23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Telephone : Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX To Whom It May Concern, This letter shall serve as formal notice of my intent to file a complaint with the FTC XXXX due to your blatant and objectionable disregard of the law. 

As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated, as well as my follow-up letter dated. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable.

Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX, XXXX ), you may be liable for your willful noncompliance. 

For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago : 1. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr CREDIT CONST Account Number : XXXX Please remove it from my credit report. 

2. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


If you do not immediately remove this inaccurate and incomplete information, I will file a formal complaint with the Federal Trade Commission. 

Should you continue to operate with complete disregard for the law, I intend to seek redress in civil action for recovery of damages, costs, and attorney fees. For this purpose I am carefully documenting these events, including the lack of response REQUIRED under law from you. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you had 30 days to complete your re-investigation, yet you have failed to respond. Further delays are inexcusable. 

Be advised that the description of the procedure used to determine the accuracy and. completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation. 

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

I do not have permission to authorize or benefit from the inquiry described below. They must be stopped and demolished. Please remove all phony and erroneous inquiry from my consumer report that i am unaware of as a result of the XXXX and Transunion data breaches and identity theft. These papers must be frozen immediately until the inquiry is completed, according to FCRA section 605B.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692-1692p.

I am writing this as I humbly seek to have this discrepancy resolved both promptly and amicably.

With that, my demands are as follows : You must promptly notify and credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file ; A settlement agreement that I may retain for my records.

Monetary compensation in the amount of {$1000.00}.

While I do not desire or anticipate that your negligence may force me to pursue further legal action, that option will be explored. In the event that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look unreasonably be exposed to those routes.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is CLIENTS NAME, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX  XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I wrote to the bureaus providing my personal information. However, no corrections were made.
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 redress for all of these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I recieved a call from Lexington law firm addressed at XXXX XXXX # XXXX, XXXX XXXX, NY XXXX ... They stated they'd help me repair my credit for {$29.00} a month until credit improves. Stated I had about 3 hard inquiries on my credit report that they could fix. I agreed by XX/XX/XXXX they could take the XXXX and move forward. When XX/XX/2020 came I logged in and check my account with them and was going to cancel services but noticed they were going to take {$120.00} instead amount agreed on ( XXXX ) so even more I was going to cancel services. I go and look today again on my account services and now it states I'm needing to pay {$140.00}. I spoke with a female named XXXX on XX/XX/2020.
Product: Checking or savings account

Ive had a problem with XXXX XXXX from the Merrill Lynch team and Im not gon na explain the problem anymore because I already have. I just want to let yall know that Im going to the Better Business Bureau.
Product: Debt collection

Every account on my credit from americollect is a repeat bill of XXXX bills being reported multiple times. But when I asked for the bills they lie and say they represent east Georgia regional but they represent er doctors not the hospital. They refuse to give me the names of the doctors. 
I've been homeless now for months because of my XXXX XXXX XXXX I can't buy a car all be cause they are crooks.
Product: Debt collection

I am an identity theft victim. My computer was hacked in XX/XX/2018 while attempting to get customer service over the phone from XXXX for a printer installation. XXXX XXXX confirmed that all my information had be compromised. My email was compromised by receiving fraud emails from XXXX XXXX. I have been a victim of theft of my bank and credit accounts. XXXX is one account that has been established during this theft. I have submitted identity fraud reports and police reports to all credit bureaus as well as this company. They continue to harass me as I am a victim.
Product: Credit reporting

Regarding item # XXXX car loan for XXXX XXXX be reported by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, CA XXXX. PH : XXXX. This loan was paid in full on XXXX and is recording late payments on my credit report of Experian and XXXX XXXX. Experian says this will stay on report until XXXX and XXXX XXXX until XXXX. The first late payment XXXX so this item should drop off my report by XXXX. Why is Experian keeping on my report until XXXX? Inconsistent reporting by Experian and XXXX XXXX XXXX. These items listed more than 7 years from first delinquency. Removal dates for Experian and XXXX XXXX not consistent. I have several issues with XXXX XXXX XXXX not recording my payments correctly when loan was active. I want XXXX XXXX XXXX XXXX account deleted from both Experian and XXXX XXXX ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I disputed several Items on my LexisNexis Consumer Report. The disputed was delved on XX/XX/2023 via certified mail. However, the company has not responded in 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I kept careful record of their actions, including Method of Verification. I do not consent to e-oscar or any means of automated verification.

Therefore, they have failed to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

My personal information was exposed in an XXXX data breach. These accounts listed do not belong to me. 

