23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

My mother recently passed away and I have been on able to find the title to her car. I called them send her death certificate with her beneficiaries name they have told us three times this is all they need to send us a letter there is no lein on the car. I was starting to get confused because my mother has all her she has receipts from grocery stores that dont even exist anymore. So I called them and asked when the original title was mailed out they told me XXXX of XXXX. I said no that is wrong she got really defensive and hung up on me. The car was paid off in XXXX of XXXX they never mailed my mother the title. Now we need it to move the car we are racking up fines. They are being very unhelpful
Product: Prepaid card

I made a purchase XX/XX/year>. From XXXX. I did not receive the item I paid for. At this time I contacted XXXX and the representative emailed me back informing me to file dispute with my financial institution. I then file the dispute and cash app just denies it. No investigation was made.
Product: Credit reporting or other personal consumer reports

MIDLAND CREDIT MANAGEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am requesting a assignment contract regarding the account listed above
Product: Credit reporting, credit repair services, or other personal consumer reports

2 hard inquiries that I don't recognize
Product: Money transfer, virtual currency, or money service

To Whom It May Concern, I am filing a formal complaint against Cash App ( Block, Inc. ) regarding an incomplete dispute resolution for unauthorized transactions on my account. 

Details of the Issue : My phone was stolen, and unauthorized transactions were made on my Cash App account. 

I filed a dispute for fraudulent transactions totaling {$2700.00} ( {$2400.00} + {$240.00} ). 

However, Cash App only disputed {$600.00}, leaving {$2400.00} and {$240.00} unaccounted for. 

I provided evidence, including screenshots and a police report, but Cash App denied my claim, stating the payments were authorized. 


Access Issues & Multiple Accounts Found : On XX/XX/XXXX, I was able to log back into my old Cash App account after verifying a new email and phone number. 

However, Cash App forced me to create a new account instead of giving me full access to my original one. 

When I searched my name in the app, I found XXXX different Cash App accounts under my name that I never created. 

I am concerned about potential identity theft or fraud, and I need clarification on whether Cash App requires a Social Security number ( SSN ) for account creation. 


Attempts to Resolve the Issue : I contacted Cash App Support multiple times, but they refused to investigate the remaining transactions. 

Despite submitting a police report, Cash App failed to properly investigate the fraud. 


Requested Resolution : I am requesting that Cash App : XXXX. Reopen my dispute and investigate the missing {$2400.00} and {$240.00} in unauthorized transactions. 


XXXX. Explain why my original account was altered and why multiple accounts exist under my name. 


XXXX. Clarify whether Cash App requires a Social Security number for account verification. 


XXXX. Issue a full refund for the remaining disputed amount. 



Cash App has failed to properly investigate fraudulent transactions and has not provided adequate support in resolving this issue. I appreciate the CFPBs assistance in holding them accountable. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I HAVE ATTACHED THE CREDIT REPORT AND HIGHLIGHTED THEY ARE ALLOWING ACCESS THAT I DID NOT SAY COULD HAPPEN
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have been disputing a 30-59 day late payment for XX/XX/2022 from a personal loan to all 3 major credit bureaus and XXXXXXXX XXXX  directly . They do not correct the inaccuracy. This information is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX  XXXX Balance : {$260.00} ( XX/XX/XXXX - XX/XX/XXXX ) XXXX  XXXX Balance : {$5800.00} ( XX/XX/XXXX - XX/XX/XXXX ) XXXX XXXXXXXX Balance : {$68000.00} ( XX/XX/XXXX - XX/XX/XXXX ) XXXX XXXX Balance : {$31000.00} ( XX/XX/XXXX - XX/XX/XXXX ) XXXX XXXXXXXX Balance : {$17000.00} ( XX/XX/XXXX - XX/XX/XXXX ) XXXX XXXXXXXX Balance : {$6600.00} ( XX/XX/XXXX - XX/XX/XXXX ) XXXX  XXXX Balance : {$4800.00} ( XX/XX/XXXX - XX/XX/XXXX ) XXXX XXXXXXXX Balance : {$10000.00} ( XX/XX/XXXX - XX/XX/XXXX ) XXXX XXXX XXXX Balance : {$400.00} XXXX XXXXXXXX Balance : {$380.00} XXXX XXXX XXXXXXXX Balance : {$510.00} XXXX XXXXXXXX Balance : {$21000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union has delayed my demand to remove info on my credit report for way too long. I have contacted Trans Union by phone on more than one occasion and sent several different letters. There has been absolutely NO response! As a consumer I'm both annoyed and irritated by the run around. There are several inquiries on my report that are unauthorized and Trans Union has continued to furnish this report without my consent. Trans Union has not given me the method they used to verify with ANY of these companies by way of a signed authorization that has my signature. According to the FCRA the only permissible purposes to obtain a report are : a firm offer of credit, insurance, employment, or court order. I, XXXX XXXX, affirm that I have NOT been extended any firm offer of credit from these companies listed on my Trans Union report, applied for insurance, employment, nor have am I aware of any court order stating otherwise. At this point if I demand Trans Union remove these unauthorized inquiries. They are unlawfully delaying my dispute and liable pursuant to 15 USC 1681n ( a ) ( B ). My character has been defamed and this long process and caused me extreme stress and anguish. Trans Union has furnished a report on several inquiries without my written consent and with no permissible purpose that need to be deleted TODAY before I pursue them in legally for their willful noncompliance. I'm not waiting for their unethical stall letter that will continue to delay. DELETE THEM! I am attaching my most recent letter to them. I also have certified mail receipts from previous letters that confirm receipt!
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card

