23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

We canceled with XXXX in XX/XX/year>. I did an online chat twice to make sure we didn't owe anything and were fine to cancel. They continued to bill us for months after. When I called them they'd always say they would open a case and call us back. They never called back after us calling them at least 4-5 times. Then they sent us to collections. AMSHER is equally as horrible to deal with. Not responsive and threatened if we didn't pay almost {$600.00}, it would affect our credit. We have been dealing with this for MONTHS and finally paid it but it's not right. We don't and didn't owe XXXX anything. XXXX and AMSHER are horrible companies!!!
Product: Credit reporting or other personal consumer reports

I appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The XXXX  credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be corrected right away. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

This relates to my original CFPB complaint number XXXX about my Mastercard with Fifth Third Bank. This was about a fraudulent charge to my card in XXXX, 2021 to The XXXX XXXX XXXX. 

The company replied to me about the complaint saying this charge was legit as it was made by another authorized user of my card. This is a lie, and is impossible since I'm single, live alone, and am the ONLY user of this credit card. 

XXXX XXXX, an employee of the Office of the President of Fifth Third Bank is the contact person the company assigned to my original CFPB complaint. We talked briefly a few weeks ago when he first got my complaint. Since receiving their decision letter, I have tried numerous times to reach out to him to discuss and have him explain just who this alleged " other authorized user '' supposedly is. All I get is voicemail when I call. I have left messages and no reply yet from him. 

Since there are NO other authorized users on my card, the whole reply to the original complaint is fraudulent. I want the original complaint re-opened and an explanation about who this " other user '' is supposed to be.
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 costumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measure 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

Im a victim of identity theft and have had a fraudulent personal loan opened in my name with a company by the name of XXXX XXXX Loans. I have a fraud alert on my credit file, and have sent them my police report, affidavit from the FTC, and sent them information regarding this being a fraudulent account. I didnt consent, authorize, apply, nor request for this fraudulent credit card account to be opened in my name. The address on file does not belong to me, the account was not authorized to be open by me, and Ive been a victim of identity theft over a year. There is also a address on my credit file reporting that is a fraudulent address as well in which, I never resided at the address listed. I have that address listed on my FTC/IDENTITY THEFT REPORT as a fraudulent address as well. Per the FTC if an account is reporting inaccurately or if a consumer is a victim of identity theft the account is suppose to be removed off of a consumers credit file. Due to the fact the perpetrator who opened up the fraudulent account in the consumers name used the consumers personal information to have the fraudulent account opened. Identity theft has been on the rise for a very long time now, and several consumers are being affected by individuals stealing their personal information using it to open up accounts in consumers name. Im a victim of having someone steal my personal information and use it for their personal gain which has lead to this issue, Im having with this creditor. Im not going to be liable nor responsible for a fraudulent personal loan being opened in my name as if, Im the one that applied for this fraudulent account. Ive also submitted a FTC/IDENTITY THEFT REPORT as well with the government deeming this account as a fraudulent account, and this account need to be deleted/removed off of my credit files asap. This is not my account, and I shouldnt have to deal with an issue as such. I need assistance with having the account removed off of my credit files, and out of my name immediately.
Product: Checking or savings account

I would like to authorize the linking of my bank account to XXXX
Product: Credit reporting or other personal consumer reports

I am unable to access my full credit report or scores, only the XXXX report is available. Despite providing accurate personal information I don't have all the information i should have to gain access to my report and scores. According to the Fair Credit Reporting Act ( FCRA ) is a federal law that guarantees that the consumer has the right to access their credit reports and scores. Furthermore The Annual Credit Report website has not provided said information, due to a payment being required, whereas its advertised as being free once a year. I am requesting assistance in resolving this issue and being able to gain access to my full credit report and scores..
Product: Student loan

Received this on XX/XX/2024 despite being on the XXXX forbearance and being told that interest wouldn't accrue on my loans until the court have finalized its decision. " In an effort to keep you updated on your federal loan ( s ), we have enclosed details about your loan ( s ), including the accrued interest, interest rate, and total balance. The loan ( s ) listed in this letter are currently in forbearance.

Although no payments are due at this time, interest continues to accrue on your loan ( s ) during the forbearance period. You have the option to pay the interest during forbearance ''
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/21 account XXXX was disputed with company XXXX/XXXX  XXXX XXXX XXXX and this account still appears on my consumer report/file, which is damaging my reputation.
Product: Credit reporting 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 XXXX, Account Number XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX, Account Number XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX, Account NumberXXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX, Account details Account Number XXXX XXXX, Account Number XXXX XXXX XXXX XXXX Account Number 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 an 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.

