23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I regret to inform you that I can not accept your decision to dismiss my identity theft claim by attributing it to an error or a misrepresentation of material fact. It raises serious concerns as to how and why you possess the authority to determine what constitutes a material fact. It's worth noting that your role does not grant you the powers of a judge or jury, nor any inherent right to make such determinations. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 

According to the guidelines set forth by the Federal Trade Commission ( FTC ), when an FTC identity theft report has been filed with a law enforcement agency ( which the FTC itself is ), the protocol is to adhere to the law and investigate accordingly. 

XXXX XXXX XXXX FRAUD, PLEASE DELETE!!!!XXXX XXXX XXXX XXXX XXXX FRAUD, PLEASE DELETE!!!!!! XXXX XXXX XXXX FRAUD, PPLEASE DELETE!!!!! 

I am willing to grant you one final opportunity to process my request concerning my identity theft. Failure to do so will compel me to seek legal recourse through the judicial system. In such a scenario, you will be held accountable for the damage caused to my reputation, credit, and the emotional distress I have endured throughout this ordeal. It is highly likely that what constitutes a material fact will become abundantly clear during legal proceedings, and you may be required to compensate me for your negligence. 

I implore you to take immediate action to resolve this matter within the five-day timeframe mandated by law. 

Please manage your responsibilities accordingly.
Product: Checking or savings account

Around 7 years ago, there was an identity theft attempt on my Bank of America checking account. BoA notified me that they caught the issue and stopped it. Oddly, they also shut down my checking and savings account. When I attempted to get answers as to why, they said they couldn't tell me. Another attempt to get answers from the resulted in them telling me to call another internal number for another department. That department told me the same thing. Weeks later I attempted to go to two other banks and a credit union which all said the same thing. Today XX/XX/22, I attempted to open an account figuring enough time has to have passed, and I've been able to get XXXX credit cards. Same result. Those cards are all in good standing, I have direct deposit via an online bank ( XXXX checking ), and have been in good standing there for at least 5 years. I'm thoroughly confused how them catching an identity theft attempt resulted in me loosing the ability to get a checking or savings account. Due to the amount of time and being locked out of the account the next day I don't have documentation. Thats also due to no one being willing to answer the why or point me in the right direction to get that answer so that I may be able to resolve whatever confusion exists.
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 Electric 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 reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

I have tried multiple times to update my account information with Affirm. I call customer service and go through the process of verification, send my photo ID, Picture of myself, give them the last 4 digits of my social, my email, my new phone number, and yet they still wont let me change my account information, therefore leaving me locked out with 3 months of late payments, now im being sent to collections due to this comanys neglect of helping me with my issue. After the verification process they tell me to wait 3-5 business days for an email confirming i can update my phone number, only to get an email stating the verification failed and Im then locked out. This has happened 4 or 5 times now over the past 3-4 months. Most useless customer service I have ever experienced, just the same scripted lines over and over.
Product: Vehicle loan or lease

I want to ensure I was not overcharged with my Wells Fargo auto, mortgage or checking/savings accounts between XXXX. I recently found out that Wells Fargo was liable for incorrect interest rates and overdraft fees during this time and was paying customers back for any overages. I'd like to know if I was impacted by these errors.
Product: Credit reporting or other personal consumer reports

My credit was ran without authorization. I went through the no credit chick pre-approval process and wasnt offered any credit product so I did not proceed to apply for a credit card that I knew I would get denied.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an account listed on my TransUnion credit report. The details of the account are as follows : Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$100.00} Status : Dispute resolved reported by grantor This account was opened when I was under the age of XXXX and, as such, I am not legally liable for this account. I did not authorize this account, nor did I have any involvement with XXXX XXXX at the time this account was allegedly opened. 

I request that the CFPB investigate this matter and ensure that this account is removed from my credit report. I have already attempted to resolve this directly with XXXX XXXX and TransUnion without success. 

Enclosed are copies of my identification documents proving my age at the time the account was opened, as well as a copy of my credit report highlighting the disputed account. 

Thank you for your assistance in resolving this issue promptly.
Product: Student loan

I've applied 3 times to get my loans forgive or cancel. I've been denied all XXXX time this year. Navient stated that I didn't quality. Here are the dates : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have been trying since XXXX. I like my loans to be cancel. 

Navient Current Amount XXXX- {$59000.00} XXXX - {$25000.00} Loans end XXXX. 

I've been paying on these loans since XX/XX/XXXX. 

