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

I'm filing a complaint against Cash App ( Block, inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective to prevent an 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 Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started communication with Equifax 3 months ago to correct a hard inquiry mistake. XXXX did a hard inquiry on my credit on XX/XX/18 and they have told me in writing it was their mistake and they would fix. I filed a dispute with Equifax to have the hard inquiry removed and I was not allowed to upload or submit a document unless I had a fax. I asked for an email and they couldn't give me one. The average poor consumer doesn't have a fax or the time it takes to deal with the companies antics and road blocks. I have a letter from XXXX saying they made a mistake and they would fix that I wanted to upload and wasn't allowed to. I've tried to dispute this inquiry repeatedly with Equifax and they send me a fraudulent note check my dispute status that then goes to a dead link that doesn't work and tells me I'm not able to log in. Poor service and they still won't remove the incorrect info that is hurting my credit. 

Confidential : Thanks, XXXX XXXX # XXXX XXXX
Product: Credit card or prepaid card

I was enrolled in a hardship program with a representative on a recorded conversation XX/XX/31 and XXXX The lady insisted that if I made a payment and enrolled in program to get me caught up with my payments that I would not be reported to any credit bureaus as late. 

Today, I was notified that my account is reporting late now and this is now going to affect me for the rest of my life. 

The phone call and messages are all recorded. 

I need someone to contact me, contact all three bureaus and fix this immediately. This is so detrimental to me and if I had known this would Happen I would have did everything in my absolute power to fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft in XX/XX/2021. I filed an identity theft Im identity theft report. And I still can not get these items removed from my credit report even though I have disputed them.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. and 1681c-2 ) that you, the XXXX, XXXX and Equifax credit reporting agency , block all information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personals credit cards and loan accounts opened at XXXX  XXXX under the account XXXX, XXXX under the account XXXX, XXXX XXXX under the account XXXX, XXXX XXXX under the account XXXX, XXXX under the account XXXX, XXXX under the account XXXX and XXXX XXXX under the account XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX birthday XXXX XXXX This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, The Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inaccurate, and false information consist of a auto loan opened at XXXX XXXX, bank account at XXXX XXXX XXXX, credit card at XXXX XXXX and an account at XXXX XXXX Hard inquiries such as capital XXXXXXXX XXXX XXXX XXXXXXXX, credit XXXX, current, XXXX, first Entertainment, first premier, XXXX XXXX, XXXX, kickoff, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX reporting, transform credit, XXXX XXXX and XXXX XXXX. These acounts have resulted in several fraudulent inquiries and collections appearing on my consumer XXXX credit report XXXX 've included a list of the hard inquiries as well as copies of the consumer XXXX credit report maintained by you which shows these items I've mentioned.i do not recognize the aforementioned accounts, collections, or hard inquiries on my consumer report maintained by you were not opened, made, or initiated by me. all these accounts I've mentioned are a result of fraud and identity theft. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the results of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately XX/XX/2020 I applied the for the covid-19 relief freeze package through XXXX XXXX XXXX XXXX who hold my car loan. I sent in correct documents one time ( date?? ) unknown. I was told they didn't receive my paperwork. I had to repeat the process. Finally the second time they received and accepted This was an over the phone conversation with the teller. I was told a they received and it would be accepted for the covid-19 freeze. On XX/XX/2020 I get an credit alert from my monitoring system saying my score has dropped XXXX points due to a late payment. Immediately track the issue down and try to rectify the situation at hand. I was able to speak to a representative at XXXX XXXX XXXX XXXX, she tells me they cancelled my freeze due to me not paying {$170.00} dollars of interest. I asked why they told me i was approved and didn't tell me there were more steps to the freeze. She proceeds to tell me they tried contacting me on the phone which was the wrong number, I asked why not email, she tells me they are a smaller bank, and not like the big banks and the do things differently. ( Obviously ). I immediately make a payment to XXXX XXXX XXXX XXXX  for the next to months and ask them to rectify the situation, due to my impeccable credit history with not one late over 15 years. I was informed id have to go through my credit bureaus to rectify the situation and it will get dealt with that way. I
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, 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 Equifax 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 Equifax 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
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 1. DEPTEDXXXX - XXXX
Product: Credit card

