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

I am filling a complaint against cash app XXXX XXXX XXXX due to inadequate customer service and unfair practices, which viloated the Consumer Financial Protection Act ( XXXX ). Specifically Cash App Failed to take timely XXXX  protected measures to prevent and address fraud on their platform, leaving my account valunerbale XXXX  unprotected. Further, more there dispute resolution process was unfair XXXX  deceptive, as they did not comply with error resolution requirements under the electronic Funds transfer XXXX ( XXXX ) and XXXX XXXX These actions has caused significant inconvenience and redress for these violations.
Product: Bank account or service

Associated Bank who I have been a customer with for over 10 years is continuing to add fees to an account that is already overdrawn. I am constantly getting conflicting information, I was told by the customer service toll free number that I could cash checks on my savings account since it had a positive balance, I was told at the branch that I would have to deposit my work check in the negative account even though I am not in the position to do that. I was at the bank on Saturday cashing a {$4.00} check and I heard the teller yell that my account was overdrawn which a few people overheard. The teller should have just given me the negative balance on a receipt and not yell it where other people could hear it. It was very unprofessional but the bank states they will close this account if the balance is not bought to a positive balance, the account will be closed on XXXX/XXXX/16. I have spoken to my other bank XXXX XXXX about not honoring my check but they are investigating this and I was advised it could take about XXXX days which means this will be resolved until XXXX/XXXX/16 per their calendar. I want all of the fees after XXXX/XXXX/16 to be credited back to the account because the account is already negative so need to add unnecessary fees to the account. I had Associated Bank collection calls and they claim my address is incorrect even though my address has been the same for over 12 years. They continued to call me even though they claim the information is not correct.
Product: Student loan

I never attended XXXX XXXX - ever thus all student loans pertaining to that school in my name were discharged. On XX/XX/2023 I received a notice regarding the approval of my borrower defense case regarding all loans associated with XXXXXXXX XXXX Application # XXXX. With that said I am due a refund of {$1400.00} or more. Since Ed Financial is my servicer it is the responsibility of Ed Financial to initiate the refund owed to me. Ed Financial has not taken any steps to initiate a refund for me.
Product: Debt collection

Dear Sir/Madam at LVNV Funding LLC , I am writing to formally dispute and request the removal of an alleged debt of {$1200.00} from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual relationship with your company or the original creditor. 
The inaccuracies regarding this account are in direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To address this issue, I require the following documentation : Evidence of your authorization to collect debts under 15 U.S.C. 1692 ( e ) and 1692 ( f ).

The legal basis for collecting this alleged debt.

Proof of your authorization to operate in my state.

Documentation of the alleged debt, including any contracts or agreements with my signature.

A complete account history, including all collection-related charges.

I am filing a formal complaint for violations of my rights under the FCRA and FDCPA. Specifically : 15 U.S.C. 1692d : Prohibits harassment or abuse in debt collection.

15 U.S.C. 1692e : Prohibits false, deceptive, or misleading representations.

15 U.S.C. 1692g ( b ) : Requires proper disclosure of my rights.

15 U.S.C. 1692f : Prohibits unfair or unconscionable means to collect a debt.

Pursuant to 15 U.S.C. 1692g ( b ), I demand an immediate halt to all communication and collection activities related to this account. Additionally, under 15 U.S.C. 604 ( a ) ( 2 ), no account should be furnished without my written instructions.

Given the fraudulent nature of this account and the lack of contractual obligation on my part, I request the immediate removal of this disputed account from all credit reporting agencies. Please provide the requested proof of debt and your authority. If you can not provide such proof, I insist that you delete any erroneous reports of this alleged debt from my credit files.

Your prompt attention to this matter is crucial. Failure to comply may result in further legal action to protect my rights.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Reporting XXXX  ( Report Number : XXXX ) Dear Consumer Financial Protection Bureau XXXX I am writing to formally dispute inaccurate and misleading information being reported by XXXX  on my credit report. The details of the account are as follows : Details of the Disputed Account : Account Name : XXXX Account Number : XXXX Account Type : Auto Loan Date Opened : XX/XX/XXXX Status : Repossession ( {$8100.00} past due as of XX/XX/XXXX ) Original Balance : {$18000.00} This account contains several inaccuracies and reporting issues that violate federal credit reporting standards. 

Grounds for Dispute : 1. Repossession Reporting : The account status indicates a repossession dating back to XX/XX/XXXX, yet the payment history lists ongoing repossession statuses through XX/XX/XXXX. This creates a misleading representation of the account. Under 15 U.S.C. 1681s-2, creditors are required to furnish accurate and consistent data.

2. Inconsistent Payment History : The payment history redundantly lists repossession for multiple months ( e.g., XX/XX/XXXX, XX/XX/XXXX, and prior months ), creating confusion and potential over-reporting of derogatory marks. This redundant reporting must be corrected. 

