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 is prohibited via the CFPB Act. Specifically Cash App has failed to take timely and effective measures to prevent and address fraud on their platform. Leaving my account information vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive and did not comply with error resolution requirements under the XXXX act and regulation A. These actions have caused significant inconvenience as well as financial loss. I seek appropriate redress for these violations.
Product: Credit card or prepaid card

I paid for a service in XXXX of XXXX. The service was supposed to be rendered in the spring of XXXX. I cancelled the shoot. The merchant first agreed to refund me then proceeded to block me on all social media platforms and failed to refund me. I opened a dispute. She then made a distasteful social media post about me that was later shared and then she went on to create some fictitious policy and provided that to my credit card company. They sided with her and refuse to reevaluate the facts of this case which I have outlined below. 


* I never signed or was made aware of a cancellation policy/terms/agreement or whatever the merchant has since generated and drafted once I opened a dispute. 
* XXXX laws state that when a contract is not signed, the parties agree that an enforceable deal was ever reached. If you do not have a legally valid agreement, you can not bring a breach of contract claim. 
* When I paid for the photoshoot in XXXX of XXXX, there was never a secured date for the photoshoot. Per the invoice, it says XXXX of XXXX. When I was finally notified of the date around XX/XX/XXXX, I emailed the merchant notifying her that we were no longer available. 
* The law also states that a credit card merchant can not use a XXXX XXXX XXXX XXXX in a dispute since social media posts can be edited and altered. 
* The merchant has been dishonest. She agreed to refund me and then later created terms and agreements but blocked me.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX XXXX, XXXX. on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$4200.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, I assert that XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX have infringed upon my rights.

As per 15 U.S.C 1681 section 602 A, I maintain the right to privacy.

Furthermore, 15 U.S.C 1681 Section 604 A Section 2 clearly stipulates that a consumer reporting agency is prohibited from furnishing an account without my explicit written instructions.

Lastly, as outlined in 15 U.S.C 1666B, a creditor is not permitted to categorize a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I submitted a complaint to the CFPB because I requested Experian to remove the dispute status that appears on the XXXX XXXX tradeline on my credit report. I am trying to refinance my mortgage and the lender REQUIRES the dispute be removed from the account in order to approve the refinance. I originally sent a letter on XX/XX/2021 to Experian to remove the dispute. Experian responded to my dispute by stating they are investigating the dispute when all I need is for them to remove the dispute so that my lender can approve my loan. It is ridiculous that Experian needs 90 days to remove a dispute. I NEED THE DISPUTE STATUS REMOVED FROM THE XXXX XXXX TRADELINE IMMEDIATELY IN ORDER TO CLOSE ON MY REFINANCE!!!! I am unable to get the benefit of a lower interest rate because Experian refuses to remove the dispute status on my request, it is my credit report!!!!
Product: Checking or savings account

I was charged twice for a payment that I had no control over
Product: Student loan

I attended a private school called  XXXX  College  XXXX   XXXX   XXXX  in  XXXX   XXXX  for 4 years. I was not able to complete the school because I ran out of funding. I do n't want to make my explanation too long because of the limited space, but I was aware of the seriousness of what was happening. I did n't graduate, and I would have to start paying my loans. I did speak to m y director,  but they told me there was no other option but to leave. The school took longer that what they told me it would take. No student graduated within the time period they said it would take to complete your studies. I moved on, and unfortunately I lost my job at the time. I called  XXXX   XXXX  which was my servicer at the time. I did n't get any sympathy. I actually became homeless. I was n't out on the streets, but I was out couch surfing wherever I could stay. I told them that, and the only way they could do a forbearance is to give them a large sum that I did n't have. I lost everything. I did n't have a storage place so I had to donate any furniture I could not carry around with me. I even lost my pets. It 's a low period in my life.  XXXX   XXXX  did not understand, and they did not offer any solutions. My loans went into default. That was in  XXXX . The servicer is now Navient. I took advantage of a loan consolidation for my Federal loans that went into effect  XXXX   XXXX . I took me three years to even get an apartment because my private loan was in default since  XXXX . I have tried speaking to Navient, and the lowest they can take is {$200.00} a month. I ca n't afford even that amount right now. They tell me that it barely makes a dent, but it will at least show some effort on my part. The problem is that I do n't trust them, and this stems from the interactions I 've had with them over the years. I feel they should never have let my private loans go into default because I was homeless. Now they want lump sums that are way to high for me to pay I am called by different collection companies. I have spoken to about  XXXX  or  XXXX . I 've lost track.  XXXX   XXXX  is suing me for these loans, and different collection agencies call me still. I called Navient directly, and the always give me different amounts. I ask about the lawsuit, and some of reps say that I owe {$64000.00}, and that it is interest inflation.There other reps that say it is {$36000.00}. From my knowledge I owed {$12000.00} and if they are correct it has gone up to {$64000.00}. I am confused as to how much I owe, and to whom. The collection agency or navient. I asked navient to send me a break down of ledgers to me. I asked a supervisor, and she said she would email me the info. I have n't received anything. I stopped taking their calls and I am hoping that the court will mediate. I want clarity as to what I do owe, and do not want to be ripped off. it 's scare me that I am going to be like this for the rest of my life. I thought by going to school I was making the right choice. I feel that it was a serious mistake.
Product: Credit reporting or other personal consumer reports

