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 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 redress those violations.
Product: Student loan

My federal subsidized and unsubsidized student loans ( 6 total loans, 3 subsididized, 3 unsubsidized ) have transferred administration twice, and have been with Navient for a few years. I have religiously paid over the amount of my monthly payment after capitalized interest affected my account. However, the amount that I owe monthly increases every six months, and I am not able to get my online account to match the tax statements sent yearly. See below running total for XX/XX/XXXX alone - after logging in 4 times, my total balance has changed each time. When I have asked for a physical statement in the mail that showed my running balance over time, I received one that did not show my running balance. When I called to ask how my capitalized interest payments were applied, I was told that my principle amount was decreasing slowly, but steadily, and that my payments fluctuated based on the current market.

XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

MG Credit Corp reported to all three Bureaus a debt of {$160.00} from a medical bill I am just aware I had 4 years ago. It was my understanding all cost were paid by insurance. Once the account was reported, I called the original debtor and MG concerning the required validation of the matter. I never recieved any of the required information under FTC, I never received notice that I was deliquent, on this account prior to the reporting of the credit bureau, I informed MG if the debt was valid I would pay for a deletion only, not as a debt, they declined to correct thier error. The information further violates HIPPA, law 's as MG is clearly seeking a medical bill from the original creditor that specializing in a area of medicine that makes it clear of my medical history. MG has violated several FTC rules and as well as my due process with adequate notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Convergent, the below accounts have violated my rights : XXXX XXXX - Acct # XXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX  - Acct # XXXXXXXX XXXX XXXX XXXX XXXX  Acct # XXXXXXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Acct XXXX XXXX 15 U.S.C. 1681 section 602 A, states I have the right to privacy. 
15 U.S.C. 1681 Section 604A Section 2 : 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 Equitax the proof that there investigation was not done properly and they are reporting in accurate data on my report. 
Letter from the Bank advising it was not a charge off. 
Bank statements with proof of payment on the months are they reporting late. 

The account was never charged off or late. 
It was settlement due to Covid 19.
Product: Credit reporting or other personal consumer reports

I have been trying to purchase a home and in reviewing my credit report, I see a dept from Bull city Financial and XXXX XXXX. I have contacted the company via a debt validation letter for proof and more information on the debt itself. I received a letter from both companies but each letter had a different address that I have NEVER lived at. This debt is hindering me from being able to gain stability and purchase a home and the information is not even accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is being reported on my Experian, XXXX, and XXXX  credit reports. This account is a fraudulent account and documentation has been sent to the reporting agencies stating that i was a victim of ID theft and that this account does not belong to me and should be immediately suppressed and blocked from my report. All agencies have stated the verified this belongs to me without providing any type of documentation that shows I opened the account and signed up for the accounts. This documentation was sent over to all agencies by me from XX/XX/XXXX to XX/XX/XXXX but they have yet to verify with documentation that they accounts belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing about the inaccurate information that continues to report on my credit file because of the negligence of the XXXX, Experian and XXXX representatives. I am a victim of identity theft and I have supplied an enormous amount of documentation to support the deletion of fraudulent accounts. I have requested on numerous occasions for validation and verification that the XXXX, Experian and XXXX employees have received to show these fraudulent accounts are mine and have received nothing. This is because there is nothing as these accounts were opened fraudulently. However, XXXX, Experian and XXXX reports that they have verified these accounts are in fact mine. Who at XXXX, Experian and XXXX verified this account? Who did they verify with? I also have several other accounts where I have submitted the police report to show they were fraudulent accounts. Once again, XXXX, Experian and XXXX is still reporting these accounts and the other bureaus have deleted after investigation. These accounts are ( XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ). This is beyond ridiculous and negligent. I have also placed a fraud alert on my account to stop ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) fraudulent inquiries on my credit file.
Product: Credit card or prepaid card

Transaction posted on XX/XX/2017, Reference number : XXXX. 
The company failed to file XXXX Arbitration case in violation of " XXXX Core Rules and XXXX Product and Service Rules, '' page 704 without any reasonable explanations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act has violated my rights XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, US DEPARTMENT OF EDUCATION XXXX. 15 USC 1681 Section 602 A States I have the right to privacy. 15 USC 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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : BankruptcyXXXX XXXX BankruptcyXXXX XXXXXXXX BankruptcyXXXX XXXXXXXXXXXX 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 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