Hello Im not able to use my credit without committing fraud. I unknowingly committed fraud by obtaining credit without the correct income information due to the fact I could not distinguish my income with other income attached to my income. Since then I have allowed those people to be attached to my income and I have more debt than money to pay back because I gave out a higher income than I had coming in. I paid my debt on time but was not enough because the other parties was not held accountable for their portion.
Product: Credit reporting or other personal consumer reports

I certified Mail Receipt all three credit bureau 's about correcting my personal information on my credit report and nothing has changed. i attached to the document Certified copy of driver license, Social Security Card, Birth Certificate, proof of address as verification. Experian failed to completed my request nor sent me updated request of incorrect my personal information being corrected. Pursuant to FCRA only accurate information suppose to be reported and incorrect information remains to be report and when i requested proof of investigation verification they failed to respond. 

Experian is still reporting my name misspelled XXXX XXXX that's not how its spelled on my driver license and birth certificate. the correct spelling of my name is XXXX XXXX XXXX. 

Experian is reporting incorrect address which XXXX XXXX XXXX, XXXX XXXX XXXX, New Jersey XXXX and XXXX XXXX XXXX, XXXX XXXX, XXXX, New Jersey XXXX i never resign at this addresses nor did i update their system with these addresses. i never applied for credit using these addresses.
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Fraudsters or the Company ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX XXXX and XXXX XXXX which was transferred from my wallet utilizing Coinbase 's services.
Product: Credit reporting or other personal consumer reports

XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX E-Z AUTO SALES LL XXXX XXXX XXXX XXXX XXXX SERVI COASTAL MOTOR SALES FLAGSHIP CRE FINANCE XXXX XXXX BANK XXXX BANK
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 my cryptocurrency got transferred to an external wallet without my consent. {$700.00} out of my account was cleared completely. 

I had XXXX SHIBA INU Coins and XXXX DOGE coins. 

I have 3 layers of security on my account so I do not understand how this could happen. 

I told them as soon as I saw the emails and they had me prove my identity only for 6 days later to tell me that there is nothing they could do about it and that I will not get my money back.
Product: Checking or savings account

Wells Fargo Bank Account Fraud. Each month Wells Fargo took funds from my CHECKING ACCOUNT, until it was no funds. When I notice, I stop making deposits to my account. Each month Wells Fargo remove funds from my account, large amounts. I 'm not sure if that account still their.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items off my credit report : Equifax : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

Experian needs to remove this bankruptcy from my credit file because it's unverifiable by the original source which is XXXX XXXX bankruptcy courts. Third -party source which is XXXX XXXX XXXX XXXX has stated in a letters that the information on bankruptcy is unverifiable. 
I have included this letter stating that Bankruptcy Court does not verify or don't verify this information. So this bankruptcy should be deleted off of my credit report so it doesn't affect my credit worthiness and I'm getting credit declined for credit for new accounts It's been hurting me and my family in regards to receiving new credit, All because of the inaccurate information that Experian is reporting on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed unauthorized inquiry on my reports or noticed someone applied for something in my name. According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items must be removed. ( XXXX XXXX XXXX ) for the dates XX/XX/2022 XX/XX/2022 XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/year> I recieved an email from my PAYPAL account stating I had just made 6 purchases for {$25.00} each to XXXXXXXX XXXX. This happened as I was driving to work from my home. My drive to work takes about 1.5 hrs and it was impossible for me to do so while driving. I contacted PAYPAL about this as soon as I arrived and was told to contact them the following day during business hours. I did that and was able to make a case with them about the 6 different transactions for {$25.00} each totaling {$150.00} that was taken from my account. I was assured any money would be returned and that I should wait for the investigation results. After a few days I got an email saying that they determined I had made those purchases. I contacted PAYPAL again to let them know that It was not me and they should try to find out from where those purchases was made from since it was not me. Again the case was denied and I had to reopen the case. It was done 4 times but they keep saying it is consistent with my purchases and that I had to be the one who did it. I am trying to resolve this but they are not helping me and also they told me they would send me a new card and they haven't done so yet. I would like for them to find out where those purchases was made and return my hard earned funds. THank you in advance
Product: Prepaid card

