23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate regress for these violations.
Product: Student loan

I took out the school loan in 2006. After I left school, I was told I had to pay {$50.00} per month and a certain percentage of that would go towards interest. I was told I could make additional payments towards the principal, but in fact my payments were only applied to future payments. The problem continued to get worse as the automatic payments continued to be withdrawn from my bank account and applied to principal and interest. After 10 years, my loan hardly decreased at all. 
I finally moved it to a 0 % credit card and paid it off in 1 year. I should also mention my interest went up several times with no notification. From 2 % to 6.5 %, I think. Navient is terrible.
Product: Credit reporting, credit repair services, 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 items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items 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 items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX  VA XXXX XXXX XXXX XXXX XXXX : {$410.00}, XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$970.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/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 XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/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 XXXXXX/XX/XXXX 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 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. Kindly investigate my claim in accordance with the Fair Credit Reporting Act.I request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide 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
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX ( mail date, as showing in attached PDF of certified letter ), I submitted a formal dispute to ChexSystems via certified mail regarding multiple inquiries on my consumer report that appeared excessive, clustered, and potentially unauthorized. These included inquiries from XXXX XXXX, XXXX, and several high-risk or XXXX  lenders such as XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX  XXXX  XXXX XXXX particularly concentrated on dates like XX/XX/XXXX and XX/XX/XXXX. 

In my letter, I specifically requested that ChexSystems conduct a reinvestigation under the Fair Credit Reporting Act ( FCRA ), validate the legitimacy and authorization of each inquiry, remove any unverifiable entries, and recalculate my ChexSystems score based on the outcome of the reinvestigation. 

On XX/XX/XXXX, ChexSystems responded with a generic form letter stating that my dispute lacked specificity despite the fact that my original letter clearly identified the nature of the dispute and the parties involved. Their response provided no indication that any actual investigation had been performed. 

Given the clarity and sufficiency of my original dispute, I believe this response represents noncompliance with FCRA obligations, specifically 15 U.S.C. 1681i, which requires a reasonable reinvestigation of any disputed information. As a result, I am seeking CFPB assistance to ensure ChexSystems : Conducts a full reinvestigation of the disputed inquiries Removes any unverifiable or unauthorized entries Recalculates my score based on the updated file Provides written confirmation of their findings I am attaching my original dispute letter, ChexSystems response, and my supporting documentation. I appreciate your assistance in ensuring that ChexSystems complies with its responsibilities under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter off XXXX XXXX, XXXX, I told the credit bureaus to investigate every piece of information the accounts I have listed below. Also, I have attached a copy of the letter I sent out, and here is the tracking information through USPS :  Transunion : XXXX XXXX : XXXX XXXX : XXXX According to Fair Credit Reporting Act, the term Investigate Consumer Report means a consumer report, or portion thereof, in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews, friends, or associates of the consumer reported on, or with others with whom he is acquainted or may have knowledge concerning any such items of information. They stated my account was verified, but how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on these accounts are still not reporting 100 % accurate. Also, according to 15 USC 1681, everything has to be 100 % accurate. 

These are clear violations of my federally protected rights. 

Accounts Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX Also, I have some personal information that needs to be addressed as well. Can you please in-vestigate and remove these names as well? It should only be as listed at the top of this letter. 
Wrong Names : XXXX XXXX Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Employers : 1 ) XXXX EMP 2 ) XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I put a fraud alert on my credit bureau file with Equifax. As of XXXX/XXXX/XXXX I had the fraud alert removed and noticed 21 unauthorized inquiries were listed on my credit report with Equifax during the time that I had a fraud alert. I disputed the inquiries in XXXX XXXX with Equifax as unauthorized and fraudulent. In response to my dispute Equifax sent me the attached letter saying that the 21 inquiries were a factual record and refused to remove them. I have tried disputing these inquiries with Equifax and the companies that put inquiries on my report. Equifax is telling me to contact the companies and the companies are telling me to contact Equifax. I am getting nothing but the run around. I need these inquiries removed as they are not mine. According to the FCRA I have the right for my credit report to show accurate information. Please help me. Equifax knows that these inquiries are fraudulent because they did not provide how they verified this information as I have requested several times. I am pretty sure that most of these inquiries were part of the Equifax data breach in early XXXX. I sent out letters to each company directly its been over 60 days and I have not received a response. To my knowledge all consumer reports should be true of whats being reported.
Product: Credit card or prepaid card

I tried to contact Capital One about not allowing me to have the full limit of the {$300.00} they promised me. It says on my credit limit that my credit limit is {$300.00} and Capital One only allows me to spend like {$250.00} can you please explain this to me.
Product: Credit reporting

