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

I am filing a complaint against Cash App ( Block inc ) because of inadequate customer service and unfair practices witch violates Customer Financial Protection Act ( CFPA ). Cash App didnt take any timely or effective measures to prevent and address fraud on their platform leaving my account unprotected. Furthermore there dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under Electronic Fund Transfer Act ( EFTA ) and Regulation E. This has caused inconvenience and a financial loss i seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing XXXX  correspondence I believe that the loan that they have put on my credit report may reflect a separate loan from the one allegedly transferred to them from XXXX a loan not covered by the Promissory Note that I signed XX/XX/XXXX. 
The reasons that I hold this belief are : XXXX. In XXXX, the address that XXXX had for me differed from that which XXXX and the national student loan database, NSLDS had on file. The XXXX XXXX address that XXXX and NSLDS had on file was correct. XXXX had been sending me mail to that address for some time. The XXXX address that XXXX had on file was a former address at which I had resided previously. This discrepancy indicates that the loan that XXXX is referencing on my credit report is actually for a different, unrelated loan associated with the XXXX address. 
XXXX. The loan amounts that XXXX and XXXX claimed that I owed differed. This difference indicates that the loan that XXXX is referring to on my credit report differs from the one allegedly transferred from the one transferred to them from XXXX. 
XXXX. In XXXX, XXXX asserted that that my loan was 228 days late. However, XXXX clearly stated to me in their XX/XX/XXXX correspondence to me that Due to the in-school status the loan was current at the time of transfer. Again, this discrepancy indicates that there may have been multiple loans at play. 
XXXX. Another indication that XXXX is referring to a different loan on my credit report is that there are unclaimed funds being held by the State of Michigan for monies returned by XXXX to me that relate to my former XXXX address.
Product: Credit card

Dear NAVY FEDERAL, I am writing in response to the denial of my credit application. I would like to formally express my disagreement with this decision, as it has caused significant distress and is, I believe, unjustified based on my creditworthiness. 

As outlined in Title 15, Section 1691 of the Equal Credit Opportunity Act ( ECOA ), it is required that any denial of credit must be based on valid and verifiable reasons, and I have not been provided with adequate reasoning for the decision. My creditworthiness, as shown in my credit report, is sound, and I have consistently demonstrated responsible financial management. 

I would also like to clarify that under the provisions of the law, only the board of governors of the institution has the authority to deny an extension of credit. If the account is not opened as requested, I must rescind my application and seek resolution through other means. Should the matter not be resolved in a timely manner, I will be forced to pursue legal action to ensure that my rights as a consumer are respected and upheld. 

Additionally, I am prepared to sign a promissory note in accordance with the terms and conditions of your institution if the credit extension is reconsidered and approved. 

I trust this matter will be given the attention it deserves, and I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

This is a followup complaint to XXXX. Total of 5 errors or omissions were listed in the original complaint and enumerated for clarity. SunTrust provided adequate explanations to items 1 to 4, but omitted its response to item # 5. I will repeat item # 5 and request a SunTrust response. 5. Concerning the outdated information in my profile, you state it is the client 's responsibility. I would expect this to be a joint responsibility, particularly regarding a 10 year old password date. Time spent on alleged suspicious activity would be better reallocated to client profile review.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX XXXX : # XXXX Account U S DEPT OF EDXXXX : # XXXX Account U S DEPT OF EDXXXX : # 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 an 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: Vehicle loan or lease

I purchased a car from credit acceptance and GAP insurance was added to my loan. They said it will pay if something happens in the future. But when my car was total two months ago. They failed to keep Thier promises. After insurance gave them XXXX dollars for total lost which left a balance of XXXX but now they want me to pay it. First the car valued at XXXX but in total I paid them XXXX so they overcharge me from the beginning and then misleading me to pay XXXX for GAP. The vehicle was XXXX XXXX XXXX
Product: Bank account or service

I have an account with Wells-Fargo. Over the life of the account, nearly 5 years, I have been repeatedly charged NSF or overdraft fees that are a direct result of daily review of transactions by Wells-Fargo and changing the order of transactions to maximize their take on said fees. 
The attached bank records only show the monthly tally. What they do n't show is the very deceptive practice of manipulating transactions, AFTER they have shown as posted online, to maximize the assessment of fees for NSF or overdraft activity. 
This activity includes the approval of online transactions, only to assess me NSF fees by holding onto those transactions for several days before posting to the account. 
Clearly this is a practice designed to dupe the client out of their hard earned money. There is no excuse for this and it is morally and ethically wrong.
Product: Debt collection

