23daVinci/CFPB_Complaints huggingface dataset:
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 and16.financial loss, and I seek appropriate redress for the violations listed above.
Product: Vehicle loan or lease

Most recently as XXXX, I attempted for Santander to initiate the process of removing my name from the loan, as it was a loan I took out with my ex-fiance months prior to getting a protection order from her. 

The original car amount was 30,301, term length of 72 months. That said, despite trying to get in contact with Santander and my ex-fiance, I have been unable to get my name off of the car. 

Santander provided a letter on behalf my ex-fiance, on XX/XX/XXXX, that only stated my name would be taken off of the title of the car, but that I would still be in charge of any payment due. 

In XXXX of XXXX, I attempted to get in contact with the loan company, and was not made aware of the extend of late payments on the vehicle. 

In XXXX alone, my ex-fiance missed 7/12 payments in the vehicle, which is significantly impacting my credit score. 

Screenshots are communications with my ex-fiances ' family, as I am a victim of abuse and had a protection order against my abuser.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion.XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX  XXXX XXXX Date Opened XX/XX/17 Balance {$4400.00}
Product: Credit reporting or other personal consumer reports

Removal of addresses, and phone numbers that do not belong to me. I have requested to remove unauthorized hard inquiries that display on credit report. I have throughly reviewed my records and can confirm these inaccuracies. I have the right through FCRA to dispute any information that is not accurate. I have contacted the credit bureau through online portal and via customer service ( phone ) and have not had a resolution.
Product: Credit reporting or other personal consumer reports

I was dealing with Lexington. Law for about XXXX and they take the money out of my account and my credit report never been fix and when i drop them they still was talking money out i will like see them get what comes to them they mess My credit report up for about XXXX or more fraud and stealing money I'm joining in the law suit again Lexington law My name is XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am writing to file a compliant against Navy Federal Credit Union regarding multiple overdraft fees I have ocurred despite not having insufficient funds when tranactiona wete authorized. I waa charged due to lagged poating of charges and credits. This issue aligns with the recent findings of CFPB findings against Navy Federal for similar practices when transactions settle wirh insufficient balances despite initially available funds. I believe these practices are unfair are under abd request an investigation into my account transactions
Product: Debt collection

After checking my credit report, I found several accounts that appear to have been added without my authorization. I request these fraudulent accounts be blocked and removed at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report.XXXX  XXXX XXXX {$280.00} XXXX XXXX {$18000.00} CHAPTERXXXXBANKRUPTCYDISMISSED XXXX CHAPTERXXXXBANKRUPTCYDISMISSED XXXX XXXX XXXX   XXXX {$6800.00} XXXX XXXX XXXXXXXX {$270.00} XXXX  XXXX {$2400.00} XXXX XXXX {$3000.00} XXXX XXXX XXXX {$390.00}
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX am a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are incorrect Late Payments listed on my Credit Report, below is the company information. 

XXXX XXXX XXXX XXXX : XX/XX/2018 2018
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported that I opened a credit card account XX/XX/XXXX with Equifax stating that I owe XXXX. They then reported to XXXX and XXXX that the account was opened XXXX and that I owe XXXX. Ive sent out letters reaching out to them since XX/XX/XXXX and they have no corrected and removed these fraudulent reports from my account.
Product: Credit reporting or other personal consumer reports

I do not recognize these requests, I asked to delete them but the bureau did not comply with my requests, I am attaching a report of identity theft and attaching it to the letter, because they are not accurate and do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have had issues with all XXXX credit reporting companies since they moved to XXXX and lie to there e.pkoyees to say no and give the mm excuses in paper for every complaint you have. I will talk about XXXX CREDIT REPIRTING AGENCIES FIRST. 

1. I HAD MY FILE ON LOCK FOR YEARS AND ALL OF A SUDDEN 3 INQUIREYS COME UP BLOCKED BUT 4 ONE FROM XXXX BANK COMES IN AND LEYSIT THROUGH. THESE FOREIGN WORKERS HAVE NO UDEA ABOUT PROCESS AND END UP HANFMGING PHONE UP XXXX YOU TELL THEM THEY ARE BREAKUNG XXXXMERICAN FAIR CREDIT REPORTING AGENCY. 
XXXX. XXXX SAYS THEY DIDNT DO IT AND XXXX XXXX XXXX XXXX I NEED THE CEO TO WRITE LETTER SAYING I DIDNT MAKE HARD INQUIREY. LIKE A CEO IS GOUNG TO WRITE LETTER SAYING ABOUT HARD INQUIREY. THAT IS JUST TRIFFLING. 
XXXX. THEN I FIND OUT XXXX HAS BEEN CHARGING ME 3 TIMES A MONTG FOR A YEAR FOR CREDIT SERVICES TO SOMEBODY THAT HAD NO RIGHT USING MY CARD UNDER HER NAME WHICH HOW DID SHE DO. I GAVE NOTHING IN WRITING GIVING MY NANY ANY USE OF MY AMERICAN EXPEESS CARD. WHAT IS HAPPENING TO OUR CREDIT AGENCIES. THIS IS JUST SO ILLEGAL I CANT BELIEVE OUR GOVERNMENT MUST BET taking bribes to let them know they can do ir charge what they want. I dod everything I could including police repirt but that doesn't help anymore. 

American express never told me I had card nit unde my name or I was charged iver XXXX for year. So all these companies out turning on the people that keep them gone. This is the down falk off XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

They will not refinance my loans after forbearance, late payments applied, need help please. i WILL NOT BE PAYING TILL XXXX, 600 MONTHS 50 YEARS, That's a Covid disaster for me I need a break please Thanks XXXX & XXXX XXXX XXXX To whom it may concern : I was one of millions of small business owners that Covid Epidemic affected. 
XX/XX/XXXX Texas Governor, City Majors all signed an Order to close business that had gatherings of no more than 5 people. 
I have a mortgage on this XXXX XXXX, rental building capacity of XXXX toddler XXXX infants. My Leasor could not pay the rent so they left, The mortgage company said they could help with Modifying my Loan with Forbearance assistance. 
See attachment please see for yourself if you call this assistance. Thanks XXXX The attachments should answer your questions on Payments, Taxes, Insurance, amounts on our following properties. We only have three mortgages and 2 other properties paid in full. 

1. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX Lot XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX 3. FHA XXXX XXXX XXXX XXXX converted to XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I signed Subdivision established XX/XX/XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX XXXX - XXXX XXXX XXXX XXXX VACANT LOT PAID IN FULL 30 YEARS AGO LOT XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX RENTAL PAID IN FULL 30 YEARS AGO LOT XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX & XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX
Product: Debt collection

I have been contacting Medical Data Systems for about 2 months and disputing this medical debt from my credit report. I spoke to several representatives and I told them that I did not owe the debt because I had health insurance coverage, and according to their records, I was listed as self pay in their system. I contacted my insurance carrier received an email from them stating that I had coverage, then I took the letter to the XXXX spoke to a supervisor and they provided me with an itemized bill showing that I have a XXXX balance, and stated that it was their fault that they did not submit the information to my insurance carrier, and that my insurance information was in their system. I then contacted Medical Data Systems to provide them with the information. However, they already had all of the information in their system and shows that I have a XXXX   balance. So! I asked the manager if this will be deleted from my credit report because I did not and do not owe the debt. The supervisor mentioned that it will not be deleted that they are just going to update the information but it will remain on my credit report. This debt was never suppose to be on my credit report in the first place as they are continuously reporting incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hired a credit repair company XXXX XXXX XXXX XXXX to help remove negative things from my credit report. Account with XXXX XXXX XXXX XXXX opened in XX/XX/2012 in amount XXXX shown as charge off should no longer appear on credit reports as it is past the statute of limitations. It still appears on Transunion, XXXX XXXX XXXX even after attempts of removal with credit repair company on my behalf.
Product: Debt collection

I began receiving debt collections calls in XX/XX/2022 time frame for {$3400.00} from XXXX. I have never once opened any type of account with XXXX. I went into the store and they gave me all of the information that an account was opened with my identity and a bunch of equipment was purchased and never paid for. They closed the account but that was all they could do. 

I had the collections removed from XXXX and XXXX and XXXX I thought, but it has just popped up on XXXX under a new debt collections company. I do not owe this money and I dont know how to get this out of collections off of my name.
Product: Credit card or prepaid card

My card hasnt yet come in the mail I think its because I recently moved and my name wasnt in the mailbox and Im not on the lease so I think they sent it back. But Ive been calling to try and see if I could get another one sent out but no one is answering and I stay on hold for about 3 hours or longer before hanging up
Product: Student loan

I borrowed student loan money in the XXXX 's, to the sum of XXXX or less. I paid these loan for years and in XXXX, I filed bankruptcy and my loans disappered. I called and asked where my loan statements were and thay said " I did not have any active student loan accounts ''. I fought with this issue for years, because I knew I was close to being finished paying. Well fast forward 30 years and I owe XXXX and the issue was never resolved. I need help [ desperately.
Product: Debt collection

I reached out for 90 days about a debt I have no knowledge of. They left me in hold at hours at a tike just to hand uo XXXX me. This debt is orefecting me from getting a house. The debt is {$230.00}. Affirm is not trying to resolve the account they continously give 3rd party collection number who cant identify there story. They keep reporting to my credit report but fail to allow me to satisfy the debt thar I am unaware of. This is very upsetting how a company can are threats curse me out & then slam the phone in my ear. Please help. I need this resolved with in 14 days. 

Thanks
Product: Money transfer, virtual currency, or money service

As usual the crypto industry is again coming up with new ways to rob their clients. I have staked XXXX  on Coinbase ( CB ) which generates staking rewards.

CB used to have a rewards ticker where you could track your rewards- but they got rid of it on the computer version I guess because having the rewards ticker makes it harder to steal from their clients.

I have enclosed a pic of what the ticker on the computer now looks like.

CB does still have the ticker for the CB app- which is where the issue is.

Approximately four months ago my rewards ticker on my computer rolled over to XXXX I logged in the CB app and have been using that for several days now. I decided to look at my ETH rewards on the CB app. The CB app still has a ticker and it showed a vast difference of rewards calculated by the CB app vs rewards calculated that show up on the computer version.

When I emailed CB about the discrepancy I received a generic response about staking and nothing that addressed my issue.

I have attached pics of both sets of rewards- on the computer it says 0.03 The other pic is from the CB app ticker that is definitely wrong. I surpassed XXXX rewards months ago!! This is just another way for CB to rob their clients. Why else would they have gotten rid of the ticker- to do away with transparency. 

Here 's the math : I started staking in XX/XX/2021 at a rate of 6 % which has now recently dropped to 3.68 % with a balance of XXXX XXXX Yet CB shows my XXXX  rewards for the approximately one year that I have been staking as XXXX on the app 's ticker. 
I actively looked at my ticker rewards when CB was transparent about them and it has been about 4 months since they rolled over to XXXX so where are my missing rewards CB? 
The app reports one number and the computer version reports another number for staking rewards.

I expect a real answer CB, not a cut and paste response that doesn't even address the issue.

And please answer the question of why you removed the rewards ticker for computers.