I wrote a letter in XX/XX/2019 to the three credit bureau XXXX, transunion and XXXX. of the items i were disputing.none of the items were verified.they did not follow protocol.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED THE CREDIT BUREAUS ON SEVERAL OCCASIONS ABOUT THE INACCURATE REPORTING ON MY CREDIT REPORT. I HAVE to ASK THEM TO REMOVE PERSONAL ADDRESS AND ACCOUNTS THAT WERE CLOSED SHOWING A BALANCE WITH HIGH USAGE AND THE ACCOUNT IS CLOSED. XXXX XXXX XXXX SHOWING USAGE XXXX PERCENT ON A CLOSED. I HAVE REACH OUT TO THEM IN XXXX. I HAVE NOT GOTTEN THE RESOLVE THANKS
Product: Credit reporting, credit repair services, or other personal consumer reports

The checking account for XXXX is reporting as a charge off collection account. This account was paid in full prior to be charged off. I am requesting that this account be removed from our credit report. 


XXXX XXXX Closed : XX/XX/XXXX {$0.00} Closed Overview You've paid off 100 % of the original amount. 
Balance {$0.00} Highest Balance $ 371 Monthly payment {$0.00} Opened XX/XX/XXXX ( 5 yrs, 8 mos )  Term 0 months Payment History Last payment XX/XX/XXXX Current Payment Status In Collections/Charge-off Worst Payment Status No Info Account Details Account status Closed Type Deposit Related Responsibility Joint Remarks Payment after charge off/collection Paid profit and loss Times 30/60/90 days late 0/0/0 Closed XX/XX/XXXX See an error? 
DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

DISPUTE AN ERROR Creditor Information XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

First federal credit control is trying to collect a debt from womens personal physician when there should not be a balance as services were not rendered. I refused services and did not sign a hippa concent for womans personal to send or sell my medical information to first federal credit. I want this to be deleted as I am disputing the amount as they can not prove any services were rendered nor is there any contract for services nor any hippa disclosure. They are reporting a closed account as open to XXXX, Which is inaccurate information
Product: Debt collection

I had XXXX checking accounts with Regions Bank. XXXX account went into a negative status due to some unauthorized transactions that came through. I specifically asked if Regions would reach into my positive account to satisfy the other account 's negative balance and I was was expressly told by multiple representatives that Regions would never do that. That turned out to be a false misrepresentation because on XX/XX/2021, Regions debited my positive account to satisfy the negative balance of {$820.00}. I have contacted multiple departments at Regions to obtain relief regarding their false misrepresentations but Regions has refused to reverse and/or dispute the transaction. I am currently out {$820.00} through no fault of my own because I relied on their false misrepresentations. Had I been informed correctly, I would have contacted the collections department to establish a payment plan to stop any withdrawals from my positive account. It is not right that they can tell their customers wrong information and have the customers rely on that false information to their detriment and then not offer any relief whatsoever. Importantly, I never received any notifications about the debt in the negative account advising that they would collect it from another account at Regions or that I could dispute the debt.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. 
These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX XXXX inaction violates federal law and my rights as a consumer
Product: Credit reporting or other personal consumer reports

On XX/XX/year> requested free credit report from Equifax. Even filed XXXX complaint which is now closed. On XX/XX/year> sent personal identification information to Equifax. As of this complaint no response and/or credit report sent. 

Note XXXX XXXX in the same boat. Sent request XX/XX/year>. Also sent on XX/XX/year> personal identification information to XXXX XXXX and no response or report yet. Filed BBB complaint which is now closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried unsuccessfully to reach a live person in customer service to assist me at Experian. I have not been able to obtain a free credit report from them - ever. I called today numerous times at numerous numbers available on the internet and their site and was never able to speak to a live person even after entering my social security number, zip code and house number several different times. XXXX and XXXX   were awesome and very helpful and I got what I needed. Experian makes it so you never speak to a human being I am told. They want you to send your personal info through the mail and if lost, not their problem. They open you up to identity theft. How do I speak to a human at Experian regarding my credit report and placing a freeze on it. Their site is not helpful in addressing my questions either. Very user unfriendly. Please help me. Thank you.
Product: Credit card or prepaid card

