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

This is a formal complaint that I would like to inform you that the three Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I assumed that they rectify these violations and provide me with accurate and updated credit report immediately. I demand a faster deletion and appropriate remedies as per the law. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities.I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. I am pleased to request the removal of the fraudulent items associated with the mentioned items, as thay were negatively affecting my credit history and financial well-being. I am aware of the legal requirement for credit bureaus to investigate and respond to disputes within 30 days. Given the seriousness of this matter, I am seeking your prompt attention and resolution. The following items should be deleted as they are fraud in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$0.00} XXXX XXX Opened XXXX. XXXX, XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance : {$210.00} XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX XXXX Balance : $ XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding the Fed Loan DEPT. I have new proof that they were not suppose to get my new servicer, XXXX XXXX to add in any direct plus loans from my daughter 's college, XXXX College XXXX XXXX XXXX XXXX in with my consolidation loan I did with XXXX XXXX. I received an email from the " Borrower Defense Refuns Cancellation DEPT '' that if I requested the loans for this college to be put on freeze, this is allowed until the investigation against this school for frauding loans, allegelly, has been determined. I have contacted XXXX XXXX to change the online consolidation back to remove al of the loans from XXXX College or I will cancel it ... This isi my right as the consolidator applicant. 

I will provide proof from this dept. Also, the Fed Loan dept. responded to my letter that they had already frozen the loans due to them being under investigation. I never spoke with them about having problems with these loans in regards to needing help with payments! It was about why so many were requested only! 

Also, if you review the total expenses of the college during my daughter 's one year enrollment which was from XX/XX/2017 to XX/XX/2017, review the copies of her financial aid summary that I provide, ( not from the financial aid office since you may not be able to trust unless you comopare their statements with mines ... ), you can clearly see, she had enough financial aid form grants, scholarships, Stafford loans not to need the amount I am now showing that the school borrowed & are trying to make me repay by sneaking them on my credit report & in my consolidation! Some nerve! It is clear that the amount of the tuition & other expenses deducted by the financial total amount she had doesn't equal the amount of loans they got which is {$130000.00} in direct plus loans which exceeds the {$55000.00} limit of this kind of loan anyway! No way they can not be found with no fraudulance. Even the amount of the loan only has a {$55000.00} limit. Please, tak note of this. 

Thank you Miss 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 and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution proce 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: Bank account or service

I attempted to use a credit/debit card to withdraw money from an ATM, after having confirmed my balance and that U.S. Bank, XXXX, KY, was in-network. The ATM ate the card. I called the bank 's customer service line, and was lied to, they were aware the type of card and said if I was there the next day at bank open it would be returned, the bank refused to return the card. I called them again, and was lied to again, the CSR saying that if an ATM took a card, it destroyed it ; she connected me to a branch manager, who confirmed they only return US Bank cards " because they ca n't identify anyone else, '' she did not care that I could bring several government issued photo I.D.s. She also said it was just a machine error/ glitch. So their ATM was at fault in taking my card, I got lied to, wasted time and gasoline, was treated to the worst customer service experience of my life, and have to wait on a new card from my issuer. Nowhere on their ATM does it state that policy of cards not being returned. This is a faulty, if not illegal, business practice.
Product: Payday loan, title loan, or personal loan

I have been in and out of the Hospital having XXXX, I make my payments, struggling to make full payments {$290.00}, I have been making partial payments, In XXXX I made {$590.00} payments, was suppose to get a 3 month extension, if I give my credit card information. I still get repeat call 3 times a day, even on Sunday. I am not avoiding phone calls from these people. I made a payment arrangements with this company online still get these repeated phone calls.
Product: Debt or credit management

Posit that taxpayer got rid of guesswork, and remains confident filing with Americas assumed leader in taxes.
Product: Mortgage

We took out a loan from XXXX XXXX XXXX on or about XX/XX/XXXX. 
Our first payment was due XX/XX/XXXX, and late if not received by XX/XX/XXXX. 
Our bank sent our first payment on XX/XX/XXXX. 
Our check was stamped received on XX/XX/XXXX. 
We paid off our loan on XX/XX/XXXX. 
Subsequently, we received our annual account statement for XXXX which showed our first payment was processed on XX/XX/XXXX, and we were assessed late fees of {$220.00} I called XXXX XXXX XXXX on XX/XX/XXXX, and XXXX, XXXX and they refuse to talk to me. 
I request a refund of these late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX {$85.00} XX/XX/XXXX XXXX  XXXX {$730.00} XX/XX/XXXX XXXX XXXXXXXX XXXX, XXXX {$7900.00} XXXX XXXX XXXX. XXXX, XXXX {$420.00} XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX  XXXX. XXXX, XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 credit cards with XXXX XXXX XXXX and credit protection on both accounts. It has been a process to activate benefits being that I get unemployment I qualify if I was enrolled in credit protection 30 days prior to getting unemployment. I have been waiting for a couple months and I think it's XXXX to current that credit protection is suppose to be taking care of my monthly bill. I got one bill covered on one of my accounts and that is all and I still qualify for credit protection. I sent over proof of unemployment and I just received a letter yesterday and I got ta send more information and they have not been doing their part. My accounts got reported to credit bureau and this is unfair the way I'm getting treated as a customer since I already explained to XXXX XXXX XXXX about the credit protection being very unprofessional and it's hurting my credit. I have the credit protection and should not be in this situation. It's suppose to benefit me have that protection. I would like it if these reports got removed from credit bureaus since this is not in my control. I am trying to rebuild my credit and this is out of my control but seems the consumer is always wrong. 

