23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I submitted a request to be put on a payment plan approximately once a month beginning in XXXX. As each month passed, I had not heard any confirmation that I would be put on my selected repayment plan, so I applied again. Finally in XXXX I scheduled a call - wait time of 2+ hours - to request over the phone that I be placed on my indicated repayment plan after having applied 4 other times. The representative did not understand why my requests had not been processed, but promised I would now be put on the plan I selected. Fast forward to XXXX, and I am still not on my preferred repayment plan. Additionally, I was notified that my loans were placed in administrative forbearance, and that interest would continue to accrue, and that the auto debit discount of .25 % from the interest rate of each loan would be revoked. There was no explanation of why my loans were placed in forbearance. I have applied for the repayment plan again but am skeptical anyone at MOHELA actually cares about my needs. It seems they are happy to take my money and provide no assistance or service in return, and in fact take additional action to squeeze more money out of me wherever possible.
Product: Debt collection

This company is constantly harassing me. Refuses to remove the item off my report when item was already paid off.
Product: Credit card or prepaid card

On XX/XX/2023, I received an email from Way2Go stating that my bank transfer had been successful. The email stated " Your request to transfer {$240.00} from your Way2Go Card to your bank account was successful. For more information or to request a new transfer, please dial the phone number on the back of your card. Please note a fee may apply. '' I did not authorize for {$240.00} to be transferred to my bank account. I quickly checked my bank statement online and noticed that {$240.00} had been transferred to XXXX with the transaction code XXXX. I was also charged a {$1.00} transfer fee. I do not know what XXXX is so I XXXX it to see if I could find a contact number for them, but I could just tell that they have prepaid cards. I had not made any funds transfers prior to XX/XX/2023. I have automatic transfer set up now to my XXXX XXXX XXXX XXXX bank account because I do not want my money stolen again. 
I called Way2Go on XX/XX/2023 at around XXXX XXXX to report the fraudulent charge and to cancel my card and request a new card. I was told that my card was cancelled and that I would get a new card in the mail. I also spoke with someone in the fraud department and explained everything that happened and she said that I would be receiving a form to fill out and mail back to them explaining the fraud. They said that I would have 14 days to return the paperwork. I received the form in the mail on XXXX XXXX, but the form was dated XX/XX/2023. I filled out the form and mailed it back on the same day I received it in the mail, XX/XX/2023. Up until today, XX/XX/2023, I had not heard anything back from them. I called the fraud department today to get an update on my fraud claim. I spoke to someone that told me that my claim was closed and that no fraud had been detected. He said that I was mailed a letter on XX/XX/2023, but I did not receive a letter or any communication from them after I mailed the fraud form on XX/XX/2023. I explained to the person on the phone that I did not authorize the transaction and asked what steps were taken to determine that the charge was not fraudulent. The person just told me that all I could do was fill out a police report and that they might be able to appeal the decision. I will file a police report and send it to Way2Go, but I should not have to do this. I am not sure that they even investigated my claim. I will take them to court if the {$240.00} that was stolen from me is not put back into my account and my claim is not investigated to the full extent.
Product: Checking or savings account

On XX/XX/year>, I discovered I had been a victim of another business wrongfully cashing my checks. I wrote three checks to my XXXX  company from my XXXX XXXX XXXX account. These checks were written from XX/XX/year> through XX/XX/year> and were all cashed and cleared in my bank account. I am being sued currently by my XXXX  due to them not receiving my money. To find out they were all endorsed by a firm called XXXXXXXX XXXX XXXXXXXX without my permission and XXXX XXXX XXXX knowing this, hence why they are suing me. They were illegally endorsed and deposited by this company and the financial institution that honored these checks is Truist Bank. My bank, XXXX XXXX has sent over my case to Truist and I now need assistance getting my funds back due to their errors. They should have never honored these checks that this company cashed when they were not made out to them nor endorsed by them to cash.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , Inc. ) due to their inadequate customer service, unfair practices, and failure to comply with federal consumer protection laws, including the Consumer Financial Protection Act ( CFPA ), the Electronic Fund Transfer Act ( EFTA ), and Regulation E.

Failure to Address Fraud and Protect My Account CashApp failed to take timely and effective measures to prevent and address fraudulent transactions on their platform. Despite their responsibility to implement adequate fraud prevention and consumer protection measures, my account was left vulnerable and unprotected, resulting in unauthorized transactions that caused significant financial loss and inconvenience.

Unfair and Deceptive Dispute Resolution Process When I attempted to dispute fraudulent transactions, CashApps dispute resolution process was unfair and deceptive. The company failed to comply with the error resolution procedures required under EFTA and Regulation E, which mandate that financial institutions investigate and resolve disputes promptly and fairly. Instead, CashApp : Provided delayed, insufficient, or misleading responses to my inquiries. 
Did not conduct a thorough investigation or provide a reasonable explanation for their decision.

Denied my dispute without proper justification, failing to adhere to consumer protection laws.

These actions demonstrate a lack of due diligence and disregard for regulatory obligations, leaving me without a proper avenue for recovering my lost funds.

