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 ). Specially, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for the violations.
Product: Credit reporting or other personal consumer reports

Hello, my information was sold to XXXX XXXX XXXX from XXXX XXXX without my consent. Furthermore, after requesting documentation I realized my information has been sold again from XXXX XXXX XXXX to LoanCare. My initial understanding was that both companies were the same company. Not XXXX XXXX XXXXXXXX. My loan never went into collections with XXXX which from understanding XXXX is a debt collection agency. Also I received my XXXX this year to pay taxes to file. Only to receive a letter from the IRS stating that my information was incorrect within my city taxes and {$800.00} would be withheld. My credit report has been ran at least XXXX  times and still has yet to provide proper validation of debt. According to my promissory note my debt is with XXXX XXXX. 12USC1431, 15USC1681,
Product: Checking or savings account

I signed up for a Chase Sapphire Checking Account with a promotion that I would earn XXXX Ultimate Rewards Points upon Qualifying activity, but they did not honor this promotion. 

Upon opening the account, I was informed the promotion had changed to {$750.00} ( not XXXX points ). There is a value difference of {$370.00} here. I spent hours on the phone trying to resolve in XX/XX/2019 and was told there was nothing anybody could do. 

On XX/XX/2019 I still had not received any promotional value, so I called Chase. 

Qualifying criteria was a {$75000.00} deposit. I made this to a linked investment account. However, the representative told me this was not a valid way to receive the promotion. The terms and conditions of the promotion indicate otherwise ( quoted below ). They were unable to resolve. 

The promotion criteria reads : " Within 45 calendar days, transfer a total of {$75000.00} or more in qualifying new money or securities to a combination of eligible checking, savings and/or investment accounts, and maintain that balance for 90 days. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in Identity XXXX  I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date XX/XX/2022, XXXX / TransUnion has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX  Bankruptcy Reference # : XXXX i believe it was reporting in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is fraudulently reporting an account on my credit, on behalf of " XXXX XXXX '' however, XXXX XXXX states that they do NOT have an account in collections nor did they even give this company permission to report my information as being in collections. This company company is running scam and reporting incorrect and fraudulent information on my credit report.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Subject : Request for Investigation of Credit Report Violations Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in investigating and correcting several violations and inaccuracies on my credit report, in accordance with federal regulations. 

Accuracy and Fairness : Under 15 U.S. Code 1681, consumer reporting agencies are required to maintain the accuracy and fairness of credit reporting. I have identified several discrepancies that do not adhere to these standards.

Permissible Purposes : As outlined in 15 U.S. Code 1681b, consumer reports may only be provided for permissible purposes and with the consumers written consent. I have not authorized the inclusion of certain negative accounts on my report. 

Information Contained in Reports : According to 15 U.S. Code 1681c, consumer reports should not include adverse information older than seven years, except for criminal convictions. Certain derogatory marks on my report appear to violate this rule.

Identity Theft : Per 15 U.S. Code 1681c2, any information resulting from identity theft must be blocked upon verification. I request a review of my report to ensure that any such information is promptly removed.

Opt-Out Notices : 12 CFR 1016 and 15 U.S. Code 6802 require clear privacy notices and opt-out opportunities before disclosing nonpublic personal information. I need confirmation that I was provided with appropriate notices and options. 

The following accounts need to be removed from my credit report : XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX Additionally, my address should be updated to : XXXX XXXX XXXX XXXX, PA XXXX Please also remove the non-mailable addresses : XXXX XXXX XXXX XXXX  XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX XXXX , PA XXXX I request that you investigate these issues and facilitate the necessary corrections. Please confirm receipt of this letter and provide updates on the status of these corrections within 30 days. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Bounce AI put false information on my credit report.
Product: Debt collection

In XX/XX/XXXX XXXX sent a request for approval of services to my insurance with XXXX  and was approved but NEVER sent the bill to them. XXXX is trying to get me to pay for the service after only my primary insurance ( XXXX XXXX  ) paid some of the bill. I called XXXX in XX/XX/XXXX asking why was my bill not sent to XXXX. They didnt have an answer and said they would send it to them and that the debt collection will be removed from my credit report, but it has not. It came back as correct when I disputed it with the credit bureaus. And its for {$750.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I m checking my credit reports and I don't understand why I see this account on my name. I don't have anything like that. I have no idea why you put it on my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, CHILD SUPPORT XXXX Account # XXXX, XXXX. XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX  XXXX Account # XXXX, XXXX Account # XXXX, CHILD SUPPORT Account # XXXX, XXXX XXXX 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 instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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: Checking or savings account

In XXXX XXXX I find out my XXXX XXXX  account hacked and they take {$8700.00} from my bank because my XXXX XXXX  was link to my bank account. I called the XXXX XXXX  and my bank and I soon as possible I open police report, after a month calling bank everyday they told me my case denied because I applied for to many debit card since XXXX  and I have pattern. 
I have an account with Truist bank
Product: Debt collection

