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

My CashApp account was taken over by scammers and over {$9000.00} has been stolen from my accounts. I have contacted cashapp and all the did was close my account for violating TOS. CashApp security is lacking or this wouldnt have ever happened, and I desperately need my money back.
Product: Credit reporting or other personal consumer reports

TransUnion Errors XXXX Paid in full not closed Date Opened XX/XX/year> not XX/XX/year> XXXX XXXX Paid in full not closed XXXX  Historical date are all wrong Paid in full not closed XXXX  XXXX XXXX  Date, balances, status and all personal information is reported incorrectly. Name, address ect. Zero payment history XXXX  XXXX Date, balances, status and all personal information is reported incorrectly. Name, address ect. Last reported, last active, last paid ect Zero payment history. XXXX Date, balances, status and all personal information is reported incorrectly. Name, address ect. Zero payment history XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) I HAVE ZERO KNOWLEDGE OF XXXX ACCOUNT WITH XXXX. THEY ARE A COLLECTION AGENCY WITH ACCOUNTS I HAVE NO KNOWLEDGE OF. XXXX HAS NOT SENT ME ANY REQUESTED DOCUMENTED PROOF OF ANYTHINK. TRANSUNION HAS NOT REPORTED ANY FACTUAL DATA ON MY REPORT. FRAUD XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  I HAVE ZERO KNOWLEDGE OF XXXX ACCOUNT WITH XXXX. THEY ARE A COLLECTION AGENCY WITH ACCOUNTS I HAVE NO KNOWLEDGE OF. XXXX HAS NOT SENT ME ANY REQUESTED DOCUMENTED PROOF OF ANYTHINK. TRANSUNION HAS NOT REPORTED ANY FACTUAL DATA ON MY REPORT. FRAUD XXXX XXXX I HAVE NO KNOWLEDGE OF THIS ACCOUNT. THEY CLAIM THE ACCOUNT WAS OPENED IN XX/XX/year> AND CLOSED IN XX/XX/year>. Please review all errors and delete each account immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX, XXXX XXXX I Account # XXXX, XXXX XXXX XXXX Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed off dispute letters to Experian, XXXX, and XXXX on XX/XX/XXXX to dispute collection accounts that are being inaccurately reported on my credit report. It has been more than 30 days and I still have no updates on my disputes and these inaccurate reports are still being reported on my credit report. These bureaus are not reporting or responding to disputes in a timely manner. These accounts need to be removed from my credit report.
Product: Debt collection

XX/XX/2022 Comenity Bank XXXX XXXX XXXX XXXX, OH XXXX Re : Charge XXXX XXXX # XXXX XXXX XXXXXXXX, I am responding to your last response letter from the Consumer Protection Bureau portal regarding this Avenue account, you are mistaken as this is your final letter because the details of this account is false and deceptive. 

You are stating it is your policy to comply with all applicable laws and regulations ; however, you are not following any Federal applicable laws based off the findings in this letter. First, you infringed upon my rights to privacy by selling my personal information to a third party agency. According to 15 USC 1692a, Congress is aware of the abundance of evidence of abusive debt collection practices contributing to the invasion of individual privacy such as me the consumer natural person. As a result, you violated my rights to privacy. You stated you sold this account which indicates you received income for this account. Your corporation is reporting this charge off on my credit report when in fact Pursuant to 15 USC 1681c ( a ) an account placed for charge to profit and loss is considered income for the consumer and no income shall be reported on a consumer credit report. Where is my 1099-c, so that I may file this charge off as income? This account will be rectified and I will be filing a form 3949-A of this fraud with the Federal Trade Commission and Office of Tax and Revenue concerning the tax fraud. Your institution will update my account as paid in full and remove any derogatory remarks. You stated XXXX XXXX XXXX XXXX XXXX may report this alleged account under its name as the new creditor. Federal Law states according to 15 USC 1692a ( 4 ) that a creditor does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. 

XXXX XXXX, whoever willfully and knowingly gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. 

