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

I am filling 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. Furthermore, 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 redress for these violations.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I am in shock that I have been a victim of identity theft. I found an account on my credit report by the name of : XXXX XX/XX/year> I have no knowledge of ever signing up for this account. The account was not opened by me at all. Please remove this account from my credit report as soon as possible. Thanks in advance! I have also attached my identity theft report as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : 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: Debt collection

My ex husband purchased a boat, but it was done as a joint loan acount in XXXX when we were still married. We divorced in XXXX and divorce papers stipulate ex husband was keeping the boat and the loan attached to it. I moved and had no possession of or contact with the boat again. However, his credit was not good enough and he was unable to ever refinance it into his name and remove my name from the loan. He then stopped paying on the boat loan with Bank of the West and had the boat repossessed by them. They sold the boat to someone else but at a loss over how much the exhusband still owed. They then listed the amount of their loss on my credit report as a derogatory account and amount still owed them. The ex husband then filed bankruptcy and had it removed/discharged from his record. However, they then sent ME to collections for their lost money ( over a boat I never had ). 

The collections information is below, XXXX from Bank of the West. I received a letter from XXXX and I sent them in copies of my divorce papers showing the debt did not belong to me, requesting it get removed. However it has remained on my credit report. Initially it was {$18000.00}. A few months ago they increased it to {$23000.00}, not sure why. I do not believe in bankruptcy and do not want a bankruptcy on my record. I do not want to have to file bankruptcy over a collection item that clearly does not belong to me.They repossessed the boat and got their property back. They discharged the debt in court when the Ex filed bankruptcy on it. There is absolutely no reason their " loss '' should still be causing me credit problems XXXX years later. 

XXXX XXXXBANK OF THE WESTXXXX, XXXX $ XXXX DetailsLast Reported XXXX XXXX, XXXX Agency XXXX XXXXOriginal Creditor BANK OF THE WESTStatus OpenOpened Date XXXX XXXX, XXXX Date -- Responsibility Individual Account. 
Balance $ XXXX Balance $ XXXX Consumer disputes this account information
Product: Credit reporting or other personal consumer reports

In the summer of XXXX, Equifax reported me as XXXX  to the other credit bureaus. I had to send in paperwork XXXX times via the post office, fax, and their digital filing system to get this reversed. A customer service agent told me not to worry and that this would not happen again. Equifax would not provide me with proof of who or why I was being reported as XXXX. In XXXX XXXX XXXX XXXX issued me a credit card through their website ; this alone shows I was alive in XX/XX/XXXX. In XX/XX/XXXX, Equifax reported me XXXX  to the other credit bureaus again and stands firmly that I XXXX  on XX/XX/XXXX. I am not XXXX. I have a letter from the Social Security Administration that states that there are no XXXX  certificates in my name or in my file. California issued me a renewed driver 's license in XXXX XXXX XXXX, and I have a current passport that was renewed in XXXX. In XX/XX/XXXX, I called all three credit bureaus several times to complain and ask for a remedy. On XX/XX/XXXX, I sent in paperwork to Equifax, XXXX, and XXXX ( in duplicates to ensure they get the message ) to prove I am not XXXX  : a copy of my California Driver 's License, USA passport, a letter from the Social Security office stating no XXXX  certificates on me, printouts of my credit report highlighting where it states I am XXXX  and a letter highlighting these points requesting this issue be permanently remedied. Equifax refuses to give me proof of who or what is reporting me to them as XXXX.
Product: Debt collection

Someone has used my social security to open two accounts with XXXX XXXX in XXXX and as a result one of the accounts has been sent to collection. This account is currently affecting my credit. a police report for identity theft has been filed. 
Please see info below XXXX XXXX XXXX # XXXX address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Transworld Systems collection company. Amount in collection {$370.00} account was opened in XXXX and closed in XXXX XXXX XXXX XXXX # XXXX address : XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX TX XXXX amount {$1100.00} account opened in XXXX and closed in XXXX
Product: Student loan