Violation of Consumer Protection Laws and Demand for Redress CashApps practices constitute unfair, deceptive, and abusive acts under the Consumer Financial Protection Act ( CFPA ). The companys failure to protect consumers from fraud, refusal to adhere to error resolution standards, and inadequate customer support have caused substantial inconvenience and financial harm.

I seek appropriate redress for the violations committed by CashApp, including a full refund of the disputed transactions, a thorough review of their dispute resolution policies, and corrective actions to ensure compliance with CFPA, EFTA, and Regulation E. I urge the CFPB to investigate these systemic issues and take necessary enforcement actions against CashApp ( Block , Inc. ) to prevent further harm to consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

What happened? 
RE : Social Security Number : XXXX-XXXX-XXXX  / To Whom It May Concern, In XX/XX/2018 I disputed an account reported by XXXX/XXXX  Account # XXXX in the file maintained by TransUnion LLC under my Social Security number. I was informed in or around XX/XX/2018 that the item was deleted from my credit report after I disputed it. Now I have discovered that the item has been reinserted on my credit report by C/O XXXX XXXX XXXX XXXX   XXXX XXXX Also showing as XXXX XXXX XXXX ( on my XXXX  Report ) under account # XXXX referencing XXXX XXXX. I am aware in accordance with the requirements of the FCRA Section 611 ( a ) ( 5 ) ( B ) ( ii ), they are to notify me of the reinsertion in writing within 5 business days, however this is being inserted over a year later. I understand the requirements that this be reported to the consumer within 5 days but subparagraph ( A ) states if authorized but the consumer for that purpose, by any other means available to the agency. This account was throughly investigate and proven to be opened via fraudulent activity and XXXX/XXXX  was given ample time to respond to the evidence submitted to them. XXXX  deleted this erroneous account - which was also reported previously to the Consumer Financial Protection Bureau. FDCPA section 807 ( 8 ) and FCRA section Section 623 ( a ) ( 3 ). Makes clear that these agencies and debtor have 30 Days to respond to my dispute - not a year and 30 days, I disputed and had this account removed over a year ago after being proven inaccurate, unverifiable, not mine, and incomplete. The reinsertion of a legally disputed and deleted item under a debt collectors company on behalf of the same creditor is completely illegal and I hereby demand that it immediately be re-deleted from my credit report. It is a blatant violation of the FCRA & FDCPA I am reopening and submitting my compliant separately the Attorney Generals Office, and the XXXX. XXXX XXXX XXXX-XXXX-XXXX  XXXX  XXXX XXXX XXXX, XXXX MA XXXX
Product: Credit reporting or other personal consumer reports

n 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 number : XXXX Reporting an inaccurate late payments on XX/XX/, XX/XX/, XX/XX/. 
Account name : # XXXX XXXX Reporting an inaccurate late payments on XX/XX/, XX/XX/, XXXX 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 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: Credit reporting or other personal consumer reports

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed an account that I wanted a little more explanation on. According to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it's supposed to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This account XXXX XXXX is not complete and it's not accurate. 

I had placed a call into XXXX XXXX  back in XXXX of XXXX and spoke with a customer service representative to ask if they could work with my monthly payment due to a decrease in income due to XXXX and the pandemic. They stated that they could offer a plan to break up the payments and defer some payments. I asked if this would negatively impact my credit and I was assured that it would NOT. I had not realized that months later they continued to report my account late. This was after assuring me on more than one occasion calling in that they would not be reporting anything late to the credit bureaus. I was shocked to find that they still did ( they reported a balance of {$4300.00} as well as several 30 day lates and a charge off ) given the unforseen circumstances with XXXX and my huge loss of income at the time. 

The result of this has greatly reduced my credit score and has put a hinderance on me and my family purchasing our new home. I feel I was poorly communicated to and was very misled on the outcome of my deferment after being VERY well assured that this would not impact my credit. 

I sent a letter on XX/XX/XXXX, asking them to reinvestigate this account and here are my tracking numbers : XXXX and XXXX I got the investigation back but noticed nothing was modified or updated. I requested a description of the investigation and they did not provide it to me which is a violation of 15 USC 168117.
Product: Debt collection

The company I am filing a complaint against is ARS Collections ( Advance Recovery System ). I received a letter from ARS collections on Thursday XX/XX/2020 with the intention of collecting a debt that I am not responsible for. On Friday, XX/XX/2020 I contacted ARS collection and spoke to a representative. I explain that this is not my debt and it was sent in as if I accumulated the debt. He said there wasn't anything they could do, they just go by what was sent in to them. I would have to talk to XXXX XXXX XXXX XXXX. I asked to speak to a higher authority, left a name and number, but hasn't received a return call as of yet. The Nursing Facility " XXXX XXXX XXXX XXXX XXXX took my mom in under false pretense. Her attending Physician recommended that she go to this facility for 90-100 days of swing bed care. They tried to sign her up for long time  nursing home. When we were suddenly aware that they was not providing swing bed care we took her out. The administrator told me that since I was taking her out that I was going to have to pay the bill. Being very vindictive, she said that I was going to have to pay the bill or she will garnish my check. She sent unofficial statements twice a month with handwritten messages. Finally she sent my name to the collection agency as if this was a debt accumulated by me. Now ARS is jeopardizing my credit with my mother 's bill which was suppose to be taken care of by Medicaid and Medicare. the statement from ARS is in my name, with my addres and the bill is {$9100.00}. The attachments clearly shows that these are not my bills. I am not my mother 's power of attorney and I am not responsible for her bills.
Product: Credit reporting

