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 services and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, CashApp 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 los, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting or other personal consumer reports

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 XXXXXXXX Ftc # XXXX Cfpb # XX/XX/year> Dear XXXX XXXX XXXX, I, XXXX XXXX, am submitting this complaint on my own behalf, without third-party representation, to address issues related to identity theft and inaccuracies in my credit report. 

Attached are a new Identity Theft Report and a Consumer Financial Protection Bureau ( CFPB ) complaint. Additionally, I am formally disputing erroneous information that has negatively impacted my credit profile and resulted in a recent denial of credit. 

Despite my efforts to improve my credit standing, XXXX continues to report inaccurate and outdated information, which has significantly harmed my creditworthiness and restricted my access to essential financial services. These errors are preventing me from securing loans, renting properties, and accessing other critical financial resources necessary for personal and economic advancement. 

I am requesting an immediate review of my credit report, correction of the inaccuracies listed below, and an update to my credit score. Given the far-reaching consequences of these errors, I trust that this matter will be handled with the urgency it requires. 

The accounts in dispute are as follows : Accounts XXXX XXXX XXXX XXXX XXXX XXXX {$7800.00} I trust that XXXX will address this matter promptly and comply with all legal obligations. Please provide a written confirmation of your investigation and resolution. Should you require any additional information, do not hesitate to contact me at the address above. 

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

In accordance with the Fair Credit Reporting Act XXXX Account # 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. Also states a consumer reporting agency can not furnish an account without written instructions or my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX 'S XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXXXX/XX/2022 XXXXXXXX XXXX XXXXXX/XX/2022 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 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
Product: Credit reporting or other personal consumer reports

Did not consent to unauthorized inquiries the inquiry was not authorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX XXXX. I no longer have debt, make no payments, do not have any credit cards. I use only XXXX debit card. I own my XXXX homes, XXXX cars, furniture and appliances. 

I want to make some minor home improvements. XXXX XXXX was asked by my contractor to open a loan for me to do the work. 

XXXX contacted Experian for a credit score. Experian said they have no file on me. 

XXXX denied the loan request. 

I can easily prove I have been a responsible debt payer ( utilities, healthcare, taxes etc ) for about 60 years. And previous had mortgage and car payments as well as XXXX credit cards. 

I want Experian to issue a Credit Score for me.
Product: Checking or savings account

They randomly closed my account and wont tell me why or whats the reason. I cried my eyes out cuz I get paid in 2 days and have no idea whats gon na happen with my paychecks. They just told me theyre closing it because of fraud but it was nothing fraudulent going on. Nobody will help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine.These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX {$700.00} XXXX {$100.00} XXXX {$440.00} XXXX {$87.00} XXXX {$17000.00} XXXX {$9300.00}
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX Date XXXX Inquiry XX/XX/2023,
Product: Vehicle loan or lease

I called XXXX ( XXXX ) XXXX after checking my account. When I left the dealership my salesman stated that I wouldn't have to pay my first payment until XXXX of XXXX. Due to that fact of still looking for financing. I said ok and left with sales receipt. In XXXX I decided to call about my payments being that I haven't received anything from them in the mail about payments or financing. When I called their customer service number with a representative stating that I hwas behind since XXXX. I was devastated because I asked the sales rep. Explaining the situation I stated that I would make a payment on XX/XX/XXXX of {$790.00} and I would make another payment XX/XX/XXXX of {$500.00}. The rep stated ok that would bring your account down from the balance. I said great and hung up. After checking my balance a couple of the {$790.00} payment I still didn't see it posted to my account so I called again asking why wasn't my payment posted? The rep stated that he didn't see it and that I should call my bank to verify. So I called XXXX XXXX XXXX XXXX on a XXXX Way call so that the rep could also hear the conversation, and XXXX XXXX the missing payment of {$790.00} stating XXXX XXXX With their number attached of XXXX ( XXXX ) XXXX on XX/XX/XXXX that posted XXXX the XXXX. The rep still said he couldn't see the monies and for me to fax to XXXX ( XXXX ) XXXX a statement from my bank with the letterhead, my account # and write the amount of the missing payment on the paper as well. The information was sent XX/XX/XXXX at XXXX, my confirmation id # is XXXX. After waiting all weekend I called Monday the XXXX and they still stated that they haven't received it and adding ridiculous fees more by the day. My proof is attached can you please help get my credit and fees taken off.
Product: Debt collection

In XXXX, XXXX billed me {$99.00} for a repair to an apartment I rented. I did not receive that as I moved out of state and it ended on my credit report with fle # XXXX .... for {$360.00} filed by Hunter Warfield. 