Dear PORTFOLIO RECOVERY, I am writing to formally request validation of the debt you claim I owe, as permitted under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I have received several correspondences from your office regarding this matter, but I believe there may be an error, and I do not acknowledge this debt. To ensure accuracy and compliance, please provide me with the following : 1 ) A copy of the original assignment contract or agreement that verifies your right to collect on this debt. 2 ) A detailed statement of the amount owed, including any fees or interest. 3 ) Evidence that this debt is within the statute of limitations. Until this information is provided, I request that you cease all collection activities regarding this debt. Please be aware that continued attempts to collect on this debt without proper validation may constitute a violation of the FDCPA. I appreciate your prompt attention to this matter and expect a response within 30 days as mandated by the FDCPA. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX was paid completely off on XX/XX/2020. The payment was made directly to XXXX from my insurance company. Transunion is allowing XXXX to report erroneous late payments to my credit file for XX/XX/2020 and XX/XX/2020. This account was paid in full on XXXX in the amount of {$18000.00}. There is no further payment due. I have the documentation as I am not sure what is wrong with the data on this account through XXXX.
Product: Student loan

So my loans are being charged different fees and different interest rates than they were when pay off was signed with lawyers and agreements were set. I see suddenly my entire payment is now counted as a fee when this wasn't the original agreement or how the accounting was handled. Please fix the accounts to show the same interest rates that was agreed upon. Debt collectors can not just change as they see fit as rules must be the same. I have the payments and how they were being distributed to 2014. Once the debt collector sent my bill to another company Navient chose interests and payments were changed. I need statements of accounts that show the agreed upon rates and terms.
Product: Mortgage

In XX/XX/XXXX I borrowed {$50000.00} against my home which at that time was paid off. I borrowed from XXXX company who sold it to another and so on and at this time it is now with Bank of America. Even though I do n't make my payment to BOA, I pay my mortgage to a company called XXXX. In XX/XX/XXXX I got jammed up and got behind on my payment. When I finally got things squared away I called BOA and tried to resolve the problem. I told them that I would pay them {$1000.00} over my mortgage per month til it was caught up. The people that I spoke with said they could n't do that and that I had to pay it all to them at once. After that I started speaking with XXXX about the Obama Home retention program. At that time I did not have an attorney. They came up with a modified mortgage that was somewhere around {$450.00} per month and I had to pay that amount for 3 months and that was the my permanent mortgage payment. After I paid about XXXX or XXXX payments they sent me a letter and said that I did not qualify. To make a long story short I retained an attorney named XXXX XXXX from the XXXX foreclosure prevention project. After a long time we ended up in court and the judge awarded me somewhere around {$16000.00}. That was about 2 years ago. I About 2 years ago I was sending XXXX payments and they would send the checks back, saying it was n't enough. I think I have had about XXXX different modifications & gt ; what I am writing to you about is that I checked my credit the other day and I have XXXX hits against my credit and XXXX of them are from XXXX. When this whole XXXX started my credit was not that great but it was atleast close to XXXX or XXXX. As I said my lawyer and myself have been going back and forth with them for a couple years now. But they have all these hits agains my credit for either late payments or non payments. How can they put negative remarks on my credit when they will not even accept my payments???
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One continues to use my email address to send information and account updates for their customer XXXX XXXX XXXX despite my not being XXXX XXXX XXXX. I think its a simple matter of their customer having mistakenly entered my email address. Ive been receiving these emails for more than a year and Ive made three calls to Capital One informing them that I should not be receiving these emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}, {$19000.00}, {$17000.00}, {$8000.00}, {$52000.00}, {$0.00}, {$11000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$17000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$52000.00} -This is not my account. 

6. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- PERSONAL ACCOUNT 8. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Checking or savings account

I opened an account at Navy Federal Credit Union a few months ago, made a deposit and when I went in to the bank to withdraw some funds I was told I opened a Fraudulent Account. They refused to tell me why it was fraudulent but it just was. 

I just figured out why they thought my identity was fraudulent! Hopefully this will help all of you to avoid this issue and if it does happen to you hopefully it will be delft with better than Navy Federal Credit Union Well I just got a new job a few weeks ago and every time they tried to run my I9 it would come back with a mismatch on my Social Security number. They gave me this link to log in to my Social Security account and as soon as I saw this URL, https : //myeverify.uscis.gov/, I realized what happened! Last year I found this site and the Government allows you to LOCK your Social Security number! I thought this was a good idea to prevent Identity Fraud. Well Locking your Social Security number and forgetting that you locked it will cause you to become fraudulent for everything type of financial account that checks your Social Security number! 

My best guess is when you Lock your Social Security number it scrambles your Social Security number in the database so when companies actually run your Social Security number they will never match. 

