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 readiness for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter to the courthouse asking if they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX regarding a payment issue that occurred recently. I made a payment to XXXX. Despite my timely payment, XXXX encountered a technical error that resulted in my payment not being properly processed on their end.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have 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, credit repair services, or other personal consumer reports

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

15 USC 1681 Section 602 states I have the right to privacy. 1 5 USC 1681 Section 604 A Section 2 : It also states that consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Phone : XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Dispute of Inaccurate Reporting and Request for Investigation Dear Sir/Madam, I am writing to file a formal complaint and request an investigation into an ongoing issue related to my credit report. This matter pertains to a charge-off account placed on my credit report by XXXX, a creditor, which I believe to be inaccurately reported. This inaccurate reporting has adversely affected my reputation and is preventing me from accessing reasonable and adequate lending opportunities, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
I have taken the following steps to address this issue : 1. I have submitted multiple disputes with all three major credit bureausEquifax, XXXX, and XXXXregarding the disputed account. Despite these disputes, I have not received a response detailing the method of verification and validation of the debt, as required by the FCRA. 

2. I have also attempted to resolve this matter directly with XXXX, the creditor in question, but have not received a satisfactory response or resolution. 


Given the persistent inaccuracies in my credit report and the failure of both the credit bureaus and the creditor to provide adequate documentation, I am left with no option but to escalate this matter to the Consumer Financial Protection Bureau for further investigation. 

I kindly request the following actions be taken by the CFPB : 1. Initiate a thorough investigation into the reporting practices of XXXX regarding the account in question. 

2. Request XXXX to provide a detailed method of verification and validation of the debt, as required by the FCRA. 


XXXX. Demand an immediate removal of the inaccurate reporting from my credit report, as it has caused harm to my creditworthiness and reputation. 

I have attached copies of all dispute letters previously sent to the credit bureaus and the creditor for your reference. 

I am also open to discussing this matter further and providing any additional information required to expedite this investigation. 

Thank you for your prompt attention to this matter, and I look forward to a timely resolution. Please feel free to contact me at XXXX or XXXX to discuss this further. 

Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Complainant XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Complaint Against Equifax , Experian, and TransUnion for Inaccurate Reporting of Santander Account as Charged-Off To the Consumer Financial Protection Bureau , I am filing a formal complaint against Equifax, Experian , and TransUnion for the continued inaccurate reporting of my Santander account ( Account Number : XXXX ). These credit bureaus have misrepresented the status of my account, incorrectly listing it as charged-off despite clear documentation proving it has been current and paid on time for an extended period. 
Details of the Issue : XXXX. Inaccurate Charge-Off Status My Santander account is being wrongfully reported as charged-off, which does not accurately reflect my payment history.

2. Failure to Update Reporting I have maintained consistent, on-time payments for a significant period, yet the credit bureaus have not updated the account status to reflect its true standing. 
XXXX. Violation of Federal Law Under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ) and 1681i, credit bureaus are required to ensure accurate and up-to-date reporting, yet this incorrect charge-off and past-due status remain on my report despite clear evidence to the contrary.
Product: Credit reporting or other personal consumer reports

XXXX XXXX # XXXX {$0.00} Balance This account has been showing a collection/charge off with XXXX balance due, asked for it to be updated to positive. Account never in bankruptcy. 

* Disputed missed payment XX/XX/XXXX showing no days late * Status verification XX/XX/XXXX * Disputed Negative Account Status XX/XX/XXXX *Custom Debt Verification XX/XX/XXXX, asked how can the account have no late payments, no balance, and still be a collection/charge off. 
Never received any validation or proof.
Product: Debt collection

Dear Statebridge, Re : Attached XX/XX/XXXX Response Letter to the CFPB Thank you for the attached XX/XX/XXXX Response Letter to the CFPB. 
In the attached response you are advising account number for XXXX XXXX XXXX. 
How do you have access to XXXX XXXX XXXX records? Are you the same company? On what document were you relying to provide what you allege is the XXXX XXXX XXXX account number. Please provide a copy of the document ( s ) for our records. 

The payment history you enclosed with your XX/XX/XXXX Letter posts late charges and hazard insurance. 

Please note that the homeowner 's insurance was in place at all times and never elapsed and your payment history is incorrect and requires immediate correction in compliance to Federal law.

Please provide the applicable law that allows Servicers to charge late fees on deflated loans. Or in the alternative, take immediate corrective action. 