XXXX XXXX XXXXXXXX XXXX Acct # XXXX, Bal- {$400.00}, Opened : XX/XX/XXXX Online Information XXXX Acct # : XXXX, Bal- {$4600.00}, Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Acct # : XXXX, Bal- {$700.00}, Opened : XX/XX/XXXX XXXX & XXXX XXXX Acct # : XXXX XXXX XXXX {$230.00}, Opened : XX/XX/XXXXXXXX XXXX
Product: Checking or savings account

On XX/XX/2019 XXXX XXXX my wallet was stolen. Reported to XXXX security and police department, report number XXXX. Called Bank of America and requested close my personal credit card and my secured credit card. Also requested transfer to business debit card but was closed. On the XX/XX/2019 XXXX visited Bank of America office and requested statement on my personal account, rep stated that is nothing to worries cards is bin already closed. Bank of America rep closed my businesses debit card also and issued a temporary card. 

On XX/XX/XXXX and XX/XX/XXXX a lot of activity happens to my account, called Bank of America and the rep on the phone stated I dont know why your cards in not closed, but I will let the fraud department know. 



Credit cards activities wont stop, I received many calls from store and ask if I did make all this orders. Called Bank of America again, bin verify and verify and verified again an transfer to a different representative till the phone is disconnected. 



On XX/XX/2019 my balance get in to negative XXXX. Called Bank of America again, after a long long hold and transfers they told that is my account is in review and will be on 24 to 48 hour. 



On XX/XX/2019 I visited Bank of America Bank again, they did look in to my online banking and said what the bank did, its for my protection and they will reopen my account. Later on this day I called Bank of America again and talk to a rep from NM, she look in to my account, she find all my request closing my cards and stated that she do nut understand what is going on. After a long waitings and several transfers I got in to a guy from the fraud department who said you have {$680.00} and you can close your account and take your money. I told hem that my available balance is owner {$6000.00}, he said can I put you on hold, he never come back. 



On XX/XX/2019 I got a lot of email from the bank stated that my email is bin changed, my phone number is bin changed. I called Bank of America again, well I dont need to tell again the verification, the transfer and verification and transfers again till I got to the same guy I did talked a day before.

I DID TOLD HEM I DID NOT CHANGE ANYTHING ON MY ONLINE BANKI, I DID NOT CHANGE MY EMAIL OR MY PHONE NUMBER, MY ACCOUNTS NEED TO CLOSE IMMEDIATELY This guy is started to attacking me like he did before, he started to turn the situation to like Im not who Im, he is verified several time my name, my EIN number, my mailing and business address and after he said, you couldnt verify who you are, you need to go in to branch and make your request there. 



IM LOCKED OUT OF MY ONLINE ACCOUNT. MY BUSINESS IS BIN DISABLED, MY MONEY FROM MY BUSINESS AND MY PERSONAL ACCOUNT IS DISAPPEARED. 



MY BUSINESS CANT PAY BILLS, MY BUSINESS DISABLED. 

MY PERSONAL ACCOUNT IS THE SAME. I HAVE NO MONEY AND NOT ABLE TO ACCESS ANY MONEY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with XXXX, XXXX and Equifax 3 fraud telephone accounts on my credit report. XXXX XXXX, XXXX XXXX XXXX all reported lines open under my name after my wallet was stolen with all my personal information. I sent them copies of my police report and have disputed it over 4 times with each creditor, as well as with the companies. All claim to remove it but it is still showing up as a derogatory mark on my credit. When I call them they sometimes claim they cant even find me in the system, not even as a fraudulent account. I have paid credit repair companies to try to get it resolved, but it takes so long i can't continue to spend money for a fraudulent account. This has been going on with all 3 companies for the last 4 years, I have spent hours and hours on the phone, submitted police reports and proof of my stolen identity without this getting resolved.
Product: Debt collection

Beginning on XX/XX/year> via XXXX, XXXX, and XXXX, until today, XX/XX/year>, my attempt to receive the requested information to validate debt has gone silent. The bureaus repeatedly state that the debt has been validated, dishonoring my rights as a consumer to send any written proof of this debt. Attached you will find the letter that was sent in my request.
Product: Credit card or prepaid card

The current issue is causing me XXXX XXXX and is having a negative impact on my sleep. It is challenging for me to accept this situation.
Product: Money transfer, virtual currency, or money service

A few days ago, my wife got a XXXX dollar payment from a family friend. It was a gift and supposed to help us out. Well I had her send the money from her Venmo account to my Venmo account. I logged into my venmo to make sure the funds made it into my account safely and securely. Well, I tried to transfer the money from my Venmo account, to my main used account thru XXXX. I found I could not transfer the funds. So I call and call and get hung up on XXXX, actually XXXX times now, I have had numerous chats that have ended in nothing. First it was they needed a statement from my bank account debit card on file because another Venmo user has the same bank account debit card info on file and you are only supposed to add a card on XXXX venmo at a time, not a big deal, probably on my wife 's account. So I give them the bank statement. Well I wait patiently a couple days for them to review it, then they ask me for my Valid form of Government State Issued ID or Drivers License, again no big deal, have no problem uploading it, I then wait and wait and wait and I get an email that says it is frozen because of a XXXX XXXX  debt owed to venmo from a chargeback i believe, back in XXXXXXXX of 2023, a month after I opened the account. Well ..... I check my account statements for every month from now until I first opened the account on XXXX of 2023 and find nothing remotely close to saying I owe them XXXX XXXX. My account balance was never negative and I currently have {$50.00} dollars locked away in my account and they just keep making me jump through all kids of hoops and I am getting no where. I have all chat transcripts in my email.
Product: Money transfer, virtual currency, or money service