I never gave any consumer report agency written consent to to report southern management systems to my consumer report, which holds an amount of {$2000.00}. I never lived at this residency before, and no consent is considered identity theft.
Product: Mortgage

Fifth third bank has added charges to the loan that do not seem fair. 
They have accessed late fees for no particular reason. They have given me credits and then reversed them for no particular reason. 
Online payments made on weekends are not credited until they create late payments on Monday. They make it very difficult to determine when timely payments have been made. Their phone agents are not well trained and can't answer questions. I believe there are thousands of dollars of unauthorized and unethical fees attached to my loan. When I question them, they do not give satifactory answers. Please investigate the entire history of my loan with them and force them to reverse the charges.
Product: Debt collection

XX/XX/XXXX : I initially received an email from XXXX ( managing company for XXXX at XXXX ) saying I had to pay for damages. When I replied to that email stating that those damage claims were false and I have proof uploaded in Resident Portal ( the third party app they use for payments, documents, etc ) that proves I did not cause any stated damage I never received an email back. 

XX/XX/XXXX : The next year and I get an email from the Debt Collector Genesis about this and I let them know the situation as I stated previous. 

XX/XX/XXXX : I reached out to XXXX and they said they are no longer managing account and to send all correspondence to Genesis. 

XX/XX/XXXX : Genesis replied with a charge from the XXXX at XXXX ( apartment ) but did not provide images nor checked into my proof via XXXX XXXX. 

XX/XX/XXXX : I replied and informed them of my proof of any previous damage upon moving in via XXXX XXXX that verified I did not cause any damages, they chose not to respond. 

XX/XX/XXXX : I emailed them a little over a week after that asking for an update and heard nothing. 

XX/XX/XXXX : My credit gets a major derogatory mark by Columbia Debt Recovery ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

On my portfolio recovery on all three credit reports are reporting different last activity dates I disputed all reports and experian XXXX  and Equifax told me it was verified how can it be verified if the same account has different reports they did not verify reports XXXX  Last activity date XXXX XXXX XXXX. 
Last activity date XXXX XXXX Equifax Last activity date XX/XX/2019 2019
Product: Credit reporting, credit repair services, or other personal consumer reports

In late XX/XX/XXXX I called in before the XXXX dollars annual fee was due and requested that my secured card be either converted ( so the fee was waived ) or that I would like the account closed. I submitted all of the information needed and was told to wait and it would take 30-60 days, I received a letter that confirmed this. It turns out there was a block on my credit report so they were unable to run my credit. I called to follow up after the 30 days had passed and only then I learned of this issue. I gave further authorization to run my credit. I asked if I should pay the now due XXXX dollar fee that had been assessed. I was told that I didn't need to because we should have a decision on the conversion before the fee becomes late. The next letter I get is that a XXXX dollar late fee has been applied to my XXXX dollar fee and I am now in collection. The day I get the letter I contacted US Bank and they admitted that there was a snafu and after I made the payment for the XXXX dollar fee and XXXX dollar late fee I was credited back for both fees plus an additional account credit. It was also at this time that I learned that after all of the additional information given to authorize running my credit, it was never processed to have the account converted. In XX/XX/XXXX I get a notification of a 30-90 day late now appears on my credit from this account and this XXXX dollar fee. I have now contacted US Bank 4+ times I am told that there is nothing they can do, I am responsible, I am deserving of this, and if I don't like it to dispute it on my credit or send a letter. I have tried to get to the executive office or a higher up office, I am told that I am not permitted to talk to anyone other than credit card service. I have now disputed the late on my credit. This bank is ruining my life. Oh, and to close my account I have to send in a fax or letter which they claim that was sent in and I had not at that point sent in a letter.
Product: Money transfer, virtual currency, or money service

unauthorized transfers were not investigated, I did not receive refunds I was entitled to
Product: Credit reporting or other personal consumer reports

