23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has notified all three major credit reporting agencies that the bankruptcy thats being unlawfully reported needs to be removed immediately! Ive also called each reporting agency to notify them of this unlawful act and they all have refused to comply with the laws defined in the FCRA! XXXX, EQUIFAX, and XXXX are all civilly liable for violating my consumer rights pursuant 15 usc 1681n! They are violating my right to privacy pursuant 15 usc 1681. And neither have permissible purpose pursuant 15 usc 1681b.
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 redress for these violations.
Product: Checking or savings account

I am writing to formally file a complaint against Navy Federal Credit Union concerning multiple overdraft fees that have been applied to my account. These fees were charged despite having sufficient funds available at the time the transactions were authorized. The charges appear to be the result of delayed posting of debits and credits. This issue reflects the recent CFPB findings against Navy Federal, which highlighted similar practices where transactions settled with insufficient balances, even though funds were initially available. I believe these practices are unfair and request a thorough investigation into the transactions on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a dispute on XX/XX/XXXX about child support never was once paid since XXXX I submitted all my payments from the texas attorney genera ; website! the debt they reporting is XXXX but im including all my payments that get deducted out my paychecks and more!
Product: Credit reporting, credit repair services, or other personal consumer reports

IAM requesting XXXX, XXXX, and TransUnion, to BLOCK and DELETE, IMMEDIATELY, all accounts, addresses, employers, inquiries, names, listed on my Police Report, below, Effective this Wednesday, the XXXX of XX/XX/XXXX, at XXXX est, as a result of being a victim of Identity Theft, by losing my Birth Certificate, Drivers License, and Social Security Card , at XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX. LITIGATION - I have not been supplied proof per doctrine of estoppel by silence. Engelhardt V. Gravens ( mo ) 281 SW 715, 719. I presume no evidence of the Alleged Debt therefore exist. Peace Family TransUnion : Also Known As : XXXX, XXXXXXXX XXXX  Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Name : XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX Employers : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX 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 Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Name : XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Accounts : XXXX XXXX : XXXX XXXX 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  Inquiries : XXXX XX/XX/XXXX
Product: Debt collection

- XX/XX/XXXX : Move Out agreement and early termination of lease was granted by lessor XXXX XXXX XXXX XXXX in XXXX Al. ) XXXX XX/XX/XXXX -- Letter to request " Validation '' of debt that has fallen under my name. 
- On XX/XX/XXXX -- A letter was received from Rent Recovery Solutions using an expired lease from XXXX XXXX XXXX, which was terminated prematurely by finding a Subleasor to take over remaining lease term from XX/XX/XXXX -- XX/XX/XXXX ; Move out agreement was signed on XX/XX/XXXX and given to XXXX XXXX XXXX in XXXX, AL.
Product: Credit reporting or other personal consumer reports

They stole my identity and opened accounts which I am disputing and requested an independent investigation which they did not send to me and they did not delete the accounts from my credit report. These are the accounts Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX 4 fraudulent checks were deposited to 2 of mine and my sons account,. On XX/XX/XXXX I went to the bank and spoke with XXXX about them, he suggested that the 2 accounts be restricted and because my social security just went into account he suggested to open a new account and to use the current debit card. He also said my sons account should not be affected. XX/XX/XXXX I  went to the bank to make deposit to pay my bills and found out all accounts had restrictions and I was being charged several fees. I spoke with XXXX and he called home office and spoke with XXXX and she told me I could no longer be one of their customers, I said ok, but if they were closing all accounts I wanted my money and she said no and XXXX said he could not do anything. Today XX/XX/XXXX my son and myself went to chase to officially close accounts and get our remaining money out, which for my son is {$640.00} and mine is {$800.00} they told us no that it would be mailed to us in about 10 days. Not exceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to you today to request that you remove the fraudulent accounts and information you report on my Credit file. I previously sent a letter on XX/XX/XXXX requesting you to remove inaccurate personal information, address, and accounts that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaints & I am including it again. Please remove the following items as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX 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 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. I have read that under the FCRA section 605b, you are required by law to remove any accounts and information that resulted due to identity theft, please do so.
Product: Debt collection

They claim that I owe over XXXX $ to them for a debt through XXXX XXXX XX/XX/XXXX. XXXX XXXX told me that it was paid by me XX/XX/XXXX. Recovery solutions said they are processing my account for court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and my identity was used to open account with USAA Federal Savings. I have never conducted business with this bank in person or by phone. My credit is ruined due to these accounts that I am not responsible for and did not open. USAA Federal Savings has allowed someone to open accounts using my identity.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against ChexSystems XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX, for refusing to provide me with a copy of my consumer report, despite my multiple requests. As mandated by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811682, they are required to furnish this report upon request. Their refusal violates my rights under the FCRA and prevents me from accessing and verifying the information they hold about me.

Under 15 U.S.C. 1681g ( a ), consumer reporting agencies must disclose all information in a consumer 's file upon request. My right to access this information is a crucial aspect of the FCRA, which protects consumers ' ability to ensure the accuracy and fairness of their credit information. However, ChexSystems and XXXX XXXX XXXX have repeatedly ignored my lawful requests. 