Thanks, XXXX XXXX
Product: Mortgage

I scheduled my mortgage payment to be taken out of my bank account on   XXXX     I then realized a got paid on the  XXXX  so canceled payment and rescheduled for   XXXX    . They took my payment both days so I called them on Saturday  XX/XX/XXXX    when I noticed to let them know what happened and asked to please refund the second payment the lady apologized and so she could n't put directly back into my account but would send it back to me priority mail right away. After still not receiving refund by Wednesday  XX/XX/XXXX    I called and requested supervisor. She told me refund was not sent and that I need to email them proof that my payment was taken out of my account twice. I told her no one told me I had to do that and was told it would be sent to me right away. I asked her why they could put back into my account t directly and she said because they get fees for that, she did not seem to care about all the fees I got from my bank when my account was put in the negatives. I explained to her that my account is now - {$500.00} and have had other bills scheduled to come out and am now in a very hard situation. I told her I would send her my bank statement immediately and then would like my refund sent next day mail, she told me she ca n't garentee that she could do that today because it was almost the end of her shift.
Product: Checking or savings account

My debit card was stolen on XX/XX/XXXX at my local XXXX  On XX/XX/XXXX at XXXX my checking account was charged {$520.00} from XXXX. I was also charged 2 other transactions but they both were declined. I called my bank at XXXX on XX/XX/XXXX and let them know about these transactions and about my card being stolen. They would not let me dispute the charge until it had cleared my account. 4 days later, the charge cleared and i was able to dispute. I was denied. I have done XXXX rebuttals, and all have been denied. I filed a police report, contacted the merchant and got proof the shipping address is in XXXX and i am still denied. The XXXXXXXX XXXX, which is the bank who FDIC Chime, has denied every dispute i have done. I am still out almost {$600.00} almost 2 months later. I am out of options at this point and need help proving this was not me. My complaint is against Chime which is FDIC through the XXXX XXXX  I filed multiple disputes through Chime and through The XXXXXXXX XXXX and all have been denied. I need help getting approved. I have plenty of evidence. Most of it i have attached, as the rest is on my phone. Please let me know if i need to email the rest to an email.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2022 when I started my repairing my credit journey I froze all the third party reporting agencies that have been selling information to the credit reporting agencies like ( Experin, XXXX, and XXXX XXXX ) for year 's on consumers without their knowledge. I just found out about these companies recently and it's sickening the information that companies are selling on consumers to these vultures. " Excuse My Tone '', however being that I thought i had gotten these false information spreaders frozen. Here comes all these lil post cards in the mail about fraud alerts and extended fraud alert 's being added to my consumer credit report. I wasn't sure what that XXXX until applying at XXXX XXXX XXXX XXXX and was denied credit on the basis of HIGH RISK OF FRAUD, the same information the agent on the phone stated to me that was associated with my consumer report. The agent " XXXX '' also told me that I could not get the fraud alert removed. She kept going on about since i filed a report of fraud that has to remain on their to let creditors know that fraud could happen if they open an account. This is just CRAZY, how in the XXXX will I ever be able to live the American Dream of being a Home owner if these people are literally pegging my consumer report as a report strictly looking to defraud. I have worked have to rebuild my Credit and these credit reporting agencies are doing all they can to fill their bank accounts and rob me of my Dream. ( EXPERIAN, XXXX, and XXXX ) are not following any laws when it comes to consumer 's and it's not just them breaking the law it's the companies that is selling them information without consumers knowledge and they all need to be held accountable. I never asked no Third part company to issue any fraud alert across multiple channels such as what's happened here. I never gave my permission to get have no fraud alerts put on my credit report 's and I never told them to put no extended fraud alert on my credit reports and i want them removed. I filed the FTC report because I was informed to do that by a XXXX XXXX Representative and just as I was told to file another FTC report to have the Inquires removed from my credit report I didn't authorize by a XXXX XXXX. I'm not filling out no report 's because these people are selling information and wan na make me look like Im filing false reports to get things deleted. I just want to fix what's wrong on my credit and go on with my life. These credit reporting agencies are playing with my life and my future. XXXX XXXX isn't listing any open account 's with positive information on my credit report 's it's all stagnant. Experian did take all the inquiries off that were showing up falsely obtained and I didn't get one point added to my score nor has my score dropped or moved since filing these disputes. It's clear when you file disputes with the CFPB ot the FTC these companies will play XXXX XXXX with your consumer credit report 's and this is just out right sickening.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, While checking my most recent credit report, I noticed Fraudulent credit inquiries that I do not recognize and did not authorize anyone to pull my credit report. The inquiries made by the below listed companies : XXXX : XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX via dealer/ XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX/ XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX / XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian : XXXX XXXX/ XXXX XXXX XXXX/ XXXX XXXX/ XXXX XXXX/ XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX/ XXXX XXXX  XXXX XXXX/ XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please validate info with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security Number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. 

