23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

NOTE THE SCREENSHOT, THE CFPB KNOWS THAT XXXX HAS FAILED. THEY AUTO FORWARDED THE MESSAGE TO THE FDIC. THAT WON'T HELP AT ALL AND FUNDAMENTALLY " MISUNDERSTANDS '' THE NATURE OF THE COMPLAINT! THAT IS BANKRUPTCY FRAUD. THE CFPB IS COMMITING CRIMES ON BEHALF OF THIS FRAUD. 

XXXX XXXX has failed. I have documented them committing fraud at XXXX XXXX XXXX XXXX XXXX. using both apps XXXX months apart they made unauthorized transactions to my checking account. when I reported the fraud, they investigated it as identity theft both times despite my specific instructions not to. They then determined that identity theft did not occur. evolve bank has failed, i documented them committing fraud at blockfi, as well as at doge card. XXXX has failed. I have documented them committing fraud at XXXX XXXX XXXX XXXX XXXX has failed. They have purchased fraud from XXXX XXXX XXXXk which failed due to fraudulent derivative products. I am out of pocket BILLIONS of dollars, CASH. XXXX XXXX! they are all committing bankruptcy fraud. XXXX XXXX XXXX  are the criminals committing the fraud, they also have corrupt XXXX XXXX judges 100 % paid off. The XXXX XXXX are fraudulent. They " bought '' bitcoin otc from greyscale bankruptcy estates that were impacted by the same derivatives fraud that caused XXXX, and that is still ongoing. Essentially, they have purchased the praetorian guards with counterfeit money. By definition, rule of law is now over. This is a very dangerous situation. There are illegitimate people in chairs that wield the power of the state. STOP CONTACTING ME! I AM NOT MAKING ANY DEBT PAYMENTS PERIOD! LIQUIDATE CHASE NOW! ARREST THESE CRIMINAL BANKERS AND GOVERNMENT EMPLOYEES WHO ARE ENSLAVING AMERICAN CITIZENS. THIS CAN NOT, AND WILL NOT STAND! YOU WILL BE HELD ACCOUNTABLE. WE WANT BLOOD!
Product: Credit reporting, credit repair services, or other personal consumer reports

I respectfully request to be provided proof of this alleged item specifically the contract note or other instrument bearing my signature. You cant report this account as OPEN nor a past due balance. Inaccurate information. Failing that the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last XXXX months or the last XXXX years for employment purposes.
Product: Prepaid card

I have a prepaid card with nestpend but i put a hold to that card because i dont want to used anymore but that card i haved for direct deposit when i do my taxes but i change the card because i dont want to used anymore for irs thats why i put a hold to the card that way when they try to deposit de money is gon na rejet and i was thinking that was the case and i been asking the irs for my money because i was thinking i never resive the money but they told me they deposit the money to my prepaidcard but i never resive the XXXX dollars
Product: Checking or savings account

I am writing to report a concerning incident that occurred on Friday to me. Unfortunately, I have fallen victim to a gift card scam. The details of the incident are as follows : On Friday XXXX XXXX, I received a work email from an individual posing as our boss, who convinced me to purchase gift cards from XXXX XXXX worth {$600.00} for a reason to surprise the team for their hard work. Regrettably, I complied with their demands and provided them with the gift card details, only to realize later that it was a fraudulent scheme. 

As a result of this deception, I have suffered a financial loss and wish to formally report this incident for investigation and appropriate action. I have already notified my financial institution and XXXX customer about this scam. 

I contacted United Bank to initiate a dispute process, however, I have recently received a rejection letter regarding the matter. As this is my first encounter with a scam, I respectfully request your assistance in advocating for the bank to reimburse me. I am prepared to provide the necessary evidence, including the gift cards and purchase receipt, to support my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy. 

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against EXPERIAN regarding inaccuracies in my personal information as reported in my credit report. 
Details of the Dispute : 1. Name : My current legal name is XXXX XXXX but it is listed incorrectly on my credit report as 1 ) XXXX XXXX XXXX. I request that my name be updated to reflect the correctinformation. 

