding my credit history was provided without my written consent. This violates my rights as a federally protected consumer. 

XXXX XXXX XXXX XXXX I have reviewed my credit report and found no evidence that I have authorized the furnishing of my personal information to your agency. I have never provided written consent for any creditor or other entity to report information about me to your agency.
Product: Student loan

I SUBMITTED A RECERTIFICATION ON XX/XX/23 TO UPDATE MY ACCOUNT TO REFLECT THE RIGHT PSLF PAYMENT COUNT. I CALLED AND CALLED AND NEVER GET TO ANYONE. THEN I GET A MESSAGE FROM MOHELA VIA THE WEBSITE. THEY XXXX SAY " OH WE SEE YOU CALLED IN AND SPOKE TO SOMEONE, SO WE ASSUME YOUR PROBLEM IS RESOLVED. '' ITS NOT RESOLVED AND THIS IS HOW THEY TREAT STUDENT LOAN BORROWERS. THIS LOAN COMPANY IS TERRIBLE AND INCOMPETENT. THEY EVEN HAVE WRONG NUMBERS AND EXTENSION ON PRINTED MATERIAL! 

THEY ALSO HAVE NO CLUE ABOUT MY IDR 1 TIME ACCOUNT ADJUSTMENT! THEY HAVE NO CLUE ABOUT ANYTHING AND I AM GETTING TIRED OF DEALING WITH THEM!
Product: Credit card

I earned XXXX Capital One rewards points. On XX/XX/2023 I attempted to transfer the XXXX rewards points to XXXX XXXX XXXX account. The Capital One website blocked me. I contacted Capital One Customer Service multiple times and I was given different explanations. One agent told me maybe my XXXX XXXX XXXX account is wrong and asked me to confirm with XXXX XXXX. I did that and XXXX XXXX confirmed there was nothing wrong with my XXXX XXXX account. Another agent told me because I recently added a home phone number to my Capital One profile so I must wait XXXX hours. So I waited XXXX hours but the issue was still there. Finally another agent told me Capital One website blocked me from transferring rewards points because my Capital One credit card was too " new ''. 

I have double checked the Terms and Conditions ( attached ) governing the transfer of points from Capital One XXXX XXXX XXXX XXXX. There are no provisioning in there authorizing Capital One to block my transfer for the reason of " account being too new ''. So Capital one is clearly in breach of contract. And by failing to mention this important restriction in the Capital One Venture Card Product web page, Capital One also committed false advertisement.
Product: Debt collection

I have a fraud alert on my credit report and Bank of America continues to add debt that is not mine. They credit bureaus investigated and removed the account but it continues to report.
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 actions
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXXXXXX Account Number : XXXX
Product: Debt collection

Oliphant group has been reporting false and inaccurate information on credit report, continually add values to debt purchased but these values are arbitrary and from outside 3rd party which is not part of debt owned. They falsely sued in court, was never made aware of court filing or date, and thus imparted a wage garnishment on a debt that has been for several years been out of statue of limitation to collect or enforce any action against said debt. This is either done by veil of ignorance or willful disregard of this knowledge. Prior dispute of this matter has given an acknowledgment from Oliphant themselves confirming a ) debt was charged off XX/XX/XXXX, and was not purchased until XX/XX/XXXX b ) New York State law indicates statute of limitations for collection and action of any debt is 3 years, thus, reaching in XX/XX/XXXX. Over 2 years past the statute of limitations did they act upon said debt, well long past their right to do so, in which they under false pretense sued in XX/XX/XXXX Despite the debt being out eligibility for action being past NYS statute of limitations they also falsely report inaccurate on my credit report. Despite a wage garnishment being enforced upon me, they do not accurate report the monies taken and applied to debt and also arbitrarily add on values ranging from {$1.00} to {$10.00} almost weekly. They have already upon prior contest of this confirmed that the dates of debt is past NYS statute of limitations as well as values of being added are from 3rd party, not the debt owned itself and inaccurate report information as no acknowledgement of monies applied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the credit bureaus of XXXX, Trans Union, and XXXX in XXXX, XXXX, and XXXX. I specifically asked for verification of the accounts involved, and I received no proof or explanation as of why the accounts came back verified as accurate all three times. Each month, the account amounts are being updated, and show as different amounts from each bureau.
Product: Checking or savings account

On XX/XX/2019 SunTrust Bank froze my account and put all of the money XXXX {$2100.00} XXXX into review. On the XXXX of the same month the money was removed from the account by SunTrust. We have called the bank trying to get information on what is happening, the most we have been told is that the funds in the account are in review and wont be returned to us and that they are awaiting a request from the issuing institutions to reclaim the money. They wont tell me witch institution it is or what caused the suspicion that started the review and keep telling us that we will get a letter in the mail explaining the reasons. All we have received from them is a letter telling the same non-answers we've been getting over the phone and check that we received today, XX/XX/2019 in the amount of {$1.00}. All of the funds in the account came from either an IRA account that I cashed out or from my contract work with XXXX. I have spoken with XXXX XXXX and they no information and XXXX is almost impossible to get anyone with any forum of information, regardless neither of them has any information for me. This was every penny I had to my name in this account, I am about to lose my car and am having a hard making regular bill payment as work has slacked off and I only make $ XXXX/hr. at my little XXXX XXXX and all of credit cards are now maxed out from my attempts to stay afloat.
Product: Credit reporting or other personal consumer reports

XXXX and Equifax have both removed XXXX XXXX accounts from my report of a balance of XXXX they both have removed the balance and remarks from company and its documented to place the accounts back on my reports with more remarks after being closed and removed to be reopened and placed back on my report with late payments which is directly in violation of consumer protection laws!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes notifying the company of federal violations. The company continues to recklessly report fraudulent and inaccurate information on my consumer report and refuses to properly investigate my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

After the " Equifax Hack '' on XXXX/XXXX/XXXX, I checked XXXX website and this has me on the list of potentially affected accounts. To protect myself and others I decided that filing a complaint was the best course of action. My credit has a direct impact on my future and any breaches in the security can affect future applications for credit cards and loans for cars or houses.
Product: Credit reporting or other personal consumer reports

I have send the information to Experian to have them remove the late payment and they didnt do it and I did what told told me to do I sent them certified mail to where they can have it removed and was told by experian they would remove the late fee, my credit report and they didnt do it. 15us code 1666b for to remove late payments
Product: Vehicle loan or lease

I have dealt with Exeter Finance, due to health issues I got behind on my monthly payments for a XXXX XXXX XXXX, I requested a modification to the loan or extend the loan or lower the interest rate but they denied all my attempts to work with them, they did move the payment 2 or 3 times in the past but when I had XXXX XX/XX/XXXX and I had a second XXXX XX/XX/XXXX came out of the hospital XXXX XXXX XXXX, I show them pictures and video of the XXXX XXXX XXXX XXXX XXXX XXXX  and due to XXXX XXXX which I was denied my claim unjustly but that's another story but it was part of the issue I couldn't make payment, I spoke to a supervisors but they did not care instead they said get money out of your XXXX or borrow money from family or friends so you can catch up or lose the car, but I couldn't instead they charged off the loan but I still have the car, just this month I pay 3 payments, so I don't know what are my rights, I have e-mail copies complaint to cfcb XXXX XXXX  to no avail, I made 3 payments this month of XX/XX/XXXX, what rights do I have?