As a result, I am including an invoice for {$5000.00} that will be sent to me check using certified mail for infringing upon my rights to privacy. If you should have any questions, you will contact me via email only at XXXX Thanks, XXXX XXXX XXXX ( XXXX ) Without Prejudice
Product: Mortgage

I have tried over and over again to work it the Owner of my loan XXXX XXXX   XXXX First it was XXXX XXXX, The lender was XXXX XXXX XXXX, I had XXXX as the servicer and now Loan Care which the situation has been basically impossible meaning I have been sending documents with assistance and after sending document in XX/XX/XXXX & XX/XX/XXXX with a case referral number : XXXX when they realized they had the requested documents, they came back with another request for more documents. Now they are saying they refuse a loan modification because I did not submit the documents. What documents? The loan started out at {$790000.00}. and now I owe : XXXX. What happened to all of the payments that I have made on this loan? XXXX XXXX   sent me a letter dated XX/XX/XXXX claiming that I needed to send {$13000.00}. They accepted the payments and then on XX/XX/XXXX they returned you the payments with a letter telling me I had to pay {$17000.00}. That is not what the agent told me when I made the payments over the phone and given a confirmation number. XXXX XXXX  is constantly adding fees and charges to what I owe. 
I have submitted to the new Servicer Loan Care 10 total packages for a loan modification and the last two requests a hardship letter that they never mentioned before and a signed Borrower 's expense sheet. both submitted XX/XX/XXXX. The fees are constantly going up. Please Help Thank You
Product: Money transfer, virtual currency, or money service

XXXX I had my robinhood account for two years, i transfer XXXX USD, from my bank account ( XXXX  XXXX ) ( with my name on it ), I proceeded to by XXXX and they frozen my account, so I cant withdraw my funds, they didn't tell me why, I tried to contact customer support and I could even wrote anything on the chat, it shows as I responded " I'm satisfied '' and every time I tried to make a new chat it shows the same, I tried to call them, the wait time is 4 hours, and when I get to number 1 they close my account, I already provide them with all the info they want and they do nothing, they don't even let me withdraw my funds to the original method of payment, is impossible to contact them or get help, I need my money back as soon as possible. I already heard I'm not the first person that go through this, this company does shady things!! this was on XX/XX/XXXX. They to this to people all the time!!
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 on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX  to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
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: Credit reporting or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXXXXXX Balance : {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

XXXX   XXXX   Inquiry   XXXX / XXXX /  XXXX  .  XXXX  is in violation of the FCRA for failure to provide required notice to consumers with the allotted timeframe. I went to    XXXX    on the evening of  XXXX / XXXX /  XXXX   to inquire about switching my cellular service - many advertisements were run regarding their " specials ''. The  XXXX  sales person asked for my personal information to see what deals I may qualify for and the applicable terms. He tried 3 times to  CONNECT  with  XXXX  via the stores ' computer. A  XXXX  representative NEVER joined the CHAT SESSION. This process went on for about an hour of just trying to get  XXXX  on the line. Needless to say, I left the store, never knowing from  XXXX  what the status was because no  one  from their end ever called or chatted with  XXXX  or myself. To date,  XXXX / XXXX /  XXXX  , I have NEVER received any type of required written notice or verbal communication from  XXXX  explaining if I was approved or denied, from which credit reporting agency they received my credit information or the  credit score th at was used to base their whatever decision was or was not mate. HOWEVER, an inquiry is on my credit report from their company for  XXXX / XXXX /  XXXX  . I expect for the inquiry to be deleted IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Inquiries : XXXX XXXX XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Mortgage

We applied for a construction to perm mortgage with BB & T ( Truist ). We paid for construction items outside of closing which were to be credited at closing. 

The underwriter refused to issue credits for monies prepaid claiming that they didn't know about them. We can prove that they did. 

Construction permit {$990.00} The down payment on our lot {$6700.00} Septic deposit {$2500.00} Septic installation {$1500.00} Water permit {$1100.00} This refusal forced us to bring extra monies to closing. 

