23daVinci/CFPB_Complaints huggingface dataset:
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. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for Equifax 's XXXX XXXX XXXX on XX/XX/2017. This was after being told I was XXXX of XXXX XXXX people " possibly compromised '' by their so called data breach announced in XX/XX/2017. 
The service was offered free with the promise of a credit report copy, a credit lock on my personal credit report, and credit monitoring from the three major credit bureaus. 
After my registration, their site stated it would " take a few days '' for credit monitoring to begin from the other agencies. It has now been FIVE MONTHS. Their web site still states the same thing and you can not talk to a live person in this country about this issue. They use call centers outside the US and hide behind " no reply '' email accounts. 
I will NOT discuss private personal data with a non USA citizen in another country. 
I also signed up for XXXX 's XXXX XXXX credit monitoring in XX/XX/2017. This was because Equifax had not come through as promised. They too promised credit monitoring and the ability to put a lock on my credit report at my discretion. Immediately after signing up, I was told a lock could NOT be activated and told to call a customer service number which is a call center outside the US. Again, I will NOT discuss my info with non citizens outside this country. They were given all my info during the registration. I am unable to lock my credit reports from two agencies and starting to see signs of fraud and identity theft. I believe these two agencies are in this SCAM together.
Product: Checking or savings account

I opened an account with capital one on XX/XX/XXXX it a 360 savings account. It started out fine everything goes smoothly into the last part verifying my identity. For some reason mobile phone capture won't work for me at first. I could understand our protection is the top priority I argued so I been trying for about 30min and I kinda get a hang of it and finally got the system to accept the picture I submitted. 
But causes of too many attempts customerservice don't except by rules. So now I have to take off a day to visit one of the branches. I'm fine with that, I work 7 days a week and we low on staff but it ok only one day and for couple hours I'm cool with that so that day I went to the beach like as usual everything goes good but always at the end something have to go wrong for some reason the back of my ID doesn't qualify for the standard something I don't know. So that days wasted for nothing couldn't get anything done and wast of time and for the hold day all most got fired. 
So couple days later I give it another shot to see how it going to work out. Couple pictures went through and some have to retake but it went fast this time and only couple try way better than last time so I thought everything goes well causes the system accept the picture process approved and accepted. I thought I could get a break but no it right in front of me saying process accepted and approved but the customerservice she said it accepted at first but it didn't accepted on her end. What that suppose to mean, that when something pop up on our screen it could say something else on there end.??? 

So my account been restricted ever since I can't do nothing with my money the money that I deposited into the account for safekeeping now it soo safe that I couldn't even touch it... lol. My 360 saving account # ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not open this account
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a collection that has been reported and sold for {$610.00}. I believe there has been a misunderstanding regarding this matter, and I would like to provide some context for your review.Additionally, under the California Consumer Privacy Act ( CCPA ), if my information was sold without my consent, I have the right to request that it be deleted. I talked to the company but they didnt have a debt validation.
Product: Credit reporting or other personal consumer reports

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$690.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items on my credit report. 

Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

Consumer Name : XXXX XXXX XXXX Date of Birth : XXXX XXXX, XXXX Consumer Social Security Number : XXXX Consumer Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX There is a fraudulent credit inquiry on my credit report submitted by XXXX XXXX XXXX on XXXX/XXXX/XXXX. 
In accordance with the Fair Credit Reporting Act, an entity may NOT procure a consumner report, or cause a consumer report to be procured, unless the consumer has authorized in writing authorization in the procurement of the report. 
It is my legal right do demand immediate removal of such credit inquiry by XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX from all credit reporting agencies. According to FCRA 616, Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] can and will be enforced. 

