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

On XX/XX/year> and XX/XX/year>, I received unsolicited Visa Debit cards from Cash App in XXXX XXXX, Illinois. In neither case did we apply for the cards. In addition, using normal financial institution verification procedures, these cards should not have been issued. I have long had freezes in place with all XXXX credit bureaus, and with XXXX XXXX. Had Cash App followed normal financial institution protocols, neither account would have been opened. These were opened to perpetrate fraud and/or facilitate money laundering. 

While Cash App has agreed to investigate, and will likely close both accounts ( in process ), they do not have proper identity verification systems in place NOW. This should not be happening. We can only assume personal information has been leaked in data breaches- since these accounts can be opened with minimal information. However, if Cash App simply did normal validation before opening an account, this would not continually happen.
Product: Credit reporting or other personal consumer reports

I received a notification on XX/XX/2024 through my XXXX credit report that a charge card under the account name XXXX XXXX XXXX XXXXk had been opened under my name on XX/XX/2024 and had a balance of {$1300.00}. I called the bank directly to report it as fraud since I did not open this card. 

Also, I received another notification of a hard inquiry on my credit report alerting me that a credit card application was submitted under my name for a Dicks Sporting Goods Credit Card through Synchrony Bank. I called the bank directly to report it as fraud as I had never applied for a credit card with Dicks Sporting Goods. The bank confirmed that they have alerted the credit bureau of the fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached!! I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. I kindly request your prompt attention to this matter.
Product: Student loan

Over the last five years, I have received a lot of misinformation from Navient regarding my loan repayment. Initially, when I would request information about income sensitive repayment or forgiveness they would instead suggest deferment and forbearance. Which added years to my loan and thousands of dollars. Once finally entered into these programs I have been given consistently changing information about my status, sometimes I am told, like when I called in XXXX, that I needed to refinance completely, sometimes I am told I am part of the program, other times the dates of forgiveness are different. I have been told both 20 and 25 years, then after being in the program for 15 months that I do not qualify at all and will need to refinance. 

Much of their staff is from the XXXX and have no experience with American student loans, other times like this past XXXX the person is an American and still give totally inaccurate information. In the end, my student loans are already over twenty years old, the income sensitive and 25 year and 20 year forgiveness programs have existed since XXXX yet time and again staff has discouraged my entrance, telling me my loans where not qualified and once entered in XXXX that I was no longer a participant or was never part of loan forgiveness. This misinformation has kept me from a forgiveness program that I was qualified for all while adding thousands to my repayment.
Product: Mortgage

My mortgage was purchased by US Bank. I received a call saying my mortgage payment was late. They sent me a letter in the mail and explained don't use email or text just regular mail ... in XXXX. I use auto bill pay as i travel extensively for work and never received any letter. This was due to my insurance going up and increase in amount needing to be escrowed they said I owed a late fee and {$170.00}. The person I spoke to said she would waive late fee if I paid right then and there, but only with bank info right then and there ... I couldn't send it. I gave her bank routing / checking number. 4 month later I get another call saying I owe {$450.00} in late fees because the transaction didn't go thru, because they missed one number on my account, I escalated this and supposedly they pulled the call and said I gave the wrong account number ( which I know by heart ) but they wouldn't let me hear the call. So I owe {$450.00} in late fees on {$170.00}. Now I just received another email stating again mortgage not paid and have a late fee. They explained your insurance went up again and I need more in escrow, when actually my insurance went down and then they said well we calculate escrow in XXXX and estimated it when my insurance renews in XXXX. They agreed insurance went down, but due to there calculation I had to pay the {$280.00} in order to bring my account current.. again I use auto bill pay. I'm so sick of this I ask if I can just not escrow and pay my own taxes and insurance, to which they reply " I can do that but there is a one time fee of {$1300.00} to discontinue escrow. I've been in the banking and financial services business for 25 years and personally dealt with many lenders. I believe this bank is using deceptive practices to run up fees any and every way they can. How can they charge me {$1300.00} to not escrow for taxes and insurance. They are constantly looking for ways to charge fees and they're employees just tow the company line without waiver.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  is reporting inaccurate information on my credit report. They reported that I have a late payment of 30 days or more for the month on XX/XX/XXXX. I have proof of all payments made along with the dates and also proof of all payments on their site shows that I have never been late 30 days a or more while having this account. I filed a dispute with all 3 credit reporting agencies but the company refuses to update their information. I also called in on multiple occasions regarding this and representatives have told me that they do not see any late payments of 30 days or more on my account and my account is paid up to date and in good standing. Representatives have also put in a request fir further investigation into the matter but the company has failed to respond or send any correspondence to me stating that I have been 30 days or more late with a payment. Payment dates since the opening of the account XX/XX/XXXX. Payments were made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. All of these payments show paid via my bank account and also on citizens bank account. I am asking that they fix this matter immediately before additional legal action is sought.
Product: Mortgage