Dept of Ed is still showing that I owe {$36000.00} in student loans and responded to the last complaint saying I still owe, DESPITE me providing documentation showing PAID IN FULL. This student loan has been paid for for quite sometime. I WILL NOT pay a second time for something I DO NOT OWE. On top of that, I became XXXX 3 years ago after a XXXX XXXX XXXX that STILL requires further XXXX  and has left me unable XXXX XXXX, do my daily activities, left me with XXXX XXXX XXXX, and I am in the middle of a malpractice claim for. The LAST thing I need is for someone to report FALSE information to my credit, since I may need my credit for my XXXX. 

I do not know how many times I have to complain until SOMEONE takes it seriously and stops reporting " verified ''. 

I am providing two documents from XXXX showing the student loans were paid in full, as well as photographs of my leg injury that I am dealing with. 

I have paid my debt in full and now am faced with a lifetime of XXXX and have to continue to fight for what is right against companies that simply buy and sell false information. 

Again, this debt is paid. I WILL NOT PAY AGAIN, even if I could. It is sad that companies like this can continue to destroy the lives of the innocent, especially those who are a XXXX. I hope people are proud of themselves for picking on the weak. Nothing but a bunch of bullies.
Product: Debt or credit management

Misleading Advertising Claims that their services would lead to significant improvements in credit scores without clear proof or results. 

I Received Unauthorized Charges & Made Complaints about customers being charged multiple fees without adequate disclosure or consent. {$100.00} sign up fee and a {$100.00} every month. 

Lack of Services Rendered Accusations of failing to provide the promised credit repair services or failing to deliver on their guarantees.
Product: Credit reporting or other personal consumer reports

It has come to my attention that these items are not reporting 100 % accurately to my credit report and there are some inaccuracies within the reporting. According to the FCRA if any items are reporting inaccurately on my credit report they should be removed immediately XXXX XXXX XXXX XXXX XXXX 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: Debt collection

COVINGTON CREDIT XXXX XXXX is attempting to collect debt not owed to company. I have attempted to contact this company numerous times via letter, phone and still this company refuses to remove account from my credit reports.
Product: Credit reporting or other personal consumer reports

Received multiple emails from Capital One starting at XXXXXXXX XXXX XXXX on XX/XX/23 stating that a new account was opened in my name without my consent. I do not have any accounts with Capital One and was also notified by my bank, XXXX. 

They created an online account using my email and social security number and are attempting to gain a Quicksilver Rewards Card. 

Please cancel this account immediately.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want the items listed below deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 

1. UPLIFT, INC. ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Currently reporting ( 6 ) months negative. 
This account is not mine. It is in collections and needs to be deleted. 

2. XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) Currently reporting 1 late payment. This needs to be deleted. 
This account has been paid in full. Thats all that should be reported. 

3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting 4 late payments. This needs to be deleted. 
This account has been paid in full. Thats all that should be reported. 

4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is not my account and it is now in collections. This account needs to be deleted. 

5. The addresses below need to be deleted from my reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Below is the proof that I was a victim of the XXXX data breach. The engagement number listed below is proof. 

XXXX DATA BREACH SETTLEMENT Thank You Based on the information you provided, our records indicate your personal information was impacted by this incident. 
FILE A CLAIM For XXXX XXXX XXXX XXXX please call XXXX at XXXX and provide engagement number XXXX.
Product: Debt collection

I have been harassed to where I had a mental breakdown from a debt collector from something 13 years ago ... MIDLAND CREDIT MANAGEMENT now deployed robo calls impersonating police and government saying I am committing a crime and said I would be arrested and a warrant out for unpaid debt of {$2200.00} from 2008 which was taken care of. I am scared. They also sent someone to my house. I filed a claim but you closed it after they lied to you and said they couldn't find my account. I have enclosed a screen shot of my account on here to prove they are the ones harassing me daily. They also did this for another very old debt from over 7+ years ago and sent packages and certified padded envelopes disguised as gifts but have threatening attorneys and police in the letters.
Product: Bank account or service

US Bank had XXXX accounts under my name and I thought you could write a check for XXXX account to deposit it into the other account, because XXXX account I thought had overdraft protection. XXXX disagreed with me and said that I was XXXX XXXX '' checks. I 'm XXXX and I feel she reported me to Chex Systems for a poor reason, granted that I was confused and had no idea this was n't allowed. She took advantage of my XXXX.
Product: Debt collection

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Mortgage

Caliber Home Mortgage will not rewind to loan modification request and also paperwork that was turned in on XX/XX/2018 and again on XX/XX/XXXX. They have refused our calls and payments. We had a XXXX loan and they advised us to terminate the fist contractor because he abandoned the job. He filed a lawsuit against me and the bank. I retained a lawyer @ {$10000.00} in cost to me, at which time Caliber refused any of our calls or payments. They have sent us foreclosure paperwork. I have no where to go and only want to back payments to be placed in the back of the loan. Also I as told that they received XXXX XXXX in TARP and only used XXXX XXXX. They have not tried to help us at all. Nor take responsibility for th contractors lawsuit causing us to retain a lawyer which I no longer can afford. The past few years, this hardship has cause a separation, XXXX, leav f absence from work. Can you help us keep the house
Product: Debt collection