Please help!
Product: Credit reporting, credit repair services, 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 bankruptcy # XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 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 Must be deleted immediately
Product: Credit reporting or other personal consumer reports

I have disputed this debt on my credit report 2 times before, first time credits t collection company said they would remove the debts then sold them to another agency, to which I disputed this debt with the help of the attorney generals office, the company failed to respond to my last letter in which untold them I contacted the agent to which they said I owed the debt to and the agency told me I did not owe that debt to which they are saying I owe, I then explained in the last response letter that I believed it was a mistake seeing how I became XXXX during that time and I had both medical insurance through my place of employment and also I had XXXX  so I do not owe that debt, they did not respond to my last objection letter then XXXX  weeks later the debts were removed from my report, I just checked my credit again yesterday and after 4 months they re entered the same debts again through a different agency, i want these debts removed and I'm getting tired of all these illegal coll action practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue is a credit reporting from the student loan company nelnet. They were not distributing my payments properly within their system to avoid me having a late payment on a group. I would pay more than the allotted amounts each month to them on their website and on automatic withdraw from my bank account over the past 4+years. This in turn caused my credit score to drop by 100 points with XXXX, XXXX, and XXXX. This is unfair and unethical to do to a client who is continually paying back on a loan. I work a lot and am very busy trying to make this money to always pay them back so I had no idea I was even reported or late until I had ran my credit report one day. All of my payments are current and up to date. Nelnet should have been properly handling my payments to avoid this.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few months back I called all three credit bureaus regarding inaccurate inconsistencies on my credit report. I sent letters via **Certified Mail** including my ID SSN and a utility bill proving my address and identity. Yet, still the multiple inaccurate inconsistencies still remain on my credit report. I've yet to receive any information about an investigation on my report which brings me here. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several dispute about XXXX XXXX XXXX with XXXX, XXXX, and Experian on reporting inaccurate information on my consumer report. The consumer reporting agencies stated that they properly investigated my account with XXXX XXXX XXXX on these two accounts. The first one Acct # XXXX is schedule to continue on record XXXX has XX/XX/2025, Experian has XX/XX/2025, and XXXX has XX/XX/2025. Which is correct? Can't be all three is accurate. 

Second acct # XXXX account is scheduled to record until XXXX has XXXX, Experian has XXXX and XXXX has XX/XX/2025 XXXX Which is correct? All three can't be accurate?
Product: Student loan

I was client of the Navient student loan. I saw there will be a settlement soon I had paperwork on payments and hardship I was going thru at the time I didnt consent to anything I was contacted by mail my info was provided and I had to start making increasing payments.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of opened account at XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Inquires XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the accounts listed below are reporting 100 % accurate. However, these accounts are still inaccurate, and Equifax is still continuing to report errors on my credit file which is causing damage to my credit score. XXXX Bank account # XXXX inaccurate payment history, past due amount on Charge Off {$1200.00} XXXX account # XXXX inaccurate payment history, amount past due on charge off account {$3900.00} I have previously requested that you investigate this information and you have failed to correct these errors, you are reporting on my credit report NOW is not the time to update I demand that you immediately DELETE this information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are allowing Opportunity financial to continue to report incorrect information on my credit report. The credit bureaus are not doing a hands on manual human being method of verification. They are  using companies like XXXX XXXX, etc.,. They are using a machine to decide & verify & validate this account. That doesnt take into account what the consumer is disputing. This machine is ruining peoples credit. This is so unfair. I have continuously tried to explain to opportunity financial & the credit bureaus why this balance is incorrect. Neither company will budge or verify. Please follow suit with XXXX XXXX and delete this from my account. By law I have the right to dispute inaccurate info and have it removed. You can see the amount was originally paid down & wage deductions. Thanks for your assistance
Product: Credit reporting or other personal consumer reports

These accounts are incorrect, since I do not recognize them, please investigate them and delete them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

IVE ASK THEY COMPANY TO VALIDATE THERE DEBT THEY HAVE FAIL TO DO SO. AN STILL REPORTING THIS BAD DEBIT TO CREDIT REPORTING AGENCIES
Product: Checking or savings account

I am the victim of identity theft with Suntrust Bank and BB & T. Who are now Truist bank. When trying to open up accounts in XXXX, XXXX for my business I was informed I could not do so. I assumed this was resolved as I have filed an identity theft claim with the police and also the XXXX credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account listed on my credit report that I have NO knowledge of. This was a result of malpractice or an error.
Product: Debt collection

The collection company " Credit Bureau Services Association '' is collecting on behalf of XXXX XXXX XXXX on a lease that was signed with the intention to operate a business. Landlord was fully aware of this and it is stated in the lease agreement. This should not be a personal responsibility as me and XXXX other parties signed this agreement to operate a business and a business debt can not be reported on a personal report only that of the business. Additionally, the amounts attempting to be collected are inaccurate as when the lease terminated we have reason to believe that the property went under lease with another tenant and therefore duplicate rents can not be collected for a default and under a new lease with another tenant. XXXX spoke to me and XXXX of my partners and they stated the property was under lease with a new tenant and that the amount in collection would not be owed by us. I am requesting that XXXX XXXX XXXX provide the original lease showing that we intended to occupy property as a business and also the lease history of any and all tenants after the lease with our company " XXXX XXXX '' terminated. Additionally, XXXX XXXX XXXX still holds property that was left with an agreement to return the contents that was left behind before lease terminated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called the 3 credit reporting agencies multiple times, XXXX, XXXX, Transunion to please

correct the personal information on my account. The have not corrected the inaccurate information they are reporting. I have called and spoken to several representatives and supervisor and they have not yet corrected my personal information.
I called on XXXX, XXXX, XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