An account on my credit file is not of my own doing. Unbeknownst to me XXXX XXXX placed me onto her credit cad with XXXX XXXX as an authorized user in which she opened XXXX XXXX, 2016 with a credit line of {$3000.00}. I contacted XXXX XXXX and had myself removed and advised I need this information removed from my credit file and was advised it would not be reported if I wee removed immediately. I explained to them I never asked for this and was not aware of this. I also contacted XXXX, XXXX and TransUnion and was advised to contact the creditor. I am being told by the credit bureau to contact the creditor while the creditor says contact the credit bureaus. I want this removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an apartment at XXXX XXXX on XX/XX/2018 and I was denied the apartment based on the information given to them by RealPage.com AKA Leasingdesk.com. They reported to the apartments that I had a judgement for {$1100.00} for rent and that I owed an additional {$490.00} for unpaid rent. I paid the rent that my deposit did not cover to XXXX but they are still showing the judgement is owed of {$1100.00} and that I still owe XXXX {$490.00}. I asked about the timeframe of when this erroneous information would be fixed they gave me not ETA and said that it could take an uncertain amount of time to get my rental history corrected. My case number for this dispute with them is XXXX and I have spoke to several agents that will not give me a time when this information will be corrected
Product: Debt collection

Reference to last compliant XXXX Creditor and or company took action to hurt my credit XXXX Sunrise XXXX XXXX XXXX  XXXX Credit this was already deleted and wax resolved however Company failed to provide proper information and also put pa 's due balance and new account dated on XX/XX/year>. 
Please refer new complaint and also take action against this credit as they are damaging me financially.
Product: Credit reporting or other personal consumer reports

This personal information must be corrected as soon as possible.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX # 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 record of conventions 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: Credit reporting or other personal consumer reports

XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute of Incorrect Accounts on My Credit Report Dear Consumer Financial Protection Bureau XXXX XXXX am writing to formally dispute the continued reporting of incorrect and unauthorized accounts on my credit report by XXXX and Equifax. Despite my previous disputes, these credit bureaus have failed to remove accounts that do not belong to me, which is negatively impacting my credit profile. 

One specific account that should be removed immediately is : Creditor : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This account does not belong to me, and I have no affiliation with it. I am requesting an immediate investigation into this matter and the permanent removal of this and any other unauthorized accounts from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and fair reporting. The continued presence of these accounts on my report is a violation of my rights and has caused unnecessary harm. If this matter is not resolved promptly, I may be forced to escalate my complaint further, including seeking legal remedies. 

Please provide me with written confirmation once these accounts have been removed. I appreciate your prompt attention to this matter. If you require any additional information, please contact me at the address, phone number, or email listed above. 

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

Take a moment to review the attached documents. I am formally requesting the removal of this account, as it is not associated with me, and its inclusion on my credit report is causing profound disappointment.
Product: Credit reporting or other personal consumer reports

I have contacted and made previous complaints with with CRA 's about XXXX XXXX reporting incorrect info with them. I have asked for who was spoken to and physical proof with name numbers etc. This information was not given to me only that they allegedly contacted them and verified everything was correct and accurate which it is not. All information across all CRA 's are different, which is putting me at risk for identity theft which goes against FCRA 15 USC 1681. this is also defaming my character by reporting false and inaccurate information. XXXX has reported that the account is closed but is still reporting information defaming my character.An account is supposed to be charged off after 120 days and closed. A charged off account is not to be reporting any amount due if it was charged off and wrote off and filed on that company 's taxes with a 1099 C form which legally is used to cancel out a debt of XXXX dollars or more and the copy B is to be sent to the consumer. I would like this matter resolved in the said amount of time by law according to FCRA 15 USc 1681
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 XXXX XXXX : XXXX XXXX & XXXX : 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 an account without my written instructions.

15 U.S.C 168c. ( 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: Credit reporting or other personal consumer reports

Please remove the following personal information from my report as it is hurting me and my family.
Product: Credit card

I have a Best Buy credit card with Citibank as the underwriter. Citibank has sent notices that state they are charging a late fee of XXXX $ despite the CARD Act 2009 that clearly indicates late fees can not exceed XXXX . I have told them this repeatedly but nothing has changed. Furthermore, I have been told that they are removing my late fees only to later find that the late fees have not been removed and Citibank then charges me another late fee on top of the previous late fee. This deception and fraud has been going on since XXXX XXXX
Product: Credit reporting or other personal consumer reports

violation of section 604 15 USC code 1681B. Please remove from my credit report XXXX XXXX XXXX  XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$530000.00} - Late/Open- XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Late/Open XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : XXXX XXXX Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$260.00} - XXXX XXXX XXXX XXXX XXXX XXXX I XX/XX/XXXX