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

**Subject : ** Formal Complaint Regarding Unauthorized Transactions, Lack of Resolution, and Additional Fraudulent Activity **To Whom It May Concern : ** I am filing this complaint regarding unauthorized transactions and the mishandling of my account by CashApp, resulting in significant financial loss and continued delays in resolving the issue. 

On XX/XX/year>, my CashApp account was hacked. The hacker linked their own email, unlinked mine, and repeatedly changed the PIN while I was in contact with CashApp support. Despite being assured by CashApp that my account had been frozen, the hacker still linked a debit card and withdrew {$980.00} at XXXX XXXX  and {$700.00} at XXXX XXXX  on the same day. 

Further investigation revealed additional fraudulent transactions that had taken place before XX/XX/XXXX. These include {$20.00} on XX/XX/XXXX, {$30.00} on XX/XX/XXXX, and {$70.00} on XX/XX/XXXX. All funds were withdrawn to the same debit card, indicating that the hacker had been accessing my account for at least a month prior to the date I first noticed. 

A police report was filed on XX/XX/XXXX when I realized that my funds were being stolen. The individual responsible has been identified and now has a warrant for their arrest. 

For the first two weeks after the breach, I contacted CashApp daily. Despite these efforts, no resolution was provided. An FDIC officer completed an investigation and submitted a report. I was also repeatedly told by CashApp representatives that I would receive an email with instructions on how to withdraw the refunded money. However, this email has yet to arrive. 

I am requesting the immediate return of the {$1800.00} that was fraudulently taken from my account, along with compensation for the inconvenience and delays caused by CashApp 's failure to act in a timely manner. I also request improvements to CashApp 's security measures and customer service. 

Sincerely, XXXX XXXX
Product: Student loan

After my loan defaulted, and it went into defaulted payments it was n't explained as well when Navient took over my loan again they put additionally interest rate, making again my payments higher than able to afford, almost wanting me to default again. Additionally I made a payment to the department of education, and it was n't given notice notice Navient had taken it over, so I called explaining I had made this payment already to the department of education Navient representatives told me all I had to do was show proof I made the payment and Navient would take care of this I was told this 3x I provided proof from my bank and now they are telling me I have to recover the payment from the department of education. Now I still have a late payment and it appears again they want me to default.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX ITEMS IN DISPUTE : Late Payment XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Collection/Charge Off XXXX XXXXXXXX XXXX XX/XX/XXXX {$330.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$3500.00} XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$2500.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$3000.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$2300.00} Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX Employers XXXX XXXX XXXX XXXX Employers : XXXX XXXX Employers : XXXX XXXX Employers : XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Immediate Resolution Violation of Federal and Texas Laws Dear CONSUMER ADJ, I am writing to formally address a clear violation regarding the unauthorized reporting of information to my credit report, as defined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), 1681s-2 ( a ), and the Texas Finance Code under Sections 392.301 and 392.305, as well as Texas Penal Code Section 32.51 , which pertains to identity fraud. 

It has come to my attention that CONSUMER ADJ has engaged in the unauthorized reporting of information to my credit report without my explicit consent. As mandated by federal law under FCRA Section 1681b ( a ) ( 2 ), consumer consent is a legal prerequisite for such activities.

Furthermore, Texas law under Section 392.301 of the Texas Finance Code prohibits the reporting of consumer credit information without proper consent. Additionally, Section 392.305 provides specific regulations to ensure fair and accurate credit reporting practices. Texas Penal Code Section 32.51, which addresses identity fraud, further highlights the serious legal consequences of unauthorized access and use of personal information. 

I have not provided consent for CONSUMER ADJ to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights under both federal and state law, potentially causing harm to my credit and reflecting a blatant disregard for the legal protections afforded to consumers. 

I hereby demand that CONSUMER ADJ immediately cease all unauthorized reporting of information to my credit report, as required by FCRA Section 1681b ( a ) ( 2 ) and the relevant provisions of the Texas Finance Code ( Sections 392.301 and 392.305 ). If this issue is not resolved within 30 days, it will be considered a willful violation of the law, subject to penalties, including those outlined under Texas Penal Code Section 32.51 for identity fraud.

Obtaining consumer consent is not optional ; it is a legal obligation. I expect immediate action to rectify this situation and bring CONSUMER ADJ into compliance with both federal and Texas state laws, which protect consumers from unauthorized and damaging credit reporting practices. 

