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 didnt 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 for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following creditors have violated my rights : XXXX  XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Dept of Ed Dept of Ed XXXX XXXX XXXX never lived here ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Incorrect Name : XXXX  XXXX 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a letter to the United States Bankruptcy XXXX XXXX XXXX XXXX  requesting proof that they furnish bankruptcy information about consumers to CRA 's and on XX/XX/XXXX, I received a letter back from the court stating, " It is not in the policy to report to any credit reporting agency ( CRA ). Back in XXXX I begin submitting complaints to Lexis Nexis about an alleged bankruptcy that was reporting to my consumer report. By the end of XXXX, I was assured by customer service representatives that work for Lexis Nexis that this alleged bankruptcy XXXX was no longer being furnished to my consumer reports or in my consumer file. In XXXX of XXXX I submitted a complaint to the attorney General of XXXX  informing them of the " fraudulent '' and " alleged '' bankruptcy XXXX that was being furnished to my consumer file. On XX/XX/XXXX I received a notice from the Attorney General 's office of XXXX  that this complaint was sent to you and that your corporation had XXXX  days to respond to me. Throughout the year of XXXX, I consistently called and requested copies of my consumer file that showed that this alleged bankruptcy was not being furnished to my consumer file. 
However, my most recent consumer reports and consumer file show that XXXX XXXX is in fact furnishing this fraudulent information to my consumer reports and consumer files without permissible purpose which is a violation of my consumer rights! 
The alleged bankruptcy XXXX that is being furnished to my consumer reports and consumer file, is not only inaccurate but according to the FCRA XXXX unlawful and violates my right to privacy according to 15 USC 1681 a ( 4 ). According to 15 USC 1681 a ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect for consumers right to privacy which XXXX nor this third party has done! 
Not only is this account being furnished to my consumer reports illegally but this account does not follow XXXX reporting guidelines/standards when reporting any information that is furnished to a consumers consumer report. 
Please see the attached letter that was sent to the third party listed in addition to my consumer report which shows the violation according to the FCRA and XXXX compliance standards.
Product: Credit card or prepaid card

I closed my credit card at age XXXX, to avoid the predatory nature of credit cards, without education of the adverse effect on my credit history and would like this account removed from my credit report as a courtesy on my didactic journey to good credit.
Product: Mortgage

Past Due Property Tax Payment from Escrow Account. 

Loan # XXXX, XXXX XXXX & XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, RI XXXX. 

CROSSCOUNTRY MORTGAGE,XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX IL XXXX is the servicer of our mortgage loan at the above address. 

The City of XXXX sent us Past Due Notice Regarding Real Estate Tax for the year XXXX. 

According to the Initial Escrow Account Disclosure Statement, Property Tax to be credited by XX/XX/XXXX. Due to failure on their part, City of XXXX is charging {$140.00}. XXXX as interest. 

We sent a Notice of Error by certified mail on XX/XX/XXXX and they acknowledged the receipt of letter on XX/XX/XXXX. 


It is more than 14 days and we didn't receive any information. The deadline for Property taxes to be paid is today XX/XX/XXXX and at this time of writing XXXX XX/XX/XXXX the property tax is not credited to City of XXXX, RI
Product: Credit reporting, credit repair services, or other personal consumer reports

My compliant is against USCB XXXX  for reporting incorrect information on my reports. They keep reporting some accounts that are not accurate. Let this serve as a formal request for investigation for some incorrectly reported and invalid items which do not belong to me, were found on my credit report. I want my financial freedom back and it is my right to have your assistance. I've done the hard work, checking accounts against records and have made notes specific to each account, your job is simply to fix it. Im attaching a copy of a sc-100 as a last resource for this company to remove all accounts from my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ACCOUNTS that needs to be removed in my file : XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00}.
Product: Credit reporting or other personal consumer reports

Between XX/XX/XXXXXXXX  and XX/XX/XXXX, I observed my balance fluctuating from a credit limit of {$980.00} down to {$320.00}, returning to {$980.00} a few months later. I haven't used this card for transactions in the past three years, leading to inaccurate reporting. 

