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

I am filing a complaint against Cash App and ( 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 in 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 Electric 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 card

I am writing to express my deep frustration and disappointment with Navy Federal Credit Union fraud department. On XX/XX/year>, I discovered that my credit card was fraudulently used for unauthorized transactions totaling {$8300.00}. I promptly reported this issue to Navy Federal Credit Union, expecting a swift and professional response to help me recoup my stolen funds. 

Unfortunately, the agent assigned to handle my case has been unresponsive and unhelpful throughout this ordeal. Despite multiple attempts to contact them via phone and email, I have not received any meaningful assistance or updates regarding the status of my case. 

As a customer, I expected better service from Navy Federal Credit Union, and I am left feeling frustrated and powerless as my stolen funds have not been recovered. 

I am requesting that Navy Federal Credit Union XXXX fraud department take immediate action to resolve my case and ensure that I am reimbursed for the unauthorized charges. I also urge the company to improve its communication and customer service in handling sensitive matters such as fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 an account without my written instructions. 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt- The Fair Credit Reporting act, Section 609 ( a ) ( 1 ) ( A ) states that I am entitled to the source of this information which is the original contract with my signature on it. If you are unable to verify the account with the original contract the information should be removed from my credit profile and credit report within XXXX  days
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get the following fraudulent account removed from my report with Equifax for the last couple months. Despite numerous efforts Equifax continues to report it on my credit report. I have opened up a idenity theft complaint with the Indiana Attorney General 's Office. Please see the complaint number attached. I despite that the items be removed. If not, I will continue with further legal action. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXXe, which falls under XXXX according to XXXX-Debt Final Rule XXXX002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with the credit bureaus regarding the duplicate XXXX XXXX mortgage accounts on my credit report. ( The accounts showing are listed below ) XXXX XXXX XXXX XXXX : 1. Loan # 1 ( {$180000.00} XXXX status indicates it is part of a bankruptcy filed XXXX, closed XX/XX/XXXX. 
2. Loan # 2 ( no loan amount ) status indicates it was transferred, closed XX/XX/XXXX. 
3. Loan # 3 status indicates it was transferred, closed. {$33000.00} written off. Loans 1 and 2 have the same account numbers and closed dates. 

The response from the credit bureau states the account was updated, but they are still on my report.
Product: Credit card or prepaid card

I am writing today in regards to my account with THD/CBNA account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a hard pull inquiry from XXXX put on my account on XX/XX/2018. I did not authorize any hard pull and was not notified there would be any hard inquiry on my file. I have tried to call the company they said they would look into the matter and over 30 years has passed.
Product: Credit reporting or other personal consumer reports

EQUIFAX IS BLOCKING MY SCORE. I have multiple positive accounts and no negatives but yet i can't see a score. My equifax shows BLANK. This is destroying my livelihood. FIX THIS IMMEDIATELY OR I WILL HAVE TO FILe A LAWSUIT
Product: Credit reporting or other personal consumer reports

Evidence of Fraudulent Conduct. Date of last account verification and highest balance status are not accurate. Credit Fresh is asserting highest balance as still owing and derogatory. Credit Fresh closed the account however did not modify to reflect accurate verification date ; XX/XX/year> and or current balance as PAID XXXX XXXX XXXX XXXX XXXX XXXX  Theft of Identity & Tax Fraud : Impermissible Access and Misrepresentation of Facts : Written Off, Charged Off, Collections, settled, Transferred, debt are not validated. Borrower has not been provided requested and required IRS 1099-C Affidavits. Creditors did not adhere to FCRA Reporting Guidelines prior to falsely reporting. 

Creditors have knowingly misrepresented debt, refused to disclose supporting evidence by intentionally falsified records regarding account details to CRAs, CFPB, and IRS. 

The Washington State Consumer Protection Act, is a state law that aims to protect consumers from unfair or deceptive business practices. The WPA will grant consumers various rights regarding their personal data, including the right to access, portability, correction, deletion, and to restrict or object to the processing of their data in certain circumstances. 