Account has been closed since 2009. All of a sudden it reported a payment! I conacted Equifax and filed a complaint. They responded that the account was showing XXXX balance and closed the dispute. I filed again and told them I need the dates fixed, not the balance, as it caused a XXXX point drop in my rating. They have just closed it again, confirming that it is a zero balance after I clearly told them I need the dates fixed. Notice on the attachment that it is reporting a payment, that I did n't make, in XXXX of this year, and that the Account was closed in 2009.
Product: Credit card

I am trying to pay down my debt. I applied for a XXXX % interest card to do a balance transfer to a card that has a high interest rate. On XX/XX/year>, I requested a {$2000.00} balance transfer from XXXX to pay {$2000.00} off my Venmo credit card through Synchrony Bank. The payment that was posted to my Venmo account was {$4000.00}, not the {$2000.00} that I requested. I called Venmo and told them that was not correct. Then I was told that they do not allow balance transfers so the money would be returned to the sender. I called XXXX to try to get the balance transfer stopped, but they sent me a letter on XX/XX/year> stating that the payment had cleared so they could not cancel it. I then called Venmo back and told them that XXXX said the payment cleared. Venmo told me that they would send me a refund. When I called back to check on the refund, they told me the money could not be refunded because the payment was returned unpaid by XXXX. It was a wire transfer, so I don't know how that is possible. They told me to file a dispute so that they could look into this further. On XX/XX/year>, I received a letter from Venmo telling me that the payment was returned from my back on XX/XX/year> and to contact XXXX again. Again, this was a wire transfer. Now I am paying the {$2000.00} back to XXXX and still paying all the interest on the Venmo account because the money is in limbo somewhere. I have spent no less than XXXX hours on this. Keep asking to speak to a Venmo supervisor, but I am put on hold each time then the phone hangs up. Spoke to these people at Venmo XXXX XXXX, XXXX ID XXXX, and XXXX hung up on me after I requested a supervisor. At XXXX, I spoke to XXXX, XXXX, and XXXX a supervisor.
Product: Credit reporting or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of inquiries in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$3300.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX {$1900.00} XX/XX/XXXX XXXXXXXX XXXX XXXX {$280.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/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  ( Original Creditor : I XXXX {$3100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$9400.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX NAMES NOT RECOGNIZED XXXX XXXX, XXXX XXXX XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXXXXXX XXXX XXXX  XXXX, TX XXXX INQUIRIES NOT RECOGNIZED XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion 15 U.S.C , 1681section 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 XXXX years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I according with fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have rights to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer credit reporting agency can not furnish a account without my written instructions.

15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose.
Product: Debt collection

I am currently enrolled in a debt consolidation program with XXXX XXXX XXXX, who has been wonderful to me. One of my accounts enrolled in the program is a personal loan from XXXX XXXX XXXX ( XXXX ). Today, XX/XX/XXXX, I was contacted by their debt collection agency, known as CU Recovery in Minnesota. The individual, XXXX XXXX, took it upon himself to contact my girlfriend and my girlfriend 's sister ( whom which I don't even have her number ). This, to the best of my knowledge, is not only extremely unprofessional and unnecessary, but illegal and not allowed by an agency. I have made payments to my debt consolidation perfectly for nearly a year now, and negotiations were already underway with this creditor. For this man to do this is unbelievably rude. Clearly, he had to do some serious digging to even get her number, which again I myself do not even have. 

In light of this, I would like to submit a formal complaint on CU Recovery and XXXX XXXX for this absurd action. Thank you.
Product: Debt collection

My credit score has a collection that don't belong to me. This was reported in XXXX  from a company called GMAC. Account number on file is XXXX. Amount for the transaction is XXXX. This was reported on XX/XX/19. I try calling the lender myself and they advise me that I don't have any history with them. XXXX  reported this issue and my confirmation number is XXXX.
Product: Checking or savings account

