23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$14000.00} ; XXXX  XXXX XXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Mortgage

We paid our state property taxes of {$1800.00} in XX/XX/XXXX per advice from our CPA, and instructed our mortgage holder, US Bank, by fax on XX/XX/XXXX to not make that payment when it was due from our escrow account. They paid the state property taxes despite our instructions, resulting in a double payment. The county would only refund the overpayment to the bank, who was then supposed to return it to us. We have been attempting to get that refund since we discovered the error on XX/XX/XXXX. Representatives from US Bank have repeatedly said by telephone that they were issuing a work order to send a check for the refund. A senior representative stated by telephone on XX/XX/XXXX that the work order was not completed properly, and promised a return call on XX/XX/XXXX. We did not receive that call. We then called again on XX/XX/XXXX, and after 45 minutes on the phone finally got a promise from the call center supervisor that she would expedite the payment and follow up with us. After numerous calls and months of attempts, we are hoping that we will finally get a refund of an amount that should never have been paid by the bank. US Bank has held our money for an extended period of time and have made no effort to resolve the situation.
Product: Money transfer, virtual currency, or money service

I am filing this 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 redres : for these violations.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of certain accounts reported on my credit report which was recently provided to me by your agency. Upon reviewing my Experian report I found that several accounts which have already been blocked or removed from my credit report with other bureaus ( namely XXXX ) are still being reported to Experian. 

The accounts in question have already been blocked or deleted from my credit reports with XXXX, likely due to prior errors, fraud prevention measures, or updates in reporting criteria. Given this, I believe that their continued presence on my Experian credit report is an error and violates the XXXX requirement for accurate and consistent reporting across all bureaus Below are the details of the unauthorized accounts and inquiries I have identified : 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/year> I respectfully request that you XXXX. Investigate the accuracy of the accounts still reporting on my Experian credit report. 
XXXX. Verify that these accounts were indeed blocked or removed from my reports with XXXX. 
XXXX. Remove or correct the accounts on my Experian report if they are no longer valid or should have been removed in line with the updates from other bureaus.
Product: Debt collection

Good Morning and how are you doing during this pandemic? Listen, I was shocked when I reviewed my credit report and found this derogatory account in my credit file. I've attempted so many times to reach out to this company but they refused to provide me any details. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account. If you wish to send me documentation that you will remove this account from my credit report, that is all I will require. Otherwise, please provide me with your documentation showing that this account does indeed belong to me. Please send me copies of the contract used to establish the account with my signature on it. Pursuant to the above referenced Title Section ( e ) ( 3 ) : I will expect a written reply within the required 30 day timeframe.
Product: Checking or savings account

In XX/XX/XXXX, I found out I couldnt login in to my online banking, so I tried reach customer service, but they told me there is a hold and can not tell me why and what happened. So I go down to my home branch, and I spoke to the branch manager, he said will help me find out what happened and whats going on. The same day afternoon I received a call from the branch told me that my account will expect closure and they will not able to provide any reason, and about the money that still in my checking account, they said they dont know, and said there is no number I can call or can ask when I will get my money back. Also I have a secure credit card account I put down XXXX deposit and dont know when will be refund to me. They just tell me wait for the mail. They will mail me the check but there is no date or any information. Until now no one contact me and no mail coming to my house. All my money left over its inside I dont know how to pay my bills and my rental payment, I want my money back.
Product: Credit reporting or other personal consumer reports

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
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: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute Under 15 U.S. Code 1681e and 15 U.S. Code 1681i Dear Sir/Madam, I am writing to formally dispute the accuracy of information contained in my credit report as provided by [ Credit Bureau Name , if known ]. The disputed information pertains to the account listed under DENEFITS LLC, with the account number ending in XXXX. 

According to 15 U.S. Code 1681e, credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. Additionally, under 15 U.S. Code 1681i, I have the right to dispute inaccurate or incomplete information in my credit file and have it corrected or deleted.

The specific inaccuracies I have identified are as follows : 1. **Balance Amount** : The reported balance of {$880.00} does not reflect my actual account status. 
2. **Payment History** : The account history indicates a status of " Over 120 Days Past Due, '' which is incorrect. My last payment was made on XX/XX/XXXX, and the account should not be reported as past due. 
3. **High Credit Limit** : The high credit limit reported as {$870.00} is inaccurate. The correct high credit limit should be {$590.00}.

I have attached a copy of my credit report and highlighted the disputed items for your reference. I request that you investigate these discrepancies and correct the inaccuracies in my credit report as required by law. 