Since federal student loan repayments have restarted, I have been enrolled in Autopay with Edfinancial Services. The first payment was due in XXXX ; I signed up for Autopay in XXXX. After expecting the payment would be made on XX/XX/XXXX as scheduled with the autopayment feature, I was surprised to see an email from their company on XX/XX/XXXX that I owed twice the amount I should for XXXX. After investigating, I realized the payment for XXXX was not made, even though I was enrolled in autopay. After another month of this, I de-enrolled and re-enrolled, hoping it was a glitch in the system the first time. Unfortunately, it is not XXXX ( nearly XXXX  months after my original autopay enrollment ) and nothing has changed. I have to log on and make manual payments every month, even though Edfinancial Services ' website consistently displays that my autopayment will be made on the XXXX of every month. They offer a XXXX % interest rate deduction for those enrolled in autopay, and due to the multitude of complaints about this exact same issue, one can only conclude that they are intentionally preventing autopayments from being properly set up for their customers to avoid giving this discount.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or resolve the following inaccurate accounts in my report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Student loan

Navient made it impossible to lower my monthly payments and charged outrageously high interest rates while my loan was on forbearance, also I 'm bring charged for two loans when I only accepted one and they have not assisted in finding out where the second loan came from
Product: Credit reporting or other personal consumer reports

I would like to follow up and request to remove unauthorized Inquiries from my credit report. I've enclosed a copy of the credit report. I've listed the unauthorized inquiries below and also circled them in red on the enclosed report. In accordance with the Fair Credit Reporting Act. I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate. I ask that you immediately delete the unauthorized Inquiries outline above. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above-listed address. If your investigation determines the inquiry was authorized. I respectfully request you forward to me a description of the procedure used to determine this within 15 days of the completion of your re-investigation. These are the followimng inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Company closed my synchrony bank sew & more account with no notice and no explanation. Account has a {$0.00} balance on it. Only found it had been closed when Iogged onto the account to check the status on it. Company closed it in XXXX of XXXX with no notice of what they did. Seems shady and suspicious to not even notify the card holder. Stay far away from any synchrony credit cards.
Product: Mortgage

I have asked Nationstar for assistance for a few months now and they have agreed to help me. Unfortunately my health has been deteriorating rapidly due to the amount of stress I have been under. This made it very difficult for me to get the required documents together in the time provided. All of this stemmed from my wife 's poor health as she was diagnosed with XXXX and subsequently the XXXX of her XXXX XXXX. For me this placed me in a very bad situation as I suffered a XXXX which XXXX and took over XXXX. All this not being enough the mounting medical bills and depleting money reserves placed me further and further back on my financial obligations. Now as I regain my XXXX I find that Nationstar has opted to sell my home on XXXX XXXX 2016. I have tried to speak to my assigned representative with Nationstar XXXX XXXX to get the assistance I need but I fear that I 'm too late. This did not happen intentionally as I do have proof of what has happed to me and my wife by medical records and bills. At this point I have tried everything within my power to maintain my home and I 'm now in the hands of Nationstar 's trustee XXXX to keep my home that I have worked so very hard to get. I have lived in my home for 18 years and have never had a problem or delinquency on my mortgage but now that I face losing my home I feel as I have no option. I was advised to contact your institution to see if there is at least a small hope of an opportunity to get back on track and retain my home. I 'm a good member of my community and have always been responsible for all my financial obligations. Please speak to Nationstar to give me the opportunity that I need to retain my home and get back on track with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Without my consent, Equifax collect my private information and sold it without my knowledge or consent. They then released my confidential, private information to criminals who will use it to steal my identity. Equifax then tried to 'compensate ' my by 'offering ' 'credit monitoring. ' Equifax FAILED to even provide this 'credit monitoring ' in that they NEVER provide the promised e-mail so that I could register for this 'credit monitoring. '
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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. 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. Also, The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Please DELETE ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am writing in regards to late payments on my credit report from XX/XX/2019 and XX/XX/2019 for my XXXX/XXXX account. 

I understand how important it is to make timely payments, and that failure to do so creates an inconvenience for you. However, I missed my payment because I had a serious family emergency where I had to allocate the funds to help out. I am confident that this wont happen again and I have taken steps to ensure my financial responsibility moving forward. 