After recent review of my Credit Report, I found an loan account reported in my name for {$5200.00} by the AQUA FINANCE COMPANY. 
I called Aqua Finance and asked them about this account. They informed me that I was indeed a borrower on this account, along with a relative. I immediately contacted this relative and asked them about this account. They told me that when they got this loan, my information was given to the company as a " Reference Only ''. They were never told that I was co-signing or a borrower for his loan. 
I called Aqua Finance back and informed them that I had no knowledge of this loan prior to it being taken out, I had a long conversation with one of their Reps, and it was really understood that I knew nothing about nor did I ever give anyone permission to use my personal information to acquire a loan from this company.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Fraudulent Account Opened in My Name XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX ] [ XXXXXXXX XXXX XXXX ] [ XXXX XXXX ] [ XXXX ] [ XX/XX/XXXX ] [ Experian ] [ XXXX XXXX XXXX ] [ XXXXXXXX XXXX XXXX ] Dear Sir/Madam, I am writing to formally dispute the fraudulent account listed below on my credit report, which I believe is a result of identity theft : Creditor Name : [ XXXX ] Account Number : [ XXXX ] Date Opened : [ XX/XX/XXXX ] Amount : [ {$180.00} ] I have never authorized the opening of this account and was unaware of its existence until I reviewed my credit report. This unauthorized activity violates my rights under federal law, specifically 15 U.S.C. 6802, which mandates that financial institutions protect consumers personal information, and 18 U.S.C. 1028A, which criminalizes the unauthorized use of anothers identification. 

Requested Actions : 1. Investigation : Please investigate this matter promptly, as required by the Fair Credit Reporting Act. 
2. Account Closure : Close the fraudulent account and absolve me of any charges associated with it. 
XXXX. Confirmation : Provide written confirmation of the accounts closure and the removal of any related information from my credit report. 

Please note that under 15 U.S.C. 1681c-2, credit reporting agencies are required to block information resulting from identity theft upon receiving appropriate documentation. 

I appreciate your prompt attention to this serious matter and look forward to your confirmation that the fraudulent account has been closed and removed from my credit record. 

Sincerely, XXXX XXXX
Product: Prepaid card

I have XXXX MasterCard gift cards bought in XXXX and XXXX, XXXX.Fortunately, I did n't give them away but used myself or I will be ashamed, three months later, I found out there are unauthorize charges on these cars totaled XXXX dollars.By XX/XX/XXXX I submit my request to U.S. Bank Dispute Dept XXXX and asked for a refund.On XX/XX/XXXX I 've received Cardholder Statement of Disputed Transaction, I faxed the documents back to them and waited for their response. In short, later on I only receive the refund of XXXX cards of XXXX cards being hacked. Because that Mastercard gift cards being hacked is a widespread problem, I searched the issue online, I see tens of thousands of people are being affected, I am one of them. It is said that it may take four to five months to get your money back. So I wait patiently until XX/XX/XXXX, I can not wait, and I send them another fax again, but this time they refused, saying, my issue is out of 120 days window that they can NOT help me.They lost my claim and my fax within the period of time I call them many times their phone system is not good enough. I have been held forever to wait for talking to a live person.I have XXXX dollar outstanding I need to be paid. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having issues with Kentucky XXXX XXXX and my credit report. Recently ( this year ) they updated my credit report with late payments from back in XXXX XXXX and I WAS STILL IN SCHOOL! These late payments are impossible when I have been in school since XXXX and I recently graduated ( this year ) I was not supposed to be making loan payments and the representative made it seem like they would handle payments deferred while I was in school. Now I have derogatory accounts showing up and it is only from school loans when I WAS IN SCHOOL! I want these accounts updated because they are affecting my credit score
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items 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/block any items 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 items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Checking or savings account

Hello, I noticed {$58.00} and {$48.00} being taken out of my Wells Fargo bank on a monthly basis, since XX/XX/2023. I thought the withdrawals were going to my health insurance XXXX XXXX plan but when I called XXXX them they said it wasn't them. The XXXX was going to a fake XXXX loyalty plan and the {$48.00} was going to some life insurance, Called XXXX, that I didn't sign up for. When I Explained this to my financial institute Wells fargo, roughly a week ago, they did some research then refunded a portion of the money and then stated they can not refund any more money because they cant get anymore from the group that stole my money. THIS DOES NOT MAKE SENSE TO ME. I thought FDIC covers you if you are found to be a victim of fraud. They honored some of the money so it is obvious to me that I am right and some one took my money under their watch. Can you help me?
Product: Credit card

