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

i am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the 3 Credit Bureaus. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX, XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have collection account that are still showing on my Experian report that have been deleted from other reporting bureaus. These accounts were deleted by using a third party agency and Experian has yet to delete account from my credit reports. The 4 accounts could not be verified or validated. I would like Experian to do as the other bureaus have and update my Credit report to reflect NO collection accounts. One account ( XXXX XXXX in the amount of XXXX ) on consumer report exceeded the 30 day to validate debt by accordance to FRCA requirements and is in violation but has failed to delete account. I am also submitting a complaint to the BBB against Experian and XXXX XXXX for violation of FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone placed a credit freeze on my Experian credit monitoring account unbeknowst to me someone in the medical legal field decided to call in this freeze and wreck my credit. It took me several years to figure it out since my phone number had changed also. These professionals were retalitory since I had turned them in for workers comp fraud. 

To no avail and XXXX withheld benefits from my claim when my attorney XXXX XXXX and his case manager XXXX XXXX XXXX began to character defame me- as well as XXXX XXXX ( also a XXXX ) who listed my main injury XXXX XXXX XXXX and XXXX as the XXXX XXXX to protect my XXXX XXXX XXXX XXXX and his XXXX XXXX XXXX XXXX who wrote fraudulent reports as did XXXX XXXX DC. Both owners in XXXX XXXX XXXX gee a conflict of interest! Dirty play- yes indeed! 

My turn down for credit was high since no one could contact me at the new number. These people at XXXX who run my life are not honest and are dangerous. XXXX XXXX XXXX does need proof and that's a real life testament to XXXX XXXX corruption!!! And a XXXX community that hurts others for their esteemed XXXX XXXX XXXX. 

Now there are only so many people who have all my private infornmation and would retaliate and lie- XXXX  XXXX XXXX XXXX and XXXX XXXX my attorney. either way Experian needs to make ure the actual customer is placing freezes and not as in my case someone else!
Product: Mortgage

We bought a house a couple years ago on XX/XX/XXXX. In the spring of XXXX we applied with our old lender XXXX XXXXXXXX XXXX XXXX XXXX XXXX, they informed us we could not remove the mortgage insurance for 2 years. THIS WAS NEVER DISCLOSED TO US WHEN WE BOUGHT THE HOME. They said we had to wait. Our mortgage was sold to Flagstar, we applied again in XXXX of XXXX. They mailed us the paper work, we filled it out, sent it back and paid {$100.00} for the the valuation of the home, which cleared our account on XX/XX/XXXX. They ordered a valuation via XXXX XXXX to remove the PMI, they called to set apt , then XXXX the agent no showed, we called XXXX cancel saying the Flagstar cancelled the inspection. We called Flagstar they blamed it on XXXXWe called XXXX and they new nothing about it. We have a case number with Flagstar XXXX. 
They took our money, did nothing and now not call us or helping out to figure out what is going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 15 USC 1681. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX Acct : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by 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 reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Debt collection

On XX/XX/2018, I received a phone call from XXXX XXXX XXXX advising they were attempting to collect an outstanding debt which was transferred from XXXX XXXX. The amount was for {$20000.00}. He was interested in setting a payment plan to repay this amount. At this time i advised the rep with this company I was involved with a debt mang company, he was provided with the name and phone number of the debt mang company. he stated they have dept that works specifically with debt mang programs which would not be an issue. On XX/XX/2018, i contacted my debt mang program to inquire if XXXX contacted them they did not. I reached out to XXXX  to inquire on why they did not, they stated the number did not work. The number again was provided with an extension, which has been the same number i have been using to contact the mang company with no issues. On XX/XX/2018, i spoke with the mang company and asked if XXXX  contacted them they had not. I have not heard from XXXX since XX/XX/2018. This amount of {$20000.00} is currently listed on my credit report as an active collection record which hurt my credit drastically. besides the phone call the credit report was the only other way i knew what was going on with this loan. also the creditor listed for this account is JH PORTFOLIO DEBT EQUITI.
Product: Money transfer, virtual currency, or money service

