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 violates 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 Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

11 traded in this vehicle on XX/XX/2022. The company XXXX I traded in the vehicle to verified on 3 different occasions on a recorded line from XXXX of the pay off amount for the vehicle being {$4800.00}. The vehicle has been paid off since XX/XX/2022 and this account is still showing up on my credit report. I went on the website to my online account and my payment history had been erased and a new amount is coming back as owed and is stating not allowing payments. At this time I want this account to removed immediately off my credit report due to reporting inaccurate information and fraud. My wife contacted Experian on XX/XX/2022 for an update on dispute and spoke with XXXX she was told that Experian relies on hearsay for disputes they only ask the creditor if the information being disputed is correct. I uploaded documentation that this account was paid in full and they did not remove account. The specialist was told at the beginning of the call was being recorded and I was using as evidence. Once my wife reminded him again he acted as if there was errors on the line instead of rectifying issues. She did tell him that I would sue because they continuously report in accurate information that I submit proof for that account is not mine or was paid off. I have several items remaining on my report that needs to be removed or I will seek legal action and sue for the maximum amount that the FCRA allows.
Product: Credit reporting, credit repair services, or other personal consumer reports

Three letters disputing inquiries as not mine. At no time have a written or visual authorization been submitted by me. This 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   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
Product: Consumer Loan

I was charged {$14000.00} for a {$3000.00} vehicle with a payment of {$410.00} per month. Also, I under paid a payment by {$19.00} and have been constantly harassed and threatened by XXXX XXXX  and peoples commerce.
Product: Credit reporting or other personal consumer reports

An unauthorized appeared on my credit report this morning, and I have no clue why. I checked my report like I always do, but this time there were random discrepancies. I tried refreshing my browser to see if it was an error, but it wasn't. The unauthorized inquiry stayed even after I refreshed. Because of this, I request a thorough check of the documents I've sent so I can stop worrying about this.
Product: Credit card or prepaid card

Amazon Prime Store Card issued by Synchrony bank has been charging me a Security fee without my permission. 

This has been going on since i opened the card XXXX of this year.
Product: Debt collection

On. XX/XX/2020 I wrote a letter to Nationwide Credit , Inc . Claiming the account with XXXX ending in XXXX was not mine and I was a fraudulent account open under my name. On XX/XX/2020 I received another collection notices from them. Since I am a victim of fraud they should not be harassing. me with fraudulent accounts. They should investigate and not seeking payment and violating my rights. Most of all ignoring my request.
Product: Credit reporting or other personal consumer reports

I have no knowledge of these accounts or applying to any of these accounts. 

Dear XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Hi my name is XXXX In XX/XX/2021 I got an apartment in XXXX. As this was during covid I did not know my company jokes would reduce. I was not able to pay for the apartment. So I went to the manager of the company and told them the situation and they said they wouldn't charge me. However 6 months later I got a collections for XXXX dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Accounts : : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Utility Bill, drivers license, and W9 for Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Transunion not blocking these accounts is inadvertently resulting in me being extorted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are reporting 8 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion reinserted fraud accounts removed in credit dispute without 5 day notice they are not mine illegal fraud accounts opened illegally by criminal i sent them identity theft report and they removed then reinserted with out 5 day notice illegal activty by transunion
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX 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 I looked at my Equifax credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of information in my report was inaccurate. I sent it to all the credit reports, asking them to investigate and verify my files. That information, however, is still being shared and affects my credit. The credit bureau did nothing to remove the incorrect information listed below as a result. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, WI XXXX
Product: Payday loan, title loan, personal loan, or advance loan

ONE MAIN FINANCIAL- XXXX IL Gave initial loan for {$7000.00} roughly. Through a multitude of years I have paid back over XXXX and their claim is I have paid -3 %. Out of the total balance. I would like to report this as theft and complete predatory lending. This is all after having multiple customer service and payment issues such as automatic payments, that lead to a forced refinance and increased APR.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize XXXX XXXX XXXX  XXXX XXXX to do a hard inquire on XX/XX/. I think this may be fraud. I want this removed from my credit report. I attached the fraud report.
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 los, I seek appropriate redress for these violations.
Product: Checking or savings account