Re : ThankYou Pref. MC : XXXX | Alleged Bal. : {$3400.00} ( XX/XX/XXXX Stmt ) *NOTE : Although I have previously submitted two complaints about this account/creditor, todays complaint is about a separate and specific issue NOT previously raisedi.e., the fraudulent charging of nearly {$600.00} ( and counting ) in fees despite the accounts being closed and disputed for over four months now, since XX/XX/XXXX ). Thus, this complaint is NOT a duplicate and should neither be dismissed nor dismissively answered with a pro-forma duplicate response. 

1. As of XX/XX/XXXX, Citibank stands in expressly confessed intentional breach of our contract. 

2. Thus, effective XX/XX/XXXX, I closed the above-referenced account. 

3. Thus, I deny and dispute the alleged balance in its entirety. 

4. Thus, the alleged balance is wrongit should be {$0.00}. 

5. Thus, I deny and dispute the {$330.00} in past-due fees and {$260.00} in over-limit fees ( included in the above-referenced alleged balance ) that have been charged to the account since XX/XX/XXXX. 

6. Thus, the fees since XX/XX/XXXX should be {$0.00}. 

7. Thus, the fact that Citibank keeps billing on an account that is expressly known to be closed and disputed now for 123 days ( and counting ) shows clearly and convincingly that Citibank is willfully, arbitrarily, fraudulently, and thus illegally inflating the balance, likely to make the account more lucrative for placement with a collection agency/law firm. Citibank does this with indifference to the legal injury it causes me ( e.g., vis -- vis my credit file, credit score, and the cascading effects thereof ). 

8. I have attached, and I incorporate by reference, my ( a ) XX/XX/XXXX Rebuttal & Dispute, sent to XXXX XXXX and copied to Customer Service ; ( b ) XXXX Rebuttal & Reiterated Dispute, sent to Citi Client First ; ( c ) XX/XX/XXXX Second Rebuttal & Reiterated Dispute, sent to V.P. XXXX XXXX ; ( d ) XX/XX/XXXX Third Rebuttal & Reiterated Dispute, sent to XXXX XXXX in the presidents office ; ( e ) XX/XX/XXXX Billing Dispute, sent to Customer Service ; ( f ) XX/XX/XXXX Fourth Rebuttal & Reiterated Dispute, sent to V.P. XXXX XXXX ; ( g ) XX/XX/XXXX Billing Dispute, sent to Customer Service ; ( h ) XX/XX/XXXX Reiterated Billing Dispute & Rebuttal to Your XX/XX/XXXX Reply, sent to Customer Service ; and ( i ) XX/XX/XXXX Billing Dispute, sent to Customer Service. 

9. Given these grounds, which I will invoke in any future proceeding, you will : ( a ) remit this matter immediately ; ( b ) mark/close your files accordingly ; and ( c ) refrain from placing, or rescind as necessary, any related adverse information about me with the national consumer reporting agencies ( do not remove any disputed by the consumer notation ). Your failure to comply, as well as any unauthorized contact, will subject you to state and federal civil/criminal complaint, investigation, and prosecution, as well as to civil penalty and legal action resulting in damages, attorneys fees, costs, and sanctions. This is an attempt to mitigate. I reserve all my rights.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, while reviewing my credit report from Equifax, XXXX, and XXXX, I discovered several unauthorized hard inquiries. These inquiries were made without my consent or knowledge and may negatively impact my credit score.

Actions Taken : Notification to Credit Reporting Agencies : In accordance with the Fair Credit Reporting Act ( FCRA ) USC Code 1681i, I have submitted disputes to Equifax, XXXX, and XXXX. I have requested a thorough investigation into the unauthorized hard inquiries and the prompt removal of these inquiries from my credit report.

Direct Contact with Companies : I have also directly contacted the companies associated with the unauthorized hard inquiries to inform them of the unauthorized nature of these inquiries and request clarification. This action aligns with the requirements outlined in the Fair Credit Reporting Act ( FCRA ) USC Code 1681s-2 ( a ).

