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

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

formally request the immediate removal of fraudulent accounts from my credit report. I am a victim of identity theft, and I have already taken the necessary steps as outlined by the Federal Trade Commission ( FTC ). I have disputed these accounts with the credit bureaus and notified the respective creditors, including XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXXXXXX XXXX XXXXXXXX. 

Despite my efforts, I have not received any resolution, and I continue to receive calls from debt collectors regarding these accounts, which I did not authorize. I have filed complaints with the FTC and IdentityTheft.gov, and I have hired an attorney to assist me with this matter. 

I urge you to promptly investigate these accounts and remove them from my credit report. I appreciate your immediate attention to this serious issue.
Product: Credit card or prepaid card

COMENITYCAPITAL/XXXX Showing up in my credit bureaus and it was Fruad I want to remove that out of my three credit bureaus.
Product: Debt collection

Contacted by company on several occasions. Ive responded to every letter with specifics regarding the Identity theft, fraud, and police reporting. Now they threaten to sue for debt thats not mine. We will personally visit their office in XXXX and talk to XXXX himself if need be. counter suit will be filed if they proceed with this harassment
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, XXXX # XXXX, XXXX XXXX # XXXX, XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX  # XXXX, XXXX 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 items of information, other than records of convictions of crimes which antedates the report by more that seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX XXXX has been billing me since XX/XX/XXXX and have placed charge offs on my credit profile until XX/XX/XXXX. I have disputed this with the credit bureau on XX/XX/XXXX to no avail and as a result, my credit has been negatively affected because of the many charge offs that they have placed, and to add insult to injury, they placed another charge off for XX/XX/XXXX. 

I have never bought a single item from this business and they are fraudulently billing me for a debt that I do not owe. I do not contain any receipts, because like I mentioned before, I never bought a single item from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a Bankruptcy on my Consumer Report that must be removed. I have sent multiple letters to get this issue resolved and i continue to be violated and ignored. I sent letters to XXXX, Equifax, and XXXX. Along with that, I sent a letter from bankruptcy court and XXXX that stated they dont report any information, especially personal information to credit bureaus. Also, i sent the letter from XXXX XXXX to them that shows that the bankruptcy will deleted and removed from there data base. SO where are they getting this false information from to report?
Product: Money transfer, virtual currency, or money service

Zelle didn't provide standard operating procedures for money transfers no extra layer of protection and I would like to be added to the current lawsuit.
Product: Mortgage

We purchased a second home for our daughter. The original mortgage was with XXXX XXXX in XXXX, NC. The loan was made on XX/XX/XXXX. We were told that we could cancel the PMI when we had paid loan down to 80 %. The original purchase price was {$88000.00}. After our down payment of {$13000.00}, we financed {$74000.00} for 30 years. The following year, the loan was sold to Wells Fargo. As of today, XX/XX/XXXX, we owe approximately {$69000.00}. We have requested on two occasions to Wells Fargo to have our PMI cancelled. Wells Fargo sent a letter stating that we had to get to 65 % balance of loan to cancel our PMI. We hope that you will be able to assist us in this matter.
Product: Credit reporting or other personal consumer reports

Hello, there are items on my credit report that have resulted from fraud to which I never benefitted from I don't recognize these fraudulent inquiries nor have authorized them. I have contacted Experian and a representative told me that they would be deleted from my credit report but I still see it. I have also reported them to the federal trade commission but they are not removed from my report, it's adding unnecessary stress in my life.
Product: Checking or savings account

On XX/XX/XXXX, I received 4 emails from Bank of America where I already have a credit card. 

The emails were in regards to a new checking account application being submitted, my email address being changed, my phone number being changed, and my checking account application being under review. 

I did not do any of these things so I opened my BofA mobile app and started a chat. The chat representative gave me a phone number to call. I called the phone number and the person I spoke with said that she saw no issues with my account, no changes, and no new accounts opened. I saw the same in my mobile app. She said the emails were likely a phishing attempt and I should mark them as junk. She said she would notate my account. 