3. Validation of Debt and Balance : The current balance of {$8100.00} is inconsistent with prior communications regarding the debt. XXXX has not provided adequate documentation to validate the amount owed, as required by 15 U.S.C. 1681i.

4. Failure to Correct Prior Dispute : This account was previously disputed, as noted in the reinvestigation details dated XX/XX/XXXX. However, XXXX failed to fully address or correct the inaccuracies identified in the dispute, violating the Fair Credit Reporting Act ( FCRA ). 

Requested Resolution : 1. Remove Duplicate Repossession Entries : Correct the payment history to eliminate redundant repossession statuses for months following the initial repossession in XX/XX/XXXX. 

2. Validate the Debt and Balance : Provide a detailed validation of the {$8100.00} balance, including a breakdown of charges, payments, and fees. If the debt can not be validated, delete the account entirely from my credit report.

3. Ensure Compliance with FCRA : Verify that all reporting related to this account complies with federal regulations, including the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 15 U.S.C. 1681s-2 ).

4. Amend Credit Reporting : Update the accounts reporting to accurately reflect its status and remove any redundant or misleading information. 

I am requesting the CFPBs assistance in investigating this matter and ensuring that XXXX complies with its legal obligations. Please confirm receipt of this dispute and provide updates regarding your investigation. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax on XX/XX/XXXX regarding removing a remark/comment that was added to my XXXX account for some reason the agent deleted the whole account the next day off my credit profile without even doing a proper investigation as they should because if they did they would've known that this was a factual account with over 10 months positive credit history, my score dropped XXXX points putting me in a bad spot now being that I'm in the process of financing a home and now because of Equifax I'm not qualified anymore because of the score decrease, if you check my XXXX and XXXX report XXXX account is present on all, but as for those hard inquires they are not on any other bureaus so I don't see why you Equifax said it was factual and still have not been able to show me the steps they took or any proof that they actual investigate it properly to prove the hard inquiries are " factual '' from my previous complaint. The Fair Credit Reporting Act ( FCRA ) permits you to make a dispute claim, requires the bureaus to investigate it within 30 days and either provide proof to you that it is a legitimate debt or delete the item. 

complaint I.D : XXXX and XXXX Law that Equifax broke 15 U.S.C 1681 section 602 A. States I have the right 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 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before expiration of the period under section 611 ( a ) ( 1 ). ( 5 ) Treatment of inaccurate or Unverifiable Information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or in complete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, modify that item of information, as appropriate based on the results of the reinvestigation : and ( ii ) promptly notify the furnished of that information that the information has been modified or deleted from the file of the consumer
Product: Credit card

I received email from " XXXX '', domain owned by synchrony bank, promising " EXTRA 10 % on Top of 15 % Off Any Single Item Thru XXXX '' if i apply for their credit card. 

I applied for a credit card, got it, went to store. Manager told me that bank not giving them option to add 10 % discount and told me to call bank. 

I called bank, bank told me that they do no offer promo with 15 % off. Bank refused to provide any other resolution.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnionXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I 'm paying close to {$650.00} a month for my private loans ( I have a sum of federal loans as well ) and I investigated further into where my payments are actually going. I noticed that less than 50 % of total payment per loan was being applied to the Principal amount. I contacted Navient, my private loan servicer, and tried to change the allocation of my payments to be put towards the Principal amount. Apparently, they do not offer that option and I 'm out of luck when it comes to trying to pay down the Principal amount. They also informed me that they do not offer any kind of income based repayment options. They offer other repayment options, but those have to be set up with their Collections department and declined to offer any more information on details of repayment options. Since XX/XX/XXXX ( current XX/XX/XXXX ) I have paid approximately {$600.00} of my balance and my interest rate on all loans has increased by 0.25 % ( highest interest rate is 11.000 % with no interest rate below 8.875 % ). I feel like I 'm being robbed and just treading water with these loans. I feel as though I will never get out from under this debt. I make a decent salary with my current job, but I know this will not always be the case and right now I can only afford to pay the minimum of {$650.00} a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt should be clear. XXXX is under investigation fraud.
Product: Credit reporting or other personal consumer reports

XXXX CFPB COMPLAINT # XXXX cFPB follow up complaint # XXXX recent dispute confirmation with Equifax Since XXXX you guys said you deleted this inquiry for XXXXXXXX XXXX XXXX that was made on or around XX/XX/2023 and you didn't! You lied to the CFPB which is a violation and I want to know the steps to get compensated. See attached for the old Identity theft reports as well as complaints where you said in writing it is removed.
Product: Debt collection

XXXX     2017   XXXX  Never dealt with account, account/ company unknown / fraud
Product: Checking or savings account

