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

I am filing a cashapp complaint against Cash App ( Block , Inc. ) due to Inadequate customer service and poor/unfair practices, which violates the Cosumer Financial Protection Act ( CFPA ). Specifically Cash app and their service failed to take timely and effective measures to prevent and address fraund on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with the error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These has caused significant inconvenience and financial loss, and Im seeking appropriate, compensation and redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting A tax lien that doesnt belong to me as XXXXXXXXX and wont remove it, XXXX is reporting XXXX XXXX XXXX as deliquent and XXXX XXXX as collection which arXXXX Hippa Law violations as well as child support that are 180 days late and deliquent Experian And XXXX is reporting Child support Enforcement as of XXXXXXXXX as delinquent and 180 days late as well as XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX XXXX XXXX and XXXX all as charge offs these accounts are damaging and malicious and effects my ability to get loans and employment
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Acct # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX and XXXX XXXXXXXX have 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Recently, I discovered that I am a victim of identity theft, there are fraudulent accounts I did not open on my credit report. This has caused me significant distress and hardship. These fraudulent accounts are hurting me deeply, preventing me from improving my quality of life for myself and my family. As a first-generation American born to immigrant parents who came here seeking a better life, this situation is devastating. It feels as though the credit bureaus and creditors are not taking my plight seriously, possibly due to the commonality of XXXX names, which smacks of discriminatory practices contrary to the Equal Credit Opportunity Act. In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681, 15 U.S.C. 1681i sections 611, 15 U.S.C. 1681s-2 sections 623, 15 U.S.C 1681 section 602 A, and 15 U.S.C. 1681s-2 ( A ) ( 1 ). Please delete the fraudulent accounts immediately. In addition to correcting the inaccurate information, I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) to request validation of this debt. Specifically, I request that you provide the following : A copy of the original contract or agreement that I allegedly signed, which substantiates the debt.

A detailed account of how the amount being reported was calculated, including any fees, interest, or other charges.

Proof that you have the legal right to collect on this debt, including documentation that shows your ownership or authorization to collect this debt. 
I believe these fraudulent activities are a direct result of the XXXX data breach which led to XXXX, Experian, and XXXX having inaccurate accounts on my report. Despite being affected by this breach. This failure to notify me has left me vulnerable and unprepared to address the fraudulent activities in a timely manner.
Product: Credit card or prepaid card

Citi sent a promotional e-mail for my XXXX XXXX XXXX card on XX/XX/XXXX with a subject line of " Don't forget, XXXX, starting next month you'll earn more at restaurants and gas stations ''. I did not read the e-mail and deleted as I don't typically read promotional e-mails. 

On XX/XX/XXXX Citi sent a second e-mail which stated " Corrected subject line : Don't forget, XXXX, starting XX/XX/XXXX, you'll earn more at restaurants and gas stations ''. When I saw " corrected subject line '', I decided to open the e-mail and see what the e-mail was in regards to. There are two pictures and three paragraphs which refer to earning 2xs miles at restaurants and gas stations and a {$100.00} flight discount, among other things. Some of the text is bolded and some information was included in large red boxes. However, when you scroll to the end of the message, in the very last paragraph, with text that is NOT bolded or in a red highlighted box, they disclose the annual fee will be increasing. 

This seems like the definition of deceptive. The increased fee should not be buried in the bottom of a promotional e-mail after the new benefits are highlighted, which is not in the same font/size as the promotional information, and the subject line does not reference the fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

Below  are dates of credit inquiries that I wish to have removed from my credit report Equifax. I attempted to contact customer service at the credit bureau and their customer service would not help and take care of these negative inquiries reporting to my credit report.      XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX    Inquiry    XXXX   XXXX ,  XXXX     XXXX    Inquiry   XXXX   XXXX ,  XXXX   XXXX   Inquiry   XXXX   XXXX ,  XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX   Inquiry   XXXX   XXXX ,  XXXX    XXXX   Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   Inquiry   XXXX   XXXX ,  XXXX   XXXX   Inquiry   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   Inquiry   XXXX   XXXX ,  XXXX    XXXX     XXXX  Inquiry  XXXX   XXXX ,  XXXX    XXXX    XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX    XXXX   XXXX   Inquiry   XXXX    XXXX ,  XXXX    XXXX   XXXX   Inquiry  XXXX   XXXX ,  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I have sent letters out via first class mail.. According to the FCRA, These Companies have failed to acknowledge my letters in which I have pointed out violations and innacuracies that MUST be deleted due to my federal rights under the FCRA. I have also verified my identity, proof of address and attatched a current utility bill to ALL letters. If these violated accounts are not removed according to the violation code included in each dispute letter, the bureau MUST provide physical evidence as to who, what, when, where and why they are Verified as CORRECT. 
according to 15 US code 1681b- permissible purposes of consumer reports, states that ONLY IN WHICH I GIVE WRITTEN PERMISSION/INSTRUCTION TO REPORT AN ACCOUNT ON MY CREDIT PROFILE, AND ONLY IF I PERMIT, THAT THESE ACCOUNTS WOULD FOLLOW FEDERAL GUIDLINES UNDER THE FCRA. These Companies have failed to comply to my request and if they do not respond in reasonable timing to my request, this WILL turn into a federal complaint, lawsuit.
Product: Debt collection

Rubin & Rothman LLC ( R & R ) received default judgments on the basis of false and/or legally inadequate affidavits even though plaintiff and defendant agree to " reset payment date '' and not request default due to R & R online payment processing issues. The negative statement on my Credit report and misrepresentation by R & R attorney.
Product: Money transfer, virtual currency, or money service

Wells Fargo XXXX was used to transfer money purportedly to XXXX XXXX. 
I was informed that my electric service would be cut off if I did not pay on the day XX/XX/2022. 
Two payments ( {$360.00} and {$370.00} ) were made in what was a scam and were thus fraudulent and I was forced to do this under threat. 
I submitted this to Wells Fargo and they refused to credit these monies back to my checking account even though they were fraudulent and made under threat.
Product: Debt collection

On XX/XX/2020, I spoke with a collector which I believe his name is XXXX at Law offices of James R Vaughn XXXX XXXX ) XXXX, Washington Office, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX. I spoke with this collector in length about paying monthly payments or to settle out the debt. After speaking with this collector, he wasn't wanting to work with me and I advise him I wasn't working and then afterwards he said your husband works and I was playing games and since my husband works and we will go after him. I was very distraught and spoke with my husband about the call. My husband called them and he spoke with XX/XX/XXXX which refused to file a complaint and also he asked for a debt validation because they had my husbands SS # and date of birth. My husband then called back to speak to a manager, He spoke with XXXX XXXX, and after speaking with him about the call, he mentioned the collector did make a mistake and apologized but refused to accept blame. My husband spoke to him about the debt that was created before the marriage. XXXX stated that the attorney forgot to click off a button and a suit was filed for both our names but now my husband wasn't responsible for the debt. He also wouldn't comment how they have his SS # and DOB. He wouldn't go any further but to collect the amount due. First XXXX didn't address the issue that my husband was refused the opportunity to file a complaint nor was I given the opportunity to ask for a debt validation. This is wrong at all levels of this company!
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

15 U S C 1681 section 602 A states I have the right to privacy 15 U S C 1681 Section 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions 15 U S C 1681c. ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions or crimes which antedates the report by more than seven years 15 U S C 1681s-2 ( A ) ( 1 ) a person may 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

Consumer personal information was stolen in a data breach of XXXX XXXX consumers personal information. Consumer is requesting that all items identified in FTC Identity Theft Report attached to this complaint are to be deleted immediately from consumers personal credit file report on all XXXX credit bureaus, XXXX, XXXX, transunion, pursuant to The Fair Credit Reporting Act section XXXX within XXXX business days. Also 15 USC section 1681b permission must be given from me as a consumer to report my personal credit information in order to be listed on bureaus web site portal.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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. 

Please see above LAW, this isn't a request to verify this is the law that clearly states that I have the right not to have companies report to my credit without a WRITTEN REQUEST FROM ME, which at no time have I ever given WRITTEN PERMISSION.
Product: Credit card

My phone was stolen when I was outside the country XXXX XXXX XXXX XXXX XXXX they somehow got in the phone annd attempted to make XXXX XXXX transactions through the stolen phone. 
I immediately notified Wells Fargo as well as XXXX XXXX. Both Wells Fargo and XXXX XXXX said that these transactions were authorized by me or my representative. They refuse to discuss the matter any longer. 
Over 20 transactions were attempted on XX/XX/XXXX, Between XXXXXXXX XXXX XXXX XXXX Most of the transactions were blocked. However, somehow some the transactions went through ; even after Wells Fargo canceled the card. 
Over {$2600.00} of transactions were made. at reimbursing me the charges ; Wells Fargo has recently sent me a letter the charges will be reversed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, submitting yet another CFPB complaint today to inform the Credit Bureaus to reinvestigate and correct or update the following disputed accounts from my Credit Report. I am submitting this Complaint in response to the recent investigation conducted by the Credit Reporting Agencies. I do not agree with their findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking the Credit Bureaus for more information regarding these particular items in question. According to the Fair Credit Reporting Act, 15 USC sections 1681i, the Credit Bureaus are obligated to finish your investigation within 30 days ; please do so, otherwise they will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. I need the following accounts removed from my Credit Report : XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have rights to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Student loan

I am being charged {$260.00} a month to pay off my student loans. When I total the amount owed per month for each of my loans, the total is {$240.00}. I called the company FedLoan Servicing who manages my loans and asked why there is a discrepancy. They said that I had overpaid what I owed in recent weeks, which is true because I made a lump sum payment, and that the lower monthly payment amount is due to that. I was told by the customer service representative that the lower monthly amount of {$240.00} would n't become enacted or kick-in until some time in 2019. She asked me if I would like to have the lower payment amount kick-in now instead ... all she would have to do is submit a request to have that changed. I answered " yes of course I do n't want or need to be paying you more than what I actually owe! '' They seem to be making extra money off of me by charging me more than what I actually owe per month. I have discovered multiple deceitful practices by this bank/company since they have been managing my federal loan repayments over the past couple of years. If I had n't noticed this, I would just have paid them extra money per month for at least two years unnecessarily. Unacceptable! As a result, I am choosing to pay off my loans sooner just so I do n't have to deal with this company/bank and to limit the amount of interest they can collect from me. Why are they allowed to continue to deceive their costumers?
Product: Credit reporting or other personal consumer reports

The post office unable to deliver my mail to these wrong and inaccurate addresses and creditors are denying me credit due to these incorrect names and addresses. Furthermore I do not want to be acceptable to identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX XXXX Account # XXXX has violated my rights. XXXX Account # XXXX has violated my rights. 
XXXX Account XXXX XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX Account XXXX XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX Account XXXX XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX IN Account # XXXX has violated my rights. 
XXXX XXXX IN Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX  XXXX Account # XXXX has violated my rights. 
XXXX  XXXX Account # XXXX has violated my rights. 
XXXX  XXXX Account XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX  Account # XXXX has violated my rights. 
XXXX  Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX  Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting 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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate Account XXXX : XXXX Account XXXX
Product: Debt collection

Apartment complex upon exit at the end of my lease claimed that there was carpet damage " pet stain ''. They wanted me to pay {$350.00} for replacement. I disputed the charge and asked for evidence since I had not pet and there was never a pet in the apartment. The carpet was in the same condition as when I moved in 12 months prior. 

Without any further explanation or proof and with no consideration or response to my dispute letter, this was turned over to a collections agency. I again disputed the claim and asked the collections agency to allow the claim to be worked out between myself and the Apartment complex. I received no explanation nor any further correspondence. 

Subsequently, I received a notification in XX/XX/XXXXthat my credit rating had dropped around 100 points due to " bill collection ''. I am XXXX years old and working hard to build credit. A 100 point drop over a {$350.00} claim seems very drastic especially given the lack of response or respect for fair billing and fair collections. 

The Apartment complex is called Arbors at XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, Al. XXXX. That property appears to belong to XXXX XXXX ; address XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. 

The collections agency is NCC Business Services , Inc. located at XXXX XXXX XXXX. XXXX XXXX XXXX, FL. XXXX ; phone : XXXX
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/20 XXXX This account does not belong to me and has inaccurate information about me reporting to the bureaus and bureaus have not verified the information. I have asking for verification and validation of this account. The collection agency/lawyer replied back with inaccurate information.
Product: Mortgage

In XX/XX/XXXX my wife and I were separating and as part of that process wanted to transfer the financial responsibility of our home over to me so she could purchase a home. We spoke with a mortgage representative at Wells Fargo and explained the situation and they agreed to help us refinance so everything was in my name. In XXXX of XXXX I attempted to refinance the home only to find out that they never transferred the title to the home only the mortgage over to me. I was denied the refinance due to the fact that I do not own the home. I contacted Wells Fargo and after 3 months they finally told me that no request to transfer the title was made at the time of the refinance and that it was my responsibility to correct the issue. I currently have a mortgage with Wells Fargo in the amount of {$170000.00} on a home I don't own and they are unwilling to assist or take any responsibility for that. I don't know if I have any legal recourse in this matter and would appreciate any help I could get.