I started using Square Invoices sending invoices to customers and processing payments. This worked fine for my first two transactions, until XXXX XX/XX/year> when a customer paid me through Square via an invoice I sent using their mobile app. Almost immediately Square put my account on hold for security reasons and would not allow me to transfer my customers payment to my bank account. 

I called their customer service line where their representative told me that they were unable to tell me why my account was put on hold, they were unable to tell me when it would be taken off hold, they told me it was not possible to do anything about the hold, they stated that I could not talk to anyone else about the hold, and that I just needed to wait 2 to 3 days and my money should be available to me again unless they had other questions. He also stated that I can expect this to happen again in the future randomly for with no reason. 

So essentially, my customer pays me, and if Square decides for reasons they will not disclose, they will hold my money and prevent me from accessing it with no way at all to resolve the problem other than wait for them to get to it when they want. 

Later in the day on the XXXX I received an email asking me to answer some questions. Screenshots of the questionnaire and my responses are attached, as well as the 3 documents I sent them and referenced in the form. 

On XXXX XX/XX/year>, I received the attached email stating Square has closed my account and I would not have access to my customers payment for 120 days, again without any reason given. 

This is absolutely unacceptable. This money is not theirs, it was not paid to them, it is not for a service they were providing to the customer, and they provide no recourse whatsoever for determining the cause for the initial hold, the reason my account was closed, if any conditions were violated, and no ability for me to collect the payment provided by my customer in a timely manner. Additionally, they had already processed two payments prior to this one for much larger dollar amounts without any issues or concerns about my business.

Im asking for this to be investigated by your department if at all possible. As a layperson I can see no reason why this would be a legal or acceptable business practice. As a small business owner in Oregon these actions are harmful to me, will now cause me time and money to find another system to process payments, and have made it difficult as a startup to move forward with this customers order. 

Thank you for your time and any assistance you can provide.
Product: Checking or savings account

My Citi bank account was on hold back and XXXX and they told me they were closing my account. This account had all my money ( {$17000.00} ) and there was nothing I could do. I waited and waited and waited for a check to come in the mail for my money. They finally let me know they closed my account on XX/XX/XXXX. This is 4 whole months later. But finally it's closed and they tell me 5-15 business days until I get my check. It's now been a month and nothing. I received my final account statement and it said my starting balance for the month was {$17000.00} dollars but my ending balance was XXXX. It shows under withdrawals as " other withdrawal : {$17000.00} '' i call up Citi and after an hour on the phone one of the supervisors tells me that Citi bank owes me zero dollars because that is what the last statement says. And hung up on me immediately. So now I'm panicking as every penny I worked for is gone and I'm at zero dollars and Citi bank hangs up on me every time I call them and ask about my account. Please help me Its also important : this started as a fraud hold that I tried to clear up from a purchase of mine and then they put my account on hold for over a month in XXXX. I kept calling and calling and calling and they finally closed my account on XX/XX/XXXX. That is when it shows on my final Statement that other withdrawal of {$17000.00}. I keep calling them and they keep telling me I have zero dollars due to me because thats what it reads as my last statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Bureau deleted XXXX XXXX XXXX XXXX on XX/XX/19 on Report # XXXX. In XX/XX/2019 Experian Credit Bureau  allowed XXXX XXXX XXXX to be put back on my credit report. This is double jeopardy and needs to be removed immediately. I contacted Experian on XX/XX/XXXX and was told XXXX XXXX XXXX would be removed immediately. As of XX/XX/XXXX XXXX XXXX XXXX has not been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX is furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 



As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 


By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is in accurate. 
15 USC 1681 s-2 Says Experian, XXXX and XXXX is a furnisher of information to a consumer reporting agency. 
Experian, XXXX and XXXX IS PROHIBITED BY LAW to furnish inaccurate information. I demand Experian, XXXX and XXXX to Cease and Desist the reporting of incorrect/ in accurate information immediately. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1. Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
Prohibition : a law or regulation forbidding something XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of informations and inquiries were inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that informations is constantly reporting and causes a negative impact on my credit. Therefore, The Credit Bureau did not take any action to remove the incorrect informations and inquiries listed below : PREVIOUS ADDRESS : XXXX XXXX XXXX XX/XX/XXXX XXXX,XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX EMPLOYER : XXXXXX/XX/XXXX Date Updated : XX/XX/XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXXDate Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXX