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

I had 141 unauthorized transactions on my cash app account. All of these transactions said they initiated from XXXX and were between $ XXXX {$4.00} for a total of almost {$250.00}. I contacted cash app support to advise the charges were unauthorized. I was told that I would need to dispute the charges and sent a link. 

I submitted the dispute advising there were 140 identical charges. After a few days I contacted support again and was told that the dispute could take up to 45 days but usually takes about 10. During this conversation with XXXX I was told that there were too many transactions for him to handle by phone and I could not reach someone in their disputes department directly nor did my issue meet their requirements to speak to a manager & the only thing I could do was wait. I reached back out to support via the chat in the app and reached the same individual who told me the same thing. 

Today I received an email that the dispute was resolved in my favor and 1 of the 141 charges was returned. When I reached out to customer support to find out why, I again reached the same XXXX agent who advised that I would have to dispute each transaction, they take between 10-45 days to investigate and that I cant dispute another transaction until the first is resolved. So essentially it would take XXXX days to get my money back for charges that can easily been seen by their time stamps that they were done by an automated system or bot. 

Ive contacted XXXX and they confirmed they dont even have this card number on file nor were these charges initiated by them. 

To go in and look at SO MANY of the exact same charges and only refund one as unauthorized is deplorable business practices and not a company I would want to do business with. Cash App is well known for being hacked and the system for scammers across the world. At this point I want to close the account and have nothing else to do with them but I cant even do that because when they finally resolve this matter, the funds will be deposited back into the same account and I will be on a mad dash to transfer them before they are scammed again. 

Theres no way this company should still be in business! Though they have clearly paid for their 5 star rating on the XXXX  website, the XXXX complaints and XXXX star reviews make it clear that this is definitely patterned behavior for this business and they should be investigated for financial theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received loan documents from the company in question. The documents do not contain my legal name or an address to my residence. Documents do list an IP address which I can not search. I have asked this be removed from my credit report. Company has asked me to dispute on FTC. FTC sends me here. This will therefore meet the requirements of the FTC fraud report as the links were followed.
Product: Money transfer, virtual currency, or money service

I am writing to formally express concerns regarding Zelle 's handling of disputes particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institutions and Zelle failed to investigate claims adequately. They advised recovery of lost funds was not possible and that tracking transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 : # XXXX, XXXX XXXX : # XXXX, XXXX. XXXX XXXX : # XXXX, has violated my rights. 




15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Debt collection

On XX/XX/XXXX, I sent Transunion documentation for an account that was closed to be removed. I called a few more times. Transunion refused to remove the account after 14 days. I gave them authority if they will not remove it that will actually take them to court every time I will call. They will tell me they didnt receive the documentation and documentation that I submit to them wasnt the correct documentation so I start all over again I had to wait almost a week to call them to find out if they received it. Transunion said they didnt get it the following week they said they would do 14 days to investigate all Documentation Transunion wanted more information about it which I have sent XXXX XXXX XXXX XXXX XXXX. They sent me a letter stating that the information was not blocked so what I did was told Transunion if they dont remove this off my report that I will take them to court along with XXXX for not complying with the consumer to remove the close account. The close account is with XXXX XXXX  the account was close of this month in XXXX. Transunion still refuse to remove the account. Which is 15 1681 c 2 and also 15 usc 1681 ( N ) which they were to delete the account off. But Transunion refuse to remove it I sent them more documents on XX/XX/2024 with certified letter
Product: Credit card or prepaid card

Bank of America is obviously a XXXX and XXXX company. They have all these business suits working and can't figure out. They sent me a " new '' replacement credit card. The credit card does not have a plastic lining, and is very thin. The Waitress and customer service people who scan my cards, can easily break them and have also been complaining about the Bank of America cards. The card stains, and smoulders since its so thin and has no plastic cover. Nice thin and non plastic greasy credit. They are obviously XXXX and don't like XXXX XXXX   customers. Why are they sending new credit cards like this?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get the credit bureaus to remove the bankruptcy from my credit report. It is incorrect and XXXX has fixed it but XXXX and Experian refuse to remove it. They say the XXXX verified it but it is incorrect. I want them to do research and see that is incorrect and remove it from my credit report. I have attached a copy of the letter from XXXX  saying that it is no longer on my report because it is incorrect. They have also tagged my wife and XXXX  can see that hers is incorrect as well.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I noticed that there was another loan on my account I didnt recognize, and it was from a College I wasnt familiar with. And that I never communicated with or ever did a parent plus loan with. So I was confused about why this loan was on my account. 

I reached out to the College and my loan servicer Nelnet, and I reached out to the Department of Education. 

Expressing my concern, and trying to find out how this loan came about. After being consistent in calling the College, and speaking to multiple people, I found out my MPN # was used and attached to a loan I never requested nor approved or received. 
The College had used my credentials without my permission, or knowledge. 
I never consented to a parent plus loan for myself or a student at XXXX XXXX, and the paperwork they sent me shows a loan request with incorrect information for myself address, a forged signature, and a fraudulent email that was used for communication. I advised my loan servicer, Nelnet and the Department of Education, and got push back on it. They were not supportive at all, and actually was accusing me of this act themselves. 
I have been mistreated, treated unfairly, and unjustly. All my identity theft and mis usage of my Promissory note, and Forged signature, as well as Violating my rights with the student federal guidelines. All of this has been disregarded by my loan servicer as not being relevant, because my MPN # matched, And it matched because it was taken from a Promissory note I previously had on file with Student aid from XXXX. Not because I provided this information to the College voluntarily. I never gave XXXX XXXX permission to distribute a loan to anyone using my credentials and Master Promissory note. I disputed this with the credit bureaus and Dept of Education ( Nelnet ) keeps verifying this Fraudulent student loan is accurate. Although they are fully aware that all my credentials didnt match. 
And the loan was never sent in my name, to me and was never sent to a bank account in my name. They are not assisting me with the violation of the School, but in turn is agreeing with with fraudulent loan and allowing the School to use my information without any repercussions or requesting them to take accountability for distributing a loan without using the proper guidelines. 


I AM BEING DISCRIMINATED AGAINST, and because of their statements made in multiple emails. They are also providing Defamation of my Character.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX Balance Owed : {$1800.00} XXXX  XXXX Balance Owed : {$11000.00} XXXX  XXXX Balance Owed : {$9600.00} XXXX  XXXX Balance Owed : {$16000.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$9600.00} XXXX  XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$9600.00} XXXX  XXXX Balance Owed : {$1400.00} XXXX  XXXX Balance Owed : {$11000.00} XXXX  XXXX Balance Owed : {$12000.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a small loan about 3 months ago, on a 2 year loan term. I took advantage of the 3 months interest free, if the loan was paid off in full within that time. I successfully complete the obligation on the loan. A review of my Equifax credit report showed that positively paying off the loan within the terms of the loan agreement dropped my overall credit rating from Good to Fair, and dropped my credit score by XXXX XXXX. Now, in the process of refinancing an auto-loan, Ive lost the improved interest rate I would have attained under a rating of Good to where I have to accept a higher interest rate or decline the loan, for the positive completion of another loan, within terms. 

Im discussing this issue with Equifax, they tried to point me to a credit counseling service. Instead. I wanted someone to explain their algorithm for how the positive settling of a loan had such a drastic and negative impact on my score and rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with CFPB after discovering that I was a victim of credit fraud when I realized the incorrect data on my credit report which consisted of fraudulent accounts, charges and inquiries and as a resulted lowered my credit score so low that Im not able to get credit with anyone or a loan. My credit report shows that I have eight closed accounts and some which have a higher balance than the credit limit and 4 student loans that are bring deferred and arent late. All this fraudulent or incorrect information is causing my credit to suffer.
Product: Credit reporting or other personal consumer reports

Once more, I must emphasize my disagreement with the items listed below, which persist on my credit report despite your prior investigation. I am formally requesting an immediate re-investigation of these inaccuracies. Their presence is significantly detrimental to my credit score, especially regarding the XXXX XXXX Account XXXX. As stipulated by The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsections A-D, I respectfully demand the provision of the names and business addresses of each individual you consulted to verify the aforementioned items. This information is crucial for me to pursue further action if necessary. Once your investigation and necessary corrections are complete, I kindly request an updated credit report.
Product: Debt collection

I was sent a letter from I.C. System Inc claiming that I have a debt with XXXX XXXX, a company I have no history with, to the tune of {$6000.00}. I have disputed this claim as I have no idea where it possibly came from. Disputing the claim online involves giving them your social security number and other personal information which feels predatory given the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone got a car loan for a XXXX XXXX XXXXXXXX through XXXX XXXX under my name, The address that person used is not my address XXXX XXXX XXXX, XXXX Tx XXXX. 

My address is : XXXXXXXX XXXX XXXX XXXX, Tx XXXX Account : XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I wish to formally state that I am exercising my right to dispute any inaccurate information found on my credit report by the Fair Credit Reporting Act. The integrity of my credit report holds significant importance to me, and I kindly seek your cooperation in addressing any discrepancies. I am aware that creditors must verify and substantiate the details provided in my credit report before utilizing them. I hold a firm belief that the accusations of delinquency and derogatory remarks attributed to me are unfounded, and I request substantiating evidence supporting the adverse status of my accounts. I humbly request that you furnish proof of a legitimate reason for the inclusion of any inquiry or account on my report. 

XXXX XXXX XXXX XXXX  " This is a violation of 15 U.S. CODE 1666B. Was never late, delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in written instructions of the consumer to whom it relates. ''
Product: Student loan

I have been trying to get a {$0.00} balance off my account. The minimum payment is {$1.00} but you can't make a payment of more than what you owe. I am stuck. Discover Student Loans claims it has been working to resolve this issue for months. They have continued to mislead me by patronizing statements and claiming I would receive documents explaining the situation and I have not. This student loan still shows on my credit report because the loan is not closed. There is seemingly no reason in Discover 's own words, that I owe them anything yet they continue to have this account open with a balance. Discover Financial had {$93.00} billion in assets in 2016. You expect me to believe that you don't have the IT infrastructure to solve this in less than 3 months? This is predatory. You are trying to export me and I will not stand for it.
Product: Credit reporting or other personal consumer reports

My student loans were transferred between loan servicers from XXXX to XXXX over a year ago. When this happened, Experian began reporting my student both from XXXX and XXXX, resulting in my balance showing as double. I owe over {$400000.00} and now its showing over {$800000.00} and will likely hurt my chances of buying a house in the near future. The other credit bureaus are accurately reporting my loans so this must be a problem with Experian. 

Ive disputed this with Experian 3 times over the past year, and each time Experian says the dispute has been resolved without fixing it. XXXX told me they stopped reporting my balance to Experian a year ago and theres nothing they can do. Please help. I dont know what else to do.
Product: Credit card or prepaid card

ON XX/XX/18 I CALLED DISCOVER, BECAUSE I SAW THAT THERE WAS A CHARGE ON MY CARD MADE BY A XXXX XXXX MADE ON XX/XX/18 FOR {$5500.00}, I LET THEM KNOW I DID NOT MAKE THIS CHARGE! NOT ONLY WAS I ON HOLD FOR A LONG TIME BUT WHEN THEY THOUGHT I COULD NOT HEAR THEM THEY MADE SOME COMMENTS ABOUT HOW I WOULDNT REMEBER THIS ANYWAY, BUT THEY TOOK MY COMPLAINT, AND CREDITED IT BACK TO ME, BUT THEN AFTER SOME TIME I GOT A LETTER CLAIMING THAT THEY WERE PUTTING IT BACK ON AND THAT NO FRAUD OCCURED. I AM VERY UNHAPPY NOT ONLY WITH HOW RUDE THEY WERE BUT THAT THEY THEN DID THIS TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

The website to manage freezes with Equifax has been down for days. XXXX XXXX XXXX It takes you to this error page. : XXXX XXXX XXXX XXXX XXXX From what I read online, this is very very common for them.
Product: Student loan

I have different due dates listed on my statements and on my account. XXXX says XX/XX/XXXX, and the other shows XX/XX/XXXX. Additionally, I received an email saying they received my XXXX request on XX/XX/XXXX when I filed it in early XXXX. When I go online, it says I'm on SAVE, but it also said that PRIOR to me receiving an email saying they JUST received my XXXX  request. I have no idea what payment plan I'm on, I have no clue WHEN I owe them money, and I have XXXX faith that the bill they sent me is correct. Additionally, it's nearly impossible to get in contact with them via phone. There are insane wait times and we've experienced calls being disconnected after waiting over an hour to speak to someone.
Product: Checking or savings account

On, XX/XX/XXXX I opened a checking account with Wells Fargo, on the XXXX I had roughly XXXX deposited in to the account! XX/XX/XXXX I tried to withdraw money from the account and my card was shut off! This morning, XX/XX/XXXX I got a letter in the mail Dated XX/XX/XXXX that I can't use my account due to a low credit score! In the meantime, they have all of my money and won't release it to me! I can't eat or buy gas to even get to work! It's all the money I have in the world!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit dropped with XXXX for no reason on XX/XX/1988 points.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. This account must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix this accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Am Having a Problem with Bank of America i keep getting charged for maintenance fees {$4.00} in my checking account i was changed for a maintenance fee in XX/XX/2022 and also XX/XX/2022 I contacted Bank of America Customer Service and they Denied to Refund the Maintenance Fees in the Account and i am very disappointed and frustrated about this i ask the representative is she could do anything about the fees and i was told unfortunately she cant do anything about this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was paid on XX/XX/11 and XXXX has failed to correctly update the status on my credit report, as you can see both XXXX and XXXX have updated their statuses. I contacts Discover and they said it was send to all XXXX credit bureaus.
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have been a victim of identity theft. My personal nformation has been used to obtain goods and services. I contacted Transunion and told them that this inquiries are fradulent and provided proof, even though they told me this inquiries were verifed. Please dispute and remove this fradulent information from my credit report. 
XXXX XXXX ( Bank ) XX/XX/year> XXXX  XXXX ( Bank ) XXXX XXXX, XXXX
Product: Checking or savings account

i have two account checking to be exact i have overdraft protection on .one of the account it not i use only to cover overdraft if it happens but chase just inform me that a checking account can not be used for overdraft protection. all the items are been clear right before midnight or 3 minutes before or not showing a negative account at all into nest day where they charge the fees. not giving the customer the ability to transfer the money within the same bank. also i have alert that inform when my account is overdraft never arrived the text either until after the charges have charge or not at all. i feel this type of transaction are having the customer be cough with all this charges with no chance to deposit or transfer money very snick practices XX/XX/XXXX 2 charges of 34 other times multiples charges of 4 transaction of 34 being charge when the money was deposit before everything else was clear.