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

I am submitting this complaint to bring to your attention a critical matter related to the reporting of child support obligations on my credit reports by XXXX and Experian. 

Child support obligations are not credit transactions, loans, or debts. Despite this, both XXXX and Experian inaccurately reported my child support obligations as delinquent credit accounts, violating federal laws, including the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 

I have not entered into any credit agreements or loan transactions with the child support agency, yet the inaccurate reporting of these obligations has severely impacted my creditworthiness and financial well-being. This inaccurate reporting also directly contradicts XXXX own statement that they can not report delinquent child support to credit. 

I have diligently fulfilled my child support obligations in accordance with the law, and it is essential that these erroneous entries are promptly removed from my credit reports to rectify this violation of my rights. 

I kindly request that the CFPB investigates this matter to ensure compliance with federal laws and takes necessary actions to correct these inaccuracies, which have adversely affected my financial standing. 

Thank you for your attention to this matter, and I look forward to a resolution that upholds consumer rights and adheres to the law.
Product: Money transfer, virtual currency, or money service

I am banking with HSBC. I tried transferring money to myself ( my own account ) in another country on XX/XX/XXXX but the bank blocked it and reported it as fraud. I called them and they kept saying in order to protect the account the fraud system suspected fraud even though this transfer is to myself! 
In addition, they block the money and did not make the money available back in the account until after XXXX hrs. 

Again on XX/XX/XXXX i initiated a transfer to my cousin who needs support and the bank blocked it again for suspected fraud, when i called them they said that i need to call them every time before i do a transaction so it doesnt get blocked! 

This is no longer fraud protection but rather infringement and oversight of the account blocking any and all transactions! 

In addition, they keep the blocked money on hold with them for XXXX where i lose interest and lose time receiving the money. 

All of this happens even though i have to securely login and generate an XXXX to initiate the transaction which obviously proves that this is a legitimate transaction.
Product: Student loan

I graduated from XXXX 2015. My repayment to pay my federal school loan bill was close to {$800.00}. I knew I couldnt afford it so I went to my credit union at department of interior credit union and asked if they could assist me to lower my payments on my federal school loan. unbeknownst to me when XXXX took over my loan the whole time I thought it was still a federal school loan. It was not. They change the specs to a state loan I wouldve never asked for that and that information shouldve have been provided to me. Now XXXX spending {$510.00} a month at the interest rate of 6.54 % which is extremely high. XXXX was contacted to see if I could refinance with them after they told me that it was a state loan. I was not aware of that all the years I have been paying. I contacted the department of interior credit union. They told me you shouldve known that that was gon na be turned into a state law and I said no I did not know it would be changed and no one told me about It.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent certified mail to Experian, XXXX and XXXX to delete three derogatory items from my credit report. The dates, amounts and actions. 

Dates : XX/XX/17 & XX/X/17 Amounts : {$1200.00}, {$3500.00} & {$88000.00} Actions : The credit bureaus stated, Verified ( They did n't provide me with any info with who they verified with ).
Product: Credit reporting or other personal consumer reports

I believe Im a VICTIM IDENTITY the person who stole my identity ACCUMULATE NUMEROUS FRAUDULENT CHARGES ON MULTIPLE DEBIT AND CREDIT ACCOUNTS OVER TIMESPAN WHILE BEING A LIVE IN GUEST AT THE FAMILYS HOME FROM XXXX XXXX XXXX Ive notified the police in reach out to the company in no action has Been taken
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to the bureaus about my late payment with XXXX, I gotten that resolved, I called and emailed them, it came back verified but I know that was not possible because according to 15 usc 1666b it states that A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This is a violation I sent them an invoice for the violations, instead what they did is delete the whole account. 


As a result, I was discriminated against and denied my right to extend credit. I also suffered emotional as well as financial hardship. Therefore, your company is liable according to 15 USC 1681o.
Product: Credit reporting or other personal consumer reports

The Family Educational Rights and Privacy act ( FERPA ) which protects the privacy of student education records, 20 USC 1232g ( b ) Release of education records ; parental consent requirement ; exceptions ; compliance with judicial orders and subpoenas ; audit and evaluation of federally-supported education programs ; recordkeeping which has an abundance of information about handling the releases of education records which includes transaction history - including loan amount. Equifax, XXXX nor XXXX is suppose to have this information. I did not consent, I do not consent. and the Privacy Act of 1974 Covers this non public information as well from be given to 3rd parties and or non affiliates.
Product: Debt collection

I have asked to verify this account with my signature ( no electronic signature ) and a copy of my identification and the account that the money was deposited into.They can not provide the requested information
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report and discovered discrepancies that are negatively impacting my ability to obtain credit. I am requesting that you investigate and verify the accuracy of the following details. Below are the accounts I need you to confirm XXXX XXXX XXXX XXXX ( Account number : XXXX ) XXXX ( Account number : XXXX ) XXXX XXXX XXXX ( Account number : XXXX ) XXXX  XXXX ( Account number : XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX ) XXXX XXXXXXXX ( Account number : XXXX )
Product: Money transfer, virtual currency, or money service

Commencing on XX/XX/2022, I fell victim to a multi-layered scam operation orchestrated by Hackers ( the Fraudsters or the Scammers ), all of whose actions are designed to achieve the goal of robbing and defrauding innocent people in the equivalent of XXXX XXXX which were transferred from my Coinbase wallet. 

It is important to mention that, during the course of the aforementioned actions, I was not informed, or better say, alerted by Coinbase in any way. No authentication protocols measures of any sort were issued, no questions asked whatsoever. Furthermore, I received no notification after the transfer of funds was completed. 

I have strong reasons to believe that the Coinbases protections systems failed miserably in my case.
Product: Debt collection

This company calls at all hours of the day. They call around XXXX and they call during work hours REPEATEDLY. And what makes it even worse, they call from multiple different phone numbers.
Product: Money transfer, virtual currency, or money service

I am filing 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. you and your account. ( 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 card or prepaid card

In XX/XX/2018 I performed a n {$18000.00} balance transfer to a promotional 0 % offer on my USAA credit cards. I spoke with a representative prior to confirm I could continue using the card for everyday spending, and that my payments would be applies as follows : minimum payment to fees, interest, and/or the balance transfer and that all payment in excess would be applied to the higher interest purchases. It was obvious very quickly that I was being charged interest every month on my new purchases, despite paying enough to cover the minimum payment an new purchases. I spoke with USAA again, it was possible it was because of the timing when I would make my payments. Over the next several months I tried various things and was always being charged interest. Finally, I decided not to spend any more on this card and only have the balance transfer on it. My new spending for the cycle ending XX/XX/XXXX on XX/XX/XXXX was {$3300.00} and my balance transfer balance balance was {$13000.00}. XX/XX/XXXX I paid {$3500.00}, and on XX/XX/XXXX I paid {$1000.00}. On my XX/XX/XXXX statement my Balance transfer balance is now only {$100000.00}. This means of my {$4500.00} XXXX payments roughly {$2400.00} was paid on my balance transfer at 0 percent interest. The application of my payments has not followed any prescribed formula that they told me, and also violates the rules set forth in the CARD Act regarding applying payments to the highest rate balance first. I have asked the company repeatedly to address this, they will not.
Product: Credit reporting or other personal consumer reports

A {$2400.00} debt from XXXX company was paid in full on XX/XX/XXXXXXXX  through the XXXX XXXX website. Shortly after another account appeared on the website stating an amount due of {$2300.00} starting XX/XX/XXXX. On XX/XX/XXXX I received a notification from Experian stating I had a collection from XXXX XXXX reflecting on my credit report. The original debtor for the collection showed XXXX which was already showing paid in full. I filed a dispute on Experian and the results came back stating the information my report was accurate and the debt was valid. 

This is incorrect and affecting my credit. I filed a dispute with Experian for XXXX for having a credit card opened in my name and it was also found to be accurate and valid.
Product: Prepaid card

US Bank mailed me a letter stating that I had funds owed to me from unemployment benefits in XXXX  in the amount of the letter states that I call a 1-800 number and speak with a operator and they could send my money or send me a new card when I call the number I got just the opposite I got told that they didn't know what I was talking about even though I had the property ID number calls and disconnect I finally got told that I could send in proof of identification and then my money would be sent to me I have used the app that they recommend and every time I put my identification in it tells me air has approved try again I have done that five times and I get the same results every time and error I just want the money that's right I have the letter how to claim my money which was all lies.
Product: Credit reporting or other personal consumer reports

Name XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Regarding Incomplete Reinvestigation by Experian Dear CFPB, I am writing to formally lodge a complaint against Experian regarding their handling of a recent reinvestigation of my credit report. 

**Account Information : ** - Full Name : XXXX XXXX XXXX XXXX XXXX Social Security Number : [ XXXX ] - Date of Birth : [ XX/XX/XXXX ] On [ XX/XX/XXXX ], I submitted a dispute to Experian concerning inaccurate information on my credit report. The details of the disputed item are as follows : I expected a thorough and fair reinvestigation as mandated by the Fair Credit Reporting Act ( FCRA ) XXXX received a response from Experian indicating that the information would remain unchanged. I believe this decision is incorrect, as I provided adequate documentation and evidence to support my claim. 
Despite my attempts to communicate with Experian, including [ mention any phone calls, emails, or correspondence ], I have not received a satisfactory resolution. It appears that they did not adequately investigate my dispute or consider the information I provided. 
I request that the CFPB investigate this matter and take appropriate action against Experian for their failure to comply with FCRA guidelines. Additionally, I would appreciate guidance on further steps I can take to resolve this issue. 
Thank you for your attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Balance Owed : - ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Deville Assets Management is currently reporting on a debt, in the amount of {$8900.00}, to the credit bureaus. This is inaccurate. The debt has been verified and it belongs to XXXX XXXX. Deville Asset Management does not own the debt. I have a contract with XXXX  and not Deville Assets Management.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. XXXXm attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$210.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$490.00} ; XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$810.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

In XX/XX/2019 I received a notice that my victory secret credit card statement ( comenity bank ) was ready. I paid my balance in full in XX/XX/2019 and made no additional charges. I called immediately after logging in and seeing 2 late charges but now product was bought/ordered. I found out that when I paid my balance in full that it was 1 or 2 days late from the due date and that the it doesn't show up as a late payment until the next months statement comes out. So I had 2 late charges of {$30.00} each plus interest on the late charge. Their policy is to only refund 1 late charge per year. They wouldn't budge on the policy so I asked to pay what I owed ( right then on the phone ) and cancel my card. So they refunded 1 late charge. I paid the late charge and interest on the late charge. I received verbal confirmation that the credit card was closed. I moved and actually changed phone number about 1 month after that. I pulled my credit report and saw now I owe comenity bank over {$200.00}. I called and they said that when I made that payment to close the credit card I was already late and now there is more interest on a late payment that has nothing to with the original balance
Product: Debt collection

" Midland Credit '' keeps calling several times per day asking for someone who has never been at this number ( it has been my family number for XXXX years ). Even after telling them this and them promising to " update their records '', the calls resume shortly thereafter ( or never stopped in the first place ). Here are some examples : Date Time Ext CO Dial Number Ring Duration Acc code CD XXXX XXXX/XXXX/15 XXXX XXXX & lt ; I & gt ; XXXX XXXX Servic XXXX XXXX XXXX XXXX & lt ; I & gt ; XXXX XXXX Servic XXXX XXXX XXXX XXXX & lt ; I & gt ; XXXX XXXX Servic XXXX XXXX XXXX XXXX XXXX lt ; I & gt ; XXXX XXXX Servic XXXX XXXX XXXX XXXX & lt XXXX I & gt ; XXXX XXXX Servic XXXX XXXX XXXX XXXX & lt ; I XXXX gt ; XXXX XXXX Servic XXXX XXXX XXXX XXXX & lt ; I & gt XXXX XXXX XXXX Servic XXXX XXXX XXXX XXXX & lt ; I & gt ; XXXX XXXX Servic XXXX XXXX XXXX XXXX & lt ; I & gt ; XXXX XXXX Servic XXXX XXXX XXXX XXXX & lt ; I & gt ; XXXX XXXX Servic XXXX XXXX XXXX XXXX & lt ; I & gt ; XXXX XXXX Servic XXXX XXXX XXXX XXXX XXXX lt ; I & gt ; XXXX XXXX Servic XXXX NA
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted online disputes within the last 6 months and have not been able to get the results and one is still pending although its past 30 days and another result is merely n/a with no explaination. below are the credit report numbers in question : XXXX pending from XX/XX/XXXX XXXX completed XX/XX/XXXX result is n/a XXXX completed XX/XX/XXXX result states delivered online however i never received them. XXXX completed XX/XX/XXXX states to click on " view '' to see the report however upon clicking it, nothing happens, unable to view it.
Product: Credit reporting or other personal consumer reports

Currently have XXXX as my mortgage company for the past year i have been fighting with them over my Escrow and why my mortgage payment went up {$400.00} more a month. and now they have said i have not paid the last five months of my mortgage, which i have paid and they have pulled that money from my bank account, and not putting it towards my mortgage. i have read many Reviews and complaints of XXXX and i am not the only victim. I know something is all messed up I call XXXX and no one knows what is going on. Now with this issue my credit report took a big impact. in a bad way. XXXX is saying negative things that impact my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  # 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 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 for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I called and notified Equifax by phone that I had inquiries on my credit report because I believed to be fraudulent and they've sent me back their dispute findings were verified but I did not get any verification of how it was verified or something very very my signature authorizing someone to in view my credit these are fraudulent inquiries on my credit report and I don't understand how they could be verified
Product: Checking or savings account

The name of the company is Wise. It goes by XXXX XXXX XXXX bank. 

I got an email today XX/XX/24 that my account had been closed. I use their email system to open the appeal, which they only asked for my banking information upon calling them numerous times they were not able to give me any information regarding the balances to my account or anything like that. I had over {$40000.00}. 

XXXX XX/XX/XXXX transfers from XXXX and XXXX were done totaling XXXX to be deposited into the account. XXXX currently unaware of the whereabouts of this money because there is no information given in the account closure. 


I am filing this Complaining against this company because they are not disclosing any information to me and theyre withholding my funds without any real way to get them back besides waiting an indeterminate amount of time to get them back or get some resolution. 


Im asking for this agency to step in and help and get the resolution done this was used for alll my expenses daily.
Product: Checking or savings account

I checked my bank account remotely on XX/XX/2018 and immediately reported 8 fraudulent charges to my account, and closed the card. I have no XXXX  account and no relationship to the Fl Tag Go Renew DMV in Florida. One can observe two other non fraudulent charges that bracket these other charges, both occurring in Pennsylvania and being legitimately my purchases. On XX/XX/2018, I went into a TD Bank and filed a dispute, surrendering my debit card. On XX/XX/2018, I received a letter saying they denied my fraud claim dipute. I was under the impression that there are consumer protections, especially given that I reported the fraud almost immediately ( the same day ) and still had possession of my debit card. The bank representatives continue to tell me that because the merchant could verify the XXXX code and zipcode, that they have deemed the charges to have been mine. If the suspect stole this information online, of course they would also have all of this " verifying '' information.