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 =urthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redressfor these violations.
Product: Vehicle loan or lease

XXXX and XXXX contacted me concerning a loan I had in XX/XX/XXXX with Flagship credit acceptance stating I owe XXXX but the will settle for XXXX. I contacted Flagship and was advised they closed the account in XX/XX/XXXX. XXXX and XXXX threaten to sue me and put a bank levy on my account. It was suspicious because no details about the company is verifiable, I only receive the first name XXXX, no last name stating he was an attorney then he later said he was a paralegal. Several calls were received but wasnt stating this is an attempt to collect a debt clause, He just rushed and frighten me by Requesting payments via XXXX XXXX or XXXX. The phone numbers given are XXXX and XXXX. And they did not have correct information and asked for my last four digits of my social security number. I believe this is a fraud or scam. When I submitted the address given, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX in XXXX it provided a residence for XXXX XXXX. not a business. Nor was I able to search the company online. They didnt seem to have details that they should have known to begin with.
Product: Student loan

I hope this letter finds you well. It took me years to gather up the courage to write this letter to bring to your attention a grievous matter concerning my experience with Navient, my former student loan servicer. I am reaching out to you as a last resort after enduring prolonged emotional distress and substantial financial damage caused by the company 's actions. 

After financing my education at a XXXX XXXX XXXX in Oregon through federal student loan programs, I found myself facing significant challenges with Navient. The ordeal began shortly after my Grace Period ended in XX/XX/XXXX. Despite my best efforts to submit income verification documents to Navient 's website, technical glitches persistently thwarted my attempts. What followed were interactions with their customer service representatives that only deepened my frustration and despair. 

For over a year, XX/XX/XXXXXXXX  XX/XX/XXXX, I found myself caught in a frustrating loop, repeatedly uploading required documents to a portal, receiving non-compliance notifications, and starting the process anew. During this time, Navient capitalized interest on my loans, resulting in an alarming six-figure interest capitalization that inflated my total student loan debt to an overwhelming $ XXXX. 

The breaking point came when Navient finally acknowledged that the portal they directed me to was defunct and unmonitored. The toll on my mental health was devastating. Enduring tearful phone calls and falling into a XXXX  XXXX and associated weight gain which my family and close friends can attest to. 

Now, as I navigate the process of consolidating my student loans to access Income-Driven Repayment benefits, I find myself facing the haunting repercussions of Navient 's actions. I'm compelled to shed light on my experience and seek justice for the mistreatment I endured.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Status on these account were corrected, but the PAYMENT HISTORY was NOT!!! Please correct this payment history as it's incorrect. Please provide PHYSICAL Proof if you feel these account were late as they were not.

14 Accounts with the same account number : XXXX # XXXX XXXX # XXXX 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

Credit file XXXX is under security freeze due to ID theft. Equifax released my credit information illegally to XXXX on XXXX/XXXX/2014 while the security freeze was in place ( see attached screen shot of my credit file inquiry section ) This is a violation of FCRA. I did not authorize this release of information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday eveningXX/XX/XXXX, I submitted a pre-qualification application via their " Structure a Deal '' option which states " Skip paperwork! Save time at the dealership by doing the work from home! '' for a XXXX XXXX ( XXXX XXXX # XXXX ). Per the website ( XXXX ) a pre-qualification will not affect credit reporting- instead it would give me a rough estimate of my payment, with no consent to run my credit. Today,XX/XX/XXXX I drove to the dealership with the anticipation of purchasing the vehicle mentioned above. The dealership opened at XXXX EST and I arrived around XXXX EST. While in the dealership waiting for a sales representative, I receive a call from a XXXX at the dealership telling me that the vehicle ( mentioned above ) was sold yesterday, XX/XX/XXXX After receiving a second confirmation ( from XXXX ) that the vehicle was sold, I informed that the pre-qualification application is null and void since the vehicle was no longer available. Both of the gentleman informed me, since the vehicle was sold, it would not be processed and my credit would not be affected. After receiving verbal confirmation and email confirmation that my credit report will not be accessed nor would I get an inquiry, I get an email from my Credit Monitoring company at XXXX EST stating my credit report was accessed. This dealership was well aware that the vehicle was sold and accessed my credit report without my knowledge! I tried contacting the dealership on several occasions after receiving the alert and they continued to disconnect the phone on me. This is bad business and if this does n't get resolved within the next 2 business days, I will be contacting the BBB and filing a legal complaint under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C, Section 1681. This inquiry needs to be removed!
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX 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: Credit card or prepaid card

