23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Cash App Support XX/XX/XXXX XXXXXXXX XXXX I need to dispute this transaction. Items never received. 
XXXXXXXX XXXX XXXXXXXX Hi XXXX, you can dispute a purchase from this support article. 
Dispute a purchase Tap to get started XX/XX/XXXX XXXX XXXX  Hello I did not make this XXXX 's pending charge. 
Please remove or dispute Cashbot Chat with Support XXXXXXXX XXXX XXXX XXXX Cash App Support Hi XXXX, first we need to know which transaction.. 
Pick a transaction Tap to get started XX/XX/XXXX XXXXXXXX XXXX {$110.00} at XXXX XXXX XXXX XXXXXXXX Hi XXXX XXXX how can I help you with this transaction? 
This is the fraud transaction need to dispute {$110.00} Wednesday at XXXXXXXX XXXX XXXX Okay. You can dispute the purchase from this link. 
Chat with XXXX XX/XX/XXXX, XXXX Dispute denied We reviewed your dispute with XXXX XXXX for {$30.00}, and based on the details provided we determined that no error occurred. Therefore, we have denied your dispute. 
Your temporary credit of {$30.00} will be reversed from your Cash balance on XX/XX/XXXX. 

Details in your receipt. 

You can reach out to Support for the documents we relied on to make this determination at any time. 

We appreciate your ongoing patience throughout the dispute process. 

Thank you, Cash App Support
Product: Credit reporting, credit repair services, 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$190.00} XXXX XXXXXXXX Balance : {$880.00} XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$300.00} XXXX  XXXX Balance : {$880.00} XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXXXXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX Balance : {$190.00} XXXX XXXXXXXX Balance : {$880.00} XXXX XXXX XXXXXXXX Balance : {$300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I wrote a letter regarding inaccurate and unknown accounts on my consumer reports. They responded back saying the accounts were verified, never explained or showed proof on how they verified these account. I have not enter into any consumer contract with these companies with XXXX XXXX XXXX XXXX XXXX nor XXXX  XXXX XXXX. TransUnion is in violation of 15 USC 1681 this account is not accurate, they also my right as a consumer to privacy 15 USC 1681 ( a ) ( 4 ) I demand both of these accounts be deleted immediately or I will file ligation due to stress
Product: Credit card or prepaid card

On XX/XX/XXXX I used my Synchrony XXXX XXXX XXXX acct ending in XXXX to put a down payment of {$1500.00} on a condo for rent for the following year. In XX/XX/XXXX I had to cancel that reservation and the company XXXX XXXX had a policy to only credit the bankcard which was used to make the original payment. Id informed them that the account was no longer in service since XXXX XXXX had changed from Synchrony Bank to using XXXX and that a new card/account was created ( XXXX ending XXXX XXXX with XXXX ) XXXX XXXX XXXX insisted that was the way they had to do it and on XX/XX/XXXX made a credit to the XXXX acct ending in XXXX to Synchrony Bank of {$1300.00}. To this day I have not received that money and having called both Synchrony and XXXX on several occasions, I have gotten the run around and claims by your employees that no such account has ever existed. As you can see from the attachments/enclosures there actually was a XXXX XXXXXXXX XXXX account with Synchrony ending in XXXX which was billed on XX/XX/XXXX for the deposit to Midnight Cove. I paid the credit card bill in full ( {$2200.00} ) on XX/XX/XXXX from my personal checking account via an electronic payment ending in XXXX. I am asking that you reimburse me the money that was credited to your bank by XXXX XXXX on XX/XX/XXXX in the amount of {$1300.00} with direct deposit or bank check as soon as possible. It has now been over 60 days since the credit was made by XXXX XXXX bank and I have seen nothing and no one from your institution is willing to help me remedy this. 
You may speak with the XXXX XXXX, XXXX, at XXXX XXXX at XXXX who can attest to the fact that the account ending in XXXX was indeed credited the money in the amount of {$1300.00} on XX/XX/XXXX. You may reach me at ( XXXX ) XXXX to update me on the status of this request. I look forward to your forthcoming reply. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Student loan