This complain is for XXXX XXXX XXXX XXXX master card ( Barclays ). Since the credit card management was taken over from XXXX bank by Barclays bank in 2022, rewards reporting was deleted from monthly credit card statements. Barclays refers the consumer to go to XXXX XXXX shopping website to see the current rewards balance which only shows last 90 days and there is no way to make sense how it ties to credit card/or how it's being calculated. Barclays ( XXXX XXXX ) and XXXX XXXX ( XXXX as per consulting with her leadership ) refused to share transactions ledger and calculations for running rewards balance beyond what is given on the website for the last 90 days. The explanation is that there is a system limitation which prevents both entities to run the requested report. 
This credit card rewards program is known for falsely wiping off rewards/or miscalculating rewards for which I'm highly concerned and even more now as Barclays fully XXXX responsibility on rewards reporting even though this is rewards credit card they are to manage.
Product: Student loan

FedLoan Servicing is continuing to report late payments during XXXX in all student loans prior to 2022 ( Account # XXXX ). There were never ANY late payments on either account, ever, and in addition, per 15 U.S. Code 1666 - 1666 ( j ) There were not any approvals, or permissions to report such erroneous findings. This has defamed my character and caused additional mental and physical adversities and hardships. 

My address is also being reported incorrectly.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

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

In XX/XX/2022 my account is reported to credit bureaus XXXX, experian and XXXX  it is current and in good standing. Then in XX/XX/2022 the company reports 90 days past due. Also inXX/XX/XXXX90 days past due. You cant go from 0days past due to 90 days past due in 30 days. Both months are reported incorrect. When I disputed it they just turned around and said it was correct and closed the dispute. Unless the XXXX agent doesnt know basic math, anyone can see its incorrect.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX  XXXX Balance Owed : {$480.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$740.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX Balance Owed : {$6600.00} XXXX XXXX XXXX Balance Owed : {$1200.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Remove immediately from my credit report based on previous reports time the company reporting will provide and dates based on the laws not my personal feelings. XXXX XXXX and XXXX are all call conspirators of this crime listed below there should be a XXXX charge if they dont remove immediately. 

25 CFR 11.417 - Extortion.

18 U.S. Code {$1300.00} - Securities and commodities fraud 18 U.S. Code 1033 - Crimes by or affecting persons engaged in the business of insurance whose activities affect interstate commerce 18 U.S. Code 1028 - Fraud and related activity in connection with identification documents, authentication features, and information
Product: Credit reporting

I have incorrect creditor collection balances. The information is incorrect. My car and apartment was broken into while I was Living at XXXX. In my lease agreement I signed gave stated I have the right to break my lease if that incident was ever to happen. While staying at XXXX my apartment was also broken into and I also made a police report. These creditors are affecting my credit with false judgement
Product: Mortgage

eMortgage Funding LLC is calling me via XXXX XXXX from a credit pull I had from another broker. They have called 4 times, each time I clearly say to opt me out and put me on your do not call list. Each time they hangup on me, and then I get another call the next day. Each time they call from a spoofed number that is different. An audit will need to be conducted to uncover their calls to XXXX XXXX at XXXX XXXX XXXX. A review of their call recordings will show the blatant disregard for compliance.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX and XXXX someone added their debit card to my account and cash out my balance to their account. Cash app denied my dispute stating the me or an authorized user made the transfer and didn't provide me proof that it was me or authorized user did the transfer which no one is authorized user on my account. Per cash app policy you can't add someone else 's debit card to your account they have secruity measures in place for this not to happen verifying the ownership of the account. I don't have an account with this bank So how did a debit card get added to my account that didn't belong to me without if they have secruity measures in place and then it is the law that if you report unauthorized transcations the money is to be credited back to the account per XXXX. I reported the unauthorized transcations within 3 days of it happening. Per cash app secruity measures me or no one else can add a debit card to my account that I'm not owner of because the system wouldn't allow it after verifying it was not my account. So cash app fail to provide secruity on my account like they said they did.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these accounts, filed a police report, and submitted a FTC complaint. I moved recently, last month and was denied, upon reviewing my credit report in XX/XX/XXXX, I noticed 12 separate fraudulent accounts ranging from credits cards to small loans. I have been successful in removing some items but I continue to see several items showing even after my repair attempts. 
Accounts in question : Creditor Date Opened Balance XXXX XXXX XXXX. XX/XX/XXXX {$680.00} XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX  XX/XX/XXXX {$95.00} XXXX XX/XX/XXXX {$760.00} California XXXX XXXX XX/XX/XXXX {$1700.00} California XXXX XXXX XX/XX/XXXX {$920.00} XXXX XXXX XX/XX/XXXX {$210.00} XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX  XX/XX/XXXX {$640.00} XXXX XXXX XXXX  XX/XX/XXXX {$680.00} XXXX XX/XX/XXXX {$1300.00} Clearly, these accounts are all over the place and nowhere in my real credit history do we have examples of this type of disregard for credit worthiness on my credit report. I have not applied for credit with any of these companies. Nor have I allow anyone to use my information in acquiring credit these companies. I have been a victim of identity theft, and I did not make any of these charges or create these accounts. I am requesting that these items be, removed from my credit report. I have acquired a police report and submitted it with this complaint. Including a copy of my ID, and social security card. As required in F.C.R.A Section 605B.
Product: Debt collection

