23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Cash App ( Block, Inc. ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Formal Complaint and Demand for Compensation Due to Lost Funds To Whom It May Concern, I am writing to formally dispute the loss of my funds in the amount of {$1900.00}, which was sent via Cash App on XX/XX/XXXX, [ Year ], as documented in the attached transaction records. Despite my attempts to resolve this matter through your customer support, I have received no adequate solution or refund. 

Pursuant to 15 U.S.C. 1693 et seq. ( Electronic Fund Transfer Act EFTA ) and the Consumer Financial Protection Bureau ( CFPB ) regulations, Cash App is required to conduct a proper investigation and provide a resolution for unauthorized, erroneous, or failed transactions. Your failure to resolve this issue violates my rights under these federal protections. 

Furthermore, past legal actions against Cash App, including class-action lawsuits for failing to properly investigate disputed transactions, demonstrate a pattern of negligence and unfair business practices. If Cash App does not resolve this matter promptly, I will have no choice but to escalate my complaint through legal action, including filing complaints with the CFPB, Federal Trade Commission ( FTC ), and relevant state authorities. 

To resolve this issue, I demand the following : A full refund of {$1900.00} to my Cash App account or linked bank account. 
Compensation for any financial harm resulting from the lost funds, including overdraft fees, penalties, or missed payments. 
A written confirmation of corrective action taken to ensure similar issues do not occur in the future. 
If I do not receive a resolution within 14 days, I will take further legal action, including : Filing a CFPB complaint at www.consumerfinance.gov/complaint. 
Reporting this issue to the FTC at www.reportfraud.ftc.gov. 
Consulting an attorney for a lawsuit against Cash App based on violations of consumer protection laws. 
I expect a prompt and fair resolution to this matter. Please respond by [ Date : 14 days from today ] to avoid further legal consequences. 

Sincerely, [ XXXX XXXX ]
Product: Bank account or service

Huntington Bank took over XXXX dollars from my accounts and left me with a XXXX balance with no warning or notification. The representatives were very rude in informing me that the money was taken for an offset from the previous year. This left me in a very precarious situation as I was unable to maintain costs for work and home.
Product: Credit reporting or other personal consumer reports

my student loans on my XXXX  and equifax show that it is open and has not been updated as i my student loan have been paid in full by student loan relief program last XXXX and XXXX. A month after my student loans were taken care of my XXXX  updated that it was paid and closed the account and this dropped my debt to ratio down but my other credit reports have not.
Product: Payday loan, title loan, or personal loan

I filed for a XXXX XXXX bankruptcy but navy federal is still taking small payments out of my accounts and they have also charged these same accounts off
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$12000.00} Balance updated XX/XX/year> This company try to threaten me by taking legal action on me. And report this information to my employer n been harassed n calling me all day n night Debt is no longer mines
Product: Money transfer, virtual currency, or money service

So I used a website called Coinbase.com that is revolved around using money to invest in cryptocurrency. I invested about {$60.00} into Bitcoin. I stopped investing for a few weeks, but when I logged back on, it said that my account was frozen. When I got my account back, none of my money was in my portfolio.
Product: Student loan

I knew I was going to have to start back paying my loans in XX/XX/2023. Then I found out the SAVE program. I received an email stating that my loans were going to be put in Administrative Forbearance during this time. I sent correspondence through Mohela 's website letting them know I had applied to the SAVE program. Months passed and I didn't hear anything from them. You can't get anyone on the phone or clear communication on anything. I also let them know I was taking a XXXX credit course at my local XXXX XXXX. 

Then finally I receive a generic response via their system. It didn't give any detailed instruction on what was going on. Then I received a bill in XXXX of XXXX saying {$330.00} was due on XX/XX/2023. I contacted them again via their system and was that correct. The response I got a few weeks later was that same generic response. Like millions for other Americans I can't afford the payments but I make sure they receive {$100.00} a month until I can do better. Then I get a notice from XXXX XXXX and they put a like XXXX late payments on my credit report, it was only like XXXX or something. I contacted them again and asked how could this be? Then I even asked if the due date be changed from the XXXX of the month to the XXXX of the month..nothing. 

A couple of weeks later I received via their system that same generic message. Now today I get a message saying my loans have been back in Forbearance I don't know why and I didn't request it. I give up. I mean the SAVE program is 20 years so it's going to be a bad romance.
Product: Debt collection

I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA. 

However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FCRA. My next step is to contact a consumer protection attorney unless the matter is resolved here.
Product: Debt collection

I entered a consumer credit transaction with CAPITAL ONE and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which my insurance was not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that CAPITAL ONE claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. CAPITAL ONE has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.
Product: Debt collection

Dear CFPB Please be advised that I was not served or informed by XXXX about an allege credit card Judgment against me. Also they allegedly sold this judgment to a third party and I was not notified from either party.
Product: Credit reporting, credit repair services, or other personal consumer reports

The student loan is not transferred, it is in forbearance. Since credit bureaus couldn't help me, CFPB please update this information and fix my credit report .. XXXX XXXX XXXX
Product: Debt collection