As per the attached XXXX XXXX XXXX XXXX Loan Schedule, the XXXX account number posted is neither of the account numbers for Statebridge or XXXX XXXX XXXX you provided in your letter. 

Your letter states : Statebridge Loan Number : XXXX XXXX XXXX Loan Number : XXXX As per the attached XXXXXXXX XXXX XXXX XXXX  Loan Schedule the allocated purchase price for XXXX account # XXXX is posted as {$330000.00}. As per the attached XXXX IRS FORM 1099-A, XXXX XXXX XXXX posted {$530000.00}. We demand a corrected and/or Void notice for this XXXX IRS FORM 1099A.

Provide the identity of the party and their authorization for you to act as their authorized represenative. 

We dispute and deny this debt and proof thereof as per all applicable law including but not limited to FDCPA and RESPA. 

Thank you very much for your assistance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX
Product: Checking or savings account

I never authorize this account to be open at no point and i have call the bank to fix this and they only give the run round everything. i contacted them 3 days ago and they said i dont have no account with a negative balance but in my XXXX XXXX it came up with a negative balance and this is not letting me open other banks account.
Product: Credit reporting or other personal consumer reports

After studying during the Covid lockdowns, Ive learned alot about laws, codes, statues, etc. 
here in the United States. These discoveries have caused me to exercise my rights to file this claim. 15 USC 6801 states that It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
Aidvantage student loans is a financial institution by definition under that title. 
Also 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Also The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA which applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. ( Aidvantage Student loan nor XXXX XXXX XXXX XXXX ) ever informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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 precedes the report by more than seven years. '' XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services..
Product: Credit reporting or other personal consumer reports

I am writing to dispute the presence of unauthorized hard inquiries on my credit report, as listed in the report I received from your agency. I have identified some inquiries that were made without my consent or knowledge. I am seeking your assistance in investigating and removing these inquiries from my credit report as they are impacting my creditworthiness. 

To assist you in your investigation, here are the inquiries that I am referring to : -- XXXX -- XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -- EQUIFAX -- XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX  XX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Account Number : XXXX I noticed that you have placed a negative collection account on my credit report. 
From my understanding, the law allows me to ask for information regarding the debt that you are reporting to my credit report. Please send me all documentation in your possession on this debt for my review along with my signature that shows I've signed documentation with you directly. The next step will be tot Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you remove this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/XXXX was first contact with XXXX whom is associated with Jefferson. Thought they were a scam and gave them a dummy account to get them off my phone. 

Starting XX/XX/XXXX started receiving random calls from different numbers and text messages. The same day I noticed Jefferson reporting debt on my report. Contacted Jefferson and asked them to send written communication they own the debt and to remove themselves from my report as I don't have an agreement with them.

Under code 15 USC 1681B- permissible purpose, it is illegal to report a debt on my report without my permission.
Product: Bank account or service

I am steady receiving harassing, threatening, and abusive phone calls and death threats, from TCF Bank debt collectors for an unauthorized and fraudulent checking account, someone opened in my name illegally and fraudulently. I never applied or opened a checking account with TCF Bank.
Product: Credit reporting or other personal consumer reports

I bought a XXXX XXXX SIM card, I tried to activate the SIM card by phone with a customer service operator, but in the process it could not be activated because the SIM card was not valid, I ordered that SIM card through XXXX XXXX, then I try to activate that SIM card myself through XXXX XXXX  prepaid, and in the final activation process, I make the payment and wait while it is activated, but the page only stays in the activation process and nothing happens, so I restart the process again, and then it tells me that the SIM card was not valid, so I left it like that, I understood that it can not be activated, after a few months I get a debt in collection from XXXX XXXX of XXXX, so I disputed the debt and explained the situation, the debt was erased and now the same debt appears in another agency and with another date. 

The profile wasn't created. They charged me for a profile that doesn't exist. I don't have any proof of information from them. I tried entering my email address on the XXXX website, but it doesn't exist in their system. It's as if I never created an account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is what happened when I wrote XXXX  in XX/XX/XXXX Greetings, I have been fighting all three reporting bureaus in regards to them reporting on my credit file three accounts that has nothing to do with me whatsoever. They are reporting two accounts with XXXX XXXX XXXX XXXX XXXX, which I never applied for and also XXXX XXXX which was discharged in my bankruptcy in XXXX. I was not living in the country and I have submitted proof of my passport with visas stamped showing the month and year out of the country and returning in the country as well. This is getting very frustrated and unjust in the part of these reporting agencies that are abusing citizens. They are the main one allowing for customers to be scammed, being taken advantages of by selling our information and not protecting men and women. They also are reporting a bunch of inquiries on my account, however I was able to remove all from Experian but XXXX and XXXX are the worst reporting inquiries that are fraudulent and when again I was not in the country for several years due to XXXX XXXX. I need your help please, even on making an action lawsuit against these companies please. 