These inaccuracies are stopping me from getting a house for my family.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed the following credit card companies and loan companies on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX whom I've never established any kind of business with. I have also included multiple inquires in my credit report that needs removed, as I have never gave these companies permission to run my credit report. I have included the accounts and all inquiries to my Identity Theft Report.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

PayPal permanently banned me from using their services on XX/XX/. This action was taken because they believed I had consistently filed cases that did not align with the intent of the PayPal Purchase Protection Program and were contrary to the terms outlined in their User Agreement. They have decided that I am no longer allowed to use PayPal 's services. Despite granting me refunds and chargebacks because the seller did not respond, they failed to inform me that my account was under review. They also alleged that I initiated a chargeback on a closed case, even though it had been denied by them. They directed me to contact my bank, and now all my accounts, including those of my family members, have been banned, adversely affecting my online e-commerce business. PayPal provided me with inaccurate information via email, instructed me on necessary actions, and subsequently suspended my account, despite the seller 's failure to fulfill their delivery obligation. Furthermore, when I reported the transaction, they issued a refund, disregarding my evidence and labeling me a " risk, '' despite my long-standing use of PayPal. Additionally, they banned my family members ' accounts, even though they were not involved in any wrongdoing. For months, I've been expressing concerns about the pizza company 's actions towards me. My orders either never arrived or were incorrect. Unfortunately, my attempts to voice these issues have resulted in repercussions for me, while the seller faced no consequences. When I reported the transaction, XXXX XXXX failed to respond, prompting PayPal to refund my money. Now, I find myself accused of misusing this system, which I have not done.
Product: Credit card or prepaid card

On XXXX/XXXX/XXXX, I charged my HSBC credit card {$20000.00} to pay XXXX XXXX XXXX XXXX XXXX XXXX for tuition on behalf of my son. On XXXX/XXXX/XXXX, I paid back the entire {$20000.00} to HSBC to avoid interest charges. On XXXX/XXXX/XXXX, XXXX refunded {$19000.00} ( tuition refund ) to me through my HSBC credit card. On XXXX/XXXX/XXXX, knowing that my credit card account had money, I used the mobile app to transfer {$19000.00} between accounts, from my credit card account to my savings bank account. On XXXX/XXXX/XXXX, I found out my credit card was charged {$590.00} ( see attached statement ). I called HSBC and the agent told me its for a cash advance fee on {$19000.00}, the tuition refund that I received. So, I paid a cash advance fee on my own money. I was told that any time I transfer from a credit card account on my own, I would be charged a cash advance fee regardless of whether I have money in the account or not ( i.e. refund/overpayment ). I told him I was unaware of this, and it is unfair and makes no sense that I have to pay a cash advance fee on my own money, HSBC didnt pay me any cash at all. The agent was very nice ; he helped me to submit a request to waive the cash advance fee as a one-time courtesy. The request needed manager approval, but he was unable to get the approval because the manager was unavailable. He said I should receive a call around Monday, XXXX for the outcome. By XXXX, I had not received a call, so I contacted HSBC again. This time, the agent retrieved my request, and tried to get manager approval for me, but then she informed that there was a manager meeting in progress and I should receive feedback within 2 days. After two days on XXXX, I called again, another agent tried to get the managers approval for me, but yet again, the manager was unavailable. The agent told me I would receive a call once its done. I am frustrated ; it seems like the XXXX is avoiding me. I made all calls during the regular business hours and as of today, I have not received a single call from HSBC. It is also worth noting that the HSBCs mobile app and website allow people to transfer easily from credit card account to savings/checking bank account, but there is no warning that a cash advance fee will be charged even if you have money in your account ( see attached Transfer between Account ). Other banks ' websites dont have the option to transfer money from credit card account to bank account. For instance, Chases website doesnt allow any transfers from a credit card account to savings or checking account ; you can only transfer from savings/checking account to credit card account. I have tried to resolve this issue with HSBC, but was not successful. I hope Consumer Financial Protection Bureau can help me. Thank you!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 


XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account has violated my rights. 
XXXX5 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 an account without my written instructions Inquires : 1 XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Someone stole my identity and opened a XXXX account in the XXXX XXXX XX/XX/XXXX for about {$3800.00}. I 've lived in XXXX since XX/XX/XXXX. I 've had XXXX since XX/XX/XXXX. The same phone number for 10 years. Also I 've never lived in XXXX. In XX/XX/XXXX I filed a police report where I live in XXXX stating this account and possibly others is identity theft. A few years back the state of XXXX tax dept was hacked exposing XXXX residents personal info such as social security numbers. I ca n't verify that is the reason of my identify fraud but I assume that 's the only logical explanation. I have the XXXX police report, my XXXX id and the utility bill for my place in XXXX to dispute these charges.
Product: Credit reporting

This tax lien on my credit report was filed in error and the amount on the lien is also incorrect. Please ask Transunion to delete this lien from my credit reports ASAP.
Product: Student loan