I discovered this in XXXX when I was applying for credit for a new home. I contacted XXXX XXXX who agreed this was their error and they had this deleted off my credit account. 

Then today, I discover that in XXXX, Hunter Warfield placed it against my credit again giving it a new amount and a new case number. File XXXX .... {$390.00} I spoke to XXXX and XXXX both of whom say because they changed the file number and amount, it appears as a new claim when it 's the old XXXX. They can not delete it because it appears as new again. 

They suggested that I contact you to get this removed and to stop Hunter Warfield from continuing to do this. 

Thanks, XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Despite many attempts to rectify this issue, the fraudulent entries persist, causing significant harm to my financial reputation and XXXX  This repeated failure to address the issue adequately is unacceptable and has caused immense stress and hardship. It is imperative that these fraudulent items are promptly removed to prevent further damage to my financial well-being and to safeguard against potential identity theft or financial fraud. Furthermore, I request transparent communication throughout the resolution process and regular updates on the progress of the investigation into these fraudulent items. It is crucial to restore confidence in the accuracy and reliability of information reported on credit reports. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Miscellaneous and public record XX/XX/2024 ; XXXX XXXX XXXX XXXX XXXXXXXX, CT XXXX ; XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance XXXX {$6600.00} ; XXXXXXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 I spoke to a rep from Comenity Bank named Mr. XXXX, I wanted to dispute this fraudulent information that was being held on my credit report, the representative accused me of lying about the account being fraudulent. He stated that since the account was being paid with a XXXX XXXX account that I was obviously lying about the account not being mines, when I asked for his ID badge he refused and cut the line. So called back and spoke with someone else who sent me fraud report. My dispute started XX/XX/19, the rep informed my the dispute investigation takes from 45 days to 90 days to complete. On XX/XX/19 I sent the letter off to the XXXX, OH address, along with my IDF report and police report number. I called on XX/XX/19 and was told the letter have not been received yet and to call about the following Tuesday. On XX/XX/19 I spoke with another rep named XXXX, Badge # XXXX, I asked if they have received the letter yet, he told me their is no way for him to know if it came and I would have to wait until the dispute was over. Then he turned around to told me the disputed ended on XX/XX/19 and they found that i was responsible for it, but yet they didn't receive my reports and and its only been about 20 days since the investigation started. When I asked can resend my documents, he told me that since they found I was responsible for it, they never investigate this account again and I will have to pay the full balance. He told me anyone can make a police report and put their name on it, he accused me of making a false police report which a criminal offense in the state of IL. Why would put my career and schooling in jeopardy over {$500.00} by making a false report. I just want Comenity Bank to know these are the type of UNTRAINED and UNPROFESSIONAL people working for them, and a reminder from those SAME people and OTHERS to NOT give their input on things they DO NOT know about. Comenity should also know refusing to take this item off my credit report is violating several laws and Credit acts. They have lied time and time again, I have everything documented this bank needs to be shut down immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX Credit Card shows twicw on my Equifax credt report. It shows for XXXX, XXXX and for XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain hard inquiries that have appeared on my credit report obtained from your agency. After reviewing my credit report, I have identified the following hard inquiries that I know are inaccurate and should be removed : -- -- -TransUnion XXXX -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a call today from XXXX. The gentlemen I spoketo stated they wanted to do a settlement over the phone I said no I need it in writing. He took this as a refusal and stated that they will be filing a suit and the IRS will XXXX me. I also told him the attempt to collect a debt is past the statute of limitations he did not seem to care and continued to harass me about the settlement of the debt. I was then told that something on paper could be mailed to me once the settlement had been approved and agreed to. I was also told nothing else could be mailed out because letters were already sent to my address. Which were not.. After getting off the phone I received XXXX more calls and a voicemail from the same company mind you I had returned the first phone call. As I called a second time to let them know this was already discussed a women told me I blantently lied stating she shows I talked to someone on XXXX XXXX and its not possible I talked to someone today as that person was out because of the birth of a child. Of course I was angry. Upon looking these folks up I have come to the decision practices like this need to be stopped and the FDCPA enforced. I will take further action against said company as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint as a follow up CFPB to my previous CFPB Complaint that I have submitted. Under the Fair Credit reporting Act section 605b, the Credit Reporting Agencies are required to remove the fraudulent accounts and information from my Credit File, and yet the Credit bureaus have done nothing! I have also been requesting that the Credit Bureaus send me copies of proof of verification or proof of ownership to verify that the information being reported are velid. However, the Credit Bureaus have sent me nothing! This CFPB Complaint is to inform the Credit Bureaus that I am willing to file a lawsuit against the Credit Bureaus in the event that the Credit Bureaus do not comply with the Federal law. Once again, I am requesting that the Credit Bureaus remove the following accounts and information completely from my Credit File : 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 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 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 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 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 XXXX XXXX. The Credit Bureaus have been failing me for the last months and I have suffered due to their incompetence. In the event that the Credit Bureaus do not comply with the Federal Law, expect a lawsuit against the Credit Reporting Agencies.
Product: Credit reporting or other personal consumer reports

