23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am stressed and unpleased that my credit report was misused and I have been violated. I was apart the breach when the XXXX and XXXX got sued so I thought my information was protected moving forward. Thats makes me scared over the privacy of my information. As I was trying to purchase a home I discovered how I have been violated again. This is defamation of my character and putting my livelihood at risk stopping me from buying a home. So I immediately did research to educate myself and enforce my federal consumer rights so I can moved forward in my life. As the consumer financial protection bureau I ask you to help me exercise my rights IMMEDIATELY! I have several fraudulent accounts on my credit report that should not be there. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) Congressional findings and statement of purpose, my consumer report fairness and privacy has been violated.

I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. There are damages on my consumer report that is causing financial and psychological stress. According to, 15 U.S. Code 1681n ( 1 ) ( a ) ( b ) - Civil liability for willful noncompliance, I have the right to sue for up to {$1000.00} per damages for being under false pretenses and not knowing about how my information has used in the breach and the negative accounts that is on my consumer report. I know my rights!! Attached you will see the disputes I am sending to all the credit reporting agencies. REMOVE ALL THE DAMAGES FROM MY REPORT IMMEDIATELY and send me {$1000.00} for all damages.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt of {$300.00}. with XXXX XXXX XXXX. Account XXXX : XXXX I do not have an account with this company. I asked to be provided with the original contract as my wet signature and ID verification. Instead was sent a Final Bill.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) is a debt collection law firm. XXXX XXXX harassed me regarding a mortgage debt I did not owe to their client. Their client, Caliber Home Loans, Inc., is a debt collection agency and Servicer for XXXX XXXX XXXX XXXXt ( XXXX XXXX  ). XXXX XXXX is not registered with the Texas XXXX of XXXX and per the Attorney for the XXXX XXXX XXXX can not do business and/or enter into litigation in Texas or XXXX XXXX I invoked my Homestead Protection Act Instrument in XX/XX/XXXX with XXXX XXXX, ( XXXX XXXX XXXX  ) because of XXXX XXXX, HSBC Holding PLC Adjudication Agreement with XXXX XXXX  DOJ for Money Laundering and Other Financial Crimes dated XX/XX/XXXX. My homestead was protected from seizure and/or sale because of the felony crimes that XXXX XXXX XXXX XXXX A felon can not profit from a XXXX. XXXX XXXX ( XXXX XXXX ) entered into a Consent Agreement in XXXX in which all home owners were compensated for the threat to sue and initiating Foreclosure during that period. XXXX paid {$190000.00} to XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX which should have been sent to me. On XX/XX/XXXX, XXXX XXXX XXXX from the XXXX XXXX sent me a letter which stated I had a zero balance and the file was closed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, confirmed in an email that my XXXX XXXX account had a XXXX XXXXlance as of XX/XX/XXXX. XXXX XXXX employee said that XXXX XXXX reinstated the debt the same day. Please see XXXX XXXX XXXX XXXX file submitted on this site.
Product: Debt collection

I went to XXXX XXXX XXXX XXXX in Mississippi on date of service XX/XX/XXXX for XXXX. I provided my medical insurance to the hospital notating the insurance was with XXXX XXXXXXXX XXXX XXXX. I received the first statement from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX with statement date XX/XX/XXXX for {$810.00}. 

Upon receiving the statement, I contacted XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX to advise that I did not see a claim ran through my insurance at the time. I also advised per the Summary of charges that they filed the claim incorrectly to XXXXXXXX XXXX XXXX instead of XXXX  on XX/XX/XXXX. I asked why did it take two years to file the insurance which they explained the shortages and delays were due to the XXXX staffing. 

I was informed they would run the claim correctly with XXXXXXXX XXXX XXXX I was adamant that this was not my error and ask if the insurance did not pay, who would be responsible. I was advised since this was their error, i wouldn't be responsible which they filed the incorrect insurance. 

I received a statement from Online Information Services, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX with a statement date of XX/XX/XXXX that is a debt collector for XXXX XXXX XXXX XXXX XXXX XXXX advising as of XX/XX/XXXX, I owe {$810.00}. 

I contacted Online Information Services on XX/XX/XXXX and spoke with XXXX who stated I requested to be billed as self pay. I advised I didn't request self pay because I provided my insurance. I advised I spoke with XXXX XXXX advising they filed the insurance incorrectly and they are submitting the insurance to the correct state. 

XXXX advised they would research and get back with me. I did not receive any follow up via phone, email or mail. 