Wells Fargo has used my personal information to open and established fraudulent accounts in my name, I was in the military in 2009 came home late XXXX and XXXXXXXX XXXX XXXX  this is where it started they used my information to open accounts, I never open an account in 2009, I have been going through this mediation process over 5 years and still finding out that the wells Fargo rep that worked in the XXXX branch in ga used my personal information to commit identity fraud, trying to open insurance account, and other accounts, I have recently got a mediation form filled it out sent it back, I spoke with this claims rep in the mediation program I dont appreciate being antagonized on the phone, this has damaged my credit, and Im having someone to try to file taxes in my name I want this resolved, Im being trying to get this resolved but this guy XXXX doesnt want to realize what this has done to me, Im not going to deal with anymore I want someone to get in touch with me so I can resolve this before I take legal action, I know my options, I gave this claims rep XXXX settlement offer if XXXX plus Wells Fargo pay the taxes, now its a even XXXX or Im going to hire this attorney, Im tired of having the finger pointed back at me, now resolve this before I hire this attorney, I have a witness that heard claims rep XXXX say that their were other accounts open in my name but decided to change his story, wellfargo had leaked my information on the dark web, and I have spent countless hours calling credit bureaus, XXXX, XXXX, XXXX, Im tired of it, now resolve this have someone reach out to me before I file a law suit, Wells Fargo has done enough damage,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nebraska XXXX You are in Direct violation of the Fair Care Act Reporting ( Account Name and Numbers ) 15 U.S.C 1681 section 602 A. Clearly states that i have the right privacy.

15 U.S.C 1681 Section 602 A. Section 2 : it also states that a consumer reporting agency can not furnish an 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 Remove these late payment and update the account information immediately as yu are in direct violation of several laws under The Fair Credit Reporting Act!
Product: Credit reporting or other personal consumer reports

This account was open fraudulent to get mobile services without my knowledge or consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX please remove this account from my credit report.
Product: Student loan

I need my income driven repayment information in order to complete underwriting for a mortgage. This information is not being sent to me which has opened me up to a potential breach of contract lawsuit in addition to losing my earnest money and survey, inspection fees. By witholding this information, my servicer is causing immense damage to me as I could be without housing should this sale fall through.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been going back and forth with the lender regarding removing 30 day late payments on my credit report for XX/XX/XXXX, XX/XX/XXXX and XX/XX/2017. I was unaware that the payments were being posted to the month prior causing the late. I made a payment every single month, and would have made a double payment had I known. These lates are really hurting my score and I would like for them to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are hard inquires which I did not authorize. 
I requested investigation, but they never started investigation. 
Want to finally fix this error
Product: Mortgage

CAILBER HOMES LOANS WAS NOT HONEST ABOUT THEIR POLICY AND PROCEDURES REGARDING MODIFICATIONS..I REQUESTED A MODIFICATION ON XX/XX/XXXX THEY ADVISED ME THAT ONE OF THE QUALIFICATIONS TO EVEN BR CONSIDERED IS DEFAULT OF MORTGAGE PAYMENTS FOR 3 MONTHS ... ... CONSIDERING MY SITUATION @ THAT TIME I AGREED, ,HOWEVER I WAS TOLD THAT THIS WOULD NOT REFLECT MY CREDIT EXPECIALY SINCE I HAD NEVER ACQUIRED ANY LATE FEES ON LATE PAYMENTS SINCE I HAD BEEN WITH CALIBER HOME LOANS .I BELIEVE THEY DID THIS TO DISABLE ME, SO I COULD N'T GO TO ANOTHER MORTGAGE COMPANY THE PROCESS TOOK SO LONG THAT I PAID THE REARS IN XX/XX/XXXX IN FEAR OF LOSING MY HOME
Product: Debt collection

Over the past week, I have received 4 phone calls from Transworld Systems Incorporated ( TSI ). When answering the phone, they have asked for my wife 's name but do not identify themselves until asked, the reason that they are calling, or leave a voicemail. Upon looking up their information on XXXX, they are a debt collection agency based out of XXXX XXXX, California. In addition, we have no debts that are owed. They have used phone numbers ( XXXX ) XXXX & ( XXXX ) XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account Number- XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

To whom this my concern, My name is XXXX XXXX XXXX, or XXXX XXXX. I was told that I may have get my money back from this banks. But these are the banks that I am have problems with. XXXX XXXX XXXX XXXX, XXXX, XXXX Bank, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Bank of American, XXXX XXXX I have been moving and I have some lost of my memory or I was adviced to stop looking for my account. I have more banks but can you help me look for them. They close the account without me knowledging it. Or third party of it. Or just get my credit and go into the account me knowing.
Product: Debt collection

I have been going back and forth with LVNV funding about this account that they alleged belong to me I requested validation of debt, a contract bearing my signature I sent a follow up letter on XX/XX/21 and received no response its been well pass the 30 day time frame and Im requesting removal of account XXXX XXXX has already agreed to delete account why is LVNV harassing me? Please help Ive attach certified receipt and letter
Product: Money transfer, virtual currency, or money service

Attempted to deposit XXXX $ into the Binance.us exchange on XX/XX/XXXX, deposit failed from the Binance.us side, however XXXX was taken out of my bank account and now that XXXX is missing since.