I opened a Truist Checking Account on XX/XX/year> with promo code : XXXX and met all the requirements and still have not received my {$400.00} bonus promotion as stated.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> i received a call stating I could get some extra money in my pockets at no extra cost to me! So a I called Atlas credit co. And we initiated the process with no one explaining to me that it would start my loan balance over, so when I made my next payment no asked my balance it was at XXXX when the last time it was at {$450.00} and I only received {$190.00} so after that interaction I asked for a manager because I said they manipulated me into renewing my loan unknowingly and to me they said whenever she has time she will contact me an never did.
Product: Credit reporting or other personal consumer reports

XX/XX/2022 I obtainted a new XXXX XXXX with XXXX credit which made a legal inquiry on my report, somehow, all these other inquiries were made which i did not apporve of, I have tried disputing these through the credit bureaus but not getting anywhere. 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX unsure why this is showing twice - XXXX of XXXX XX/XX/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

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) 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 CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters to Experian disputing the inaccurate reporting of the following account : XXXX Account # XXXX They are reporting this as an " Auto Loan '' and the contract from XXXX clearly states it was a Motor Vehicle Retail Installment Sales Contract ( See attached document ). 
Experian 's last response on XX/XX/2021 verified all information being reported was accurate and correct ( See attached document ) Inaccurate reporting is a FCRA violation. 
They have failed to perform a complete and proper investigation! My credit rating is very important to me and this is unacceptable in the middle of this Pandemic!
Product: Credit card or prepaid card

Netspend card send one prepaid card {$1000.00} active but dont have money, n now have inters
Product: Debt collection

This account was originally XXXX XXXXXXXX XXXX XXXX XXXX a fraudlent account opened with my personal information years ago. my wallet was stolen and car broken into with not only my personal information such as social security card, drivers license, and other personal information. not only mine but my entire families social security cards was in my wallet that was stolen and discovered the morning of my baby shower. other bureaus have done there investigation, and properly deleted this inaccuarate, none valid debt that NCA/ National Credit Adjusters keep reporting and they fail to Follow Suit and stop reporting and XXXX fail to delete and remove as XXXX has done so. 

NCA/ National Credit Adjusters original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX ( I did not open an account with them nor The XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  ) Account Status reporting : OPEN and it's not an open account type reporting : -- Remarks : Account information disputed by consumer, meets FCRA requirements amount showing and reporting : {$440.00} none valid because when I originally found out about this fraudulent account opened in my name the original creditor XXXX XXXX informed me that it was a {$300.00} secure card that was opened and it used my information. This account been deleted and removed, then NCA ( NATIONAL CREDIT Adjusters ) come with reinsertion. 

XXXX and XXXX has failed to stop reporting this inaccurate, fraudulent information to my credit profile and has failed to do so for over 3 years now. 

Reinsertions have happened as well regarding this same 1 fraudulent account. I have screenshots as well. They try to gain extra money from me a well and has hindered my financial capabilities because of this faulty systems they have. Defamation to my character because I believe in paying my bills as long as they are truly my bills.
Product: Credit reporting or other personal consumer reports

MY INFORMATION WAS INVOLVED IN A DATA BREACH PLEASE REMOVE ALL FRAUDULENT INQUIRIES, ADDRESSES, CLOSED ACCOUNTS AND NAMES AS I HAVE NO KNOWLEDGE OF THEM IN ACCORDANCE TO FCRA 605B THIS INFORMATION MUST BE REMOVED AND BLOCKED FROM MY REPORT WITHIN 4 BUSINESS DAYS. 1. XXXX XXXX XXXX XXXX {$1800.00} 2. XXXX XXXX XXXX {$1800.00} 3. XXXX XXXX XXXX XXXX {$6600.00}, 4XXXX XXXX XXXX XXXX {$200.00} 5. XXXX XXXX {$720.00}. PLEASE REMOVE FOLLOWING ADDRESSES AS THEY ARE NOT ACCURATE XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AND ANY NAME THAT IS NOT XXXX XXXX XXXX. THE FOLLWING CLOSED ACCOUNTS NEED TO BE REMOVED 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX. 3. XXXX XXXX XXXX XXXX
Product: Student loan