They are now holding approximately {$12000.00} of our money as lender-held equity and are refusing to disburse it back to us. 

This ... after we went through 7 months of an approval process. This bank 's underwriting department is inept and abusive and has caused us an unfathomable amount of emotional distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am writing to request information about the account XXXX XXXX, on my credit reports EQUIFAX, XXXX, XXXX. As per Section 609 of the Fair Credit Reporting Act, I am entitled to see any sources or documents you have on record regarding this account, including the original contract with my signature and the credit application.
Product: Credit card

Introduction This complaint details violations of my credit card authorization and misleading information provided by Tesla regarding their " unlimited charging '' feature. 

Background In XX/XX/XXXX, I pre-ordered a Tesla vehicle with a package advertised as including " unlimited charging '' and " unlimited connectivity ''.

The pre-order included a credit card deposit. 

Issues Unauthorized Charge : On XX/XX/XXXX, I incurred a {$0.00} charge at a destination charger in XXXX XXXX, Colorado, despite the charger being marked " free. '' My credit card company cites Tesla 's prior authorization for the charge, which I believe is a violation because : * There were no signs indicating potential fees at the charger.

* The car 's displays lacked any notification before charging began.

* The Tesla app only notified me after I was connected ( on Wi-Fi ), making it impossible to avoid the charge.

* The broad authorization for " unlimited charging '' does not constitute consent for unexpected charges, especially from unidentified third parties.

Misleading Information - " Unlimited Charging '' : The " unlimited charging '' feature is misleading if it allows Tesla to authorize charges at stations not explicitly identified as paid. Tesla 's advertising and sales process should clearly disclose any limitations on charging access and potential third-party fees to avoid deceptive practices. Additionally, I paid a premium for this product from Tesla with the understanding that I was pre paying in full and upfront for charging.

Limited Control and Transparency in Charging : Similar to how gas stations display fuel prices per gallon, Tesla and third-party chargers should clearly communicate.
Product: Credit reporting, credit repair services, or other personal consumer reports

WHAT IS XXXX  CONSEQUENCE? 
In repeatedly violation of the Fair Credit Reporting Act, XXXX, with the assistance of the three credit bureaus, continues to report false information about a consolidated federal student loan and they jointly continue to disseminate and blatantly wrong information as a result.

WHAT IS THE CONSEQUENCE FOR THE THREE CREDIT BUREAUS ( XXXX, EQUIFAX, AND XXXX   )? 
XXXX and the three credit bureaus have been notified multiple times of the errors, yet, they collectively continue to report inaccurate information, in direct violation of the Fair Credit Reporting Act.

WHO IS CULPABLE FOR THESE ERRORS?

The three credit bureaus whose sole business is to report accurate  information but they decline to do so. XXXX, the business that is reporting the bogus information to the credit bureaus is also culpable. They are both culpable and they both need to be held accountable.

The errors have been and continue to be significant. The differences are evident. It should not be this difficult to get XXXX  and the three credit bureaus to report accurate information because - IT IS THE LAW. 

XXXX, through XXXX XXXX, has lied and disseminated false and misleading information repeatedly. While XXXX XXXX of XXXX has regularly contradicted herself in multiple written communications, she did acknowledge, in writing, the following : 1. There was only one, single consolidated loan not two.

2. The consolidation of that one, single loan was executed in XXXX. 
3. The consolidated amount was {$33000.00} 4. The final payment  was on XX/XX/XXXX ; XXXX cashed the check on XX/XX/XXXX. 
5. The final payment amount was/is {$19000.00} Please refer to the attachments.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX INQUIRY : COLLECTION XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i XXXX request an extension of the block. During the block, you XXXX not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I WANT TO REMOVE FRAUDULENT INQUIRIES FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Hello, On X/XX/2017 I called and documented a phone conversation with my student loan service, Navient. I was inquiring about repayment options as the current payment has not seemed to reduce the over balance at all. Also, I have been paying diligently for the past 10 years and myself and cosigner have hit a point in our lives where we can no longer afford to pay the required amount each month. I was told there are no option available to me until my loans have been defaulted. Only then would they negotiate a settlement. This is not a reasonable option as it will negatively impact my credit score. So it seems, 1. I can not lower by balance making the current payment 2. I have to go into default to receive any option for settlement or reduced payment Thank you.
Product: Payday loan, title loan, personal loan, or advance loan