XXXX dollars was taken from my account to pay a recipient for my bill but the recipient never received the payment
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX Balance : {$8100.00}, XXXX XXXXXXXX Balance : {$7200.00}, XXXX XXXX XXXXXXXX Balance : {$7700.00}, XXXX XXXXXXXX Balance : {$9400.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$14000.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against XXXX 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 Regulations 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 was reviewing my credit file & came across numerous items which I did not recognize, know existed or authorize. I contacted the companies to inform them of the issue. They instructed me to file a complaint with identitytheft.gov & credit an identity theft report for their records. The following information listed is inaccurate & opened due to identity theft. Please see the following information is blocked from my report as I did not benefit or receive any goods or services from these accounts. Here is the list of information I need removed/blocked from my credit reports : inquiries ; XXXX XXXX  XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  XXXX XXXX  XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX/XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  XXXX/XXXX  Inquiry Date XX/XX/XXXX ; XXXX  XXXX  XXXX  Inquiry Date XX/XX/XXXX ; XXXX  XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX  XXXX  Inquiry Date XX/XX/XXXX ; XXXX/XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; The following address needs to be removed : XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX : the following accounts : XXXX  XXXX  XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX  XXXX Balance Owed : {$1300.00} ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX sent Merchants And Medical a cease and desist notice XX/XX/XXXX on a CFPB complaint with another cease and desist in writing. As of today XX/XX/XXXX Merchants and medical has violated the FDCPA by continuing to report several alleged debts on my consumer report which is in violation of 15 USC 1692C ( C ). My consumer reports are considered a medium of communication under the FDCPA. 15 USC 1692a ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. I demand all accounts listed on my consumer report by merchants and medical be removed immediately and cease further collection activity through ALL mediums.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax did not fully investigate the account that is falsely reporting on my credit report
Product: Mortgage

Bank of America Mortgage Loan Officer lied to pressure me to close the loan earlier than required. Further, the day before closing they increased the loan amount for no reason, which would have resulted in cash back I had not requested as well as a higher monthly payment over the life of the loan.
Product: Credit card

Please see attached identity reports, I have unverified fraudulent accounts reporting on my account which was authorized by XXXX then furnished by XXXX. This is a direct violation of the fair credit reporting act ( FCRA ) 25 U.S.C 1681 et seq ) directly and intentionally inaccurately reporting. These accounts and any unverified accounts needs to be removed immediately.
Product: Student loan

Edfinancial is my student loan provider. It states that if you enroll in auto pay, your I merest will reduce by 0.25 %. I have enrolled in auto pay since 2 months ago, but the auto pay confirmation does not show up and was not automatically deducted from my bank account and my interest has not decreased by 0.25 %. Edfinancial is a liar is scamming me to make more money which is highly unethical and deserves to be taken to court for this fraud.
Product: Credit reporting or other personal consumer reports

I have filed several disputes regarding an insurance policy that was fraudulently obtained in my name. I have sent copy of police report. I was also told by a rep that I needed information for XXXX XXXX of the cars registered to me. Contacted XXXX XXXX and was advised they can only give me information on cars that I had at that time and did not show a record of me having a car at the time proclaimed which further supports my identity theft claim. I file a dispute with the company several and always just comes back as valid within a few days. No real investigation is done nor has the police report been viewed. This account still shows on my report with a note regarding my several disputes
Product: Money transfer, virtual currency, or money service

For Ameris Bank : Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX XXXX XXXX XXXX ), with the design, development, manufacture, promoting, marketing, distribution, 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.
Product: Debt collection

My name is XXXX XXXX ( At the time of this contract was XXXX XXXX ) i am on the the customers who was affected with this Aqua Financing fraudulent practice and need my account to be closed and my funds refund it. Please see below. My contract was on XX/XX/XXXX. 
My address 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 XXXXXXXX deceptive/misleading conduct Retail Credit and Finance Credit and Loans A Federal Trade Commission action against household water treatment funding company Aqua Finance , Inc. ( AFI ) has led to a settlement that will provide {$20.00} XXXX in refunds and an additional {$23.00} XXXX in debt forgiveness for consumers harmed by its dealers deceptive sales tactics. 
The FTCs complaint against AFI charges that the companys nationwide network of dealers went door-to-door, deceiving consumers about the financing terms for water filtering and softening products. According to the complaint, the bogus claims left consumers with thousands of dollars in unexpected debt and huge interest payments, while its financing terms impaired some consumers ability to sell their homes.

AFI and its dealers used deceptive teaser rates to lure consumers into signing up for AFIs loans, costing them hundreds of dollars extra apiece, said XXXX XXXX, XXXX of the FTCs Bureau of Consumer Protection. As this order makes clear, the FTC will continue to use every tool available to hold upstream actors accountable for profiting from consumer harm.