If XXXX XXXX XXXX feels otherwise, provide all forms of communication proving the credit inquiry authorization directly to myself, the consumer, XXXX XXXX. It you can not remove immediately.
Product: Credit card

I had a Citi XXXX XXXX card which I closed on XX/XX/year> due to issues with the account which the bank was unable to explain. For more details regarding the foregoing, please see the included chat transcript. As XXXX online payment system prevented me from making a timely payment, during the same chat session in which I closed the account, immediately following account closure, I sought to make a {$150.00} payment to the account to cover XXXX pending transactions and to completely resolve all remaining matters pertaining to the account. The first chat rep who I requested assist in making the payment verified my payment information but was unable to schedule the payment, advising me to call a phone number which I had previously called that same day and was on hold with for roughly XXXX minutes, unable to reach a human. When I asked to have the chat escalated given that I had been on the chat for roughly XXXX hour at that point, I was sent to a supervisor who advised I am not able to pay due to the XXXX transactions not having yet posted. I believe this to be an excuse in order to force me to have a balance on the card long enough for next years annual fee of {$95.00} to apply to the account later this month despite the account being closed at my request. It should be noted that this annual fee was the subject of a prior CFPB complaint years ago where I applied for the card with advertising showing no annual fee only to have an annual fee applied to the account. Upon production of screenshots of the advertising, in conjunction with the CFPB complaint, the annual fee had been waived for a number of years only to be surreptitiously added once again. Given the full content shown in the chat transcript where I was repeatedly transferred and Citi could not explain why my account was in penalty status which prevented transferring to a card product which did not have an annual fee leading me to close the account, it is certainly appears intentional. After roughly an hour and a half, XXXX from Citi advised me that annual fees can not be refunded unless the card product is downgraded to a product not containing an annual fee or account closure is requested. At the start of that very chat, I requested just such a downgrade and, as it was denied, I then asked repeatedly to close the account. The annual fee was slated to apply later this month. It has not yet posted but it appears Citi simply wishes to wear me down with hours-long chat sessions in order to be able to assess an unearned annual fee. In particular, at the end of the chat, the supervisor, XXXX provided conflicting information about the annual fee and was unable to explain when I pointed out the discrepancy in his statements. I was told the fee would be refunded which implicitly suggests it will be charged. Later, I was told the fee won't be charged at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked XXXX  to remove.this old 12yr .account They say they did .but the red late marks still exist. 
The problem.is that the student loan put me.in forbarence and mamy times. Once.a.whole.year So at that time I was told I didnt have to pay But the loan company continued to hold me to the payments and add all these unnecessary fees When I first got the loan I was a child XXXX years old poor, living in the projects with my mom The school persuaded me to get this loan. When I didnt even know what a loan was. It was for {$7000.00}. Now over 30yrs later its about {$14000.00}. I want all thoes fees dropped and all the money I ever paid to be applied to my original {$7000.00}. The Loan company which is no longer in existance still has derogatory late fee marks on my credit. If the governor dont go back to the original amount from 1977, I am going to stop paying all together and then they will get none of the money back I dont care if it goes to XXXX. I OWN NOTHING for them to take anyway. I am getting ready to retire and enough is enough. I have rights too And by.law the loan company dont have a right to put stuff on my credit report without my permission. As of now I am suppose to be in forbarenced but if I stop paying they report it on my credit report as late or not paid as they have done in the past. Yhe old companies lied and swindled me and other students. Much of what was paid by me and other students was never even applied or recorded and still marked as late which is why they went out of business I want 1The residue of any red or negative remarks remove from my credit from past years and 2. My.loan returned to the original amount and all that Ive paid applied to that amount.

3. Any of my rights the Loan company has not abided by to be honored.

Ive been working in the XXXX  XXXX  for over 10 yrs. XXXX XXXX  and XXXX XXXX. I applied for Forgiveness and no response returned. Please help thanks. If you need more info please email me at XXXX or XXXX and in the subject put. For Ms XXXX consumer help. Thanks for listening. 

Please publish without my email address .thank you.
Product: Credit reporting or other personal consumer reports

Experian is not accured with the i formation that they are providing on my credit score.

They are reporting wrong and damaging my credit score. Speak with a customer service from experian is impossible. And i really need this to be done. 
Also the data is not correct Attached will see the inquiries and the accounts closed also i am attaching the scores from XXXX AND XXXX
Product: Debt collection