See attatched XX/XX/2018 statement. THRE ARE NO BEGINNING FRAUD INVESTIGATION USAA CREDITS. XX/XX/2018 {$8.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * TOTAL ( {$470.00} ) were REPORTED UNAUTHORIZED. ** THIS DOES NOT INCLUDE {$210.00} XXXX RETURN or the ** XXXX XXXX {$120.00} RETURNS. Previous bal zero. Credits {$340.00} posted merchant credits. XXXX NEW BALANCE ) ** ( AFTER XXXX XXXX CREDIT POSTED ) is the {$470.00} REPORTED FRAUD. XXXX XXXX keeps lying to slander my name to the CRAs RETAILATION for my ID THEFT REPORT. XXXX XXXX USAA needs to CEASE AND DESIST WITH THIS SLANDEROUS LIES.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am writing to delete the following information in my file.the items i need deleted are listed in the report. i am a victim of identity theft and did not make this change. i ask that the ittems be deleted to correct my credit report. i reported the theft of my identity to the federal trade commission and i also have enclosed copies of the federal tradecommissions identity theft affidavit please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft.

I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately.

I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate every piece of information and remove these items below from my credit report.

Accounts 1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX CT XXXX XXXX, MI XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Product: Mortgage

XXXX / XXXX - Home insurance company sent renewal document to Bank of America ( XXXX ) on XX/XX/XXXX at XXXX XXXX  XXXX / XXXX - Home insurance company resent renewal document to Bank of America ( XXXX ) on XX/XX/XXXX at XXXX XXXX XXXX XXXX - Home insurance company notifies me that they have not received payment for my annual premium and premium will be cancelled if they do not receive payment by XX/XX/XXXX. 
XXXX / XXXX - Emailed Loan Officer and did not receive a response XXXX / XXXX - Called Bank of America. Spent XXXX minutes on the phone and spoke to 4+ different representatives. No one could provide an explanation of why Bank of America decided to stop paying my insurance through escrow. Bank of America continues to charge me for insurance through escrow. 
XXXX / XXXX - I paid my insurance premium directly to avoid it being cancelled. 
XXXX / XXXX - Insurance company re-uploaded renewal document to insurance / lender portal.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I was recently switched from XXXX serving to Mohela for my student loan serving department. Since this transition Ive had issues with getting my employment verified to complete my PSLF employment certification. I have submitted documents on multiple occasion and the documents tend to be mark as duplicates without reviewal even when they are new forms. All of the forms submitted have all my employment history to certify my payments but they are not being reviewed, therefore, I still have payments that state they require " employment certification ''. Which is incorrect because all the documentation needed has been submitted. I have contact the company on multiple occasion and they state the payment tracker is " behind '', however this is the same incident that occurred when I had to resubmit my paperwork and wait an addition 60 days for it to be review again. My forms were submitted in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and they all were marked duplicated without a thorough review. This situation is putting a hold on my PSLF employment requirement certification and therefore putting a hold on my forgiveness application. Additionally I submitted a request in XX/XX/XXXX and again in XX/XX/XXXX to have a payment refunded to me that was made in XXXX of XXXX that has still not been processed.
Product: Checking or savings account