My name is XXXX XXXX. This is to inform you that on this date : XX/XX/2022 I received a text message from XXXX, Citi Bank that stated the following : " Did you make a transfer for {$49000.00} from account ending XXXX on XXXX YES = 1, NO = 2 or call XXXX. Reply STOP to Opt-Out '' What I did in response was text back # 2 as I was in a state of shock. What money transfer? I did not do this or authorize it. I also was in contact with Citi Banck at the phoine number provided above. I informed them about this text message and the fact that I did not authjorize any transaction, transfer or anything. I then received claim # XXXX as they recorded the fraudulent case. I was informed that money willbe blocked as transfer takes three days to complete and this transaction should not go through but it did. I went to the bank location on XXXX XXXX XXXX XXXX in XXXX XXXX IL XXXX to report and check that action was taken to stop this transaction. The branch manager filed another report which I personally signed and we closed account # XXXX that was stolen from and opened new ones. It is unfortunate to see that the bank still permitted this transaction to go through when I clearly texted I did not authorize it, I called and reported the fraudulent action and I went to the bank to stop any possible transaction. Since then, Citi Bank denied my case and I still do not have my money. I went multiple times to their branches and called still nothing. How is this even possible? Please assist. Thank you.
Product: Credit reporting, credit repair services, 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 items 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 items 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 items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$490.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1200.00} XXXX XX/XX/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 XX/XX/XXXX 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 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to Equifax result of their non-compliance to my request and for their refusal of getting the items and authorized inquiry, listed below, to be removed or corrected from my credit reports. Now, I would like to ask for your help to get rid of these items and authorized inquiry or have Equifax get back to me with regards to the issue. Here are the items and inquiries that concern me : XXXX XXXX XXXX Balance : {$130.00} XXXX  XXXX Balance : {$190.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Bankruptcy Reference # : XXXX Asset Amount : {$0.00} XXXX  Date of inquiry XX/XX/2020
Product: Credit card or prepaid card

Bought XXXX  gift card from XXXX XXXX store on XX/XX/22. Tried to activate card and was told card was inactive even though I had the activation receipt from purchase. 
XXXX can not help with issue once purchase is made. 
I called the number on the back of the card and after waiting and being disconnected several times with a total of 7 hours of combined time on the phone, a representative told me the card I purchased was compromised prior to me buying it from the store. They said they would mail me a new card. 
The replacement card was never sent and I have attempted contact with visa several times with no success. Wait times are over 1 hour.

I just want my money refunded to me..

Its been over 3 months they have held my money. This is borderline fraud!
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Specialized Loan Servicing OFFER IN COMPROMISE SETTLEMENT XXXX XXXX XXXXXXXX Based on the property tax bill I was provided by SLS in XXXX my property tax bill from XX/XX/XXXX to XX/XX/XXXX so far {$1400.00} have been over collected by SLS. There was a negative {$13000.00} for property tax bill provided by SLS its {$11000.00}. I have been over billed here too. 
PUBLIC NUISANCE WHICH SLS HAS NO RECORDS WAS PAID {$6200.00} IS NOT ESCROW ACCOUNT XXXX XXXX XXXX WITH THIS ON XX/XX/XXXX. ON XXXX PROPERTY TAX BILL {$3600.00} AND XXXX {$2600.00} WAS PUBLIC NUISANCE. TO MAKE IT WORST NO ONE HAS RECORDS FOR THIS. 
In XXXX payment of {$60000.00} was made by the state of which {$17000.00} was collected statement date XX/XX/XXXX. 
XXXX. Mortgage interest form XXXX reported to IRS shows {$3200.00}. 
XXXX. On CFPB response XX/XX/XXXX SLS stated they only collected {$1400.00} property tax. 
XXXX XXXX XXXX  took out {$73000.00} for principal interest and escrow. Property tax bill from XX/XX/XXXX to XX/XX/XXXX was {$11000.00} and should been all paid from {$99000.00} payment. Misapplied payment of {$29.00}, XXXX Based on my records, the total amount of money loss of {$60000.00} for which I am now considering state auditor to audit entire payment. 
With this above unresolved I do not {$60000.00} but {$29000.00} or nothing account should have XXXX balance. 
As a comprise I am offering {$30000.00} to pay off this loan and full in lieu of not filing new complaint for public corruption, fraud, financial mismanagement and requesting stated auditor to audit this account which states paid. 
Entire records of property tax bills, CFPB response and so on I was provided by SLS and XXXX XXXX XXXX  to provide. 
ALSO PLEASE PROVIDE ME ATTACHED BILLED ITEM INVOICE FOR THE SERVICE PROVIDED COPY TO VERIFY WHO PROVIDED THE SERVICE. EXAMPLE OF THE SERVICE PROPERTY INSPECTION COULD BE ONE OF THOSE. 
IN THE SAME PAYMENT HISTORIES BILLED ITEM TO ME XX/XX/XXXX PROVIDE ME COPY OF INVOICE THAT WAS BILLED FOR {$590.00}, {$510.00} WHAT WAS THIS FOR, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX {$25.00} EACH WHAT WAS THIS FOR, XX/XX/XXXX FOR {$25.00} XX/XX/XXXX FOR {$88.00}, XX/XX/XXXX FOR XXXX AND {$75.00} EACH BILLED TWICE AND XX/XX/XXXX FOR {$360.00}. 
Please have this offer of settlement no later than XX/XX/XXXX so I have time to decide about this pay off. I am also requesting you to remove {$25.00} and {$30.00} fee charged. 
XX/XX/XXXX