Now, it is XX/XX/XXXX and XXXX have not done anything to resolve my issues that are fraudulent and I can not even access the online form on their site to dispute my issues. This is so frustrating and unfair and unjust from this company that I dont understand how the government allowed for this type of practices to take place. I am a 100 percent total and XXXX XXXX XXXX that is trying to purchase my first home for my family and this company is keep on reporting fake account and inquiries that I never did, that I never allowed. 

If I miss out on closing on my property I will sue this company and I need your help because it is completely unjust. I call everyday to talk to a representative and they keep on transferring me and then they say the department that is handling your case the office is now closed. I NEED HELP PLEASE CFPB, YOU HAVE TO HELP
Product: Student loan

Refused to accept Public Service Loan Forgiveness Certification form on XX/XX/2021. Letter from FedLoan said my end date is before my beginning date. However, there is no end date on my form because I am still employed with the same company.
Product: Debt collection

Subject : Dispute of Inaccurate Debt Information and Request for Validation by Midland Credit Management I am writing to formally dispute the accuracy and validity of the debt information listed on my credit report and to request validation of the debt pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and Regulation F. 

According to my recent credit report, there is a debt listed under my name with the following details : - Account Number : XXXX - Amount : {$4500.00} I believe this information is inaccurate and incomplete. Under 15 USC 1681 and specifically 15 USC 1681i, I am entitled to dispute inaccurate information and request an investigation. I request that you reinvestigate this account and provide me with the details of the original creditor, the method used to verify the debt, and any documentation that substantiates this claim. 

Additionally, I request validation of this debt as required by 12 CFR 1006.34 ( d ) under Regulation F. Please provide the following information : - The amount of the debt at the time of the validation notice : {$4500.00} - A breakdown of the debt ( e.g., principal, interest, fees ). 
- A statement that I have the right to dispute the debt within 30 days of receiving the notice and information on how to dispute the debt. 

- The name and address of the current creditor : Midland Credit Management - The name of the original creditor if different from the current one.

In compliance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ), please include consumer response information in your validation notice, specifically : - Disputing the debt or any portion of it.

-Name and address of the original creditor.

Furthermore, I have experienced abusive collection practices by Midland Credit Management, which include multiple calls at inappropriate times and threats, in violation of my rights under 15 USC 1692 of the Fair Debt Collection Practices Act ( FDCPA ). Midland Credit Management has not provided validation of information under 12 CFR 1006.34 ( b ) ( 5 ), yet they placed a collection on my report. Midland Credit Management has no authority to furnish my account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-5, 2 ( 7 ) ( a ). For these violations, I request that all collection activities cease until this matter is resolved.

I expect your prompt response to this matter. Please acknowledge receipt of this letter within 30 days and provide the results of your investigation within the time frame established by the FCRA and FDCPA. 

Midland Credit Management XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX Thank you for your attention to this serious matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Date : XX/XX/year> 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX and 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks hard inquiry XXXX XXXX XXXX XXXX
Product: Mortgage

I called in XXXX XXXXXXXX  to make payment arrangements of three payment of {$380.00} for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. Shellpoint/Newrez took my payments out but they are stating they did not take the XXXX XXXX payment out of my savings account. I have faxed and emailed and sent certified mail copies of my bank statements to prove they did. They are still not applying my payment and are telling me that they did not receive it even with prove of withdrawal and copies of call log.
Product: Credit reporting or other personal consumer reports

per the FCRA, as a federally protected consumer, I am opting out of any and all authorization, I the consumer, may have given you written unwritten verbal and nonverbal per 15 USC 6802. ALL inquiries must be removed.

Per the family n educational privacy act of 1974, my transaction history was compromised and given to a third party that was NOT authorized by me. 

Lastly, XXXX has removed items off of my credit report but XXXX, XXXX XXXX and Experian has not removed these items. By law, all credit reporting companies MUST be congruent and have the SAME reporting. Please fix these issues. 


My proof of claim is attached to this complaint.