2. Address : My current residential address is XXXX XXXX XXXX. XXXX XXXX. XXXX, FL XXXX but my credit report shows an outdated address as 1 ) XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XX/XX/XXXX, 2 ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Florida XXXX XX/XX/XXXX, 3 ) XXXX XXXXXXXX XXXX XXXXXXXX, Florida XXXX XX/XX/XXXX. I request that my current address be updated accordingly. 

3. Employer : My current employer is XXXX XXXX XXXX, but it is listed incorrectly on my credit report as 1 ) XXXX, 2 ) XXXX XXXX XXXX. I request that employer be updated to reflect the correct information. 

4. Date of Birthday : My DOB is XX/XX/XXXX, but it is listed incorrectly on my credit report as XXXX. I request that employer be updated to reflect the correct information. 


I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : Acopy of my driver 's license or passport displaying my correct name. 
Arecent utility bill or bank statement showing my current address and current Employer. 

Additionally, please provide me with a written confirmation once the updates have been made, and send me an updated copy of my credit report reflecting the changes.
Product: Checking or savings account

On Wednesday, XX/XX/2020, around XXXX XXXX, I went to the Capital One Branch at XXXX XXXX XXXX in XXXX XXXX, NY XXXX. 



I spoke to the Teller, XXXX XXXX, that I would like a Certified Bank Check for closing on a home. I asked for a manager. There is none. 

She mentioned that there was a fee. I asked to waive it. She said no. She had me fill out two deposit slips and my ID. XXXX XXXX was helping her out with the transaction. They were very unpleasant and told me that fees are never waived. I said I disagree, as I had done Escrow checks them with in the past that were, but that I would call Capital One later. This transaction typically takes 2 minutes. It took at least 10 minutes. She did not seem to know what she was doing. 

I received my check, my receipts, and walked out. 

I called to complain to Capital One, and they said that the transactions were not registered. 

There was no Certified Bank Check, and there was no Fee transaction. 

I checked the app, and that was true. 

It shows a cash withdrawal for the closing, and a withdrawal of {$10.00}. There is no mention that the money was for a home closing, or a fee for the check. 



I returned XXXX on XX/XX/2020. I asked to speak to a manager. There is no manager. Is there someone higher up? No. And they are unable to tell me if any other branch has a physical manager to speak to. I complained that this was an improper transaction. I asked for a certified bank check, not a cash withdrawal. While it may be a shortcut for the bank, it will cause problems for me if I can not show that the money  for the closing came from my bank account. They said there is nothing they can do, that this is standard practice, and that if anything I can return the check, and get cash instead. I am extremely upset. This is an improper business transaction process.
Product: Credit card

I failed to make a payment to my Kay Jewelers account on XX/XX/. I received TWO text messages on XX/XX/XXXX saying I needed to call about an URGENT matter. I called once and spoke with someone and then a few hours later I received another text saying it was urgent to call Kay Jewelers. Today I called Commenity Bank/Kay to make my payment and bring my account current. I was told that in order to bring my account current I was required to make both the payment due XX/XX/XXXX as well as the payment that is not due until XX/XX/XXXX.
Product: Debt collection

I reached out to Navy Federal Credit union back on XX/XX/2022 explaining how someone got access to my ssn and date of birth due to losing my wallet with all my personal information such as my drivers license and social security card. I have sent in a police report along with a FTC report to show proof of myself being a victim of identity theft.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly inlight of recent CFPB lawIsuit highlighting significant issues with the platform.Despite having my account numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's finding indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raise serious concerns about consumer safety.
Product: Credit card

I have XXXX old accounts with comenity bank the first account is for XXXX XXXX  which the company went out of business nationwide. And the other account is with Victoria Secret. I send out a certified letter to comenity bank to verify debt this comenity back sign the letter but didnt respond back with XXXX  days and didnt filled out the the documents that I send to the company back me to verify proof of theses balances and also this debt is old both of theses accounts was closed XXXX XXXX XXXX  its now XXXX personally by me by law In Pennsylvania, there is a XXXX ( XXXX ) year statute of limitations credit cards etc. ) The XXXX years usually runs from the last payment made on the account. I will attach letter that was send out.
Product: Checking or savings account