On XXXX XXXX I received a notification from ups that my card was out for delivery and then moments later delivered. Delivered to the XXXX XXXX in XXXX XXXX in XXXXXXXX XXXX. I did not authorize this. After trying to get In you with the hotel and I made complaint with XXXX someone had taken my card and activated it and withdrew all my government benefits from my direct express card. From XXXX they drove XXXX hours north to XXXX and withdrew {$800.00} XXXX XXXX XXXX in XXXX then again {$780.00} at XXXX XXXX XXXX XXXX when finally reaching direct express he gave me a claim number witch XXXX and told me to email id @ us direct express.com to have my identity verified. So I can recover what was stolen and the remaining {$300.00} balance. They have emailed me stating my identity is verified and to call the XXXX on the back of my card and that brings me to the Direct Express customer service which the past XXXX days I have waited hour just to finally talk to somebody who then transfers me and Im on hold for another hour and a half. If Im lucky somebody will answer then they have to transfer me and then by then, it normally just hangs up on me or when I finally get to talk to somebody they literally hang up on me and tell me have a good day. I was told Im fully insured and I would get my money and funds. I cant pay my phone bill XXXX cant take care of my insurance. I cant pay anything because of this this month. Theyre gon na turn my lights off here soon, I dont know what to do. I have a Police report. I got photos of my statements my bank statements from Direct Express whatever you need to help me get my funds back. I have it and I have called the Social Security office and had Direct Express removed from my bank so I just going through a XXXX account but they told me XXXX on my own for the DirectExpress and getting my money back they kept telling me just to keep calling them, but I cant keep calling them because nobody answers their phone can still receive calls as far as I know so my number is XXXX. My name is XXXX XXXX and I could just really use some help because I can not get a hold of Direct Express. I cant do anything to get the money back even though, they stated so but its impossible to get a hold of them.
Product: Money transfer, virtual currency, or money service

on XX/XX/year> I did send money via send wave, which was XXXX XXXX to XXXX XXXX The money come out of my XXXX XXXX  on XX/XX/year> and was credited to sendwave Few days later realized the money was not delivered to its destination which was XXXX XXXX  XXXX I did call them and email them about the transaction and was informed the fund were delivered and I should check with the receiver Have confirmed with XXXX XXXX about the transaction which they have stated that the money failed and was returned to send wave, but until now there has no communication with sendwave where money went. 
have provided to both the sender and receiver the bank statement showing the money was not credited to my bank in XXXX. 
sendwave customer services are not helpful at all, they do not reply to my emails or call to update the progress of the case all the documentation and proof of sending and not arriving they have but still they would not refund nor refund my money.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report today and i received a notification from transunion. That an account was placed for collection on my report on XX/XX/XXXX, inmediately i went on to my report to look for the account, and all my accounts are in good standing, but i saw this account on my report with a {$200.00} balance, but doesnt describe a creditor at all. Im a person that always is on top of ky credit and obligations. I dont really recognize the account at all, the creditor either, so im writing to you so you guys help me investigate this matter. Thank you for your help and pront action. 

XXXX XXXX
Product: Checking or savings account

Okay, here what is happening In XX/XX/XXXX I paid for a flight, thru the company XXXX XXXX XXXX XXXX ) to go to XXXX from XXXX XXXX for XXXX of XXXX. 
Covid hit. 

XXXX gave me a credit extension to XX/XX/XXXX I reached out to them recently to book a trip for XXXX of XXXX to go to XXXX. 
They couldn't use my credit cause I was adding on a new traveler with me. 

We did a new transaction. They sent me an email saying that I can expect a refund on XX/XX/XXXX for the amount of XXXX Its XX/XX/XXXX, I don't have the refund. XXXX sent me a screen shot of the refund being processed on XX/XX/XXXX. The card number that they had was an old card number but it was for my checking account ( it was my debit card ) I called chase, explained this all to the representative in the claims department. He said lets give it one more day ( it was XX/XX/XXXX when I first called ) and if it doesn't come thru, call back tomorrow and we will set up a claim. 

Called back today ( XX/XX/XXXX ) and am being told by two representatives that they can't file the claim anymore. Its too old. Even tho the merchant extended the time frame to this year with the credit and sent me an email stating that the refund would be received by XX/XX/XXXX. 
So the merchant extended there own time frame. 

I honestly, do not care, if its a claim or whatever, but I need to figure out with my bank how im going to receive this refund and I get told yes we will file a claim and then get told no we won't file it, then today after they said no initially, they went and started a claim, then the supervisor got on the phone to tell me they will most likely deny the claim because of the time frame. 

