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 XXXX have caused significant inconvenience and financial loss, and I seek appropriate redress
Product: Credit reporting

I have filed numerous disputes with the credit bureaus, XXXX, Experian, and XXXX XXXX, and each are coming back with the same stall tactic and not doing anything that is required by law when a consumer requests. I have repeatedly asked for documentation of proof showing that they verified each account, and asked for the person or persons name that they spoke to, and still nothing. Just the same old generic letter.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX bureau consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXXXXXX Balance Owed : {$0.00} - tied up
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX balance {$2400.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXX/XXXX XXXX Balance {$1300.00} - You have been reporting inaccurate information and this is a violation please remove. 

XXXX/XXXX XXXX Balance {$1400.00} - Account is reporting inconsistent and inaccurate, please delete this account. 

XXXX XXXX XXXX XXXX XXXX Balance : {$440.00} - Delinquencies and Late payments after closed accounts, please delete this account.
Product: Checking or savings account

I have disputed multiple unauthorized charges with Chase. I was never given my provisional credit for any. I was reassured that I would for every charge. I was also told that they would contact me if they needed anymore information before making a decision. Not only did I not get a provisional credit but, no one never called me either. The unethical behavior of customer service is unbelievable. Someone really need to listen to all of my calls at the attitudes that any other company will fire employees for. I have been promised my money back for one of the two closed cases and chase didn't honor their word. I just want my money back even if it's tempy.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Mi. XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Unauthorized Account Activity Due to Identity Theft Dear CFPB, I am writing to formally dispute certain transactions or accounts that have been opened in my name without my consent, as I believe I have been a victim of identity theft. Especially when my Information was exposed in the data breach. You have to remove this information, dont turn my dispute into a third day dispute under section XXXX this should be removed within XXXX days. Please consider this letter as a formal notice of dispute regarding the following unauthorized activity : Any hard Inquiries done in 2024 I didnt open any or give permission to anyone to do so. 

XXXX XXXX XXXX XXXXt I appreciate your prompt attention to this matter and expect a response within XXXX  days, as required under the Fair Credit Reporting Act. 
Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

I have contacted Fifth Third Bank about an account that appears on my credit report thats not mine and has me as an authorized user. I never applied for this account and instructed them to take me out of their system and remove it from my credit report. Fifth Third Bank responded back stating that the account is verified and is accurate and it belongs to me individually and will not remove it. I requested a debt validation,1099 -C and a copy of the application submitted to obtain the credit card but never received anything.
Product: Vehicle loan or lease

This has been a problem since the loan began : 1. ) They repeatedly call me 5-6 or more times a day, every 3 hours, if I go beyond 10 days late.

2. ) At the 10th day, they charge an excessive {$70.00} late fee on the loan 3. ) In their effort to humiliate/harass you if you are late, they actually cut off access to using their online bill pay service. Because they receive pleasure in humiliating/threatening/harassing you over the phone.

4. ) If you give them no exact time table when you can pay before the 30 day late grace period, they keep calling you repeatedly.

I'm actively working on credit repair. I CAN NOT WAIT to refi my car loan elsewhere and get away from this abusive company. This activity should be something that is ILLEGAL!!
Product: Student loan

My loan service EdFinancial are terrible when it comes to requesting a refund for student loans payments made during the pandemic forbearance. Every individual that made student loan payments during the pandemic has a right to ask for a refund and should get it. I asked for a refund ETA and they gave me the run around and said they don't know when they will get me the payment. They also said they will not send out confirmations that they've submitted for a refund on my behalf. Not even an email confirmation. That's ridiculous and very frustrating especially since there is a lot of uncertainty. I feel like EdFinancial are lying and don't want people to get their refunds back. It shouldn't take that long. This is just ridiculous. I should get refunded exactly this amount : {$1000.00}
Product: Debt collection

Agent divulged personal details about an alleged debt to my brother, a third party who is not a signer on the account nor involved in any way. Information about the alleged debt should not have been given out as the uninvolved third party now has knowledge and information about the alleged debt. Agent threatened legal action.
Product: Money transfer, virtual currency, or money service

I would like to bring your attention to a serious issue I have with Poloniex wires that first took place on XXXX of XX/XX/XXXX to a FRAUD SCAM Broker : XXXX. 

I have been victimized by a multilayered scam operation orchestrated by XXXX - the Scammer. 

The funds were transferred utilizing Poloniexs services in the total amount of XXXX XXXX! I would also like to point out that on XXXX of XX/XX/XXXX - I filed a dispute with Poloniex. 

