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

I am filing a complaint against Cash App ( Block , Inc. ) for inadequate customer service, failure to prevent and address fraud, and violations of the Consumer Financial Protection Act ( CFPA ) and the Electronic Fund Transfer Act ( EFTA ), including Regulation E. Cash App failed to implement proper security measures to protect my account, leaving it vulnerable to unauthorized transactions. When fraud occurred, they did not take timely or effective action to resolve the issue. Additionally, their dispute resolution process was unfair and deceptive, as they failed to comply with the error resolution requirements under Regulation E, improperly denying my claim without conducting a thorough investigation. As a result, I have experienced significant financial loss and inconvenience, and I seek appropriate redress, including reimbursement of lost funds and corrective action to ensure compliance with consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

AAIn 2018 I contacted all of the major credit reporting agencies about a collection account that was added to my credit report that violates the FCRA. XXXX XXXX XXXX did not contact me regarding this collection account prior to submitting to the credit report agencies and that is a violation of my consumer rights. I submitted documentation to have this account verified and removed and it was removed from credit report in 2018. This same account has reappeared and again, this account was not verified and this collection agency did not contact me prior to submitting it to the collection agencies. Also, this collection agency is not licensed to collect in the state of Nevada according the Secretary of State for Nevada.
Product: Credit reporting or other personal consumer reports

Re : Collection Accounts : XXXX XXXX XXXX XXXX XXXX and Collections To Whom It May Concern : I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. I would like to address this issue of this inaccurate account on my credit report. I followed your advice about contacting the collector. I sent them a letter and asked them to investigate. As of today they still have not responded to me. I thought they had XXXX days to investigate and fix the inaccurate account listed. I dont know who to believe here. I know that the law protects my rights. Since the collector did not conduct their investigation, this account can no longer stay on my credit report. Please delete it right away. Im running out of patience and Im thinking about seeking legal advice on this matter and filing complaints if its not fixed. This letter serves as a DEMAND to remove these XXXX XXXX because you and the creditor were unable to validate this account with physical proof. If not, you will be hearing from my attorney that is ready to move forward with legal actions. 

Also, you have these hard inquiries on my credit report that do not belong to me as well that need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Reason for Dispute : I made my payment on time, but due to a processing delay, it was not credited to my account until after the due date. I have included bank statements that confirm the payment was made before the due date. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

I am writing to file a formal complaint regarding the repeated reporting of late open accounts on my credit report, despite previous attempts to dispute and correct these inaccuracies. This ongoing issue has a significant impact on my creditworthiness and financial stability, and I request your immediate and thorough investigation to address and rectify this persistent problem. I have identified multiple accounts on my credit report that are inaccurately reported as late open accounts. These accounts should not have any late payment history as they were opened within the specified terms and conditions. I have previously disputed these inaccuracies and provided documentation to support my claims. However, despite my efforts, the accounts continue to be incorrectly reported as late open. 

I request that your bureau conduct a comprehensive review of these accounts and correct their status to accurately reflect their current standing. The ongoing reporting of these inaccurate late open accounts not only harms my creditworthiness but also raises concerns about the accuracy of the information provided by your agency. 

I understand that the Fair Credit Reporting Act ( FCRA ) mandates credit reporting agencies to ensure the accuracy of the information they report. Therefore, I expect your bureau to address this issue promptly and in strict compliance with the FCRA. 

Please provide me with a detailed, written response outlining the results of your investigation and a free copy of my updated and accurate credit report once the necessary corrections have been made. Additionally, I request an explanation for the recurring nature of this issue, as it has persisted despite my previous disputes. These late open accounts should be corrected by the credit bureaus : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Capital One has locked my card on multiple occasions for suspicious activity. However there is no suspicious activity of making a payment on the card. 
No customer should ever be penalized for making a payment. 

I have already went through the process of verifying the bank account belongs to me. I use the same bank account every time. 
I am now being told I have to wait 10 business days for them to verify that I am the owner of the bank account that the money is coming from to pay the bill. 

This is the most ridiculous accusation and penalties to customer for making payments on the card to continue to use the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made numerous attempts to correct this issue with XXXX through the complaints/disputes filed with the 3 credit bureaus ( XXXX, XXXX, and Experian ). The debt is a charge off but continues to show a past due amount of {$1100.00}, reflecting this as open revolving credit when it should report as {$0.00}. In addition I requested a 1099c form if this debt is in fact a charge off, as I would like to audit this debt with the IRS, and if it is fraudulent I would like to report it, as incorrect documentation and reporting on the credit report is a direct violation of the FCRA 15 USC 1681 eb.
Product: Credit reporting, credit repair services, or other personal consumer reports

What are these accounts doing on my credit report?? I filed a dispute with the credit bureaus but no word from them! I am so disgusted seeing all these errors messing up on my credit report..The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal ... XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Debt collection

I have an unverified account from Online Information Services. I had previously disputed this account. I have never done business with Online Information Services. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Online Information Services provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any  additional interest, charges, or other fees placed on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and noticed several errors on my report and asked the credit reporting agencys to make sure that everything was complete and accurate according to 15 U.S.C.1681i I waited 30 days to hear back from the consumer reporting agencies and did not receive anything in response to my dispute. Also nothing was changed or modified on my credit report not only are these accounts listed inaccurate I am also a victim of identity theft. 15 U.S.C. 1681 section 602a. States i have the right to privacy 15 U.S.C 1681 section 604a section 2 states the a consumer reporting agency can not furnish a account without written instructions. 15 U.S.C. 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictionsof crimes which antedates the report more than seven years. 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 reason to believe that information is inaccurate. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX XXXX, IN XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX & XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX number XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. I asked the consumer credit reporting agencies to block these account per the fcra615 ( f ) and 623 ( a ) ( 6 ) 15 U.S.C 1681 section 602 A I gave formal Notice of my file a Complaint with the FTC, due to your blatant disregard of the law. As you are well aware, federal law requires you to respond within 30 days, yet they 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 would like to mention that their failure to prove that these accounts are 100 % Accurate they are now liable under 15 U.S. Code 1681n and 15 U.S. Code 1681o Civil liability for negligent noncompliance If they do not follow the law after this complaint I intend to seek redress in civil action, for recover of damages, costs, and attorneys fees, should they continue in your deliberate obstruction of the law.
Product: Debt collection

About {$20000.00} in cash advances without there even being enough to pay current outstanding debt. 