On XX/XX/XXXX, I called XXXX XXXX and spoke with XXXX who transferred me to the Care line to speak with XXXX, escalation specialist. XXXX confirmed that XXXX XXXX billed XXXXXXXX XXXX XXXX instead of XXXX XXXX XXXX and she was sending a new bill to XXXXXXXX XXXX XXXX and she was requesting a deletion of the debt collector that was on my credit report. XXXX confirmed, I would not be responsible for the bill if it is outside of the insurance filling timeframe due to their error. The deletion of my credit would take 30-45 days which it was removed prior to the period. 

On XX/XX/XXXX, Online Information Services added a degatrory mark/collection again on my credit reports for the {$810.00} for XXXX XXXX XXXX 

This company continues to place collections on my credit report that I am not responsible for due to their error of not filling the insurance. I contacted XXXX XXXX XXXX  who mentioned XXXX XXXX XXXX did not file the claim timely and the filing period expired. The insurance confirmed as well that I am not responsible for the untimely filling of XXXX XXXX and XXXX XXXX. But the company continues to not send any communications and place the collection on my credit reports.
Product: Money transfer, virtual currency, or money service

I am filing a formal complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which I believe 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. Despite my efforts to resolve the situation, Cash App 's response was slow and ineffective, further exacerbating the issue.

Additionally, their dispute resolution process was both unfair and deceptive, as Cash App did not comply with the error resolution requirements set forth under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. This lack of proper dispute handling and failure to follow the mandated procedures has caused significant inconvenience and financial loss. 

As a result of these practices, I am seeking appropriate redress for the inconvenience and financial harm I have endured. I request that the CFPB investigate Cash App 's actions and hold them accountable for their failure to adhere to the protections outlined under the CFPA, EFTA, and Regulation E. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

My credit card was closed yesterday XX/XX/2023 without any notice or opportunity to rectify. I had the credit card available balance in case of emergency home repairs ( I am in Florida and hurricanes are getting worse ) and would have easily set up autopay on some monthly expenditures had I known it would be closed. 

In addition, customer service ( XXXX ) asked if to reopen, would I agree to a credit check as if I were applying anew after I gave all my personal information. He could not say whether this account closure would negatively impact my XXXX XXXX and then a credit check... He could not provide any meaningful information as to the ramifications of the account closure or contact information to the company 's regulatory and compliance department. 

My biggest concern is the no-notice or opportunity to rectify but also their firewall of no information as to the effects of their actions to my credit and basically, requesting a new application. 

Lastly, I worked very hard to rebuild my credit and have been very diligent to maintain it in good if not excellent status ( 805, not sure what it will be next month ). I am concerned my ratios will be negatively impacted by losing this line of credit all of a sudden and not knowing if their account closure adds to the impact. It seems because they were not making any money off of me, they abruptly closed my account. As I indicated, to ensure a good credit rating I would have and will gladly transfer monthly autopay accounts to their card. 

Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. 

In accordance with the fair Credit Reporting act ) IN COLLECTIONS XXXX XXXX XXXX, XXXX LATE PAYMENTS, XXXX XXXX XXXX LATE PAYMENTS, XXXX XXXX, XXXX XXXX XXXX XXXX LATE PAYMENTS, XXXX XXXX XXXX LATE PAYMENTS, 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.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons. 

According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax, XXXX, XXXX, written permission to furnish these accounts. 

THE LATE PAYMENTS REMOVE OR DELETE THE ACCOUNTS.
Product: Money transfer, virtual currency, or money service

I sold my XXXX on Venmo and they froze my account and asked for my id and sent it then sent me email out the blue said my account was froze for good for no reason what so ever and want let withdrawl my money and they keep giving me the run around and want tell me what I did
Product: Checking or savings account

On XX/XX/2019, I used the ATM at a XXXX XXXX  in XXXX XXXX, XXXX, because I thought it was an XXXX XXXX. After filing a complaint with the XXXX, I learned that XXXX in the USA is a subsidiary of a foreign owned holding group with the exact same name for marketing purposes. I entered my card in the ATM machine, selected English, and attempted to withdraw money. After I selected the amount of money I wanted to withdraw, the ATM machine displayed a screen offering to exchange my US currency for XXXX Pesos at a rate that was clearly below the current exchange rate. I pressed the button to indicate that I declined to accept the transaction. The ATM then dispensed my card to me, I retrieved my card and walked away from the machine and withdrew money from a different ATM machine at a different bank that did not try to charge me a false exchange rate. 