I have bought and used many cards from XXXX. I had issues with XXXX cards I purchased on XX/XX/XXXX for XXXX dollars each. I called customer support and they requested that I send them several documents and that the matter would be resolved in 14 days. On XX/XX/XXXX, I called them back when I had not heard back from them. The representative said I would recieve a replacment card within 30 days because they suspected the cards had been compromised. On XX/XX/year> I called customer support again because I had not heard back nor recieved a card. The customer service person was very helpful, however I had to resend a document with my name and address. Apparently my case had been closed because my address was typed in wrong. The company never made any effort to reach out to me to resolve this issue. The agent said I should recieve a refund for XXXX dollars within XXXX weeks. However, I remain skeptical that they intend to resolve this issue in a timely manner
Product: Credit reporting or other personal consumer reports

I am writing to disputed account on my credit report that were made without my consent. Accordind to604 of the FAIR CREDIT REPORTING TO SECTION 15 U.S.C 168 1B, there are specific permissible purposes for obtaining a credit report. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my report, account XXXX XXXX, XXXX XXXX / XXXX XXXX
Product: Debt collection

On Thursday XXXX I was notified through my credit card company that I had a significant mark that was reported on my credit report. Concerned about this I obviously went to find out what the issue was. Upon looking at my credit report I have a supposed account in collections from XXXX XXXX XXXX XXXX XXXX in Florida. I immediately got in contact with Spectrum and had them look up all previous accounts/addresses that Ive ever had with them and they have zero record of any debts/balances on any accounts with my name. As far as XXXX XXXX is concerned they say its fraud and that they are attempting to contact this fraudulent company as well. I have attempted to call/contact that scam company XXXX XXXX XXXX with no answer or response from them. I have never been notified about a debt owed or balance due.
Product: Credit card or prepaid card

We were charged for four separate charges totaling {$71.00} on our credit card operated by Bank of America ( BoA ) to a XXXX company named XXXX which we did not authorize. We had made one purchase from this company but did not authorize it to keep our credit card information. We did not authorize any further charges nor did we authorize any services or products from this company. Apparently XXXX kept our credit card numbers on their files. We understand this company is a XXXX company. 

We filed a written complaint with BoA on XX/XX/2018 disputing that we had authorized these {$71.00} charges and signed a written statement to BoA to this effect. On XX/XX/2018, BoA wrote us they were " unable to determine that a billing error occurred based on the information or documentation available to us ... .we consider your disputed resolved and the balance owed. '' We then called BoA and spoke with their representative who said we would have to provide written documentation that we had not authorized the charges for XXXX. We asked how we could disprove that we had not authorized these charges and he could not answer. He acknowledged that BoA had not contacted XXXX asking for my signed authorization for these charges or any information about what these charges entailed. 

We are in an impossible situation. We can not disprove that we did not authorize these charge and have no information as to what these charges involved as the product or service allegedly provided to us. This company evidently kept our credit card information illegally and then used it to bill us for four charges.
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 nlatform, leaving my acconnt vulnerabe and unprotected.