On multiple occasions Bison collections sent threatening calls to me regarding service date XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX i received a call from this company with XXXX agents on the line requesting for payment. I advised that I am unaware of these service dates. The agents continued to bully me on the line. They referenced that they can see my credit score, mortgage payments, and paid off student loans for my children. I continued to state that i am unaware of the service dates and would like a verification of validation. Another agent then told me that " I could be sitting on a lottery ticket and when can you begin to make payment. '' I was shocked and very bothered by this and was n't able to get a word in edge wise. I advised them of my XXXX XXXX and my XXXX started to affect me during the call. Another agent contacted me within hours and again requested for payment. I asked again for a verification of validation letter and he stated he could request but there was no guarantee and again insisted i make payment or they would sent the claim to their lawyer. I then asked if the agency could contact my insurance company at the time of service on conference call. The insurance agency stated they did not have a service date for my self or anyone in my family got the dates of service provided. ( This was a conference call with Bison Collections, XXXX ( insurance ), my daughter ( witness ) and myself. I then asked the representative at Bison to contact the doctor of which they stated the service was sent to collections and at first the Bison representative refused and stated it would be a conflict of interest. The agent then agreed to call the medical provider via conference call. The medical provider stated they would have to go through their archives but they did not see anything for the date of service XXXX/XXXX/XXXX nor XXXX/XXXX/XXXX, but would research. ( these calls were made on XXXX/XXXX/XXXX ) This call lasted about 4/5 hours. This collection agency is requesting round {$2800.00} for XXXX service date of which the medical provider nor the insurance company can seem to find. Bison Collections have yet to send any statements as well. I even request for certified mail to serve as proof of receipt. I am not aware of this bill and have yet to receive any statement nor verification of validation letters. As last week i continue to receive calls from this company requesting payment and i continue to request for statements. Today I tried calling the collection CO, and the representative refused to tell me who he was, or where they were located, until i provided my name and SSN, I then hung up.
Product: Student loan

I recently tried recertifying my income based repayment through Navient. I submitted everything required for student loan.gov in XXXX well before the deadline of XX/XX/XXXX. I provided Navient a timely copy of my tax return around the same time. I initially called on XX/XX/19 and was after talking with Navient representatives that they had received my documentation and that a tax return was all that was required. I asked if my application was now renewed but each time they said that it took a few more business days to confirm my documentation. This was consistent with their website as each time Ive submitted it the confirmation message asks for at least 10 days for processing. Navient sent me an email confirming that they had my application on XX/XX/19. 

Navient does not have a method to confirm your income documentation and there is no confirmation method for any of this process on their website. I found this whole process fishy as I never got confirmation that my plan was renewed only that my application was received and I never got confirmation emails when I would resubmit the tax returns. 

Two days before the deadline of my income-based repayment recertification on XX/XX/XXXX I was told via a single email that Navient did not have any documentation and that my income-based repayment was expiring. This occurred just before a weekend and Navient is not contactable during weekends. I was not able to contact navient prior to the deadline two days later. 

The deadline has passed and Navient is now going to remove me from my income based repayment plan, my loans will be capitalizing, and I my payments are going from {$180.00} to around {$1700.00} next month. 

I simply want Navient to have accepted the multiple tax returns that I have sent over the last two months which were well within the deadline and get to stay in my income based repayment plan. This has been a consistent theme in working with Navient as this will be my third time having to submit to the CFPB regarding Navients attempts to keep me from an income based repayment plan.
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 XXXXXXXX XXXX  # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.
Product: Money transfer, virtual currency, or money service

I work forXX/XX/XXXX I got direct deposit from the bank over 2 years today I was expecting my check to be in my account and left me stranded I needed food I need to pay my bills I had nothing no food and I couldn't pay my bills a mental disturb me as well this is not part of the contract that we agreed
Product: Checking or savings account

On XX/XX/2024 BMO Harris Bank had notified me that they had issued payment of a fraudulent check in the amount of {$4300.00} against my savings account with them. They have the person who wrote a check against this account ending in XXXX on video and were now aware that the check cashed did not match my signature and that the transaction was indeed fraud. As of this date, I have contacted all various organizations, ( i.e. Credit Bureaus, XXXX XXXX, police report, etc. It has now been almost XXXX months and my money has not been replenished by BMO Harris after multiple attempts. 

Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Open. 
XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1900.00} XXXX XXXX. 
XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$64000.00} XXXX XXXX.