Attended University of XXXX for two years. The university charges roughly XXXX a quarter. I requested loans through XXXX XXXX which is now bought out by Navient. Instead of charging interest on the whole amount, they charged each quarter as an individual loan and taxed 9 % interest on each. I also have a loan through XXXX XXXX XXXX 's which is not near as bad as XXXX XXXX. They allowed us to pay interest only payments but it still added up to XXXX just for interest. Now we are paying full amount of XXXX. We are XXXX military. My husband has been XXXX. His name is not on this loan but it greatly prohibits are finances and we are unable to visit family or live comfortably as a military family.
Product: Debt collection

This is in reference to the dispute I have with way point at XXXX  and equifax. This is a copy of the theft report for you to have on file.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had XXXX late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for this account. I have included a screenshot inside this complaint in on dates of XX/XX/year>, and XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments to be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
I am making this final goodwill gesture to allow you to correct your erroneous reporting, and i am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, No. XXXX ( XXXX ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. )  Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Product: Checking or savings account

My Discover Bank savings account was recently hacked and the hacker initiated 2 ACH transfers ( ACH Deposits ) of {$50000.00} and {$30000.00} from my linked XXXX XXXX XXXX Bank accounts on XX/XX/2024. I noticed these unauthorized transactions and contacted Discover bank to cancel these transactions and return the {$50000.00} and {$30000.00} to my XXXX accounts. Both funds were later returned on XX/XX/2024 as " Misc Debit - Unauthorized Transactions ''. However, on XX/XX/2024 XXXX more transactions of same amounts ( {$50000.00} and {$30000.00} ) debited my same savings account under " Reverse ACH Deposit ''. I never received there funds in my XXXX XXXX  accounts. I have tried to directly work with Discover Bank many times to request credits for these XXXX debits since XX/XX/2024. Discover Bank customer service, including their Dispute and Investigation Team, not only refused to credit the {$50000.00} and {$30000.00} to my savings account but also refused to give me any explanation regarding these total of {$80000.00} that was debited to my account. During these time, they have given me false and/or vague promises such as " we will credit your account in the next XXXX hours '' or " we have our back office look into these and will have them solve this for you within XXXX business days ''. As of today, XX/XX/2024, I have not received credits nor explanation of the additional {$80000.00} that was taken from my account.
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. 

Account Name : XXXX  XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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: Debt collection

HI SOUTHWEST CREDIT SYSTEM COLLECTION XXXX XXXX Collection {$730.00} ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Checking or savings account

I was unable to pay bills, do XXXX Friday, do shopping, it caused me a lot of distress, I was unable to do grocery shopping, I was unable to buy food for other people that I had promised, since I wasnt able to buy groceries, this defended my character, it made me look like a person that has no money or brakes promises! I was laid on a few bills I was laid on my rent, I just left a lot of people, including myself very unhappy and very stressed out, I asked them what was going on was why wasnt I able to use my card and they gave me a lot of back-and-forth, at the end of the day I am only a consumer I dont have time for all of this and figuring out what CHASE BANK is doing, all I know is I deposit money in my bank and I want to use it they told me I had limits on my account Which they never told me that in the beginning of the process, they just flat out lied to me XXXX minute they said that I had a limit on my account and I couldnt raise it until 12 months the next minute the representative told me that thats not true, but I still had limits on my card, it made me default on some payments. It made me go negative on some payments, and I owe because of that. They stopped my card too and made me go to the bank to get another card..I went and the tellers didnt understand why I needed a new one and there was nothing wrong with it! No one knows anything there! My XXXX XXXXXXXX could do a better job! This isnt right! People starved and looked at me like I was a no good liar..I couldnt cook XXXX they stopped my XXXX orders in mid route too smh! 
At merchants like at stores I was also turned down because my card just wont disperse anything
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Treating these reporting items as unconfirmed information is unacceptable without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct them form my file immediately : PXXXX 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: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT INQUIRIES DOES NOT BELONGS TO ME, IVE CALLED TO THE REPORTING AGENCIES AND STILL NO RESPONSE. I SENT LETTERS AND STILL NO RESPONSE
Product: Money transfer, virtual currency, or money service