Please consider this as my formal complaint to the REVVIXXXX XXXX for allowing the fraudulent account and for not taking corrections on my credit report. I have my dispute letter dated XX/XX/, with the identity theft report number XXXXThey allowed the fraudulent account to be reported in my credit file without proper notification. As I checked my credit report this is the fraudulent account still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been filing a dispute for an investigation with Equifax since XXXX. They have been stalling since XXXX by providing a letter stating that no identification has been provided it has been provided each time the following : Most recent utility bill, drivers license, social security card. Then I contacted Equifax when they sent a letter the second time in XXXX stating I didnt provided identification with my disputes so I sent a third in XXXX they sent a letter in 45 days stating again my dispute had no identification provided. I Made copies of what exactly I sent them, its unfair that they have been stalling with my dispute for now for four months. I know my rights as a consumer and they are stalling. Please look into this at your earliest convenience
Product: Money transfers

A friend made a deposit to my Bank of America account through his XXXX bank mobile app for the amount of XXXX dollars on XXXX XXXX. The money was supposed to be on my account in less than 6 business days. We contacted both banks and they could not track the money because it already had left their system. After a week of phone calls we both went to XXXX bank and Bank of America to speak to the managers. The Branch manager at XXXX said the money had already left their system and that his " theory '' is that Bank of America accidentally put the money on a different account. The relationships manager at Bank of America said that the money never reach my account and they can not track it. I got a confirmation message on the day the transfer was made to me and my friend got a confirmation email as well. We emailed XXXX managers saying that if the money did not appear on either of our accounts by XXXX XXXX, 2016, we were going to file a complaint but neither of the managers reply or try to contact us to solve the problem. We then call the managers at XXXX banks and they basically said that they do n't know where the money is and they do n't think is their responsibility to solve the problem and pay my account or refund my friend 's account.
Product: Checking or savings account

I established a PNC account in XXXX to use as a local account since my normal bank does not have a presence where I live. This account was subsequently transitioned over to a new account in XXXX when they got rid of all of the " grandfather '' accounts. This new account is different that the account I had originally signed up for and now comes with expanded fees of {$15.00} per month unless certain balances are maintained. Since this account for me was a secondary account to my account with an existing bank I was never able to maintain the balance requirements and have been charged the additional fees as a result. 

Additionally, I established a student account for a family member that tied to my existing account in early XXXX. This account is for a XXXX year old and the link allows me to easily transfer money to his account when needed. Recently, he deposited his pay check at a PNC atm and was charged a fee for using their express funds option. I understand that he was told there would be a fee to do this via a pop up at the atm, however the fact that he is new to banking coupled with his age/inexperience with life means that he is a prime target for these fees and di n't fully understand. Furthermore, he withdrew money from an atm later that week and was charged again since it was not a PNC atm. Again, there were notices provided about the fees. To me, the fact that it was a student account should have informed the PNC that they were dealing with someone that is new to banking. In total, he had more than {$13.00} in fees for these transactions, however when I checked with the bank there is no way to prevent these options from being available to a student account. The express funds option should not be available to a student account or should be able to be deactivated if requested. Many more students, who do not realize that some funds from a deposit are available after completing the transaction will also fall prey to this type of predatory banking.
Product: Checking or savings account

I opened an account with Citi bank located on XXXX XXXX XXXX, XXXX, XXXX XXXX. My employer issued me a check {$550.00} on XX/XX/2022 and I deposited the check on XX/XX/2022. They froze my account stating that it was a fraudulent check. My corporate office reached out to them to clear any discrepancies, yet Citi bank closed my account and have declined to return my {$550.00} stating that the funds were deposited elsewhere. I have personally gone to the branch and spoke to the Branch manager XXXX XXXX, who is beyond unprofessional as is her staff as well pertaining to my funds being lost. Her staff declined to give me Citi banks corporate office number so that I could try to resolve this issue. It has been 1 month and I still do not have my {$550.00}.
Product: Money transfer, virtual currency, or money service

I signed up for Gemini 39 days ago. They let me deposit money into my account but won't let me take it out. The app says my account is " pending verification ''. I have contacted support at least 5-10 times and they just send me back the same form letter response every time.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION " 15 USC 1692e. '' THE ALLEGED DEBT CAN BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANTOHER VIOLATION UNDER THE FCRA.