On XX/XX/17 my bill payment with XXXX XXXX XXXX did not go through when it was on auto pay. I reached out to the company and they said they saw the payment tried to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark in my credit and the company will not help me with this unfair situation.
Product: Debt collection

I am filing this complaint because I have no relationship with this company. They have been calling me on my two phone numbers, harassing me by attaching repeated emails, pretending to be collectors and threatening to sue me. Their calls are threatening.
Product: Checking or savings account

I have signed up with an account on XXXX XXXX and after signup initiated information to begin transfers from external accounts. The following day my account was XXXX and customer service noted my account was under review. XXXX days later they initiated transfers worth > {$150000.00}. After multiple calls to customer service and in-person visit to their office, they still will not allow access to my funds. They claim to need to verify my identity but ( XXXX ) will not tell me how nor give me the opportunity to do this and ( XXXX ) this should have been asked before they initiated transfers from external accounts to XXXX and locked me out of access to my funds. I am continuing to deal with this issue and keep being passed around from customer service rep to customer service rep and no one will unlock my account. After demanding they transfer the funds back to their original source they refuse. I asked to speak with their review department, and was told they do not have a means for me to contact them. I still do not have access to my funds and they refuse to enable access to my account. 

I have contacted the company on the following dates to try and get this matter resolved : XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 I have spoken to multiple customer service representatives with no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX  Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX XXXX Has violat

ed my rights15 U.S.C 1681 Section 620 A : States I have a 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 instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN A VICTIM OF IDENITY THEFT
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is about XXXX XXXX, I am victim of identity theft, this has been reported to the 3 major credit bureaus and law enforcement, a security alert is on my credit files see addendum below. I did not authorize an inquiry on my Equifax on XX/XX/2019. Please remove immediately. XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX XXXX : {$780.00} XXXX XXXX XXXX XXXX XXXX XXXX LEASE END XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5000.00}
Product: Debt collection

Harvard Collection Services , Inc. has placed a medical bill on my credit in the amount of {$2600.00} from XXXX/XXXX/2010. They admit that the bill is NOT mine and that it belongs to my daughter now almost XXXX. They even verified the address of the person who the bill belongs to which is an address that I 've never lived at. In addition before this was placed on my credit I never received any other correspondence regarding this debt. No opportunity to dispute this debt or challenge it 's validity. The only thing they say they can do is offer me a settlement for the balance. I asked them why they 're offering ME the settlement when the debt does n't belong to me. I was told it would be best to just pay it, because it will not go away - although it still will not be removed from my credit, it will just show as paid. I do n't owe this debt and have been penalized via credit for a debt that is n't mine.
Product: Debt collection

I previously submitted a complaint about Rausch Sturm LLP attempting to collect the incorrect amount of debt. On XX/XX/2022 Rausch Sturm LLP sent communication confirming the actual and correct amount of debt owed. They said that, I as the customer only owe XXXX to pay my account in full. 
I have made multiple attempts to contact Rausch Sturm LLP to pay the above amount to settle my account. They refuse to give me access to my account saying it is still in a dispute. No one can answer my questions of how long it will take or offer any solutions. I would like to pay off the account and be done with this company. I have called weekly to ask for updates my account and have not received any helpful information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX OF XXXX is reporting that on XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, & XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 10 unauthorized inquiries on my TransUnion, XXXX and XXXX credit reports that I have requested to be removed. 

1. XXXX XXXX 2. XXXX XXXX 3, XXXX XXXX XXXX 4. XXXX XXXXXXXX XXXX 5 . XXXX XXXX XXXX 6. XXXX XXXXXXXX XXXX 7. XXXXXXXX XXXX XXXX XXXX XXXX 8. XXXX XXXX
Product: Credit card