Informed of ID theft via USPS 1st class certified Company refuses to verify debt per FCRA
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax regarding their inadequate investigation of a dispute I filed about incorrect information on my credit report. Despite providing substantial evidence, Equifax failed to address and rectify the inaccuracies in my credit file appropriately. Specifically, the disputed account XXXX XXXX : Account number : XXXX, Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

XXXX XXXX : Account number : XXXX, I was never late on this account and should not be reporting closed. Please look into this late payment and ensure that it is updated as paid. 

XXXX XXXX : Account number : XXXX, Please delete this account from my report. There are many inaccuracies. Clarify this information to me or delete this account immediately from my credit report. 

XXXX  : Account number : XXXX, Please delete this account from my report. There are many inaccuracies. Clarify this information to me or delete this account immediately from my credit report. 

XXXX | XX/XX/year> : Account number : N/A, This is inaccurate. This inquiry is unauthorized. Delete this inquiry immediately. 

XXXX | XX/XX/year> : Account number : N/A, This is inaccurate. This inquiry is unauthorized. Delete this inquiry immediately. Equifax 's response was a generic form letter that did not address the specific issues or evidence I provided, indicating a lack of a thorough investigation as required under the Fair Credit Reporting Act ( FCRA ). These inaccuracies have significantly harmed my creditworthiness, impacting my ability to secure credit and favorable financial terms. I request the CFPB to investigate Equifax 's handling of my dispute, ensure a proper investigation is conducted, and mandate the correction of any inaccuracies in my credit report. Attached are copies of all relevant correspondence and evidence. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

My credit reports are extremely inaccurate and nothing ever changes
Product: Debt collection

Jefferson Capital Systems LLC ( XXXX ) XXXX >>> XXXX XXXX<<< This is a wonderful company That Almost Predatorayl Parks debt on my credit report RANDOMLY. They make No attempt to collect a debt ( my phone numbers up to date as my adress ) They mail nothing and they report " New '' account from 9 years ago that have been taken off my credit.
Product: Debt collection

Portfolio recovery company has a debit in my name. Never heard from this company.i would Like this removed from all 3 credit bureaus immediately. Its not my debit I do not owe them any money. I request that they remove this debit i
Product: Credit card or prepaid card

I have been a BBVA Compass Credit card holder for about a year and in XXXX and XX/XX/XXXX, I made some early payments with the thought of covering my upcoming big credit card charges. 
BBVA put a freeze on my card due to large credit balance. 
I contacted the bank multiple times in XXXX to allow me to process charges. Their customer service said there is nothing wrong with credit card and I can use it. But whenever I tried to use in stores, I get a decline. 
I made an over payment of {$11000.00} Tired of my money getting blocked, I asked the CSR if I cancel the credit card, will they refund the credit balance and the CSR said yes. Hence, I went ahead and cancelled the card in XXXX. 
But I still did not get the refund. 
After numerous calls, in mid-XXXX XXXX, they said they sent me a check. My online statement showed a line item as 'Credit Balance Refund ' of {$11000.00} on XX/XX/XXXX but I never received a check. 
I continued to make the calls. In XXXX, I was able to speak to one representative XXXX who was the only CSR out of 20+ reps I talked who was at least tried to make an effort to resolve it and he gave me his extension. 
He said that they sent the refund to 'Check Free ' who I used to send payments from XXXX XXXX bill pay service. But they were unable to provide me any tracking number. 
When I contacted check free, they could not find any refund and they asked for tracking information. 
BBVA has no tracking number, no details other than saying they sent the refund to Check free. 

1. I made 50+ calls, talked to 20+ people at BBVA and spent 50-80 hours either talking or on hold. They do not have any call logging or conversation tracking system. No one has any idea about previous history. I do not understand how a bank in XXXX has no call logging, no trace or money transfers and still exist as a financial business. They should be shut down long time back due to lack of these basic features. 

2. My money is blocked for 6+ months and they are not helping.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information from my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. 

WELLS FARGO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021