All this matter is about for a " judgment '' against me, on base the paperwork a debt buyer Cavalry SPV won the judgment long time ago and now I must pay the certain amount of money to them. After a few calls I got the paperwork and called the Attorneys who represents the plaintiff ( Cavalry SPV ) the attorneys XXXX XXXX XXXX XXXX XXXX, but couldn't reach them, so I called the debt buyer and they sent me with another " Law office '' a company XXXX XXXX XXXX XXXX. I contacted them on XX/XX/XXXX, and they gave me some information about the debt, including a balance for {$8200.00} including legal fees and interest. but never provide real information about when this judgment was filed, a case number, when this judgment was recorded or date of the last time the judgment was renewed. I was not talking with and attorney I spoke with a regular debt collector with a name of a " Law office '', I told them I have the best interest to resolve this matter so I made a settlement offer for {$5000.00}, the representative named XXXX said they had to submit the offer to their client ( Cavalry SPB ) and I suppose to call other day. After several calls over the last months, nobody in this " Law office '' who in fact is a regular debt collector is able to give me information or a response from the " client '', every time I call they transfer my call to a voice mail, after another 7 calls the representatives stared to explain me that the account is " Lock '' and they can't open the account and have to transfer my call to an attorney, but any attorney take the call -I don't understand how this collecting tactics are allowed- Finally after more than 25 calls made to this debt collector someone named XXXX took my call, she was a very nice person with me but had to inform me that an attorney will review my account and they will call me back, of course nobody called back, so I called on XX/XX/XXXX and a representative informed me that they mailed me a letter due to a " dispute period '' and " validation period '' I explained him that I was expecting the settlement response but he said is anything they can do until this period is over. So I tried to get more specifics like : why is this dispute period? or is the period for new accounts or for old accounts? and asked if they have to valid this account due to is not a valid account? but he refused to give me the information. So now I don't understand that is the next step to follow in order to resolve this " judgment ''
Product: Student loan

Navient is the loan servicer. I only owed XXXX. Now I do n't know. You pay online and it is always down. They called me and said they have taken a judgement out. The monthly PMT is XXXX.and I 'm on XXXX. They wanted to send a stranger to my house. I said send a sheriff. I called county court and they have no judgement.
Product: Credit card or prepaid card

I have been contacting Discover for several months to update my address since I did not receive a statement. My address was not updated and I never received a billing statement. I noticed on my credit report that they reported my account as past due. I contacted them to pay the bill and they offered me a settlement amount which I paid. I was advised that my account would be reaged since per the FCRA, they could not report me as past due since I did not receive a statement. I received the attached letter to confirm my account was settled but when I contacted them back they advised they had no record of updating my credit history. Cleary, I had the ability to pay over $ XXXX for the debit but once they took my money, I feel like I was deceived and they will not take the responsibility to resolve an easy issue.
Product: Student loan

I previously tried to Fax my Public Loan Service Forgiveness application to required Fedloan Fax # XXXX and paid a fax service to fax but Fedloan fax number would not allow transmit after numerous attempts. I ended up having to mail my application. After awaiting weeks I received response from Fedloan that my application was " MISSING INFORMATION ''. The MISSING INFORMATION criteria they defined is truly " either missing or you submitted the form with an electronic signature '' and is then not in the right format. Fedloan needs a dictionary as having a signature is not the same as missing. To my understanding electronic and digital mediums are widely used and accepted methods of providing signature and exactly how I, and many, are able to agree to acquire student loans. It benefits the loan servicer to make any excuse to not correctly process applications as borrowers like myself continue to accrue loan interest. As if that is not enough, I was on phone over 1 hour on hold unable to reach a representative with Fedloan to discuss the validity and reasoning of Fedloan not accepting electronic signature. Additionally they make the process tremendous endeavor by not having working fax number sufficient to handle probably the volume and mounds of documentation Fedloan makes borrowers sift through and handle ... when email is the easiest most convenient easy to track solution. Additionally when trying to make complaint to US Dept of Edu about this issue they also make it difficult to even provide a simple complaint email as each of these entities from student loan provider to related agencies rather people waste time on the phone losing the desire to call the servicers and agencies out on their poor, lame, and shameful execution of customer service and do the complete opposite of what should be done to help borrowers/people navigate through the ridiculous processes, wait times, and excuses to be slow to help fulfill responsibilities of responsible loan service implementing a government sponsored program that essentially the same people who work pay through taxes, etc. essentially fund ... .ridiculous. Lastly, I reviewed an online copy of Code of Federal Regulations 34 CFR 685.219 - Public Service Loan Forgiveness Program available through govinfo.gov/ and nowhere in the document is mention of any forbiddance of " electronic signature ''. Fedloan with help of US Dept of Edu are making the process more challenging at the burden of borrowers and taxpayers as people need again to waste time having to jump through all the loops to even get the basics done such as having working fax #, using email, having somewhat decent wait time when calling for questions. Terrible experience and I hope things get fixed as this is silly and terrible that thousands of borrowers are likely facing the same challenges and issues with these agencies. There is too much financial implications to these transactions for large loan servicers to do as they please in making things difficult for borrowers especially when there are programs to help borrowers that the servicers again are implementing with little desire to make things easy.
Product: Debt collection