Credit Fresh is in violation of the FCRA guidelines. Above mentioned Furnishers are fraudulently reporting old or outdated, for account that are discharged PAID and CLOSED debt accounts. Credit Fresh has fraudulently accessed credit reports for impermissible purposes, and without ethical intent of unbiased investigation from XX/XX/year> to Present Date. Credit Fresh is intentionally refusing to disclose supportive documentation, with intent to engage in violating consumers privacy. 

XXXX, XXXX, XXXX and XXXX are required to investigate per FCRA Guidelines. Once notified by a CRA of a consumer dispute, the furnisher of the disputed information must do its own reasonable investigation. A reasonable investigation of facts by definition under FCRA. 1681s-2 ( b ) requires the furnisher to examine sufficient evidence to determine whether the disputed information is accurate. 

Se

ctions 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ). If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. Penalties For Non-Compliance : Violations of the FCRA can lead to both civil and criminal penalties. Civil penalties, including nominal damages ( up to XXXX XXXX dollars if no actual damages exist ), actual damages ( including emotional distress ), and punitive damages, plus attorneys ' fees and costs, may apply where there is " willful noncompliance '' with the Act. Civil penalties for " negligent noncompliance '' are restricted to actual damages and attorneys ' fees and costs. Criminal penalties may apply where an individual knowingly and willfully obtains information from a consumer reporting agency under false pretenses.
Product: Credit reporting, credit repair services, or other personal consumer reports

My computer was hacked and a self account was opened. Which changed my credit score by XXXX and I want this fixed. Self agreed to close account, and I manually completed dispute on the XXXX online. I WANT MY ACCOUNT TO REFLECT XXXX LIKE IT WAS BEFORE THIS FRAUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX Date Opened : XXXX  Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I should only have two addresses on my credit report : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX
Product: Credit card

I initiated a balance transfer over 6 weeks ago with my credit union to pay off my Citi Card account. Citi has subsequently refused to apply the payment. I have been fighting with them for over a month. First they claimed they did not receive the check, when I provided proof that they did ( and deposited it ) they then claimed they could not tie it to my account. When I pointed out that the copies of the check clearly show my correct information they made me send information to payment investigations. Two weeks ago it was confirmed by Citi that the payment was located and would be applied to my account. It still has not been and they refuse to give me further information. Meanwhile I cancelled all of my autopayments with them and confirmed it with a representative. Two weeks later they are claiming that I did not do so and they will not allow me to do so. They are stealing my money.
Product: Prepaid card

On XX/XX/year>, Skrill put my account restricted and told me that they closed my account on XX/XX/year>. Skrill returned half of the funds on the same day and put the rest {$2500.00} XXXX on hold. 
I've only loaded the Skrill account with XXXX debit card. They asked for the statement for that debit card for the claimed address verification. I provided it with no delay. 
After a week without any movement, I called in and was told they needed all my other cards ' statements linked to Skrill which I have done no transaction with Skill, just linked. Although I suspect they are just causing trouble, I still collected the statements and submitted them on XX/XX/year> and was told the account was verified on XX/XX/year>. 
However, I still can't withdraw my remaining fund of {$2500.00} from Skrill. They always reply me with the chat robot. I'm tired of this and I want some pressure from the authority to push them on the right track to return my money back. 
Thank you!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/2025 Equifax Consumer Services XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Correction of Personal Information in Credit Report To Whom It May Concern : I was reviewing my credit report and found several inaccuracies in my personal information, including addresses, name variations, and employment history. I kindly request your assistance in correcting these errors. I have attached documentation providing proof of my current address and correct name as indicated on your website. 

To facilitate the removal process, here is a list of incorrect addresses currently appearing in my report that I would like to be removed : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX UT XXXX XXXX only correct address that should appear in my report is : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX XXXX 

Additionally, I noticed that my name appears to be misspelled in my credit report. My name has only one correct spelling, and there should be no variations listed. To confirm the correct spelling, I have attached a copy of my photo ID. 

Here are the incorrect spellings currently listed in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I also request the removal of the following incorrect employers : XXXX XXXX XXXX XXXX The only employer that should be listed is : XXXX XXXX XXXX XXXX. 

These inaccuracies are causing difficulties for me in maintaining an accurate credit report and moving forward with my legal processes. Therefore, I kindly request that you remove the incorrect names, addresses, and employers from my credit report and update it accordingly. 