When I finally figured out what has been going on I immediately called Navy Federal Credit Union and tried to explain this. I was then transferred to their Security Department ( after 5 hours on hold for two days ) and I was told they would email me an appeal form to resolve the issue. This could also take up to 15 days. Here 's the Catch22 I need the Account Number and Access Number to put on the Appeal form but I don't know them. I can still login on line but it won't show me account info because the account is fraudulent. I called for the account information can't be given out over the phone because the account is fraudulent. 

So basically my start date was TODAY and I can't start because I have a Fraudulent Bank account with Navy Federal Credit Union which isn't really fraudulent which is preventing me from clearing my Federal Bureau of Investigation ( FBI ) Fingerprint check.
Product: Prepaid card

Gift card keeps declining online purchases. I called Amex and they said it was for my " protection '' and said I should purchase in store. Some stores I would like to purchase from do not have XXXX XXXX XXXX locations. It is {$500.00} gift gard that is somehow useless at this point.
Product: Credit reporting or other personal consumer reports

Someone on the XXXX got my information off- line and was making payments to the card without my permission causing the account to go over the credit limit and card being closed by credit granter.
Product: Debt collection

I started speaking with the company early XXXX XXXX XXXX, mentioned my situation an told them I would reach out when I was ready to resolve debt after that Ive received frequent calls every following week sometime multiple times in a day, I finally answered an told the agency to stop reaching & theyre still contacting me every other day & company has never sent documents I asked for
Product: Credit card

reporting a certificate of indebtedness which is income that isnt supposed to be reported into my consumer report.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in 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 : Equifax : -XXXX XXXX ( CLOSED ) Account Number XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CLOSED ) Account Number XXXXXXXX XXXX XXXX XXXX ( CLOSED ) Account Number XXXX XXXX XXXX XXXX ( CLOSED ) Account Number XXXXXXXX XXXX XXXX XXXX XXXX ( CLOSED ) Account Number XXXX XXXX XXXX XXXX XXXX XXXX ( CLOSED ) Account Number XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

We have reached out to experian 6 different times to investigate and remove unauthorized/fraud debt that is on my credit report. Every other credit bureau has done a proper and legal investigation and has removed them after finding out that it does not belong to me! Every time I have given experian evidence that this debt does not belong to me they never remove it. They simply dont investigate and keep the debt on my credit report. I have given all the proof and documentation that shows that this does not belong to me yet they have not updated and removed this. Experian is not doing there job accordingly to federal law and simple leave the debt because of there extremely low standard.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly a late in XX/XX/2017on the XXXX XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I normally receive a paper statement for this account via U.S. Mail. I did not receive XXXX statement. When I realized that this statement never arrived I immediately contacted the bank and made this monthly payment. I was assured by the representative that I spoke with that no late payment would be charged and that a late would not appear on my credit report. I was not aware that there was a late until I obtained the most recent copy of my credit report. This inaccurate reporting of a late is harming my credit score and this late needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to have this removed however, I have not been successful.
Product: Bank account or service

I have XXXX accounts with Wells Fargo. I was told when I opened them that my checking would be linked with XXXX of my savings account which was the primary savings account-meaning more money in it to avoid any over draft fees. I received fees when I had money in all XXXX accounts including the credit card account which would be the XXXX. I want all the fees back and in a timely manner. They are rude, disgusting and when the fees are returned I will be shutting down all XXXX accounts and going to another bank. Tell me how you would charge overdraft fees when all XXXX accounts have money in them?
Product: Credit reporting or other personal consumer reports

i am a natural person, i am a livng human being. i have right under 15 usc 1681 transUnion is goven by 15 usc 1681. and they violated my right numerous of times. i demand the accounts listed below be removed because According to 15 USC 1681 i have the right to privacy I did not give transUnion written permission to furnish these accounts XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX child support
Product: Debt collection

I sent an email to the office that is trying to collect from me. After they received my email they proceeded to call my phone 7 times in a row while I am work. I can not answer the phone and could lose my job over that. I did leave a message with the lady that answered the phone at your office. Since I can not take calls at work and your office is closed when I get off I asked her if I could email you. These people are relentless and have told me that they call the law office today and the trustee and was told that your office has no idea who I am. I made an offer to pay this account and they did n't take my offer the man ( XXXX @ XXXX XXXX will answer that number ) advised me that he would see me in court and slammed the phone in my ear. Please advise me on what I can do at this point, I am not refusing to pay they are just really rude and abusive when I talk to them. Executive Acquisition Group, LLC.XXXX XXXX XXXX, NY XXXX Phone No. : XXXXXXXXXXXXXXXX XXXX XXXX. : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexus nexus is reporting I have had about 7 car accidents I never had a car accident and they dont have a police report to prove it they must delete this information and so must the New Jersey Motar Vechile commission