As a courtesy, I am requesting that XXXX/XXXX  make a goodwill adjustment and remove the late payment on XX/XX/2019 and XX/XX/2019 from my record. This will help improve my credit worthiness and give me renewed confidence in being a XXXX/XXXX  customer in good standing. 

Thank you for your consideration, XXXX XXXX XXXX
Product: Bank account or service

Without my Permission Bank of America created 3 electronic payment transactions and debited all of my funds out of my XXXX XXXX Checking Account ( they left me with {$96.00} --. )
Product: Credit reporting, credit repair services, or other personal consumer reports

I already reached out to Equifax and to XXXX XXXX XXXX and notify them of their error posting of information on my report. The account is truly wrong. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations still persist on my credit report.
Product: Credit reporting or other personal consumer reports

Dates N/A Amount XXXX Actions- reported to credit bureaus with letters, and was told an investigation was done, sent back letter asking for proof of investigation and didn't receive anything back
Product: Debt collection

I dont know how your agency can continue to close the complaints out and let these illegal collection agencies off the hook. They never sent me anything about this debt.. NEVER REG F 1006.34 requires written notification about it that prior to placing something on somebodys credit file. Doesnt allow you to email the initial disclosure. And they never sent me the initial disclosure to begin with. Next phone call or let her is going to be for my attorney and if you dont believe Ill see you look me up on pacer baby.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I requested the removal of the inaccurately reported accounts from my credit report on XX/XX/year>. The accounts are LVNV Funding LLC # XXXX, LVNV Funding LLC # XXXX, LVNV Funding LLC # XXXX. I have also requested LVNV Funding LLC, dba Resurgent Capital Services proof of debt, and was told she was not able to provide to me. This company has been harassing me with phone calls, emails and even text messages. I do not owe this debt and need the harassment to stop immediately and these collection accounts removed from my credit report or provide me with a copy of all of the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt. Provide the original signed contract or agreement between myself and the original creditor that created the debt.

4 ) The bill of sale or assignment between the original creditor and your company.

5 ) The agreement that grants you authority to collect on this alleged debt.

6 ) Proof of permissible purpose for your company to report on my credit file.

7 ) A copy of your state license, including license number.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 
XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # 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 15 U.S.C 1681 section 602 A states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

1. " XXXX '' has a hard pull on my credit report that I in no way authorized. I believe it is XXXX XXXX when they attempted to sell me an auto refinance loan that I told them I did NOT NEED nor want and they ran it anyway after I left the actual building. I believe they ran it to try to show me they could give me a better deal. Otherwise I have never heard of XXXX, just that it is actually Wells Fargo 2. XXXX XXXX keeps showing up as hard pulls to try to get me to sign up for one of their pre approved cards in the mail. This is unwanted and totally unsolicited. I throw these in the trash.
Product: Debt collection

I checked my credit report and I noticed fraudulent and inaccurate accounts on my credit report I then proceeded to reach out to the credit reporting agencies to correct these fraudulent and inaccurate accounts but the credit reporting agencies did not correct the fraudulent and inaccurate accounts
Product: Student loan

On XX/XX/XXXX a direct debit was taken from my account for {$69.00} and evenly applied across loans I had already paid off. This brought me to a negative balance, over-paying for loans that were already at {$0.00} balances. I called to make a complaint on the phone but was not given an email confirmation or an exact date for reimbursement. I 'm unclear if errors like the below were made in other direct debit payments taken from my account. I would like a refund on this amount, and assurance this error was not made across the payments I 've been making for the last four years. Below is the list of loans the XX/XX/XXXX debit was applied to and the date the loans were paid off in full : XXXX Stafford ( Paid off on XX/XX/XXXX ) XXXX Stafford ( Paid off on XX/XX/XXXX ) XXXX Direct Loan - Subsidized ( Paid off XX/XX/XXXX ) XXXX Direct Loan - Unsubsidized ( Paid off on XX/XX/XXXX ) XXXX Direct Loan - Subsidized ( Paid off on XXXX/XXXX/XXXX ) XXXX Direct Loan - Unsubsidized ( Paid off on XX/XX/XXXX ) Thank you very much, XXXX XXXX These loans are for the University XXXX XXXX XXXX XXXX I graduated in XX/XX/XXXX.