Fedloan has been my student loan servicer since XXXX. I started the PSLF program in XXXX. Each year I submit not only my tax information, but my employer verification as well. I have made numerous phone calls in regards to the number of qualifying payments among other issues. I requested to have the paid ahead status removed from my account because they were not counting all of my qualifying payments. I also asked to have my account audited twice and its been over 3 months and when I called on Friday XX/XX/XXXX, I was told that the paid ahead status was removed then put back off or taken off but not all the way. I pay more than my required payment, all of my payments are on time. Every time I call, everything that was supposed to be corrected was not. The customer service manager was very unhelpful and told me there was nothing he could do. My employment verification was denied several times and I have resubmitted at least 3 or 4 times. My employer has been the same for over 3 years. Yet 5 loans show 13 qualifying payments and 5 show 19 qualifying payments. They all should have the same number of payments. When this was brought to their attention, I was told my account would be audited, and it has not. I was told that with every change made to my account I should receive a letter, and this has never happened. My account is being mishandled/mismanaged. I do not feel confident that when I have made the required number of qualifying payments, they will be counted toward my account in order for them to be forgiven.
Product: Credit reporting or other personal consumer reports

On my credit report, there is an account for XXXX XXXX that is listed as closed and negatively reporting, the account was paid in full and the company even emailed me and agreed to request removal from my credit report because TransUnion was not updating it themselves despite countless letters, calls and disputes done by me. The account is reporting incorrectly and should be removed.
Product: Checking or savings account

I purchased gas at the gas station. Shortly thereafter, I received a charge XXXX miles away at the XXXX XXXX. I reported that my card had been stolen to Capital One. I even provided proof of me at the gym in XXXX at the same time of the transaction which occurred XXXX miles away in XXXX. This occured on Tuesday, XX/XX/2023. The transaction total was {$1000.00}. 

I immediately called Capital One and canceled my card. I also filed a police report in order for them to investigate. I provided Capital One with evidence that I was at the gym at the time of the incident. I have called in to Capital one at least 5 times. They refuse to reimburse me. 

The mastercard  zero fraud policy states that... 

" Have peace of mind knowing that the financial institution that issued your Mastercard won't hold you responsible for unauthorized transactions. As a Mastercard cardholder, Zero Liability applies to your purchases made in the store, over the telephone, online, or via a mobile device and ATM transactions. As a cardholder, you will not be held responsible for unauthorized transactions if : You have used reasonable care in protecting your card from loss or theft ; and You promptly reported loss or theft to your financial institution. '' I qualify for the mastercard  zero fraud liability policy. Capital One refuses to refund me my {$1000.00}.
Product: Vehicle loan or lease

I have an absolute right to rescind a signature from any contract or agreement that was not fully disclosed to me. Such a contract or agreement is null and void, as if it never existed at all, and all to return to the lawful owner plus reasonable money and interest. I am not obligated by any contract or agreement obtained under conditions of fraud, deceit, or non-disclosure. No consideration, False advertising such as advertising " loans '' based on the customer 's own credit. I agree to pay any financial obligation which I might lawfully owe, on the condition that you provide : Opportunity to cure dishonor. This will be CHRYSLER CAPITAL only chance to settle this matter before XXXX XXXX files suit against this company in XXXX XXXX. XXXX XXXX is agreeable to a lump sum payment of {$30000.00} to settle this matter. Please contact me on or before XX/XX/2022 for purposes of settling this matter. If I do not hear from your company on or before the due date, XXXX XXXX will file a lawsuit against XXXX XXXX XXXX XXXX XXXXXXXX XXXX and CHRYSLER CAPITAL without further notice. It is in your company 's best interest to settle this matter before a lawsuit is filed to avoid legal, court fees plus violations costs ( attorneys fees for XXXX XXXX, CHRYSLER CAPITAL. Based on the foregoing, I accept payment in the amount of {$30000.00} made payable to XXXX XXXX, at my address XXXX XXXXXXXX XXXX XXXXXXXX FL XXXX and send SATISFACTION AND RELEASE OF LIEN and report amount paid in full to my consumer credit report no longer than due date XX/XX/2022. I can also be reached at the email above If CHRYSLER CAPITAL decides to ignore this demand for payment, XXXX XXXX will further pursue all of its legal remedies without further notice to debtor. This letter serves as evidence that XXXX XXXX ' creditor has attempted to resolve this matter formally. 



1. Validation of the debt- that is, the actual accounting per GAAP XXXX 

2. Verification of your claim against me. A signed invoice or sworn affidavit. 

3. A copy of the contract binding both parties CHRYSLER CAPITAL and XXXX XXXX. 



1. I need full Disclosure. I was not told that I was actually creating the credit. 

2. Equal Consideration, CHRYSLER CAPITAL brought nothing of value to the table and CHRYSLER CAPITAL had nothing to lose. 

3. Law terms and conditions were based on fraud! 

4. The wet ink signature of both parties. 



Fraud, deliberate concealment of material information. 15 U.S C 1692K Civil liability. Civil liability for willful noncompliance. 15 U.S.C. 1681o - U.S. Code - Unannotated Title 15. Commerce and Trade 1681o. Civil liability for negligent noncompliance. 15 U.S. Code 1640 - Civil liability with respect to any failure to make disclosures. 15 U.S.C. 1611 - Criminal liability for the willful and knowing violation. Im a federally protected consumer, I will demand discovery and a trial by jury.