Discover credit card company refused to take there company off my credit report. I dispute this account more then once. This discovery credit card is affecting my credit score from buying a home. Discover credit card said this is. My account and this account isn't mine it was open fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a vehicle in XX/XX/2016 and corresponding 3 year financing ( {$9700.00} ) through XXXX XXXX. Currently, my open balance is {$500.00}. My credit reports shows the open balance but, there is no reporting of a related Credit Limit or High Balance. The failure to report the Credit Limit negatively impacts my credit score as shown in the attached documents. I submitted disputes to both the Credit Reporting Agency ( XXXX  and directly with XXXX XXXX ) to no avail. The results of the most recent XXXX Re-Investigation is included.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax XXXX a late payment reported by XXXX XXXX XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment reported as late as XX/XX/XXXX was made on time, as evidenced by my bank statements and payment confirmations. Despite providing this information in my initial dispute, the error has not been corrected. 
Additionally, under the Truth in Lending Act ( TILA ), section 15 U.S. Code 1637 ( b ), creditors are required to provide clear and accurate information regarding the terms of the credit. If the late payment reported does not align with the terms initially agreed upon, it warrants removal. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX.
Product: Checking or savings account

On XX/XX/XXXX, my father designated me as a beneficiary on his payable-on-death account. My father passed away on XX/XX/XXXX. 

Despite numerous requests on XX/XX/XXXX to the present, American Express National Bank ( AMEX ) has not complied with the account payable-on-death designation. 

Most recently on XX/XX/XXXX, AMEX - despite receipt of copies of the account POD designation and my father 's death certificate - claimed that they had no evidence of the POD beneficiary designation. On XX/XX/XXXX, I provided American Express ( AMEX )  with documentation of the facsimile transmission records my father saved of his designation dated XX/XX/XXXX. 

To date, AMEX still has not released funds to the designated account beneficiary. The record substantiates that I am entitled to the account funds, with over 591 days since my father 's death.
Product: Credit card or prepaid card

On XX/XX/XXXX, I discharged both my American Express bills, they cashed the negotiable instrument. But not for the complete amount of coupon. UCC3-603 states if they endorsed the back of the negotiable instrument which they have. Then all debt should have been discharged. I will be contacting the attorney general about this matter of extortion from American Express. 
Thanks XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I did not sign up for this website or apply for this loan. I have never heard of this website and believe someone has stolen my information to use this website. 
The loan was opened XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have new information regarding CFPB complaint # - XXXX & XXXX. 

I sent this company a dispute on XX/XX/2022. Tracking # XXXX delivered on XX/XX/2022. Pursuant 15 USC 1681I ( a ) ( 6 ) specifically ( 6 ) ( b ) ( III ). I have the right to get the description of the procedures. This should have been sent to me via mail with in 15 days pursuant 15 USC 1681I ( A ) ( 7 ). Today makes day 21. They are in complete violation. I would also like to note this company only have 30 days to complete this investigation. If the investigation is not complete within that 30 day the company must delete the requested items pursuant 15 USC 1681 ( a ) ( 1 ) ( a ), ( b ), and ( c ) This company is in complete violation.
Product: Debt collection

I briefly resided in an apartment complex plagued by numerous issues, notably mold and cleanliness problems. During my discussions with management, I was explicitly informed that I could vacate the premises without penalty. However, management resorted to unlawful practices, such as attempting to impose unwarranted late fees. I withheld rent only during periods of active dialogue with management, who frequently delayed responses due to their absences and other reasons. 

The property consistently faced issues, and my complaints resulted in increasingly hostile behavior from the staff. Despite ongoing discussions with their attorney to facilitate my departure and resolve any outstanding matters amicably, I unexpectedly received an eviction notice. Eventually, they withdrew the eviction case, yet shortly after I moved out, Fair Collections & Outsourcing reported an erroneous XXXX  debt on my credit report for unpaid rent, despite no outstanding balance. 

Upon immediate inquiry, I was directed by their attorney 's office to contact FCO directly. Despite sending multiple letters requesting verification of the debt and offering to settle the alleged amount in full, FCO has not responded to any of my correspondences. Even direct appeals to the CEO, XXXX XXXX XXXX  yielded no resolution. 

This unjust collection item prevents me from purchasing a home or obtaining credit. I have been unsuccessful in seeking assistance from credit reporting agencies. Urgent intervention is needed to rectify this matter and expunge this erroneous collection from my credit profile.
Product: Checking or savings account

I believe I may have been victim to the recent Bank of America finding where they created fake accounts as I had a checking account created. When I complained they could not offer any reasoning as to how that may have happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a 30 day late showing up on my credit report inaccuratlly and further more the FCRA 603 15 usc 1681s-3 " EXCLUSIONS '' the term " consumer report '' does not include ( i ) report containing solely as to transactions or experiences between the consumer and the person making the report. my payments are an transactions and does not supposed to be incuded in the report. on Account : XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unknown XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
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 ). Specially, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthemore, their dispute ressolution process wasunfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. This actions have caused significant inconvenience and financial loss, and I seek appropiate redress for these violations.