Please provide me with written confirmation of the results of your investigation and any corrections made to my credit report. If the information is found to be inaccurate or can not be verified, it must be deleted or corrected promptly. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,
Product: Checking or savings account

There was a promotion by the bank for {$500.00} if consumer has XXXX direct deposit to the XXXX checking account totaling {$5000.00}. This has been completed by me and the bank statement reflects this ( XXXX deposits with XXXX ID ). However, the company has refused to release the bonus due to a coding error on their end not recognizing my deposit as " direct deposit ''. I reckon that this is the bank 's issue and does not change the fact that those were direct deposits. They have refused to release the bonus until I made XXXX more direct deposits.
Product: Debt collection

The company Convergent Outsourcing , Inc. been violating the law causing several damages to me difaming against me reporting an account with a different social security than the one that I have to my credit report. Please see the attached letter and documents
Product: Checking or savings account

I download the TrueBill app, and deactivated my account after 2 days. Since then they have taken money out of my personal checking account numerous times adding up to over {$500.00} in charges. I shouldn't have been charged anything, and if anything it should have been a one time small fee ( Under {$7.00} ). There isn't a customer service line. I've tried live chat, with no reply. I've tried social media and activating live chat on social media with no response. I've tried emailing, no response. I'm not sure what else there is left to do.
Product: Money transfer, virtual currency, or money service

Per my request, an outgoing wire transfer of ( USD ) {$100000.00} was debited from my account on XX/XX/2021 at XXXX XXXX ET. 

The address associated with the banks routing number was different than what I was given by the company, furthermore - the address associated auto populated and I was unable to change it on my end. I called the associated bank and they reassured me that the address that populated was synonymous and would work for the transfer. Per the instructions that the company gave me - reference number instructions, etc - everything is accurate on my end. 

Per the companies website, <<What is the timeline for sending a wire, and how soon will I get it? 

When depositing a wire, you can refer to the timeslots below to indicate when you can expect the wire to be processed and applied to your account : Deposits/disbursements created BEFORE XXXX XXXX ( Pacific Time ) The wire will be processed the same day. 

Deposits/disbursements created AFTER XXXX XXXX ( Pacific Time ) The wire should process on the following business day. 
Deposits initiated on non-business days/hours : All Wire Transfers authorized during the weekend or holiday will be processed for delivery on the next available business day. 

How long will it take for my wire to arrive in my account? 

Generally, wire transfers will take a maximum of 3 business days for the deposit to arrive in your Binance.US account. If you do not receive your wire transfer after the third business day, please contact Support. >> I have reached out to the company and banks multiple times. It has now been 9 business days since this happened with nothing more than an automated message that they are looking into it.

No one has returned my emails or calls. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to you guys on last year regarding some items on my credit that were not mine. There are still a some items that are not mine and needs to be removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX. I have reached out to the FTC and local police regarding this. I am doing this on my own behalf.
Product: Debt collection

I currently have a credit monitoring service. I was alerted that the company Ad Astra Recovery Service reported a decreased my balance by {$1.00}. I have idea who this company is and have not received any correspondence via mail or email from them. They are reporting that the balance was reduced by {$1.00} but I have not paid this company anything. It is really unfair for them to be reporting on my credit report like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was approved for COVID forebearance in XX/XX/XXXX. Despite the COVID forbearance program being extended into XXXX, Navient is using the IBR recertification process to kick people like me out of the program and charge excessive fees. There is no where on the Navient site to request remittance to the program. 

Navient only allows borrowers to view messages sent from the company up to 2 years ago so all of the messages related to my COVID forbearance blocked to me. My income after expenses is XXXX per the most recent tax year. Navient acknowledged receipt of my IBR certification and choose to continue increasing the amounts for Interest and Late Fees despite the COVID relief forebearance. They have capitalized the interest several times over the past two years inflating my balance by XXXX  XXXX dollars. 

Row Labels Sum of Fees Sum of Interest ADJUSTMENT XXXX XXXX CAPITALIZED INTEREST XXXX XXXX LATE FEE XXXX XXXX PAYMENT XXXX XXXX Grand Total XXXX XXXX Their customer service agents pretend that COVID forbearance does not exist. They have increased the aggressiveness of their collections as well harassing family members. 

As a result of the continued delinquency report, my credit score has plummeted over 200 points forcing other creditors to reduce my available credit further adding more stress. Navient continued harassment has caused a measurable negative impact on my XXXX health which I have documented with my family doctor. My wife is XXXX  who is now unable to work after the COVID pandemic significantly reducing my income.
Product: Student loan

Dear Dispute Department, I am writing to formally dispute the reporting of student loan accounts associated with Nelnet on my credit report. These accounts are inaccurate and unenforceable due to severe legal violations involving breaches of privacy and federal law, including the Family Educational Rights and Privacy Act ( FERPA ), the Privacy Act of 1974, and the Higher Education Act. 
It has come to my attention that my personal information associated with these loans was improperly accessed by unauthorized third parties, including XXXX XXXX and/or his affiliated entities. This unauthorized access constitutes a breach of my privacy rights and voids the validity of these debts. 
Disputed Accounts : Nelnet, Account # XXXX Legal Basis for Removal : 1. FERPA Violation : The improper handling and unauthorized disclosure of my educational and financial records violated FERPA regulations, which protect the privacy of student loan borrowers. 
2. Privacy Act of 1974 Violation : The exposure of my personal information contravenes the protections guaranteed under the Privacy Act, requiring federal contractors and loan servicers to safeguard borrower information. 
3. Breach of the Higher Education Act : The mishandling of my student loan information and unauthorized transfer without proper consent breached federal obligations to maintain the integrity of educational loan servicing. 
Given these violations, the continued reporting of these accounts is inaccurate and harmful to my credit profile. 
Requested Resolution : I formally request that these : 1. Immediately remove all references to these student loan accounts from my credit report. 
2. Provide written confirmation of the removal within 30 days. 
Failure to address this dispute in compliance with the Fair Credit Reporting Act ( FCRA ) may compel me to pursue legal action. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit card

On XXXX XXXX, 2014 I ordered medical products from XXXX XXXX XXXX in XXXX, Florida, totalling {$4900.00}. Within an hour or two I called back to cancel the order. The next day I received the order anyway. I made numerous attempts to contact the company, and left messages, but was never called back to resolve the issue. I never opened or used any of the product. 
I filed a dispute with U.S. Bank and was given a temporary credit on XXXX XXXX, 2014. I was told by U.S. Bank it would be taken care of, but on XXXX XXXX, 2014, U.S. Bank reissued the charge against my account. I have called on numerous occasions, each time being told it would be taken care of. Now, nearly a year and numerous calls to U.S. Bank later, I was told that U.S. Bank was not able to get a refund from XXXX, and there was nothing more they could do for me. Now I have no product after returning it to XXXX 's XXXX XXXX, and no refund. I have carried that {$4900.00} balance on my Visa card since, and have been accruing interest since XXXX 2014. 
This should never have been billed to my credit card in the XXXX place, as I cancelled the order, but now it 's beginning to affect my credit score when I 'm trying to purchase a house. 
Please help me in having this fraudulent charge and accrued interest removed from my credit card account and my credit report.
Product: Credit card

Hello. 

I booked for room at XXXX XXXX through XXXX for {$480.00} ( XX/XX/XXXX ) Booking was DENIED and REJECTED by Citi XXXX. 
I called Citi XXXX to unlock Citi XXXX XXXX. 
I was told I could use it for new booking. 
I had to book for room at XXXX XXXX through XXXX for {$480.00} ( XX/XX/XXXX ) I am disputing billing for XXXX for {$480.00} because booking was DENIED and REJECTED by Citi XXXX, which required me to book again with XXXX. 

Citi XXXX is unwilling to accept that the problem lies with Citi XXXX 's process and procedures as per letter dated XX/XX/2025 Case ID = XXXX
Product: Credit card

I was charged a foreign transaction fee of {$14.00} on XX/XX/year> even though it was never disclosed that I would be required to pay a foreign transaction fee. Ive never paid a foreign transaction fee on a credit card transaction. Chase refuses to waive the fee.
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.

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. 

XXXX XXXX  XXXX Account # XXXX has violated my rights XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX  Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights XXXX XXXX  # XXXX has violated my rights XXXX XXXX  Account # XXXX has violated my rights XXXX  Account # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX XXXX # XXXX has violated my rights XXXX XXXX # XXXX has violated my rights XXXX XXXX # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX XXXX  Account # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights unknown Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights
Product: Debt collection

I am having financial difficulties and National Credit Adjusters continuously calls my cell and work phone. I have asked that they not call my place of employment because we are n't allowed personal calls and the calls are recorded, but they continue to call.
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 {$12000.00} has violated my rights.

1

5 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to the Credit Reporting Agencies to remove the the fraudulent accounts and information from my Credit File in accordance with the Fair Credit Reporting Act section 605b. I am now submitting a CFPB complaint regarding the same fraudulent items on my credit report. I have discovered several items on my credit report that I did not authorize or participate in. These items are damaging my credit score and causing significant financial harm. Specifically, the fraudulent items on my credit report include a credit account that I did not open, as well as several charges and loans that I did not initiate or receive. The total amount of these fraudulent items is significant and has had a negative impact on my credit score. I need the following items removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX Balance : {$8000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I already disputed these items and yet the Credit Bureaus still indicate these items on my Credit File as if these items have been verified. If the Credit Bureaus believe that the disputed items legally belong to me, I request that they send me copies of documents to support such claims. In the absence of such documents, immediate removal of the disputed items is to be expected.