Additionally, 15 U.S.C. 1681 ( b ) underlines the purpose of the FCRA in maintaining the accuracy, fairness, and privacy of consumer information. Denying access to my reports prevents me from identifying and correcting potential inaccuracies, undermining the very intent of these protections. 

I request that the CFPB take immediate action to ensure that ChexSystems and Early Warning Systems provide me with my consumer reports without further delay. My preferred method of receipt is by email at XXXX, or, alternatively, by mail to the address listed on my government-issued ID, which I am prepared to submit upon request. 

Thank you for your prompt attention to this matter.
Product: Student loan

I have been waiting over a year for my payment count for PLSF to be reviewed by Fedloan. I applied for a short term forbearance in XX/XX/XXXX and all payments that I made during residency training prior to XX/XX/XXXX were not counted due to a technical error ( wrong date entered ) on the short term forbearance form that was filled out in XX/XX/XXXX. My payment count is off by roughly 20+ per my calculations. 

The forbearance form asked for dates that I was in the training program, which I entered as XX/XX/XXXX-XX/XX/XXXX. I  filled this form out in XX/XX/XXXX so I could forbare for less then 1 year while I transitioned from resident to getting my first job. Fedloan interpreted the forbearance form to mean that I was requesting a " retroactive forbearance '' for the entire time I was in the training program, even though I had been making payments before the forbearance was requested. So the payments that I had already made that were counting towards PLSF were then taken away from me. 

Of note, I resumed making on time payments in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX report number XXXX XXXX XXXX account XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - account XXXX XXXX XXXX XXXX XXXX XXXX XXXX- account # XXXX XXXX XXXX XXXX XXXX - account number- XXXX XXXX XXXX XXXXaccount XXXX XXXX XXXX XXXX- account XXXX XXXX XXXX- account XXXX XXXX XXXX XXXX XXXX- account # XXXX XXXX  XXXX XXXX XXXXaccount number XXXX XXXX XXXX- account number XXXX Please investigate if every piece of information is correct They violated my rights under 15 U.S.C 1681 section 604 A section 2 : the law clearly states a consumer reporting agency can not furnish a account without my written instructions They also violated my rights under 15 U.S.C 1681 SECTION 611 ( 2 ) ( A ) : the law clearly states the credit bureaus have 5 days to notify me from when they receive s my dispute They also violated my rights under 15 U.S.C 1681 SECTION 611 ( 5 ) ( A ) ( l ) ( ii ) .The law clearly states if items are found inaccurate or can not be Verified the consumer reporting shall promptly delete the information from the consumer.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I have been a victim of a data breach in which my personal information was compromised. As a result, unauthorized accounts and inquiries have been added to my credit report. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you block and delete the following accounts and inquiries : Accounts to be blocked and deleted :XX/XX/XXXXXX/XX/XXXX
Product: Student loan

( 1 ) Background : I withdrew a total of four $ XXXX student loans ( $ XXXX total ) for school, two of which were from Wells Fargo ( $ XXXX + $ XXXX = $ XXXX total from Wells Fargo ). 

( 2 ) History : I had to leave my university due to unforeseen health issues, and continued & completed my education at a local college. This was when I pulled out the two Wells Fargo loans, with the intention of completing local college & going onto a 4-year degree & XXXX XXXX XXXX. 

( 3 ) Change of events : Due to my time in & out of school ( due to medical issues ), my repayment terms changed at Wells Fargo, and my interest rates on both Wells Fargo loans ballooned above 14 %. My other student loans are half that rate ( for the same original amount withdrawn ) ( 4 ) Payment history : To Wells Fargo, on the two $ XXXX loans combined ( $ XXXX total ), I have already paid back over $ 125k ( {$120000.00} to be exact ) and currently owe {$87000.00}. I feel this is predatory lending practices. So not only do I still essentially owe the original $ XXXX, but also $ XXXX more on top of that, despite having paid back over {$120000.00}. Wells Fargo lent me $ XXXX and has made an additional {$76000.00} profit off off me, so not only have I paid back the original loan amount, but more than $ 75k on top of that - more than double the original loan amount! 

( 5 ) Note on interest : On both of my loans, my interest is more than double the principle. I pay over {$1500.00} a month combined. 