I should be eligible for a payment because of my lease with Tempoe I took out in XXXX, as Tempoe has a settlement agreement with CFPB. I contacted Tempoe and told them I have not gotten a letter saying I am eligible for a payment and Tempoe responded that I am not in their system as having a lease or needing to receive a settlement payment. But, according to the terms of the settlement Tempoe has with CFPB I should be eligible and getting a payment -- but Tempoe says I am not getting a payment. I need help getting my payment from the Tempoe settlment. 

I gave Tempoe my information. I opened my pay later contract which I guess was actually a " lease '' in XX/XX/year> through a XXXX XXXX store in XXXX XXXX NC. I provided them with the receipt from XXXX saying Tempoe paid for my item and with emails from Tempoe with my lease number ( Lease ID : XXXX ) concerning my lease and the payments due. MY address at the time was : XXXX XXXX XXXX XXXX NC XXXX, my phone numner was ( XXXX ) XXXX. I have since lived at XXXX XXXX XXXX XXXX MI XXXX and XXXX XXXX XXXX XXXX XXXX, MI XXXX. My current address is XXXX XXXX XXXX XXXX XXXX MI XXXX -- and this is the address my settlement payment will need to be sent to. I gave all of this info to : Tempoe , LLC Redress Matter Administrator c/o XXXX XXXX XXXX XXXX and was told I am not in their system and not eligible for a payment because I am not in their system. I need help getting my settlement payment from tempoe.
Product: Debt collection

On XX/XX/XXXX I wrote a personal check to a contractor named XXXX XXXX for {$6500.00}. He did not show up, work, or deliver materials, so I fired him and put a stop payment on the check. Obviously, when I put in the stop payment order with my bank the check had not cleared.

Somehow the contractor XXXX XXXX was able to cash the check at Ace Cash Express anyway. My bank, XXXX, refused to pay the check when Ace submitted it, so Ace began to repeatedly call me, 10-20 times a day, and left hostile and threatening messages.

All of the messages were left by an Ace employee named XXXX XXXX. At first, I ignored them thinking that it was perfectly legal and reasonable for me to stop payment for services I didn't receive, but she continued to call me constantly.

Finally I spoke to her and she told me that I owed Ace {$6500.00} for the check they had cashed. When I tried to explain that I had put a stop payment on the check and ask why they had cashed it in the first place, she began screaming " DID YOU WRITE THAT CHECK??! YES OR NO! DID YOU??? '' while I was trying to talk to her. I hung up the phone and blocked her number.

On XX/XX/XXXX I received a demand letter from Ace via XXXX XXXX saying that I had an outstanding balance of {$6500.00}, that they would take additional measures to collect and that this was an attempt to collect a debt, etc.

How can they collect a debt from me? I didn't borrow money from them, cash a check with them or contact them in any way. Also, are they allowed to threaten me with legal action?

XXXX XXXX claims they are trying to collect the money from him as well. Isn't it illegal for Ace to collect twice on this? ( From both me and XXXX XXXX the contractor ). Shouldn't they just be trying to collect from XXXX XXXX, the guy who cashed the check after I fired him and told him not to?

Now I'm faced with filing complaints, writing letters, having my credit ruined, possibly paying an attorney, etc. Please help me and stop this awful company, Ace Cash Express, from doing this to other people. Thank you.
Product: Payday loan, title loan, or personal loan

How is this company allowed to charge interest rates over 300 % this is totally unfair and should be illegal. I am an older person and it's costing me over 800 per month for 10 months to pay back a XXXX loan.