This notice is given in good faith with the expectation that CONSUMER ADJ will swiftly correct these violations and respect my rights under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters I have also disputed the information thru the company and they have not removed them or sent me any written consent to me giving them permission to report these inquiries XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am writing this letter to disclose the services were not rendered to me on or about XX/XX/2021. XXXX XXXX XXXXXXXX deducted a total of {$4400.00} out my account ending in XXXX, when I arrived for my appointment it was canceled. I had a XXXX XXXX completed on XX/XX/2021 per my XXXX request. This procedure required a medical clearance from my physician which she had stated I was in fact cleared. I have attached the letter. Even in goals contract ( see attached ) this condition isnt not a reason to cancel an appointment. Goals have list the reasons to cancel an appointment there for the reason was not listed. I believe my appointment was canceled and my money was stolen and applied to someone else account. This clinic is operated by unregistered employees that are not medical assistants who doesnt have a license with the State of Georgia. I asked to see credentials and was asked to leave. There were unsanitary bags outside of the trash cans. This company is a scammed and I have read when clients appointments have been canceled multiple times and money was stolen and never returned. Bank of America has received my documentation and they will not issue a temporary credit for the fraudulent charges on my account. I am not being treated fairly. My account was drained and I literally dont have anymore money.
Product: Credit reporting or other personal consumer reports

I sent my dispute a months ago. but untill now thw following accounts and inquries still on my report. I try several times to fixed this issues on my report please make an action delete them all now. i file my ftc complaint and attach it here for proof of frauduent Please delete the following items on my report Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681 Account Name : XXXX XXXX  # XXXX Account Name : XXXX & XXXX XXXX XXXX XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX  # XXXX Has XXXX XXXX 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 the following information items. 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 card or prepaid card

My account was opened on XX/XX/XXXX. I didn't receive my credit card. 2 weeks later I got a bill from them for {$75.00} for the annual fee. I didn't pay it because I didn't have the card. Then 3 weeks later, they sent me another statement wanting the {$75.00} plus the late fee. This kept going on for a couple of months. Then on XX/XX/XXXX I found the credit card on my credit report in the amount of {$350.00}. I never used the card or activated the card because I didn't have it. So why did they continue to charge my card?
Product: Student loan

Not given feasiable options and icrease loan amount without assistance to consolidate or adjust crippling payments
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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 filed a dispute on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX due to inaccurate reporting. Equifax denied to follow up with the investigation. I was recently notified that CFPB has filed a lawsuit against the company ( Equifax ). They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation. Equifax has not attempted to remove, nor correct any information. I'm requesting that this derogatory removed be removed or corrected immediately as its 's affecting my chances of getting ( house, car, etc. ). Equifax violates my right as a consumer, as well as federal laws
Product: Debt collection

Reposs my Vehicle on the job with deceptive and abuse tatics which left me in fear and then decided to respond after with large some of down payments and monthly payments being paid three times the value of the vehicle within five days and dont want to do agreement in writing
Product: Credit card or prepaid card

I called in on XX/XX/2020 and spoke to several customer service representatives that provided an unsatisfactory experience. I initially called in because I was notified of a conversation survey request from a dialogue on XX/XX/2020. I informed the first representative XXXX, that I did not make a call nor speak with anyone on the XXXX. She mentioned that there was a note on the account from the investigation team. She mentioned that I needed to upload my ID along with a selfie photo, calling the process the selfie verification. I had never heard of this, nor received a notification about this. She mentioned that this process was in the card holders service agreement, I asked where it was, and her responses were aloof. I asked for a supervisor, and she claimed that there werent any supervisors available. 

I called back and spoke with XXXX, I told her that my card was not working, and she mentioned that it was inactivated on XXXX XXXX, 2020. She mentioned that the offline department tried to reach me for verification. She proceeded to inform me about the selfie verification, I asked her if this process was in the card holder service agreement. Her response was that she did not know, and that it probably was. I informed her that I looked for such a process, and it was not there. Her immediate next move was transferring me to the fraud department. Then the call dropped and was never connected to the fraud department. 

I called back and spoke to a third representative, who I requested to make a formal complaint of the intentional vexation regarding my account. The representative, apologized, and asked if she could help. I asked for a copy of the complaint, she assured that she would take care of it. She proceeded to inform me about this Selfie verification process, that was needed by some backend department. I asked, why was it necessary, since I provided all requested documentation through the state. She mentioned that they have separate verification process, and my account was flagged because I changed my mailing address. Suddenly, the call was transferred to a survey line. 