How can financial companies expect people to trade narrow money 11x to solve the debt? 
I have submitted another complaint for XXXX 's threaten to sue, but my lenders are still accruing interest before an eleventh of the outstanding debt is even paid with the existing lot of money ... That's impossible and the unforeseen circumstance is the Federal Reserve not keeping up. Otherwise the acuquiecense to the impossible debt-contract under duress is based upon the unrequited consent of the borrower 's employer or customer. If your agency really protects people financially you would consider invoice speculation and credit intervention abuse, automatically rendering it void because it is impossible without the Federal Reserve printing against or garnishment from savers without their consent.
Product: Credit card or prepaid card

Discover Finance Discover Credit Card company is pulling a soft inquiry every 2 or 3 days and it shows up on my credit report one after another after another. Literally 2 to 3 times a week. I am not interested in their financial services and have asked them to stop on numerous occasions. I feel as it is a harassment against me and my credit report. I realize it is not the same as a hard credit inquiry but they are doing it in excess.
Product: Credit reporting

Trans Union has never responded to my dispute on XXXX XXXX, 2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXXXXXX .... balance {$75.00} XXXX XXXX XXXX XXXX .... balance {$570.00} XXXX XXXXXXXX .... balance {$3900.00} XXXX XXXX XXXX XXXXXXXX .... balance {$18000.00} XXXX XXXX XXXXXXXX balance {$100.00} These accounts are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under may name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Product: Credit card or prepaid card

Company '' Bank of America XXXX a car for less charged me {$480.00} for something that I did not pay for and I would like to have it addressed. 

I signed up for the service on XX/XX/XXXX. I was charged for additional items in my contract. I was refunded for {$19.00} from XXXX after I sent proof to XXXX that I did not authorize the {$19.00} charge and rejected it multiple times at the rental car company. The credit card company can see this on my statement. 

I sent in my receipt which was prepaid and also states that my car reservation was PREPAID IN FULL with no other charges. 

My credit card company asked me to send a copy of my contract on XX/XX/XXXX to show how much I authorized to be charged and also asked me to send my receipt showing that everything was prepaid in advance. I sent these in. The copy of my agreement that I signed shows that there is no charge for {$480.00}. It also shows that there is no charge for {$480.00} on my prepaid in full receipt. 

The car company provided a different contract to the credit card company. 

If I had to pay {$480.00} on XX/XX/XXXX I would not have taken the car and the rental car company can not show anything to show that I authorized a {$480.00} charge on XX/XX/XXXX. I rented the car for XXXX day. Why would I authorize a charge of {$480.00}? This charge was nowhere on my contract on XX/XX/XXXX otherwise I would have rejected it. 

Why did my credit card company XXXX Bank of America ) honor the merchant 's contract instead of the contract I provided to them which has proof that I did not authorize a charge for {$480.00}? How did they decide that the merchant 's contract was correct over mine when my contract which I received by email clearly shows that there was no charge for {$480.00} on XX/XX/XXXX? 

I also provided additional proof to the credit card company that the merchant could not account for the {$480.00} charge because I had dated photos of the car which were date stamped and my prepaid receipt says all charges are paid in full for approximately {$59.00} for a 1 day car rental. 

Why did the credit card company ( Bank of America ) ignore this information? 

The company rent a car for less is rated XXXX on online with a track record of running the same scam to a number of customers. Why can't the credit card company protect their consumers from this scam that the rental car company is finding a loophole to run?
Product: Credit reporting or other personal consumer reports

Notice for Proof of Claim Account : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX 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 To Whom it may Concern, This is this complaint is submitted Under OHIO LAW U.C.C 1319.12Takingassignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is voidable. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company failed to comply with FCRA regulations and notify me that they have/would be/or could report derogatory information to all three consumer reporting bureaus. Despite having an address on file, references on file, an email address on file and an additional authorized third party on file they made no diligent efforts to notify me of this prior to the damages being caused. Their failure to uphold their responsibilities caused me to lose a house I was set to close on valued at {$190000.00} in addition to appraisal and inspection fees. Not to mention, they continuously attempted to draw on a closed checking account and I incurred expenses with my financial institution as a result. I attempted to see if they would remedy this by a good will gesture as I have never been in default before and this was an isolated incident but they replied with " they tried to call me and its my own fault ''. I further explained to them the circumstances surrounding the breakdown in communication and they would not reasonably reach a civil conclusion.
Product: Credit reporting, credit repair services, or other personal consumer reports

on the date XXXX I sent a letter stating that this agency is in violation of 15 U.S.C 1692g. This agency fail to respond satisfactorily with deletion of the accounts that are reporting on my credit report and also failed to provide me with a free copy of my credit report after the changes. it has been over 45 days later and I have not received a response. I truly feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. it has been well over 45 days so they should be deleted. I demand these accounts be deleted immediately or I will file for litigation. Also I will also be seeking {$1000.00} per violation for Defamation, Negligent Enablement of Identity Fraud and Violations of 15 U.S.C 1692g.
Product: Credit reporting

XXXX 2014 unpaid for {$37.00} I have never had any XXXX service in my life with this company Please fix this problem from my credit