CFPB - everyday all day long clients are screwed over and robbed by these exchanges. It is time for the government to regulate these exchanges and stop their constant thievery. They have enough $ $ already.
Product: Credit reporting, credit repair services, or other personal consumer reports

Firstmark Services reported my student loan 30 days past due. I am currently enrolled in school and my loan should be in either deferment or forbearance. Payments have been made on this account for month after month and they were not willing to budge on a goodwill removal. I called in once and the first representative told me they could carry out the removal from my credit report and after not hearing anything, I called in again the next day and was told the exact opposite information. I have never seen a student loan that reported at 30 days past due. 60 days is the standard. This practice is a very poor one and crippling to students trying to get an education. No flexibility whatsoever.
Product: Checking or savings account

I've been a victim of identity theft. I spoke with someone over the phone XXXX. This individual was posing as a lender for small business. I happen to apply for a few business loans for my small business which was started XX/XX/XXXX. So I believed it was a possible lender as I've sent my application to several lenders. I was threatened by this person. If I didn't give up my username or password to my bank account. I would be in violation of the FDIC. My business and checking accounts were Positive the same day. I have screenshots on my phone. I keep track of all my tasks as a self-employed financial assistant this is absolute protocol. They managed to deposit Two fraudulent checks for some companies I've never worked for in the past or currently. I have filed a claim with the Wells Fargo on the behalf of these accounts. They've not yet requested any of the evidence that strongly support my claim. They have decided to bring both of my accounts for closure. I paid the overdraft fee in my business account to speed up the investigation. I decided to close my business account prior to Wells Fargo 's schedule to bring the business account as wells as my checking account to a closure on XX/XX/XXXX. This has put a restriction on me creating any new bank accounts. Business or checking, due to this madness. So far I have taken drastic measures to protect my identity by not answering phone calls. Changing my passwords.XXXX I reported this to XXXX as I was in need of a direction to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

To someone in a position of authority, I am making a formal complaint because Nissan INF LT has placed information on my report without my consent, and without validating the debt. I reached out to this company over 4 months ago and I still have not received a response. I informed them that they were violating 15 U.S.C. 1681a ( 2 ) ( B ) as they were supposed to exclude information from my report that was authorized by a credit card. I informed them of this violation and they have not responded to my correspondence. Additionally, I asked them to validate the debt they are reporting on my consumer report with XXXX and XXXX ; I made a formal complaint with XXXX, and XXXX  and both companies failed to show proof that this debt that they are reporting belongs to me. Because they failed to validate the debt with sufficient proof, they are in Violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. If I continue to be ignored about this matter I will proceed to seek litigation and remedy for {$1000.00} per violation for defamation of character, Negligent Enablement of Identity Fraud, and Violations of 15 U.S.C 1692g. I demand these accounts be deleted from my XXXX and XXXX reports within 5 days, or I will move forward with litigation and remedy. I also demand that an updated report be mailed to me. Any actions taken to hinder my consumer report will also result in me seeking litigation and remedy. Thank you.
Product: Payday loan, title loan, or personal loan

My balance was paid in full and should be reported to all 3 credit bureau 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

Department of Education / Nelnet : I am no longer connected with Nelnet, for the loan has been transferred to XXXX XXXX XXXX. Also, I would like the Department of Education/Nelnet removed from all my credit reports. It shows negative/Late payment, yet my student loans have been either in deferment and/or forbearance since acquired. 

Date : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting

I XXXX are requesting as of XXXX/XXXX/2016 a temporary credit freeze be place on my credit file at XXXX XXXX and trans union and all other national credit reporting agency.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong. 
Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 16811 ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX XXXX, and transunion did not modify or remove anything.

The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit reports Which is a violation. This is impacting me from moving forward to buying a house for my family.

I attach my previous credit report and my new credit report to show how XXXX violated my rights.

According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system
Product: Checking or savings account

I opened a US Bank checking account in a branch using an offer code that I found on US Bank 's website available to the general public. The offer was for a {$500.00} bonus after meeting direct deposit requirements which I satisfied. I found out much later that the offer code had not been applied even though it was definitely added at the time of application. I was told by a branch employee long after applying that the offer code was " targeted '' which was definitely not one of the stipulations listed online where I found the offer code nor was there any mention of this when I applied so the bank employees themselves were unaware of this being a " targeted '' offer when I applied in person. The branch manager has tried to get the code added retroactively but I am not optimistic as it should post no later than XX/XX/25 so I am filing this complaint now in the hopes that will actually happen.