( 6 ) Other student loans : In comparison, my other two $ XXXX loans from other companies are {$200.00} a month and {$260.00} a month, respectively, for a total of {$460.00} a month. Wells Fargo is surcharging me over {$1000.00} a month over what my other loans are ( same original principle ).
Product: Checking or savings account

I accepted a 30 day trial of a service that I did not use. I attempted to cancel the service before the trial period ended. The were no instructions, buttons, paths, banners or visual queues to end the service. I emailed the support service, but never received a response. My account was charged for a full membership of XXXX {$100.00}. I again attempted to locate a path to close my account and request a refund. No such path was available to me. I emailed the customer service, never received a response. I contacted Paypal for to request a refund by filling a dispute. Less than 10 days later I received notice that my dispute claim was denied. There is no information regarding the investigation or how the merchant was contacted.
Product: Prepaid card

I'm have been trying to lift the restriction and have give them everything they need and they will not except all the identification that have given them they keep blowing me and I'm on ssa and need money please help me
Product: Money transfer, virtual currency, or money service

I had a whole bunch of bank accounts and credit cards open under my name that I did not have any access to. A mortgage, a auto loan. school loans as well as government money taken from me. They then Put bankruptcy on my credit report. I know who it was I just need to take the steps to do it.
Product: Debt collection

Dear CFPB Representative, I am writing to formally file a complaint against Bill.com and one of its employees, XXXX XXXX, who is involved in their fraud investigations department at the XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

For the past two years, I have been subjected to continuous online harassment, defamation, and stalking by XXXX XXXX. This harassment has extended beyond professional matters and has become personal, violating both my privacy and my rights. Specifically, XXXX XXXX has : Stalked my social media accounts, including XXXX and XXXX ( formerly XXXX ). 

Defamed me in XXXX XXXX chats under the alias " XXXX '' on XXXX, an account linked to his phone number ( XXXX ). 

Repeatedly requested money from me over a small unpaid debt in a manner that constitutes harassment. 

Contacted my family members in inappropriate and XXXX formats. 

Submitted online contact forms to harass me about my deceased father.

Posted my mothers address on the internet, endangering her safety.

This sustained harassment over a period of two years has caused significant emotional distress, reputational harm, and security concerns for both myself and my family. The actions of XXXX XXXX, while under employment with Bill.com, have crossed the line from debt collection into outright intimidation, privacy violations, and defamation. 

I have gathered extensive documentation supporting my claims, including records of online interactions, defamatory posts, and communications that will be submitted as evidence in my forthcoming lawsuit. I will be listing both Bill.com and XXXX XXXX as defendants in my legal action. 

Given the severity of this issue, I am requesting that the CFPB investigate Bill.coms handling of debt collections, employee conduct, and potential breaches of consumer protection laws. Furthermore, I request that XXXX XXXX be held accountable for his actions, which have gone far beyond the scope of any legitimate financial dispute. 

I appreciate your prompt attention to this matter and look forward to your response. Please let me know if any additional information is required to facilitate your investigation. 

Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. Unauthorized fraudulent accounts include the following : XXXX XXXX opened XX/XX/XXXX balance XXXX XXXX XXXX XXXX opened XX/XX/XXXX {$230.00} XXXX XXXX  opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX balance XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance XXXX $ XXXX card opened XX/XX/XXXX balance XXXX XXXX XXXX XXXX  opened XX/XX/XXXX balance XXXX $ Unauthorized address used to obtain fraudulent accounts include : XXXX XXXX XXXX XXXX, XXXX OH XXXX XXXX XXXX XXXX, XXXX OH XXXX XXXX XXXX XXXX, XXXX OH XXXX Fraudulent inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I received a letter from MOHELA on behalf of XXXX XXXX XXXX on XX/XX/XXXX stating the balance of my two loans with XXXX. of XXXX ( XXXX and XXXX ) were at ZERO balance and that my XXXX XXXX XXXX XXXX application was processed and approved. After waiting 90 days, I checked my credit report ( s ) and my reports are still showing an open account with a balance of {$48000.00} as of XX/XX/XXXX. This error from XXXX XXXX XXXX is affecting my credit report negatively and may unfairly disqualify me for future financial exchanges. I request XXXX XXXX XXXX immediately notify ALL credit reporting agencies to accurately reflect the balance and status of my student loan account, account number XXXX.
Product: Mortgage

On XX/XX/year>, I made a {$5500.00} payment towards my mortgage. I do not feel that this was a necessary or legitimate payment. However, I was told that this is the only way I could bring my account up to date. I made the payment to protect my credit report while I planned to work with PennyMac to resolve the erroneous late fees and correct the payments made to date. 

This payment was received by PennyMac but was not applied to my account correctly or in a logical manner. 

Only {$5100.00} is showing in my payment history. There are 5 rows on my loan activity, none of which make sense. This occurs every month with PennyMac applying our payment amounts incorrectly. Due to the mismanagement of this account and the misapplication of payments, our credit report now shows a delinquent account and late payments.
Product: Credit reporting or other personal consumer reports

XXXX and XXXX are reporting an account that is not mine. I never owed XXXX XXXX collecting for XXXX XXXX XXXX. I was not contacted by anyone regarding this debt or givin the chance to Verify the debt. I was not a resident of Georgia when it was reported in 2023, nor did I give anyone permission to open an account in my name
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information The following accounts : XXXX XXXX XXXX installment loan The Following XXXX Inquiries - XXXX XXXX XXXX XXXX The following XXXX Inquiries XXXX XXXX XX/XX/2024 the Following Transunion inquiries XXXX CREDIT XXXX XXXX XXXX Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX ENCLOSURES : - Identity Theft Report - Proof of identity : - Copy of Credit Report - Fair Credit Reporting Act Section 605B