The next day I noticed my account was debited {$310.00} by XXXX for that ATM transaction and I contacted my bank, Charles Schwab, to open a dispute. On XX/XX/2019, I learned that XXXX XXXX with Charles Schwab had investigated my dispute and XXXX had reported that the ATM was operating properly and there was no discrepancy that day. I reopened a new complaint explaining that even if that is the ATM is programmed to offer a below market exchange rate, dispense the customer 's ATM card, and thereafter dispense cash from the ATM, that is misleading and fraudulent and that I should not be responsible for an ATM machine dispensing money after I declined the transaction and my card was returned to me. I requested Charles Schwab request the video from that ATM and the logic that the ATM uses prior to offering a below market exchange rate and then dispensing money.
Product: Credit card

Ensuring prompt payments on this account has always been my priority, ensuring they never lapse into overdue status. I'm puzzled by the presence of late payment remarks on my accounts. As outlined in 15 USC 1666b - Billing Error, corrections are warranted.
Product: Money transfer, virtual currency, or money service

Commencing on XX/XX/XXXX XXXX  I fell victim to a multilayered scam operation orchestrated by XXXX XXXX ( the Company ) which involved me making deposits for a total amount of {$35000.00} from my Wells Fargo Bank account to another Wells Fargo account at the instructions of the scammers. 

Under what is now made clear to be false pretenses, the scammers deceived myself and others to send this amount of money in exchange for a " Done For You '' XXXX business. The services were never accomplished and the scammers behind XXXX XXXX [ XXXX XXXX and XXXX XXXX ] fled with the money to XXXX XXXX. 

I have reached out to Wells Fargo on numerous occasions, each time claiming they are not at fault. 

In providing its services, financial institutions as registered and licensed Payment Service Providers, are required by law to exercise the care and skill of a diligent, prudent banker. In this case, this means that the payment service provider should not turn a blind eye to known facts pointing to a real possibility that their customer is a scammer or is involved in potentially fraudulent activity. 

Please see the attached letter which provides much more detail. Thank you.
Product: Debt collection

I had someone in my account and decided to apply for a loan in my name, and they signed the loan as me for {$3000.00} and navy Federal ended up taking money back which put me nearly {$8000.00} in debt when I told them someone had gotten into my account and applied for the loan and that it wasn't me and they're holding me responsible for paying for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute to the three credit bureaus about a bankruptcy REF # XXXX being reported on my file and all the agencies responded that they validated the information with court. So, I wrote the court and asked them how they validate information being reported to the credit bureaus and their response was, ( we do not report to any case information to credit bureaus ). See attached response. So either all three credit bureaus made a clerical error in their response to me, or they simply lied to me. Either way, the reporting requirements do not comply with FCRA 611 ( 15 USC & 1616811 ) Nor do they comply with ( 15 USC 1681e ) Compliance Procedures for ( Maximum Possible Accuracy ). Therefore they must delete the information immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries from XXXX XXXX and XXXX XXXX and XXXX XXXX on my Experian Credit report which do not belong to me or i did not apply for as a result I have placed a 90 fraud alert on my Experian credit report XX/XX/2021 with XXXX XXXX is not mine or I did not apply for and requesting it either be removed or provide proof I applied for this card. Included with the proof I am requesting by which method was the application i.e. online, via phone or in person, if online please provide the ip address. 

XX/XX/2021 with XXXX XXXX XXXX is not mine or I did not apply for and requesting it either be removed or provide proof I applied for this card. Included with the proof I am requesting by which method was the application i.e. online, via phone or in person, if online please provide the ip address. 
**There was a line of credit opened which I had immediately closed. 

XX/XX/2021 A XXXX  XXXX inquiry is not mine or I did not apply for and requesting it either be removed or provide proof I applied for this card. Included with the proof I am requesting by which method was the application i.e. online, via phone or in person, if
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
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: Debt collection

In XX/XX/XXXX I purchased a XXXX XXXX XXXX. I financed this vehicle with Gateway Financial services. In XX/XX/XXXX I begin to experience issues with the car. I immediately took it back to the dealership where I purchased it from for service. They fixed whatever the issue was with the car. I continued to make the payments on the car for several months. In XX/XX/XXXX the car began to overheat and leak oil from the engine. I took the car back to the dealership again. They temporarily fixed the problem. I then continued to drive the car and make payments. In XX/XX/XXXX the engine block began to knock which is a direct indication that the engine is about to go out. In XX/XX/XXXX the engine on this car went out. I took the car to the dealership to see what it would cost for a new engine and they told me {$3500.00}. At that the time the car wasn't even worth that amount so I knew I wasn't going to pay that for a new engine. However I continued to make payments on this car until XX/XX/XXXX. I then was able to purchase a new vehicle. It was at this point I stopped making payments on the account and informed gateway that I wanted to do a voluntary repossession because the cars engine went out. My reasoning for filing this complaint is simply because I believe that I was intentionally sold a lemon vehicle. Within a month of me having the car the engine started to fail. I explained the lemon laws to Gateway Financial and they basically told me that it didn't matter that I was sold a lemon. I still owed them XXXX XXXX They have went as far as calling my job and calling my family an friends to collect on a vehicle that was a piece of XXXX to begin with.
Product: Mortgage