I am submitting a formal complaint against Cash App ( Block , Inc. ) regarding inadequate customer support and potentially unfair practices that may violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App did not implement timely or effective measures to prevent and address fraudulent activity on their platform, resulting in my account being left unprotected.

Additionally, their dispute resolution process appeared to lack fairness and transparency, failing to comply with the error resolution standards outlined in the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These shortcomings have caused me considerable inconvenience and financial harm, and I am seeking appropriate remedies for these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

Never open up a XXXX XXXX  credit card from XXXX to XXXX. This is fraud and theft. This is on my credit report from 3 credit bureaus and needs to be remove immediately. The account # on my credit report is XXXX.
Product: Student loan

Please see prior complaint number XXXX. 

The companies response did not address the issue. When submitting my application for an income driven repayment plan, I was required to state my current income, which is XXXX. I was then required to advise if my spouse has income, which she does so i marked yes. Further to that, I was required to provide the proof of income associated with my spouse, as we file a joint tax return, I provided the last tax return which contained the AGI Nelnet is permitted to use to determine my repayment eligibility. 

Their response to my prior complaint was to require documentation that is not required for income driven repayment plans. They also provided conflicting information as they are requiring POI for me which does not exist.

Now, I am late on my payment due to NelNet not properly handling my IDR documentation. Nelnet should cease any negative reporting on my account and accept the tax return previously submitted to them for processing my IDR plan. I will submit this same documentation again, as I have 3 separate times at this point. But expect NelNet to take no further action against my credit or collection of any currently outstanding amount not due.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681 ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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 ( il ) the information is, in fact, inaccurate. 
I can go on and on The credit bureaus have no respect for the laws Someone needs to hold them accountable for this
Product: Vehicle loan or lease

My car was being repaired, the parts were on back order for months and I was paying month to month on an extended lease. I decided to end the lease and turn the car in. I contacted XXXX XXXX at La XXXX XXXX and tell him of the situation, he told me he would get the car from the La XXXX body shop, so I took the insurance check to the body shop and talked with the manager and told him of the situation. He told me that GM doesnt want the car until it has been repaired and he would contact GM and the dealer that I was ending the lease, so I gave him the keys and walked away thinking it was taken care of. 
I received a call from GM financial in XXXX, asking about the XXXX XXXX that I turned in. I explained the whole situation to her, she said she would contact the body shop to clear it up. This happened in XXXX, XXXX and I think in XXXX, I asked the last caller if she can see the previous calls and she said she could, I then asked why this hasnt been taken care of? She told me she would. 
Fast forward to last week when I was purchasing a XXXX XXXX XXXX and couldnt get a loan below XXXX  % and was told by the finance manager that I have 4 flags on my credit rating from GM for non payment and most banks wouldnt touch my loan. Before this my credit number was XXXX or above. I called GM Financial and they told me it was my fault and that I should have contacted them, I explained to her about the body shop managers promise to contact them, after awhile she said they would open an investigation, also that I had to write a letter to them explaining everything and it could take 60 to 90 days to get an answer. I dont want to wait that long to fix something that should not have happened in the first place
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # 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 written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 my credit report was pulled without my consent as an attempt to open an account under US Bank. An account was not successfully established to my knowledge but this hard inquiry reflects on my credit profile and after contacting US Bank on more than one occasion they could not assist with resolving this matter.
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 proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX XXXX : {$240.00} ; XXXX XXXX Balance : {$29000.00}
Product: Student loan

Current student loan amount ( estimated ) {$200000.00} Original principle balance ( estimated ) {$89000.00}