When I rented from XXXX XXXX, they specifically told me not to complete the property condition report. I paid first months rent, last months rent, plus a deposit. I paid every month on time and I gave them notice I was moving per rental agreement. The damages they claim were already there & were supposed to be repaired but Maintenance refused to give me 24 hour notice & continuously violated my privacy by repeatedly entering the premises. I finally reported this unlawful entry to the police when he attempted to enter after XXXX. I have never been sued for these damages & there is no judgment stating I am liable because there is no proof these damages were caused by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER request 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 account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

hi, I sent out a dispute about incorrect personal info on XX/XX/2020 and its been well over 60 days with no response
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 at XXXX XXXX ( XXXX ) and on XX/XX/2019 at XXXX XXXX separate letters which both included a detailed police report were received by Experian on my behalf in regards to several accounts that were listed on my credit report due to identity theft. Since the accounts in question have been removed, blocked, or deleted from both my XXXX an XXXX   report. Experian still continues to list the accounts on credit profile which is a violation of the Fair Credit Reporting Act section 605b, 609, 611. These negative accounts are having a significant, damaging impact on my current financial status an impeding the process of my purchasing a new home. I expect Experian to delete the following accounts from my credit file immediately since they have received the proper documentation supporting my claim. 
1. XXXX XXXX XXXX # XXXX 2. XXXX XXXX # XXXX 3. XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried contacting this company by information provided and have yet to reach anyone or have anyone contact me back regarding closed accounts on my credit report concerning Navient XXXX XXXX XXXX XXXX, PA XXXX.
Product: Credit reporting or other personal consumer reports

My student loans were transferred from Nelnet to XXXX in XX/XX/year>, yet Nelnet continues to report my accounts as " open '' to the credit reporting agencies. As a result, XXXX is reporting my " Total Debt '' as almost TWICE the amount it actually is. 

I contacted Nelnet several weeks ago to complain and was told the accounts would be updated to show that they had been transferred to XXXX. That didn't happen. 

I then complained to CFPB. Nelnet responded to the complaint to say that they were waiting for XXXX to remove a " suppression '' from my account. 

Meanwhile, I disputed the Nelnet accounts with XXXX. Not only did Nelnet *not* update my accounts, they INCREASED THE BALANCES!!! Out of spite? Thanks, " XXXX XXXX, '' whoever you are.
Product: Debt collection

Progressive Management Systems is continuing to report an old debt that is n't mine. This debt is past the statute of limitations on the collection of debt and the y need to delete it .
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a a unverified account from XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX. I had previously disputed this account. I have never done business withXXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. 
I request that XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, these accounts has violated my rights according to 15 U.S.C 1681 Section 602A states I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I was robbed twice in my old apartment. 
My computer and id documents were taken. 
Then this account apparently was opened. 

This company began contacting me and I submitted affidavits stating that wasnt my debt. 
I then received notice from court they had personally served me when they never did. 

It says in process server personally served to me and that isnt true. It was served to landlord of old address. 

I have explained to the attorney office that my name was change in 2012 Anything under my old name was changed and if not it is fraud. 
I have reported this several times and they are continuing with lawsuits. Unjustly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

There are 3 new accounts ( credit/loan ) opened on the last three months that are not mine. These accounts are : XXXX XXXX XXXX in the amount of {$5800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXX XXXX {$0.00} I dispute these accounts with Experian and XXXX XXXX They responded that they verified my information with these companies consequently these accounts are remained in my report. 

I put a freeze of my credit with the 3 agencies.

I also put an initial fraud alert with the 3 agencies.

Neither I or someone else on my behalf requested these accounts and I need to be removed them from my credit report. 

In addition, I received a letter from Loan Depot informing me that my credit information has been accessed by an authorized third party. ( See attached letter ).
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. states I have rights 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 15 U.S.C 1681c ( a ) ( 5 ) Section Shares : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 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 they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit card or prepaid card

XX/XX/XXXX : I got an email that I opened a XXXX Credit Card and would be receiving the card in the mail. 

XX/XX/XXXX : I got a call from Capital One fraud department that a credit card was trying to be opened on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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. 

FAIR COLLECTIONS AND OUT Other Collection Agencies XXXX XXXX XXXX XXXX  XXXX, XXXX, MD, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Miscellaneous Banks XXXX XXXX XXXX, XXXX, OR, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX
Product: Debt collection

XXXX XXXX XXXX phone number XXXX and XXXX started calling 3 times a day on my cell phone which started about 2 1/2 weeks ago. They also started calling me at work. I advised the  collector she was calling my work number and to stop calling. The following week she called me again at work. She wanted to let me know about my past due account with XXXX XXXX. I advised her 1st that I already asked last week not to call me at work, 2nd I do n't  have an account nor have ever applied for a card. She insisted that I did and she has my Birthdate, and Social Security along with my personal information. She didnt verify my that the person she was talking to on the phone was indeed the account holder. I asked to identify the DOB on file and she stated she couldnt give out that info? Again I stated this is not my account. She transfered me to the FRAUD deptartment. The rep was able to verify that the last 4 numbers for the SSN did not belong to the account holder on file, but she was puzzled on how XXXX XXXX XXXX had my Direct Work line or my cell phone. I asked her to remove my phone  numbers and to stop calling. She said she didnt know how to do that, and could'nt guarantee that the calls would stop? She offered to put me on the Do Not Call Registry, but that is not good enough.
Product: Checking or savings account

Won't let me link my pnc account to my XXXX card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor : XXXX XXXX XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX  ( Original Creditor : XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account
Product: Checking or savings account

During the pandemic our financial situation greatly changed. I contacted PNC Bank on XX/XX/2021 through their messenger function. When the XXXX payment hit our account for the child tax credit the XXXX added funds to allow it to credit the entire amount, and then there was a ton of confusion that caused unnecessary overdraft fees. They would only reimburse partial of the overdraft fees. 
They have continued to charge over draft fees during the pandemic practically stealing our money. They told us that they would not refund any future issues. Taking from someone who is already negative just because of how a check hits ( dates via mail ) is absolutely unfair.