Sofi is closing my account. I have called the IRS and theyre saying the check has been cashed but I have yet to receive my funds. Sofi is STEALING my money
Product: Student loan

Since XXXX 2016 as I applied for an income driven repayment plan, I have received conflicting information from numerous reps and multiple managers regarding whether I should I expect an interest subsidy to apply to my account with Great Lakes after my monthly payment amount changed in year two of the income driven repayment plan. After the subsidy did not post in XXXX, I was told that I should still expect the subsidy but that it was delayed because my payment plan did begin until the following month on XXXX XXXX. I called repeatedly in XXXX to confirm and was told I should expect the subsidy by XXXX XXXX, but I did not receive a subsidy by the end of the month. I called on the first business day of XXXX and by the following day and multiple calls, I was told that by XXXX XXXX I should expect an interest subsidy and that there was a delay from the government in posting interest subsidies. After the subsidy did not post by XXXX XXXX, I was told on XXXX XXXX that I would not qualify for an interest subsidy because my new payment amount is higher than the subsidy. This was a simple piece of information that multiple representatives and managers missed from XXXX through XXXX. This misinformation negatively affected my ability to plan financially and has caused me to make payments on unsubsidized loans with lower interest rates because I expected the subsidy on the subsidized loans. As a financial service company, multiple guesses and examples of misinformation over an extended period of time are unacceptable. I am also concerned by the final manager I spoke with advising me to apply for removal from the income driven repayment plan with the idea of letting my loans be forgiven after 20 years. Not only was I misinformed, but I was encouraged to keep up with my minimum payments, which would cause me to pay significantly more over the life of the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid that XXXX XXXX debit off in payments at least 2 years ago yet it still shows that I haven't. XXXX had the same info on their site and they corrected it after they did there investigation. I've tried dispute that account countless # of times and it still shows active. I paid it off. In installments
Product: Debt collection

Why are you lying I have email proof that I filed the motion to compel way before XXXX the courts was behind second when the judge asked you crooked attorney XXXX  they served the motion to compel she lied when she had been served secondly I have screamed over and over that yes I am married to him but we are not together and havent been together your recoded line will proved tht again my daughter was XXXX XXXX XXXX and called me to the door and I told that server he didnt live there you guys are lying and yes I offered money on a debt that has nothing to do with me and my attorney offered you the XXXX and you XXXX never responded you will never get you money this man has a XXXX judgement for child support so get in line cause Ill file XXXX before I ever pay your company after all the stress you caused and to I did some research about that plan ticket and the airline advises the ticket was booked not in his name and no one showed up for flight so XXXX starting to believe him that this is a fraudulent account call the airlines and they will tell you. Now why would you be sneaking and try and force a judgement cause you know if it went to trial I would have won you have no proof I will be again filing a motion to vacate and I will be counter suing per XXXX XXXX you violated my ability to respond.
Product: Money transfer, virtual currency, or money service

I am unable to log into my Venmo account via the browser on both mobile and desktop. Whenever I try to log in I get an OAuth2 error. I am also unable to link my Venmo account to budgeting services like XXXX XXXX, which is interfering with my ability to understand my full financial situation on a day to day basis. 

I tried contacting Venmo support via their online email from so they could help with this issue on XXXX. I got an automated response from them telling me that they would get back to me within 24hrs. However, its been several days and they still have not contacted me and Im still unable to access my account.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal notice and demand for immediate action regarding multiple inaccuracies on my credit report, which you have negligently allowed to tarnish my financial reputation. Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ) and 623 ( 15 U.S.C. 1681s-2 ), I am exercising my right to challenge and demand the correction of these inaccuracies posthaste. I XXXX XXXX XXXX have listed below the item being disputed : XXXX which is a XXXX Loan which has never been past due but yet has been reported past due and impacted my credit score.
Product: Bank account or service