Im at my wits end with chase right now. I literally just want some help. The merchant has done what they can do on there end, I need help from chase at this point, and have all the supporting documentation to show that they were suppose to send me a refund on XX/XX/XXXX. 

Do I file a claim? Do I provide the merchant with my updated debit card number? What do I do?? Because chase has told me two completely opposing actions to take in the past 24 hours, even down do how to submit my information. The claims department says I only can fax it, but then I look at my chase.com login portal and it has a tab for documentation upload- and claims documents are included in that option. I spoke to a customer service representative who said yes we do have that as an option for claims, but the supervisor in the claims department as no idea? 
Please, anyone, someone - help me. The amount im suppose to be refunded is XXXX. Its not a small amount of money at all. I have the support from the merchant saying they will refund me that amount but for some reason I don't have it and when Im calling my back to help me, they are and then say they aren't at the same time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX is disputing the balance of {$3000.00} I owe on this account. Also, incorrect reporting to the credit bureaus in regards to amount and reporting " Charge-Off '' status every month. 

XX/XX/XXXX and XX/XX/XXXX are your last correspondence to me which states 'all of your reporting 's to the credit bureaus are correct. '' I disagree. 

Please stop harassing me with collection calls/letters and defaming my credit and FICO score by reporting to the Credit Bureaus Charge Off and incorrect amount every month to my account as of XX/XX/XXXX. Charge Off is only to be reported once. 

I have been trying to resolve this matter with Capital One for approximately a year via phone and via credit bureau disputes. 

Capital One informed me via phone that it was illegal for Capital One to  accept a payment from me until Capital One corrected the errors on my credit report. The Capital One employee stated she would file a credit bureau dispute. Instead I received collection letters and calls with threatening law suits. 


This unresolved matter : 1. Has interfered with me in purchasing a home and an automobile as a creditworthy customer 2. Lowered my creditworthiness and FICO score. 



To assist me in resolving this matter : 1. Im writing to request a copy of my Capital One Statements for the above account XX/XX/XXXX-XX/XX/XXXX. 

2. Please inform me of Capital Ones charge off policy. How many months does Capital One wait before a delinquent account is charged off? 

3. Does Capital One have a Hardship Policy? If yes, what are Capital Ones guidelines? 

I previously requested a hardship due to my unforeseen loss of 50 % income, from the death of my mother and my brother. Twice within two months I had to travel to New York with Funeral, Hotel, Food and Transportation expenses. I was denied by Capital One. While all of my other creditors enrolled me into their hardship program. 

I have been a credit card holder with Capital One in excellent standing for at least fifteen years. 



Sincerely, XXXX XXXX CC : Three Credit Bureaus Consumer Federal Protection Bureau
Product: Credit reporting or other personal consumer reports

I have no signed contract with XXXX XXXX XXXX XXXX XXXX XX/XX/23. I have no knowledge of this debt or account. 

I have no signed contract with XXXX XXXX XXXX XXXXXX/XX/23. I have no knowledge of this debt or account.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is incorrect information on this back ground check that is not mine. 

* XXXX XXXX XXXX ( XXXX ) Jurisdiction XXXX  ( XXXX ) Jurisdiction XXXX ( XXXX ) I think these belong to my father XXXX XXXX XXXX XXXX My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

What is mine is the following : Jurisdiction XXXX XXXX ( XXXX ) Jurisdiction XXXX XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report from all three bureaus and realize that there is an account I don't recognize. I wrote a littler to all bureaus stating ... 

" It has come to my attention that you are reporting an account that I do not recognize [ XXXX XXXX ]. After pulling a report from all three bureaus, I noticed that the account type is listed differently with each bureau, the open date is different, the past due amount is different, monthly payment is different, original limit and high balance lists different amounts. 
A few years ago, I was a victim of Identity Theftcopies of the police report and FBI agent contact information was sent to you at the time. To my understanding the law allows me to ask for all the documentation associated with this accountany detailed proof and/or copies of the original contracts and signaturesas I need to compare and match with my records. 
Please send an updated copy of my credit report to the above address ; in addition, I request that you send notices of corrections to anyone who received my credit report within the past six months. ''