Attached are copies of my state ID. 

Warm Regards, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

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 EXXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress
Product: Debt collection

I was informed of some XXXXl debt that was supposedly done for me but the information was incorrect on that bill and my insurance care coordinator had been trying to get that fixed with the XXXX. The debt was sent to collections and when I spoke with the collections XXXX, he stated that he didn't need to speak with me and that their information was correct and that I needed to pay what they said or else. I tried to let the person know that my insurance stated for me to call them and he didn't want to hear it and threatened again that this debt wasn't going to be going away and he would put it against my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a police report at the XXXX XXXX police department and gave all the suspect information relating to me being victimized by identity theft. 
XXXX XXXX at XXXX XXXX POLICE DEPARTMENT. BADGE # XXXX POLICE dept PHONE : XXXX For years I have attempted to remove these fraudulent items from Equifax. They will not comply by Federal law and remove the items.

Total amount taken exceeds 100,000.

6 accounts were opened in my name, money was spent, and I still suffer due to the fact Equifax will not honor the request by XXXX XXXX police and use my identity theft report to block these negative items. 

How many years do I have to wait before my life gets back on track? Why will they not do what they are supposed to do? Ive lost 1000s of  hours of my life dedicating to try to get this resolved.
Product: Credit reporting or other personal consumer reports

I am requesting an investigation into these accounts, as there appears to be a discrepancy concerning their accuracy on my credit report. These accounts were removed previously but have been re-added without my knowledge. I was not notified about their reinstatement, nor have I received any communication about this through the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to get a pre-approval letter for a car from XXXX XXXX. I confirmed with them twice if this will be a hard pull. They said no, we will do a soft pull and will only send it to the bank for a hard pull if they agree to issue the loan. 
I got hard inquiries checked by like 4 different banks - I was not made aware of this. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Hard Inquiry XXXXXXXX XXXX XXXX - XXXX XXXXXXXX - Hard Inquiry XXXXXXXX XXXX XXXX  - XXXX XXXX, XXXX - Hard Inquiry XX/XX/2023 - XXXXXXXX XXXX - Hard Inquiry XX/XX/2023 - XXXX - Hard Inquiry XX/XX/202XXXX XXXX XXXX XXXX XXXX - Hard Inquiry XX/XX/2023 - XXXX XXXX XXXX - Hard Inquiry XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint regarding my credit report showing fraudulent inquiries. I never authorized any inquiries. See attached documents for inquiries that are caused of fraud.
Product: Student loan

Hello, I have 2 student loans with the Fedloan Servicing company and soon will be eligible for loan forgiveness under the Public Service Loan Forgiveness program. According to my records, I should be able to formally file for forgiveness around XXXX of XXXX. However, according to my online account, I have 17 ineligible payments.

I have been trying to rectify the payment count for about 3-4 years. When I initially called, I was told that they were backlogged and were prioritizing accounts nearer to the 120 count but they will have my account manually reviewed. I've called every 6 to 8 months to see if any progress was made and received the same response. 

They made an update to their website where you can see which payments qualified, which did not and why. Even though they were all made under the qualified payment plan and payments were made on time, most of them were listed as being " Outside the Window ''. I noticed that all of the ineligible payments were when my accounts were with a different servicer ( XXXX  XXXX  ). Some of my payments from that time period went through but most of them did not and I can not get an explanation as to why. 

I called a couple of times in XXXX to find out when my account will be reviewed and I got the same response of being backlogged and to call back in a few months. I called again in XX/XX/XXXX and I got the same response even though I should be eligible for loan forgiveness soon. However, now that I am a couple months away, I am very concerned that I will be on the hook for another 17 months because my account still hasn't been reviewed. I keep getting the same standard response from representatives and no progress is being made.
Product: Checking or savings account

Bank of America, is holding funds from coming into my account so they are not available and debits payments. So that I am charged an overdraft fee.