A debit card dispute was made on or around XXXX with Suntrust for a transaction in the amount of XXXX XXXX XXXX. As explained to XXXX, the online chat rep who took the dispute information, XXXX items were ordered and only XXXX arrived. The item that arrived is incorrect and was returned, tracking information was provided and again here, XXXX. The package was delivered on XXXX and Suntrust should know this as number was provided to track. The phone rep I spoke with today said case is still pending, however, I received a form today requesting information already provided to XXXX via live chat and was just detailed above. The rep was also advised XXXX did credit XXXX item, still waiting on credit for second item returned, no mention of needing any additional information. I do not know why I was sent form requesting same info which was already provided. I was charged XXXX overdraft fees relating to this charge, I was told both would be credited back upon outcome of case, however, they seem to request same information which was provided to XXXX and here.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXXXXXX XXXX XXXX customer service representative.
Product: Credit reporting or other personal consumer reports

Chase is reporting my credit card 30 days late on XX/XX/year>. That information is incorrect and I have never been 30 day 's late on this account. 
For proof I have attached two documents, the first is my credit card statement from Chase on XX/XX/year> which shows a payment made on XX/XX/year> in a total of {$76.00}. The second document I attached is a copy of my credit report from XXXX showing a 30 day late payment on XX/XX/year>, I have personally marked both documents with a pen so it is easier to find the information relevant to this complaint. Those two documents obviously contradict each other and proves that my payment was not 30 day 's late in XXXXXXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My research on FCRA 605 indicates that Credit Bureaus are required by law to remove and prohibit any goods that are discovered to have been opened as a result of identity theft. Once more, it looks that my credit with you has been damaged. The reported items are giving me a great deal of mental & financial stress, which is affecting my ability to sleep, causing issues at work, and adding unneeded stress to my home life. Credit Bureaus must remove the following items, which are stated below : XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XXXX  Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XXXX  Reference # : XXXX ; XXXX XXXX XXXXankruptcy Date Filed/Reported XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block , Inc. ) Due to inadequate And unfair Practices, Which violates the Consumer, financial protection act ( CFPA ). Specifically, Cash app failed 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 reporting, credit repair services, or other personal consumer reports

This is my 5th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Date Filed/Reported : XX/XX/2014 Reference # : XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/2014 Reference # : XXXX
Product: Student loan

Due to the pandemic, all payments and interest rates were suspended. The payments resumed in XX/XX/2023. However, All of my payments went to interest even if I paid on time this XX/XX/2023. Nothing to principal Mohela says that the daily interest rate caused my payment to all go to interest rate. The customer service said that the payments resumed in XXXX and that since XXXX a daily interest rate has been applied. See attached screenshot of my payment. How are we going to move forward when all of our payments even if it is on time just goes to interest?
Product: Debt collection

My claim is in regards to a medical collection listed by a company named CB Carbon Collection center of Wyoming ( debt buyer ) attempting to collect on an account which is disputed by myself under general principles as outlined in the FCRA. 
I have disputed this account with XXXX, XXXX and XXXX, and the company stamps the dispute as having been deemed accurate with no investigation, no documents, nothing but the false statement that they have met the guidelines for accuracy in disputing as presented in the FCRA. 

CB/Carbon Collection Center of Wyoming has violated my rights in this regard, and I wish for this agency to intervene and assist me in forcing the matter of transparency from this debt buyer, which has bought a debt that is not mine and insists on keeping it on my report. 

Also, according to the new laws on reporting medical information, this account, whoever 's it is, should not be listed at all. As it violates HIPAA. I simply do not understand how a person 's information can be grafted onto another 's credit report with impunity and would very much appreciate this agency 's assistance in investigating this consumer complaint on my behalf.

I authorize this agency to review all my credit bureaus, to verify the claims outlined, where multiple disputes have been presented, including date and time, and when they have been returned as accurate without any investigation, and especially none in the 30 day time line outlined in the dispute guidelines of the Fair Credit Reporting Act. 

I need assistance from this agency in this regard and thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Experian a dispute earlier in the month because I noticed inaccurate information of my consumer report. Experian responded back claiming the following accounts were verified. I am requesting the method of verification as well as the legal required documents. Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device shall be EXCLUDED from the consumer report. Experian sent me a correspondence saying these accounts were verified which is admission of a violation of my federally protected rights. I also understand that pursuant to 15 USC 1681i ( A ) ( 1A ) an account must be removed from my consumer report until you are able to legally verify the account. I have attached with this complaint a letter explaining why the accounts are inaccurate, my passport card and utility bill for verification of identification.