Throughout my loan with Bank of America, i was paying 10 years of interest. My loan was XXXX dollars because I paid a XXXX downpayment. The original loan for the property was XXXX dollars. I owned the property for 10 years and took out a loan modification through XXXXHUD with the intention of lowering my payments. The next two months the payments increased higher than it was before I received the loan modification. During the closing process on or around XX/XX/XXXX, I paid XXXX dollars to Bank of America. They claimed I only paid XXXX dollars within a 10-year period off the principle of the loan. My payments a month for over a year were somewhere around XXXX a month. After I received the modification, I was paying XXXX a month. My loan payments were fluctuating during the time I received the FHA loan and after the modification. The estimated average of my loan payments in a year should be somewhere around XXXX dollars so how did I only pay XXXX for almost 10 years. I have a statement from Bank of America where they told me my loan balance in XXXX  was XXXX  and I ended up paying roughly around XXXX during closing. I believe they charged me XXXX for XXXX  twice in which I paid XXXX  separately.
Product: Checking or savings account

I was granted an XXXX XXXX from the XXXX, and Wells Fargo Branch in XXXX Ga, froze my accounts. even after proving I was awarded the grant, the bank manager reported that i was impersonating myself. my account balance was transferred to another account without my permission. three more direct deposits were made to my original account after i was told it was closed. i was not able to use my debit card, nor online banking, nor telephone banking, nor would the bank cash any checks. I have documents as to where XXXX XXXX was alerted as a " HOT ACCOUNT '', my banking information is XXXX XXXX XXXX. also have documents as to where Wells Fargo changed my personal information on Direct deposit and savings account on my credit report. after my accounts were closed. and discovered with documentation that Wells Fargo had opened accounts in my name in XXXX, at no time have i authorized and opened an account with wells Fargo until XXXX so, my identity has been used for the last 12 years without my knowledge.
Product: Credit reporting

Reinserted previously deleted information. XXXX corrected data on my credit report with Experian Report dated XX/XX/XXXX. On XX/XX/XXXX I received report number XXXX with the incorrect data reposted. XXXX sent me a letter stating the data will be updated and requested more information for the other incorrectly reported information. Payment history for XX/XX/XXXX counting system is off. XX/XX/XXXX-supporting doc attached should not be showing 30 day late. They corrected the other months stated on the form but not XXXX payment history. I 've been working with the credit company and XXXX for four months. I truly need help on resolving this issue. I 've attached letters from XXXX and credit reports. I even did a comparison to show how they are reporting diff data to XXXX, Experian and XXXX.
Product: Student loan

I have been trying since 2021 to have Navient remove my Consolidated Loan information from my four Credit Reports Agencies ( XXXX, XXXX, XXXX and XXXX ). 

My Navient Consolidated Loan Balance {$38000.00} was moved to XXXX and my Navient Account was Closed/Paid in Full XX/XX/, since the Balance was Transferred. 

Then, XXXX split the Consolidated Loan Balance into two Consolidated Loan Balances {$15000.00} and {$23000.00} based on Subsidized and Unsubsidized Loans, but the Consolidated Loan Balances still = {$38000.00}. 

Thereafter, I applied for my XXXX Consolidated Loans to be forgiven due to XXXX from XXXX XXXX Treatment. 

The Department of Education approved my Total and Permanent XXXX Application and my two XXXX Consolidated Loan Balances were Closed/Paid in Full XX/XX/2021. 

After my XXXX Consolidated Loans were reported as Closed/Paid in Full to all 4 Credit Reports Agencies , I requested Navient to please remove their Consolidated Loan information because it was appearing that I had double the amount of Consolidated Loans between Navient and XXXX. 

Although I only had {$38000.00} total in Consolidsted Loans, with Navient and XXXX both listing the same Consolidated Loans it appears if I had {$77000.00} in Consolidated Loans instead. 

I have tried numerous times to try to explain this information to Navient Customer Service, but I continue to receive the same cookie cutter responses that my Navient Consolidated Loan is Closed/Paid in Full with no mention and/or referencing of my concerns noted above. 
-- -- I have attached an example of my XXXX Credit Report for reference. 

Please note my Navient Consolidated Loan information appears the same on all four Credit Reports Agencies.