In beginning of XXXX i took interest from XXXX XXXX, which ive been member as realtor developer for years, bank transfer credit card from citi bank simpliciti card. Offer was basic XXXX XXXX  interest for 18 months. Standard offer. I have high XXXX credit scores .. to over XXXX at times i pay down debts for that purpose. Come XX/XX/XXXX or so i received and in mail and no info regarding credit limit. I called ph on card to inquire and customer service agent, said with thick possibly middle eastern accent, XXXXXXXX XXXX  credit., line. I was shocked, especially since had previous card with citibank in XXXX with XXXXXXXX XXXX  credit. I clearly stated that i did not want card that is usless and damaging scores if one even activates it .. it maxs out fast. So i told that person i do not want the card and i never activated it. She heard that clearly understood. On XX/XX/XXXX the card was used unauthorized by me for a full XXXX XXXX transfer to a discover card i have. I suspect by female i spoke with .. fraud. Come XX/XX/XXXX all credit agencies dropped my scores from XXXXXXXX XXXX to XXXX XXXX for getting new card and using 100 percent of credit. Its very damaging, to my immediate escrow.. ive filed dispute with credit agencies and spoke with citigroup security numerous times and they tried to deny dispute.. but they can not provide proof i did that transfer. They cant because card was never activated .. by me. They closed orig card sent and isdued a new card that i never received or requested Trying put old card in past.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a charge-off entry on my credit report associated with account number This charge-off was reported without the issuance of a 1099-C form, which, as per IRS requirements, must be provided to individuals when a debt is discharged or forgiven. To date, I have not received this form for the alleged debt in question.

According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, consumer reporting agencies like Equifax are obligated to ensure maximum possible accuracy of the information contained in consumer credit reports. Additionally, creditors are required to issue a 1099-C form to the debtor if they cancel a debt of {$600.00} or more, as outlined by the IRS guidelines . The absence of this form implies that the debt may not have been officially canceled or forgiven, and therefore, it should not be reflected as a charge-off on my report. 

The following federal laws and regulations underscore the need for accuracy and transparency in credit reporting and tax reporting practices : 1. **Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq. : ** This law mandates that all information in a credit report must be accurate, complete, and verifiable.

2. **IRS Regulations, Form 1099-C Cancellation of Debt : ** When a debt of {$600.00} or more is discharged, the creditor is required to issue a 1099-C form. The absence of this form raises questions regarding the validity of this charge-off entry.

Please conduct a thorough investigation, and if this charge-off can not be verified with a 1099-C, I respectfully request that Equifax remove this entry from my credit report. I have attached copies of my identification and credit report for reference. 

Thank you for your prompt attention to this matter. I expect a response within 30 days, as per the FCRA, indicating the actions Equifax has taken regarding my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Numerous calls to all 3 bureaus for help with 2 XXXX accounts. Have credit monitoring with all 3 bureaus showing no late payments and exceptional payment history but they refuse to update to actual credit reports.. have at least 20+ calls to bureaus where Im told dispute over and over again, purchase their credit monitoring to get latest info and use the phone app. Have reports from credit monitoring on all bureaus but still not reporting to credit reports. Called XXXX and TransUnion today.. same as usual.. transfer from department to department.. no help, told to use app and dispute but nevernever give me to the credit monitoring department if there even is such a department.. this is a scam to get consumers money.. then they dont update credit results and consumer pays month after month with no change and certainly no help.. they refuse and I literally mean refuse to correct XXXX information.. I was put on hold over 45 minutes numerous times just so Id get tired and finally hang up.. I got my first report in the mail on XX/XX/21 after filing a complaint against them. Over 80 changes and comments made, even told reports on the way and never received one after all these months till 3 days ago. The next day 57 late payments from bank accounts that I personally know was sent months ago was all removed XX/XX/21 the day after I received letters from XXXX and XXXX showing no changes noted. I have yet to receive a report from TransUnion. So Im now filing a complaint for my 2 XXXX accounts which have also been updated numerous times without changes to credit reports. I did in fact use the app and the credit monitoring for the latest updated information today as I do almost every day and it shows no late payments. I was curious so I had my banker pull the reports and I was correct.. they all still show late.. so the phone app is just another incorrect misrepresentation. Also have reports today from XXXX showing no late payments-19 pages. They verified they have reported over and over again I have no changes. They just take the money I pay monthly from desperate consumers like myself trying to fix errors that is ruining their lives.. they have been sued by many states for their misrepresentation including my personal attorney general himself when he couldnt get information updated but they continue the same practices every single day!