Additional Information : Relevant USC Codes : Fair Credit Reporting Act ( FCRA ) USC Code 1681i : Procedures for Reinvestigation of Disputed Information Fair Credit Reporting Act ( FCRA ) USC Code 1681s-2 ( a ) : Responsibilities of Furnishers of Information to Consumer Reporting Agencies CFR Codes : 12 CFR 1022.43 : Duties of furnishers of information to consumer reporting agencies regarding the accuracy and integrity of the information furnished
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several hard inquires on my credit that were not authorized and some of the companies ran my credit several times without consent, even when I am searching for a vehicle I ask that my credit is not ran by multiple companies and they are required to let me know which companies they are authorizing my credit to ran by. Below I have provided a list of inquires that were not authorized or either ran multiple times within the same day. 

XXXX XXXX-Multiple times XXXX XXXX XXXX Disc-Unknown XXXX XXXX-Multiple times XXXX-Multiple times XXXX-Multiple times XXXX XXXX-Multiple times XXXX XXXX-Multiple times XXXX-Unknown XXXX XXXXMultiple times XXXX-Multiple times Credco-Unknown XXXX XXXX XXXX XXXX XXXX XXXXmultiple times XXXX XXXX-Unknown XXXX XXXX XXXXMultiple times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Unknown XXXX XXXX-unknown, multiple inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXXMultiple times under different names
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken with this company on four separate recorded calls. This is in regard to two separate credit accounts that were posted to my credit. These accounts were secured deposit accounts which required sums of money to be deposited to have the credit accounts. I have asked on all of the occasions for the creditor to provide those sums and how the balances are showing as they are. No documentation can be provided to show the deposits and or the current balances or how the accrued. The last recorded conversation it was stated that they were disputing these on their end yet these all show again on the credit report just as they were. I have advised multiple times that a deposit of XXXX and one of XXXX was taken. these accounts were placed on hold with the original creditor, somehow they ended up in another company 's collection, It had been stated by the collections that i did not have insurance and therefore they did not have to place them on hold. Where are my deposits?
Product: Checking or savings account

I am writing to file a complaint with the Consumer Financial Protection Bureau regarding my account with Bank of America, which has been frozen since XX/XX/2023. Despite multiple attempts to contact Bank of America 's customer service, I have not received a satisfactory explanation for why my account was frozen, and I have been unable to access my funds or pay bills that are due. 

I have a bill pay feature on my mobile banking that I have been utilizing for over a year because my auto lenders offices are about 100 miles away. Because of this inconvenience, once I get this rectified, I am going to have to travel 100 miles every month just to pay off this bill because pretty soon they are going to stop me from having the option to do bill pay because theyve been trying to take money out of this account and have been unsuccessful. m I appreciate your attention to this matter and look forward to a prompt resolution. Please do not hesitate to contact me if you need any further information.
Product: Credit reporting or other personal consumer reports

I recently paid off a credit card and Im currently in the process of buying a home. My lender tried to get an updated rescore after I paid off my credit card but they keep giving us the runaround ( Equifax ). The credit card company even gave them the information stating that my credit card had been paid, and they still wont update my score. This is hindering me and my buying process of my home. All other credit bureaus updated my score but equifax. Very upsetting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to work with the company to settle the debt initially, and I was met with all kinds of unlawful practices and found the Kashable company to be a Predatory lender. I was forced to believe that I could afford the loan and in the event of termination of employment, they had insurance to help to continue to make payment for you that was included in your loan payments was told when I got the loan in XXXX of 2019. I found out that was completely wrong information when I was inadvertently terminated from my job in XXXX of 2019 I informed them of the termination and that I would like to use the insurance to make payments while I look for another job, the representative told me that no such insurance existed and that I was still responsible for the loan. I was completely misled by this company and would have never taken the loan had I knew they were a predatory lender. They used use aggressive sales tactics and deception to get borrowers to take out loans they can't afford. when I got my stimulus check I had planned to use that to settle the debt as I was looking to purchase a new home during the COVID-19 pandemic and they kept moving the goal post further as I tried to settle during these uncertain times. This debt is affecting my credit on XXXX and it is showing 671 days delinquent. I would like to have this company remove this tradeline from my account as this is my last resort.