I spoke with a supervisor XXXX XXXX XXXX, and she mentioned that my card was restricted, because it was flagged for fraud because I changed my mailing address. She mentioned that I can upload my ID to verifyusbank.com/ID. I typed in the address, and the page would not load, because it was an invalid IP address. She mentioned that I could fax over a copy of my Social Security Card with ID, so the restriction could be lifted. She hung up the call.
Product: Mortgage

Our mortgage servicing company based in Texas called Residential Credit Solution is NOT offering us an option to communicate with them electronically to resolve an issue with slamming. Despite the fact that we are paying for property insurance, they are adding the amount to our mortgage balance. Their customer service front-line folks are unable to provide the source of the escrow funds and only provide the balance. They wants us to chase their escrow folks. It appears they are on commission and only care about collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regards to the recent data breach reported for Equifax. They are offering only one year of credit monitoring when the information leaked, e.g. SSN, name, etc. causes an impact for the rest of my life. There have been a lot of breaches but this is the last straw. There needs to be recognition that these breaches are more than a short term issue for consumers and not be used to farm new clients for their monitoring services. They should be required to provide lifetime monitoring for people whose information was compromised.
Product: Mortgage

Hello. I closed on our property on XX/XX/2019. At the time of closing we were charged {$3700.00} dollars for Mortgage Insurance Premium and issued a FHA case No XXXX. We recently tried to do a Streamline Loan and was told that they dont show that we have an FHA loan. I contacted the FHA and they said they never received a payment for the loan. I have made several attempts to contact Eagle Homes who I purchased the property from as well as the closing company Cal-Atlantic and gotten a total run around. No one returns my calls or can provide me any insight as to what happened to the money. In addition, when we closed we choose XXXX for our homeowners insurance and have the documents signed stating a check would be disbursed to XXXX. A month later we were notified by XXXX that they never received the payment. Eagle cancelled the payment to XXXX and assigned insurance to another company of their choosing. We had to pay the premium out of pocket until the other insurance refunded the money. This caused our mortgage payment to increase because we were now at a deficit. I believe Eagle Home Loans has violated fair practice laws and willingly with holding our funds. 

XXXX and XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

My loan has been transferred to navient ... .a while ago ... 
When I started with navient and with my old loan company I was able to repay my loans individually ... .as I have XXXX remaining .... 
navient has changed their policy so I can not pay the XXXX loans I have with them individually unless I call in every time I have to pay. I wanted to repay the loans individually so that I could overpay on XXXX loan only ... .not XXXX so that I could finish paying off XXXX of the XXXX loans first and then pay the other ... I was able to pay that way originally and I feel I should still be able to since they are individual loans that I took out at different times. Therefore, why can i not pay for them individually? That is ridiculous ... the loans have different identification numbers yet I am forced to repay them online or by mail combined ... .that is not fair or just ...
Product: Debt collection

I got a call from XXXX on XXXX XXXX, 2017 calling about a debt somebody owed but it was n't me. I do n't know how they got my number AT ALL. I am under my parents phone bill and how they got the number is beyond me. He refused to tell me who and why he was calling me at the crack of dawn. I called back repeatedly to find out why he had my number and who he was and he refused a manager, or any information. I am on the do not call list and should not be getting these calls.
Product: Debt collection

Reached out to creditor XX/XX/23, XX/XX/23 and XX/XX/23 and only received back via mail a paragraph with XXXX scribbled signature, nothing else.
Product: Credit reporting, credit repair services, or other personal consumer reports

My grievance is with CB Indigo who is also known as XXXX XXXX XXXX They are reporting that I have an account with them that has been closed and that I owe them {$610.00} for this credit card. The problem with this is that the card is not mine, I do not and have not ever had any contracts with this company, and when I brought to their attention not only did they continue reporting this negative tradeline to the credit bureaus, but they didn't even bother to respond to my complaint. 

By their failure to respond to my complaint, and correct their erroneous reporting, they are in violation of the Truth in Lending Act 15 U.S.C. 1643 ( b ). This federal law states that the card issuer has the burden of proof to show that a consumer has authorized the card issuer to make him or her liable on all the charges to a credit card account. I am not and have never entered into a credit agreement for this account. Therefore, this account must be deleted from my credit report. 

The state of North Carolina also prohibits the actions that CB Indigo has taken regarding this negative tradeline. According to a law review done by XXXX XXXX XXXX ; Authorized user : " Courts have generally agreed that a consumer who has not entered into a credit agreement, but is merely an authorized user on another persons account, is not liable for charges made by the cardholder. Under the Truth in Lending Act at 15 U.S.C. 1643 ( b ), the card issuer has the burden of proof to show that a consumer has authorized the card issuer to make him or her liable on all of the charges to a credit card account. '' So again, I am demanding CB Indigo remove the tradeline they are reporting to the credit bureaus under my social security number immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these inquiries and send me an updated copy of my report after the investigation. These inquiries should also be removed. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my 3rd requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance Owed : {$640.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX XXXX XXXX Balance Owed : {$12000.00}