Once the necessary corrections have been made, please send me a copy of my updated credit report for my records. 

Thank you for your prompt attention to this matter. I appreciate your assistance. 

Sincerely, XXXX XXXX XXXX XXXX Attachments : Photo ID Proof of current address
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX are reporting a collection account listed as credit collection but have provided no evidence on how they validated this alleged debt, this is a violation of my federally protected rights. This account has it been verified because I have signed no contract with this company nor had any account. Delete this information.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I received a communication from XXXX XXXX XXXX claiming that I owe a debt in the amount of {$14000.00}. The letter referenced an account with XXXX XXXXXXXX XXXX. I immediately reviewed my records and could not find any documentation supporting this debt. I believe it may be an error, and I need more information to verify its validity. I sent a written request to the debt collector asking for validation of the debt, including detailed information about the original creditor, the amount owed, and proof of their authorization to collect the debt. As of XX/XX/year>, I have not received a response to my request. Additionally, the debt has been reported to credit bureaus, negatively impacting my credit score. I believe this is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). I am requesting that XXXX XXXX XXXX cease all collection efforts, remove any credit reporting related to this debt until it has been properly validated, and provide the requested documentation.
Product: Credit reporting or other personal consumer reports

I recieved denial for credit card application from XXXX XXXX. I did not apply. The reason fro denial was too many attempts in recent time. I have not applied for any.
Product: Credit card or prepaid card

I received a statement in the mail from the Children 's Place about XX/XX/XXXX or XX/XX/XXXX with a charge of {$990.00} on an account I never opened. XXXX is working on the issue but requested I file a complaint. My local police would not let me file an incident report. This was the next step.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX I submitted correspondence by certified mail to XXXX XXXX because of suspected fraudulent activity by the bank. I have delivery confirmation from USPS that XXXX XXXX received the letter. They have refused to address my concerns by remaining silent and have continued to seek payment. I have revoked my signature on the application as a result of un-rebuttal about the matter concerning the fraud. Attached you will find an unsigned copy of the letter I submitted to XXXX XXXX on XX/XX/XXXX. Additionally I have submitted a sworn under oath, affidavit on XX/XX/XXXX with delivery confirmation and PROOF outlining the fraud and revocation of my signature from the original application as the law permits under fraudulent acts. XXXX XXXX has continued to remain silent about addressing the bank fraud. As a result this account is null and void. Further credit reporting is in violation of the Fair Credit Reporting Act and all parties responsible being Ally Financial and Experian, XXXX XXXX, and XXXX will risk a lawsuit with the state and federal courts for damages of this illegal activity.
Product: Debt collection

The collection agency keeps giving me a verification instead of debt validation under FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  Unsecured loan with account # XXXX opened on XX/XX/2019 and a balance of {$25000.00} In accordance with the Fair Credit Reporting act. The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

This item is not allowing me to refinance my home and has an impact on employment. It is also affecting my credit score and making other creditor to lower my credit lines.
Product: Credit card or prepaid card

This complaint is about the Bank of America and our billing dispute for {$62.00} for the company called XXXX and XXXX ( the 2 companies are now one ). The XXXX XXXX Deals, sold and advertised directly on their site are special promotions, generally at about 50 % off and they must be pre-paid by credit card. Their ads are savvy and enticing, and they must be pre-paid! 

They entice consumers to try merchants who they might not know about, which is great for the merchants. I only contacted XXXX XXXX ( a home XXXX XXXX XXXX ) because of this XXXX XXXX Deal, and when they came, instead of honoring our pre-paid Certificate, we had to write a check for {$160.00}, so we did pay double and we WILL NOT do business with XXXX XXXX or XXXX ( XXXX recently bought their competitor XXXX XXXX ). We ( XXXX and XXXX XXXX were really angry and upset that we were " taken to the cleaners " by XXXX XXXX. 