I attempted to pay off a loan on my loan servicer website ( Edfinancial ). The unpaid principle started at {$1600.00} with a 5.5 % interest rate. A total of XXXX payments have been accepted ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX total of {$4300.00} ) and the money has been taken out of my bank account linked. All XXXX payments have confirmation emails and numbers from Edfinancial. However, none of the payments show on my account summary on Edfinancial. The money has been charged to my bank account yet none of the payments have appeared on my Edfinancial account. It states that I have not made any payments. 

Edfinancial account # : XXXX Payments : Payment confirmation # : XXXX on XX/XX/XXXX for {$1100.00} Payment confirmation # : XXXX on XX/XX/XXXX for {$1600.00} Payment confirmation # : XXXX on XX/XX/XXXX for {$1600.00} Total : {$4300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXX XXXX Balance : {$13000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was alerted Friday morning ( XX/XX/22 ) from TransUnion of a lender trying to run my credit that I did not authorize let alone apply to. I've been XXXX for almost XXXX XXXX years now and not able to work. I've had my credit reports frozen all this time for that reason alone. Up until last month I decided to try unfreeze my TransUnion account because I've finally started receiving social security. 

Guess I thought wrong because this happened. Turns out the lender that tried running my credit and took me down XXXX pts is XXXX  XXXX ... .a company I've had years ago and closed out with and am done with. Bottom line is I'm really not happy about this because I've worked hard to get out of debt after being screwed over in the past by another person i thought i could trust and I'm not about to have this stop how far I've come now all because i tried to get things back on track for myself. 

Someone has to ruin it for me somehow ... ..I just would like to have some help getting this fixed please!! I'm begging you I'm in need of help to reverse what's been done please and get my credit score fixed?!? Thank you for your time it'd be greatly appreciated.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TRANSUNION XXXX XXXX XXXX XXXX, PA, XXXX To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.l received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
there is some inaccurate information reporting XXXX XXXX Account # XXXX Delete from my credit report. 
15 U.S. CODE 1692e - False or misleading representation XXXX XXXX BANK XXXX Account # XXXX Delete from my credit report. 
15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX  Account # XXXX Delete from my credit report. 
there is some inaccurate information reporting XXXX XXXX XXXX  Account # XXXX Delete from my credit report. 
15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account # XXXX Delete from my credit report. 
15 U.S. CODE 1692e - False or misleading representation RIGIT / XXXX XXXX Account # XXXX Delete from my credit report. 
15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXXXXXX XXXX XXXX Account # XXXX Delete from my credit report. 
there is some inaccurate information reporting XXXX XXXXXXXX XXXX XXXX Account # XXXX Delete from my credit report. 
15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX Account # XXXX Delete from my credit report. 
there is some inaccurate information reporting XXXX XXXX XXXX Account # XXXX Delete from my credit report. 
I was also wondering if you were familiar with something called 15 U.S.C. Sec.

1681i ( a )? I heard that if you can't provide proof, then these accounts must be deleted. If you are not able to update as per requested I expect all the accounts deleted immediately. 
It is also to my understanding that I am entitled to an updated credit report as well as anyone who has inquired to obtain my credit report in the last 6 months. Please send me a copy of the updated report to the address I have provided. 
Also, send a copy of the updated report to all who inquired on my credit in the last 6 months. 
Lastly, you have 30 days to complete this investigation, as per Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. 
Thank You, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a fraud on my credit report through XXXX XXXX .I contacted u all and it was deemed fraudulent after u guys investigated it.I sent a copy of the message I got from the CFPB and sent it to Transunion and they are saying after their investigation its accurate.The acct was XXXX XXXX   which was sold to XXXX XXXX XXXX XXXX.
Product: Mortgage

during the process of calling Mr. Cooper Mortgage company, I was notified that the company was giving my information to third parties without my consent. I called and corrected this information, but they should have not been doing this without my permission or consent.