My money was not in use for any actions ; it was simply transferred to the owners wallet account. Since I did not purchase anything and I did not invest in anything, my money was not in use for anything, and it was simply pocketed by the beneficiary account holders.
Product: Student loan

I was transferred from Great Lakes to Nelnet for my federal student loans on XX/XX/XXXX. My loans have been in Covid Forbearance since the beginning of Covid and I have made payments towards them ( XXXX this year alone ). I have XXXX accrued interest as I have been making payments and the interest rate has been XXXX Today, XX/XX/XXXX, I get a notice that my account is ready at Nelnet. When I log in I noticed that my account has accrued interest in the amount that is equal to 14 day across both loans ( note that is 14 days between XX/XX/XXXX and XX/XX/XXXX ) I call them to remedy the mistake, they tell me it is because I have accrued interest since before Covid. I tell them that is impossible as I have payment receipts as well as emails from Great Lakes about this transfer that state I have a {$0.00} interest balance AND the math is exactly 14 days, they do not believe me I fear that they are going to continue to charge me interest every day, incorrectly and illegally, and I can not stop them The documents I have uploaded : Greak Lakes XX/XX/XXXX XXXX  - Receipt of payment in XX/XX/XXXX that shows XXXX accrued interest Great Lakes Nelnet XXXX  - Notice from Great Lakes that my loans will transfer on XX/XX/XXXX and that I have {$0.00} in accrued interest Nelnet Loan Info XXXX - My accounts at Nelnet as of XX/XX/XXXX that show that I have accrued 14 days of interest
Product: Credit reporting or other personal consumer reports

I have a total of 6 student loans. The loans were originally under XXXX Servicer but in XX/XX/XXXX all were transferred to Mohela Servicer. 
According to XXXX Credit Bureau they are reporting 12 student loans in my credit report. Instead of showing the actual 6 loans under Mohela. Its showing that I have 6 under Mohela and 6 under XXXX which is INCORRECT. 
I spoke several times to the credit department at XXXX and they said that they transferred all 6 student loans to Mohela and Mohela should have continued those 6 loans but instead OPENED 6 new credit lines and this is what has caused the error on my credit report. XXXX said only Mohela can rectify this issue because it was their error. 
I have been going back and forth with Mohela provided all documents needed and they still failed to resolve the issue. I first reported the issue beginning XX/XX/XXXX a supervisor at their credit department told me it would be fixed in 2 weeks. Its been almost 2 months and absolutely nothing has happened. Due to this error my credit report is showing my student loan debt to be doubled the amount of what it actually is, its showing {$82000.00} in student loan debt which is completely FALSE. 
This is greatly impacting me in my finances. Please help.
Product: Debt collection

They are impossible to reach. You sit on hold for an hour at a time or more. If you leave voicemails or emails they do not reply. They wiped out our bank account last summer. Told me every time I actually talked to a person to wait a week and call back. That the garnishment hadnt been released from the courts. They couldnt make payment plans for the remaining balance until then. I called back every week for months. I left countless emails and voicemails. No reply. No phone calls. No mail correspondence. Then they wipe my bank account out again.
Product: Credit reporting

Recently I disputed item XXXX with Equifax. They verified it as accurate, which I found very hard to believe. Pursuant to the Federal FCRA, I invoked my rights to understand how they investigated this incorrect item. Equifax failed to respond to this lawful request.
Product: Vehicle loan or lease

I have several accounts that have been closed and have been written off as a loss however I have never been provided with a 1099c and continue to report fraudulent information
Product: Debt collection

See attatched XX/XX/XXXX FRAUD CLAIM LETTER. XX/XX/XXXX claim date. USAA TOOK A YEAR TO COMPLETE THIS INVESTIGATION. There are No temporary credits ( as this letter ALLEDGED were made permanet ) See attatch3d XX/XX/XXXX statement confirming merchants credits only {$120.00} & {$210.00} = {$340.00}. THERE ARE NO USAA CREDITS. see enclosed transactions of XX/XX/XXXX of the {$470.00} transactions reported fraud ** '' after the mechants credits were deducted. Balance of {$470.00}. Cardholder held Liable. See attatched XX/XX/XXXX transactions. All XX/XX/XXXX XXXX transactions are DUPLICATE CHARGES UNAUTHORIZED XX/XX/XXXX. They total {$470.00} PUT BACK ON A DIFFERENT CARD A SECOND TIME XX/XX/XXXX. See attatched ID THEFT case XXXX USAA WAS NOTIFIED XX/XX/XXXX of this IDTheft. USAA HAS NEVER PROVIDED PERMANET CREDITS FOR THIS FRAUD. USAA DESTROYED MY CREDIT COLLECTING ON THIS ID THEFT.
Product: Credit reporting or other personal consumer reports

My student loan is paid off and still reports as open. Mohela XXXX XXXX XXXX XXXX acct # XXXX
Product: Student loan

I made a payment to one of my loans on XX/XX/2023. When I made the payment, the balance was {$3500.00}. I made a {$2000.00} payment. I received a confirmation email with a confirmation number. This is the only record I have of this payment as it is still not reflected on the servicer 's website under my account. On XX/XX/2023, the {$2000.00} payment debited from my checking account. Days later, my servicer claimed in my account history that a " customer refund '' in the amount of {$2000.00} was credited to my account on the same day my loans had been disbursed, XX/XX/2023. After this, the balance of the loan I made the payment on was {$1400.00} If this was the balance on XX/XX/2023 when I initialized the payment, I would not have been able to pay {$2000.00}, as the balance was lower than that. I have not been able to get ahold of my servicer through email, live chat, or phone. There is no record of my payment on the servicer 's website. In the meantime, I am out {$2000.00} and my loans are accruing interest that they should not be. Today I was put into a call back queue when I tried to call their customer service line. After several hours I finally received acall just to have the representative disconnect the callbefore I could even address the issue. They claimed they were " pulling up their system '' and then the line disconnected. I called back and was placed back in the queue at XXXX. I never received a call back.
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1935 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1935 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