Under the terms of a proposed settlement agreed to by AFI, the company will be required to : Closely monitor dealers : The order would require AFI to put robust monitoring programs in place for its dealers, including closely tracking complaints and investigating dealers, and terminating agreements with dealers who repeatedly mislead consumers. 
Make required disclosures : The order would require AFI to provide consumers with clear and conspicuous disclosures about the nature of the liens against consumers property that come with the companys financing.

Provide money for refunds : AFI will be required to pay {$20.00} XXXX to be used to provide refunds to consumers harmed by its dealers deception. 

Provide loan forgiveness : AFI will also be required to forgive loans totaling {$23.00} XXXX for certain consumers, including ensuring that any liens against those consumers property are lifted. 

Stop misrepresenting financing terms : AFI will be prohibited from misleading consumers about the terms of the financial products they offer.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect name and address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN XXXX OF THIS YEAR 2017, MY HUSBAND AND I PAID OFF A TRUCK LOAN IN THE AMOUNT OF OVER {$8000.00}. ABOUT TWO WEEKS LATER HE LOOKED AT HIS XXXX XXXX AND HIS SCORE WENT UP OVER 40 POINTS. I LOOKED AT MINE AND MINE WENT DOWN ALMOST 50????? WHY, NO ONE CAN TELL ME AND I WOULD LIKE TO KNOW. NEXT MY CREDIT WAS IN THE LOW XXXX 'S. i HAVE BEEN PAYING OFF CREDIT CARDS THAT WERE SOLD TO ANOTHER AGENCY. I PAID OFF TWO AND WORKING ON THE 3RD. SINCE I HAVE BEEN PAYING OFF CREDIT CARDS MY SCORE WENT DOWN 140 POINTS AND OVER. HOW HOW CAN THAT BE!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!. I AM SO DISGUSTED THAT I HAVE DONE EVERYTHING RIGHT TO UP MY SCORE AND THIS IS WHAT HAPPENS, BALONEY.
Product: Credit reporting or other personal consumer reports

TransUnion credit reporting agency XXXX XXXX XXXX XXXX XXXX XXXX is violating my rights under the FDCPA. This account deleted off of my credit report from the original company reporting to my credit report and now a third party company XXXX XXXX XXXX XXXX XXXX XXXX ) is reporting the same collection account to my credit report that has already been deleted. I have no knowledge of who XXXX XXXX XXXX XXXX XXXX is and they are claiming to be the original creditor as well. This account should be promptly removed from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are not of my doing, nor was they authorized by me by any means, therefore they are fraudulent inquiries, so I'm demanding that these unauthorized inquiries are removed from my credit file. 


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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$210.00} XXXX XXXX XXXXXXXX Balance : {$17000.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate late payment reported on my credit report by XXXX XXXX. According to my records, I did not make a payment arrangement nor did I acknowledge that my account was past due. Therefore, I believe this late payment has been incorrectly reported and must be removed under the Fair Credit Reporting Act ( FCRA ) ( XXXX U.S.C. XXXX et seq. ). 

Account Details : Creditor : American Acceptance Account Number : [ Your Account Number ] Date of Alleged Late Payment : XXXX days past due Under the FCRA, credit reporting agencies are required to report only accurate and verifiable information. I am requesting that this late payment be removed immediately unless the creditor can provide documented proof that the report is accurate. If XXXX XXXX can not validate this late payment with legitimate evidence, it must be corrected as required by law. 

Please investigate this matter and provide written confirmation of the outcome. If this error is not corrected, I am prepared to escalate this dispute Federal Trade Commission ( FTC ) for further review. 

I expect a response within XXXX  days, as required by the FCRA. Thank you for your prompt attention to this matter. 

Kind Regards XXXX
Product: Credit card or prepaid card

On XX/XX/2022 I used my American Express card for dine-in at XXXX XXXX XXXX XXXX XXXX, WA. Without prior notification, XXXX XXXX XXXX added a {$0.00} " Retail Service Tax '' when paying. This is in addition to the expected sales tax. I found out about the additional charge after swiping my card. There is no such tax called " Retail Service Tax '' in Washington State. The restaurant employees were not sure why this fee was added. There is also no posted notice of the fee. The restaurant was unwilling and unable to provide a refund, since they blamed it their payment processor.