I filed this complaint with the FTC # XXXX on XXXX XXXX XXXX  Their response was not relevant. 


Several months ago I was reported to the credit bureaus by the following company : Creditor Information - XXXX XXXX , XXXX . 

Prior to this I was not contacted, not even once! It was regarding a disputed bill from XXXX XXXX from years ago. I had received collection agency letters previously but each company dropped the collection attempt after I wrote them back with proof that the bill is an error. 

I have two compliants : First, XXXX should not be allowed to harass me in perpetuity because they dont want to accept the truth about their bill being an error. 

Second, it should be illegal for a collection agency to report me without ever contacting me. I wrote them a message and the best they came up with was to call them. 

Please note, I far prefer email over all other forms of communication, I am XXXX   XXXX and unable to converse on the phone. I can access email easily using my eye mouse and will reply to your correspondence promptly. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

First of all, I want to say thank you for approving my COVID forbearance during the pandemic as it was a time of a lot of uncertainty and overall a very difficult time for me financially. 

I am writing to request your help as I recently learned I have several rolling 30 day lates on my mortgage which started back in XX/XX/XXXX then ended when my forbearance was approved in XX/XX/XXXX. 

I recently called and spoke to a representative named XXXX who helped me understand that I missed my XX/XX/XXXX payment then all of my future payments were posted for the previous month. This is unfortunate as I had no understanding of the missed payment issue and would have doubled up to get it addressed right away. 

I strongly feel most of the rolling 30 day lates are inaccurate because when I made my payments on your portal each month I was making them within the 30 day window yet I was still getting reported as 30 days late most months. It is my understanding that as long as I made the payments within the 30-day time period I wouldn't have been a full 31+ days past due which is what is required to report me as 30 days late.
Product: Credit card or prepaid card

Sent from XXXX XXXX on XXXX On Fri, XX/XX/XXXX at XXXX XXXX, XXXX XXXX wrote XXXX Good Morning, I sent this to my accounting department on Wednesday and this is what they advised. 



In XXXX of XXXX we ( XXXX ) refunded the charge. Prior to this, in XXXX, you already had a chargeback process going between your credit card company and XXXX. During that time frame you received the refund from us directly. 



The charge that appears on the attachment is that further review from the credit company and evidence that they must've of investigated turned their decision against the credit card holder. You would need to speak to your bank directly, as we are unable to refund again since it was already processed on our end. 



Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX P XXXX | FX XXXX Open 24 hours a day, 7 days a week. 







From : XXXX XXXX [ XXXX : XXXX ] Sent : Wednesday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX Subject : [ EXTERNAL ] Fraudulent charges I have already disputed and proven that this was not me. Can you please take it off my charge account again. Sincerely, XXXX XXXX Sent from XXXX XXXX on XXXX Caution : Sender is from outside XXXX XXXX XXXX. Take caution before opening links/attachments or replying with sensitive data. If suspicious, forward to XXXX XXXX  Account ... XXXX {$500.00} 31 % ( + ) {$25.00} {$500.00} {$25.00} + ) {$500.00} {$1100.00} XXXX points XXXX XXXX Friday XXXX XX/XX/XXXX Thursday, XX/XX/XXXX XXXX NV XXXX TRAVEL AGENCIES PURCHASED BY TRANSACTION DATE POST DATE MERCHANT LOCATION* MERCHANT CATEGORY Dispute Charge
Product: Debt collection

Ambulance was called by another party while ill. Medical care was not necessary, was not given a choice in the matter. Privately owned ambulance service able to charge outrageous amounts with no oversight from hospital, acting without cause and confirming no information about patient at scene outside of methods to charge money.