STILL can not obtain my FREE ANNUAL CREDIT REPORT from Equifax. I have mailed them the documents they asked for in XXXX, XXXX, and XXXX of 2020. They are receiving my documents. Now they have closed off my online access to view a soft copy of my report on XXXX See attached. These guys are straight ridiculous and have denied me access to my credit report for TWO YEARS NOW. It hasn't been fixed, they cut and paste that I need to mail them the documents I've sent MULTIPLE TIMES JUST THIS YEAR. SEND ME MY REPORT THAT I'M ENTITLED TO VIEW UNDER MY FCRA RIGHTS.
Product: Credit reporting or other personal consumer reports

In this case My Debt Was Sold to an Illegal Debt collector and they are creating false and negative reports on my credit which consumers law prohibits.Under USC CODE ( 5 ) 1692 Contract was broken after they sold my debt. So by law I am not obligated to pay a on a broken contract.If So, I would like the Original Creditor To send me the Documentation Validating they are in fact the Original Creditor or For National Credit Adjuster Prove the have A DEBT COLLECTOR LICENSE Below will show that the debts collector has documents that I DONT GIVE CONSENT TOO.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than 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: Money transfer, virtual currency, or money service

A check was cashed in my name using a fake ID w my information on it at Ace XXXX   in XXXX colorado.
Product: Credit card

XXXX/XXXX/XXXX I am a person with a long history of never having a balance on my credit cards - paid in full every month with autopay - and a credit score over XXXX when I do not have multiple credit cards activated. 
Imaging my surprise when my new credit union denied my credit card request. We looked at their database and their was an unrecognized credit card with an unrecognizable Citibank credit card charge. I have never knowingly opened a Citibank credit card!!!! 
Thus began my many month odyssey through unhelpful, disrespectful, phone call transfers, endless holds and wait times and dropped calls, repeating the story ad nauseum, requesting information, being interrogated without getting answers to my questions, excessive attempts to get needed information. 
First call to the phone number the credit union gave me which was Citibank. 
- unhelpful, said that account was closed, and it was with a collection agency, gave me collection agency # - Called collection agency, received no assistance, was told they had closed the account and refused to tell me where it was. 
- Called Citibank back after several weeks of intermittent calls I finally got Citibank to tell me it was a charge from Home Depot ( HD ) and that they would send me statements from the charge so that I could determine whether or not it was a fraudulent charge. I was told I should call them back after I reviewed the information to determine if it was fraudulent or not - Called Home Depot and was told I have XXXX balance and was in good standing. 
It took about one month for statements to arrive from Citibank. 
This is the info I received from Citibank this XXXX week of XXXX XXXX : Statements from Home Depot : - All statements were addressed to a physical address that never receives mail - not my correct mailing address - 1st statement : Payment due date XXXX/XXXX/XXXX - Last Statement amount more than triple original amount From my determination this was likely a purchase I made on a new HD credit card that the cashier promoted with a discount for that day 's purchase. I do n't think it was fraudulent as it occurred at a HD where I shop off and on and have had previous account with HD there. 
Note that from the original purchase sometime possibly XXXX XXXX until I received the multiple times requested info from Citibank the XXXX week of XXXX XXXX I had received NOTHING in the mail from HD or Citibank or the collection agency. NOTHING MEANS NO CREDIT CARD, NO STATEMENTS, NOTHING FROM A COLLECTION AGENCY INFORMING ME THERE WAS A PROBLEM!!!! 
During XXXX I believe I had been receiving disruptive calls, but refused to answer questions as the caller refused to tell me what it was regarding so I assessed them as spam calls and attempts at identity theft These calls were likely from the collection agency. I was never mailed information from the first collection agency : according to law.
Product: Mortgage

On XXXX XXXX, 2015, I deposited a cashiers check ( {$33000.00} ) with Green Tree 's bank ( XXXX ) to pay off my Green Tree mortgage. As instructed by Green Tree, the cashiers check had my name and mortgage account number in the memo section so they would know which mortgage account to credit. I confirmed that the check was deposited to the Green tree bank account ( # XXXX ) I checked a few weeks later since I had n't gotten any loan pay off papers. Green Tree said they had gotten nothing. I obtained a copy ( front and back ) of the cashed Cashiers check and sent it to them. They looked at this and admit it looks like they got the money, however they ca n't find where it went. They are now " researching ''.. It has been more than a week of researching and almost three weeks that they have had my money and they do n't know where it is nor will they credit my account.. 
Meanwhile, they show a payment is due for XXXX XXXX. I asked that they change this since in fact, I owed them nothing. Of course they could n't do that. Instead they said " Oh we wo n't report this as late for 30 days ''. Like they can be trusted. 
At this point, I have no faith they will " find '' my money and I will likely have to hire an attorney to get my $ {$.00}