SInce XXXX XXXX, XXXX, when our billing dispute began, Bank of America has repeatedly asked us to send in dispute forms ( duplicate request -- all 3 disputes the same because they are not understanding ) ... and we also have sent proof of duplicate payments 3 times now, and are dragging their feet on honoring our card-member agreement and somehow act as though, they want to close the dispute, falsely claiming that I have not sent enough proof that even with a PAID CHECK ( BOTH SIDES ) I re-send this to them today by mail, because BOA wants to believe whatever lies XXXX XXXX is telling them, in response to our billing dispute on our Bank of America visa for {$62.00} because their Service provider, XXXX XXXX when they came to our home for our appointment on XXXX XXXX XXXX, REFUSED to honor our XXXX XXXX deal that we bought just 10 days earlier. ( PLEASE SEE ATTACHED ALL DOCUMENTS AND PAYMENTS ). 

The problem at XXXX XXXX/ XXXX is they do not offer customer service. We do know how to read and understand all terms and when you have a problem, they are not customer service oriented the way they used to be, their " ONLINE CHAT "  system at XXXX XXXXXXXX XXXX website is time consuming and they aregue down their customers with an " upside down " customer service policy that promotes this type of Fraud & Abuse. 

Further, BOA, Bank of America, seems most interested in protecting the GIANT company, ( XXXX ) rather than their consumers. 
We want the CFPB and the FTC to investigate BOTH Bank of America and also XXXX XXXX / XXXX for FALSE ADVERTISING/ DECEPTIVE advertising policies and other violations of Federal law that protects consumers from FRAUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a complaint with The Consumer Financial Protection Bureau : Complaint # :XXXX-XXXX, concerning 4 inaccurate accounts reporting on my TransUnion Credit Report. Within 2 days I heard back from TransUnion in regards to the investigation that they where to preform. TransUnion 's response as to the investigation was full of flaws. TransUnion reported that it would take 60 days for them to conduct an investigation. But, the FCRA requires them the conduct there initial investigations all within ( 30 ) days. TransUnion also concluded that whatever the results would be. If I disagreed or just didn't like what it would take them 60 days to come up with on the inaccurate account. I would have to contact each creditor myself to obtain results. This meant I would have to do the job TransUnion is paid to do. This is TransUnion 's way of scaring consumer. Discouraging consumers from using the Consumer Financial Bureaus and other agencies sites to dispute inaccurate on there credit report. And directing them to their flawed online dispute website here. www.transunion.com/XXXX. Where they have limited dispute reasons that don't give you your reason for dispute. As a result I'm consulting with a credit attorney in addition. I will be contacting my attorney general to obtain additional violations that pertains too this matter. I'm Outraged! I'm IRATE! I've included a copy of there response in the pdf below.
Product: Vehicle loan or lease

After countess years of dealing with misinformation and incorrect statement information a repossession occurred. West Lake financial regained possession the vehicle.At this point I owe {$6000.00}. After sometime I noticed the balance increased to {$6100.00}. After reaching out several time to answers I was met with a court order. I was baffled because I no longer possessed the vehicle. The court date finally arises for myself and West Lake Financial. I am waiting for over thirty minutes. The judge dismisses the case due to a failure to show up ( West Lake Financial ). I was given court documents to prove it was dismissed. I received and alert from my credit monitoring service stating that the balance once again increased. The increase occurred between XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the date of XX/XX/XXXX, I checked my credit report as I normally do monthly. I noticed that i had inquiries appearing on my credit report that I was unaware of. I reached out to the credit reporting companies and was told to file a police report, in which I did and faxed it over. Unfortunately this issue has not been resolved. I have once again listed the inquiries that appear. 

XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Dear IC System : I hereby ask that you verify IC System claims concerning consumer materials conferred to the three credit CRAs for me, XXXX XXXX, for the suspicious account number XXXX, XXXX. Since damaging reporting errors may be vis-a-vis that reported data, I formally request that you document and send the formal validation on your letterhead promptly. Additionally please show that this account was not claimed as a loss with any insuring entity. This is not a request for a summary one-sheet. In lieu of that, I must requisition a full audit. 
If these reasonable demands can not be met during the month following receipt, data uploaded by IC System to the credit bureaus should be deemed wrongful and may evince a nullification of my consumer rights. Given that occasion, you must annul that bureau material directly. 
Thank you for IC System assistance in this regard.