FUdO nore, their d was fair and deceptive, as they dia comply with error resurution 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 these violations.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute of Inaccurate Late Payment Reporting for XXXX XXXX Account Dear CFPB, I am writing to formally dispute inaccurate late payments reported on my credit file for the XXXX XXXX  account ending in XXXX. These late payments, reflected for XX/XX/XXXX ( TransUnion and XXXX ) and XX/XX/XXXX ( XXXX ), are incorrect and do not accurately represent my payment history. I have consistently made timely payments, and as such, I request an immediate investigation and correction of these inaccuracies. 
Account Details and Discrepancies Account Name : XXXX XXXX Account Number : XXXX High Balance : {$13000.00} Date Opened : XX/XX/XXXX Date Reported : TransUnion XXXX XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXX Date of Last Activity : TransUnion XXXX XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXX Payment Status : TransUnion : XXXX  days late ( XX/XX/XXXX ) XXXX : XXXX  days late ( XX/XX/XXXX ) XXXX XXXX XXXX  days late ( XX/XX/XXXX ) but marked " Current '' Specific Errors Contradictory Reporting : TransUnion and XXXX report a late payment for XX/XX/XXXX, while XXXX XXXX it for XX/XX/XXXX. 
XXXX inconsistently lists the account as both " Current '' and " XXXX  Days Late '' for XX/XX/XXXX. 
Inaccurate Payment Status : I have been enrolled in autopay for this account, and no payments were missed in XXXX or XX/XX/XXXX. 
Conflicting Remarks : TransUnion and XXXX state : " Dispute resolved ; customer disagrees. '' XXXX states : " Consumer disputes after resolution ; closed or paid account/zero balance. '' Unsubstantiated Reporting : No verifiable evidence has been provided to support the reported late payments. 
Violations of Federal Law These inaccuracies are violations of the Fair Credit Reporting Act ( FCRA ) and other federal laws, including : 15 U.S.C. 1681i Credit reporting agencies are required to conduct a reasonable investigation of disputed information and correct any inaccuracies.

15 U.S.C. 1681s-2 Information furnishers must ensure the accuracy of the information they provide to credit bureaus.

15 U.S.C. 1681n and 1681o Creditors and bureaus are liable for willful or negligent noncompliance, including actual and punitive damages.

Truth in Lending Act ( TILA ) Mandates accurate reporting of credit obligations and prohibits misrepresentation of account information.

Fair Debt Collection Practices Act ( FDCPA ) Prohibits misleading or inaccurate statements regarding a consumer 's debt.

Requested Resolution I respectfully request that : The inaccurate late payments for XXXX and XX/XX/XXXX be removed from my credit report. 
My payment history for this account be updated to reflect on-time payments. 
You provide written confirmation of the corrections within 30 days of this letter. 
If these inaccuracies are not corrected promptly, I will escalate this matter and pursue all available remedies under federal law to protect my rights as a consumer. 
I have attached relevant supporting documentation, to substantiate my claim. 
Thank you for your immediate attention to this matter. I look forward to a prompt resolution. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a letter to 21st Mortgage Corporation on XX/XX/XXXX to state the following late payments reported to the credit agencies incorrect as follows : - XX/XX/XXXX 60 days late. XX/XX/XXXX payment was made on XX/XX/XXXX, it should be NO late reporting as it shows 60 days late reported to credit agencies. 
- XX/XX/XXXX 60 days late. XX/XX/XXXX payment was made on XX/XX/XXXX, it should be NO late reporting as it shows 60 days late reported to credit agencies. 
- XX/XX/XXXX 60 days late. XX/XX/XXXX payment was made on XX/XX/XXXX, it should be XXXX late reporting as it shows 60 days late reported to credit agencies. 
- XX/XX/XXXX 60 days late. XX/XX/XXXX payment was made on XX/XX/XXXX, it should be NO late reporting as it shows 60 days late reported to credit agencies. 
- XX/XX/XXXX 60 days late. XX/XX/XXXX payment was made on XX/XX/XXXX, it should be NO late reporting as it shows 30 days late reported to credit agencies. 

I received their respond letter dated XX/XX/XXXX stating that they're reporting correctly according to the payment history. Neither they didn't investigate thoroughly nor review the supporting documents that I've enclosed. Supporting documents clearly show the payment dates made and it weren't late. 

21st Mortgage Corporation has been very difficult to work with and they seem not to correct any mistake that they made even supporting documents provided. I'd greatly appreciate if someone from your agency can assist in this matter.