On XX/XX/XXXX, I received a phone call to my cell phone regarding my accounts at BofA. I was confused because I had been told already that there were no accounts opened or changes made. The woman who called said that they believe the new checking account I opened to be fraud. I explained that I had called on Thursday, XX/XX/XXXX and spoke to someone who said that no accounts were opened or changes made and she was going to notate my account. This CSR did not see any notes on my account and confirmed that there was an account opened in my name. I asked to see the application and asked what information the individual had of mine that they were able to open the account. The CSR said she could not provide me with any of that information, but I should assume that I am the victim of identity theft and follow appropriate procedures. That was all the information she provided. No resources, no attempts to assist, nothing. 

Since, I have found the steps on my own and followed them, but I find it concerning that BofA would not be obligated to provide me with the fraudulent application or at least provide me with the information that was used to open the account on my behalf. Since it was not, what information does the fraudster have? What information should I be protecting? What information is likely to appear at other financial institutions that I do not have a relationship with where accounts could be opened in my name? 

How can consumers prevent fraud or protect themselves if these quite large institutions are unable to or unwilling to assist? Shouldn't there be an obligation to provide consumers with the details of the fraud perpetrated against them? If billions of dollars each year are being lost to scams and fraud, wouldn't it be beneficial for FIs like BofA and others to provide even just the basics of information? Shouldn't they be required to have a team of individuals trained in how to handle these situations?
Product: Checking or savings account

In early summer of XXXX  I received a call from US Bank saying there was some fraud on my account in the amount of approximately XXXX. That fraud was blocked and the money was returned to my account. US Bank also issued me a credit card with a borrowing limit of XXXX. 
A few days later, when checking my accounts I noticed that all my money ( approx XXXX was gone and my account was at negative XXXX. Also, the credit card they had given me had been charged XXXX by the same people that committed the original fraud. I have tried extensively to have this problem fixed. US Bank has stopped taking my calls and refuses to reopen the fraud complaint. Im only trying to get my money back and be absolved of the XXXX in debt that I did not accrue.
Product: Credit reporting or other personal consumer reports

The credit companies are not complying with their own policies in a timely manner. I sent a letter XX/XX/year> informing them that the accounts are not mine. I received a system generated letter. I sent another letter XX/XX/XXXX and received another system generated stating that they do not believe it is me sending the letters. I have attached all personal information in letter to assure that I was the person sending the letter.
Product: Checking or savings account

I was victim of fraud but TD Bank is treating me like I was the perpetrator instead of the victim. I fell for an elaborate scheme that promised work from home. I cashed a check that cleared. I have learned the hard way clearing does n't mean the money has been verified. Days later TD Bank said the check was fraud but the money was withdrawn and paid to the " employer '' for equipment to work at home. Now it is my responsibility says both banks involved. TD has shown their true ways of business by caring more about themselves then their customers. I 've been a customer since it was called XXXX XXXX. This is my first issue and they treat me like garbage. I have called and called dozens of times and not one person has called me back. They promised to work with me because my direct deposits go to the bank and they would help by setting me up with a payment plan so I can live and also pay them back for being a victim now the responsible holder of {$3400.00} check. Not only have they lied to me about helping me. After calling so many more times, hey have applied my full paycheck to the amount owed and now tell me they wo n't help me by giving me any money but to add insult to injury they wo n't allow me to open another account without paying off " my debt '' to them. They also decided to pour salt in the wounds and " blacklisted '' me and have prevented me from opening up any other account with ANY bank. I am by far disgusted by this treatment and will not stop until some action is taken against the bank or have been provided with some assistance. Disgusted!!
Product: Credit reporting

I have several accounts listed with you that are fraudulent some of these companies such as pmab llc acct # XXXX have said they are removing these items as fraud as my idenity has been stolen but your credit reporting company has refused to remove it as such i have filed a fraud affidavit of identity theft and police report notarized the report also includes the email in which it was sent electronically with the named accounts that need to be removed immediately
Product: Student loan

Last year my student loans held by Key Bank were changed from being serviced through XXXX XXXX to XXXX. Yesterday, XX/XX/2019, I received a letter from XXXX informing me that one of my Key Bank loans had been moved to collections and I need to pay them a little more than {$21000.00}. Today, XX/XX/2019, I called Key Bank. They told me that one of my accounts with them had been cashed out back in XXXX due to lack of payment. This makes no sense as I've been making my monthly payments. Key Bank went on to tell me that they have records of attempting to contact me on the phone. I have received calls from them in the past, however, these were all automated calls regarding various times that I have occasionally been a little late with my payment. On all of these occurrences I made the appropriate payments via the XXXX website I was instructed to use and then the automated calls stopped. I have not received any other notices that I had any accounts in delinquency. In fact, both XXXX and Key Bank simply stopped sending me bills for the problematic account and it does not show up at all on the website I use for payments. I went on to call XXXX following my conversation with Key Bank as Key Bank instructed me to. They said that I had stopped paying that one account last XXXX. I asked them how that was possible since all my other accounts are up to date and they take a single payment from me to pay all of them. I was told that I'd need to speak to a supervisor about that, but they'd have to call me back because they're too busy. I'm currently waiting for their call back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX account listed on my XXXX XXXX, Equifax and XXXX credit report that opened on XXXX XXXX, XXXX and was lost/stolen. My XXXX credit card account has a balance of {$2500.00}, those transactions/charges are all fraudulent and unauthorized charges. The charges do n't belong to me. I have a fraudulent and unauthorized hard inquiry on my Equifax and XXXX credit report. The following hard inquiry is fraudulent and unauthorized : XXXX/XXXX XX/XX/XXXX. I XXXX XXXX, Equifax and XXXX to add and list the following phone number to my credit report : XXXX. Creditors is to call me first at either : XXXX or XXXX before approving or extending any credit offer.
Product: Checking or savings account

I had two unauthorized transactions on my robinhood XXXX debit card on XX/XX/2020 at XXXX est and XXXX est with {$3500.00} and {$1500.00} amount.I have noticed the issue as soonas possible I raised the dispute and case with robinhood at XXXX est on XX/XX/2020 ( ******* ) .I requested robinhood to act fast and block those transaction as those transactions were still showing pending but they did not act hence as of XX/XX/2020 both the transaction showing as posted and my hard earned of {$5000.00} which is my 6months of saving just went disappeared from my robinhood account. 
During this pandemic time I need that money back to my account so that I can withdraw it to use my medical bills and support my family. 
I have attached all the communication with robinhood and all the complaints I had raised for that along with the screen shot of the unauthorized transactions. 
Request you to please help me to get my money backas soon as possible and do let me know in case you need any further information. 
Below are the unauthorized transactions details and my robinhood account details. 

Account Number ( XXXX ) XXXX ( XXXX ) XXXX Unauthorized Transactions 1 : - XXXX XXXXXX/XX/2020- XXXX XXXXStatusPendingTimeXX/XX/2020TypeOnlineDescriptionXXXX XXXX, XXXX Unauthorized Transactions XXXX : - XXXX XXXXXX/XX/2020- $ XXXXStatusPendingTimeXX/XX/2020TypeOnlineDescriptionXXXX XXXX, XXXX
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 accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to request the deletion of the late dates of the disputed item from my credit report. Despite my attempts to have the inaccurate and incomplete reporting verified by your bureau, still the inaccurate information appears on my report. Upon contacting the relevant company, it was confirmed that an error had indeed occurred. Additionally, assurances were given over the phone that the account would be promptly updated. 
Your bureau is legally obliged to conduct a thorough and timely investigation of disputes, including a review of all pertinent information submitted by the consumer, in this case, myself. Both XXXX and XXXX have already rectified the inaccuracy of this account on my report. Please update the account below XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I put a dispute on my credit report with experian due to some credit cards being on my report that I didn't recognize. It is now XXXX, I have heard nothing back from them. The issue really lies here. I started a new job at the beginning of the month which requires me to use a program that needs identity verification. They use experian to verify client identities. Since I put the fraud alert in, they will not verify my identity which is putting my job at risk. I have tried calling experian but when I put my information in, they revert me to an automated machine that ends the call. I have tried every phone number I could find to call but I can not speak to a person. As a result I have sent 2 letters and filed out 15 electronic forms on their website. Every time I try and log into my account with them, they state that I need to call. Which then leads me to an automated system that disconnects the call. I have gotten 1 email from experian that is basically a copy of my credit report where I can interact with. The report has my FATHERS name and address and a couple of his credit card accounts. We have a very similar name. When I try and dispute his name being on my account it says " you must call in order to dispute this ''. Again, when I call they revert me to an automated system. 

Not only is experian going to cost me my new XXXX a year job that I just got out of college, they are also not letting me dispute serious issues with my credit report. There has been no way for me to get in contact with someone. It has been a month. They are holding my life hostage and they are causing me pain and making me lose money.
Product: Credit card or prepaid card

I opened a credit card with Elan Financial in XX/XX/XXXX because of the advertised 2 % cash back on all purchases. Within weeks they cancelled it and refuse to pay the advertised 2 % cash back. They are presently in violation of civil code XXXX and they also failed and refused to send written notice of the cancellation. 

On XX/XX/XXXX I received a letter ( dated XX/XX/XXXX ) indicating that Elan Financial " believe that you have fallen victim to a credit card scam '' and thus the account has been closed to any further activity. 
That day ( XX/XX/XXXX ) I called and indicated that there was no fraud, I was not scammed, and I would like my account reactivated. They said it would be reviewed and I would be called with the result. 
I received no further contact on the issue. 

I did subsequently receive two things : A statement dated XXXX which I paid in full. 
A letter ( received XX/XX/XXXX ) indicating that I should call to activate my card. 
I called ( on XX/XX/XXXX ) and over the course of several torturous hours I was informed of the following : On XX/XX/XXXX the account was reviewed and based on the pattern of spending Elan Financial chose to cancel the account. That decision is final. Furthermore, cash back will not be paid on a closed account. 
They do not believe that they need to provide written notice of cancellation and they do not believe they have to honor their 2 % cash back offer. 

I pointed out that this violates California Civil Code - CIV 1747.85 which states : Unless requested by the cardholder, no card issuer shall cancel a credit card without having first given the cardholder 30 days ' written notice of its intention to do so Now, their original XX/XX/XXXX account suspension for fraud is consistent with XXXX. 
However! There was no fraud and the subsequent cancellation on XX/XX/XXXX for the pattern of spending is in violation of XXXX. 

Simply put : They have cancelled my card for nebulous and specious reasons which they refuse to put in writing. They will not even put the existence of the XX/XX/XXXX cancellation in writing. Finally, they refuse to pay the 2 % cash back that induced me to open the card in the first place. 


Their argument : Elan Financial can close the account immediately without written notice regardless of cause. As soon as the cancellation decision was made on XX/XX/XXXX, all unpaid cash back became null and void. 
My argument : They can not close my account until 30 days after written notice of the XX/XX/XXXX decision per XXXX. Within that 30 days, I may withdraw my cash back and that is what I am seeking. My 2 %. 

Note : Please distinguish between the XX/XX/XXXX suspension for fraud and the XX/XX/XXXX cancellation for pattern of spending. One is legal but irrelevant. The other is a gross violation of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a collection account for {$500.00} was deleted from my 3 credit reports ( XXXX, XXXX and Experian ) do to non validation after sending a debt validation letter directly to creditor with no response. After reviewing my credit reports I noticed it had been Re-inserted on all 3 Credit Bureaus On XX/XX/XXXX. 

According to the FCRA 611, If any information had been deleted from a consumers file pursuant to subparagraph ( A ) the information may not be reinserted in the file, unless the consumer reporting agency shall notify the consumer of the reinsertion in writing not later then 5 business days after the reinsertion. 

As of today XX/XX/XXXX I have not received any letter of reinsertion.
Product: Student loan

I am submitting a complaint regarding a past due amount requested by student loan servicer, Navient. 

I applied for an Income-Driven Replayment plan before resuming payments on my student loans serviced through Navient. On XX/XX/XXXX, I received an email from Navient stating that they have approved my request. According to Navient, my IDR plan overview was as follows : Monthly payment amount : {$330.00} Plan begin date : XX/XX/XXXX Plan end date : XX/XX/XXXX On XX/XX/XXXX, I paid the full amount due as agreed by logging into my online account on the Navient.com website and submitting a payment of {$330.00} via bank transfer. The amount was posted successfully to my account on the same date. 

On XX/XX/XXXX, I receive an email from Navient containing " a snapshot '' of my monthly statement. According to the email, my total payment due was now {$360.00}. I logged into my Navient.com account and saw that I now have a past due amount of {$30.00}. 

Please note, I did not receive any communications from the company stating my account was past due, nor was I told that I owed $ XXXX/month instead of {$330.00}. 

I have attempted twice by phone and email to contact Navient and rectify the issue, but I have not heard back regarding a resolution.