I do not recall ever having a balance for the loan that they indicate which was a HELOC. I did have a loan with Chase Bank for a home. My bankruptcy was discharged XX/XX/XXXX. I recently was added to my mother 's bank account with Chase. This was when I started receiving threatening correspondence from chase that is very very confusing and is trying to collect money. XXXX notice says we are providing more details for customers who have filed for bankruptcy, including those discharged of personal liability. However, they then seek to collect a new balance of {$250.00}. I have received at least 2 statements from them. When I went to the bank with my mother I asked them about it but the person helping me really didn't know anything. I am not going to contact them directly because I do not acknowledge this debt. Any and all debts that I had with Chase Bank were discharged in bankruptcy, and as stated, I do not believe that there was any balance on the HELOC. You can see they are trying to collect the debt because there is a next payment amount of {$250.00} and a next payment due date of XX/XX/XXXX. It has been at least 13 years since my debt was discharged.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureau : TransUnion False Account : XXXX Collections Account Number XXXX I called TransUnion XX/XX/2023 and sent US Postal Mail XX/XX/2023 XXXX get this account deleted that's showing on my credit report, this account is violating several XXXX codes and needs to be deleted immediately after you have reviewed this account. 

( TRANSUNION DID NOT TAKEN ANY IMMEDIATE ACTION DESPITE THE U.S CODES THE ARE OBVIOUSLY VIOLATED ) This account is violating 15 usc 1681 I understand that whatever is furnished upon any credit report shall be accurate and fair.

Also this same account is violating 15 usc 1681g, i also understand any reporting agency upon request clearly and accurately disclose to the consumer any and all information regarding anything on a consumer account. 

Lastly I do not remember giving anyone permission to collect or furnish this account. 

Under the FAIR CREDIT REPORTING ACT, I am requesting the deletion of this account for clear reasons of these violations. 

If i look at my credit report I am supposed to have the proper information of correspondence like phone number, address, or other methods to contact the alleged creditor or collection. This ignorance of the law is not acceptable. I am calling in today to bring awareness and attention to this matter.
Product: Credit card

Late XX/XX/XXXX I received a Text from my credit union PenFed : -FreeMsg PenFed Fraud Alert We declined {$180.00} at XXXX XXXX XXXX XXXX for card ending XXXX on XX/XX/XXXX Was this you? Reply Y or N STOP to end alerts- I also received an email for the same information, which I responded to both immediately. Now as I read through everything, it does not indicate that the charge will now go through, so I call PenFed at XXXX and asked that exact question. She tells me that I am free to charge again. I ask, what does that mean? Do you go back and now allow the charge to go through? She says : NO, I have to do it because she can't ; and rudely mentions ; " she is not me ''. Sadly at this point I was really upset about her attitude and matter-of-factly, lack of concern for anything at this top. I asked what was the criteria to decide if something was a fraud charge or now. And all she could say was ; " the criteria for fraud changes all the time ''. I ask again, and further explain this charge to this company, has been made by me, every 6-8 weeks for years. How could this possibly be considered fraud? And her answer was the same. I then said, it sounds to me like PenFed is arbitrarily just pulling charges to be able to say " we are doing all we can for fraud concerns ''. Which she said nothing and was quiet, I had to ask if she was still there. I know I was upset because I knew this would delay the automatic shipment of the much-needed XXXX dog  food that I was going to run out of this Sunday. So I told her I was not made at her and even apologize and mention I was mad at PF, and their random selection of what they could count as fraud to show, again they are doing their part.

Right now, I'm really disappointed with PF because I've talked a few of my friends and relatives into moving to PF. About a month ago one of them mentioned that most of their credit card charges are being held or stopped saying FRAUD. I was surprised and mentioned that I've been with them for years and in most cases very happy with them. Now I'm embarrassed that I got them to move, because now I know the unbelievable inconvenience that can be for " random charges being treated as FRAUD ''
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX. 
XXXX XX/XX/XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/2023 XXXX XXXX/XXXX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an identity theft report with Experian and listed al large items that were incorrect And that I did not recognize. I also filed a police report with the local authorities. I informed both Experian and the local police of who I suspected it f using my identity because thru were one of very few people who had access to my personal info and are the only one who I think would stoop to that level of wrongdoing. Instead of actually investigating these claims I received an answer back within less than 12 hours stating they had completed their investigation and all of the accounts will remain on my report. I refuse to pay for a collection that does not belong to me nor will I pay any money back that was borrowed by someone else who used my name and info. It wasnt me so it isnt my responsibility. I also need my credit fixed so I can get back to my daily life. I have been saving money to buy a home and now I can not get the loan because someone XXXX  up my credit and no one will help me fix it.