I have attached reports from XXXX reflecting the fluctuations
Product: Credit reporting or other personal consumer reports

I recently reviewing my credit report and it shows {$240000.00} in XXXX loans, which is more than double what I actually have. My loans were originally serviced by XXXX, but as of XX/XX/XXXX, my loan servicer is now XXXX. Instead of the XXXX loans showing up as transferred or closed, they showed up as open. I submitted a dispute on Experian on XX/XX/XXXX and received an email that my dispute was resolved. It is not resolved. The XXXX loans are still showing up on my report as open, but now they say Open/Never late. My loans need to say closed with a balance of {$0.00} since XXXX is now handling my XXXX  loan balances.
Product: Credit card or prepaid card

During this XXXX, when I went XXXX XXXX XXXX for car battery which was under warrenty and the auto shop worker confirmed me that it was under warrenty before I move the car to them for exchange this parts. 
However, late I found it was in my credit card bill, amount {$110.00}. XXXX XXXX XXXX XXXX fake on my receipt by put wrong plate number and fabricate charge such for food grocery ... ) immediately and I started to talk to XXXX XXXX, told them the truth, they issued charge back, but then one month late XXXX XXXX re bill to my account, I then went to local office of XXXX, submitted addition support of warrenty sticks by fax .. 
But dispute dept of XXXX XXXX changed my original claim number so that is the trick dishonesty to customer, by doing so the dispute dept guy Pretend not see my evidences a/o disconnected my submitted document Logically, so as result, they pretend not see the solid reasons of mine, And often they disguised not to received my supporting evidence. 
By the way, as I also contacted headquarter of XXXX. on early XXXX A higher lever managed told me they ( XXXX issued credit to me after Knew the auto dept cheating ), I asked XXXX, why change my XXXX number You know what I mean. correction?
Product: Checking or savings account

Washington Federal Bank : Double-dipping on insufficient funds fees when the same auto draft attempts another day. Additionally, excessive junk-fees overall. 

*** Can not provide statements as I no longer have access to records since closing the WaFd checking account.
Product: Credit card or prepaid card

On XXXXXXXX XXXX  {$1900.00} was withdrawn from my checking account with the notation " VENMO REPAYMENT '' followed by several digits. When I called Venmo I was told this was in payment for a VENMO Credit Card bill. I told them I do not have a VENMO credit card. Subsequently I received a VENMO Credit Card in the mail that I did not request. A fraud complaint was created at that time. On a later phone call VENMO advised me that they would be sending me a refund soon. None came. Additional phone calls to VENMO resulted in them referring me to Synchrony Bank for a refund. I contacted Synchrony and was told the fraud claim had been approved and they needed the bank statement and address faxed in order to send the refund check. On XX/XX/2023 I faxed the requested items. After three weeks no check arrived. I called Synchrony again and was told that they could not accept FAXED documents and that I would need to MAIL the requested documents and information which I did on XX/XX/2023. After waiting 15 days as advised, still no check. I just called Synchrony Fraud Dept again and was told they don't show a record of having received the mailed documents and I should call back again in 3-5 days. I confirmed that they had been send to the correct address. It has been over 3 months since this happened and I have been told 3 times to expect the refund in 2-3 weeks and still nothing!
Product: Checking or savings account

TD Bank NA failed to disclose the requirements to avoid a monthly maintenance fee for the Simple-Savings account at time of opening the account in XXXX XXXX 2016. The $ XXXX monthly fee had been waived for the duration of my account during the first 12 months because I made sure to maintain a linked checking account with a savings deposit of {$25.00} per month to the savings account. There was no minimum balance requirement, and at no time did this account exceed {$100.00} during this period and no fees where charged.
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After the first 12 months, the bank began charging {$4.00}. The only mention of this change in the opening account agreement was that the avoidance requirements expire after 12 months. This text was printed in small type on page 20 of the 30 page personal account agreement document. The maintenance fee avoidance policy published the bank 's website today specifies a minimum balance of {$300.00}. This introduction of a minimum balance requirement was rolled out silently since I opened the account. Had I been notified in writing beforehand, I would have either deposited more funds to meet the new minimum or closed the account. Had the details of the first 12 month expiration been clearly explained, I would have complied or decided against opening an account under such terms.
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I believe the {$8.00} withheld from my account over the last two statement cycles is unfair and constitutes bad faith dealings. The fee schedule was not clear when I opened this account. Opening the account without full and advanced knowledge of the future fee structure following the first 12 month period results in unexpected charges that are an unplanned for burden on the savings account holder. Multiplied by all the account holders in my situation, the bank has effectively increased its revenue and capitalization simply by changing its policies surreptitiously without full consumer consent.
Product: Credit card or prepaid card

XXXX XXXX sent not only one card ending in XXXX, but a SECOND card ending in XXXX I DIDN'T request, thereby mishandling my consumer data. On XX/XX/19 company requested closure of both cards, but demonstrated on past occasions an inability to do so. This is a deliberate attempt to deny access to future cash loaded, charge inactivity fees to XXXX balance as I will NEVER load either card. XXXX XXXX
Product: Debt collection

Diversified Consultants have acquired a debt that belonged to a company, which I currently have XXXX lawsuits against, XXXX XXXX XXXX for a very similar matter. 

XXXX of the many problems that I have with the handling by Diversified is that they have re-reported a debt onto my XXXX Credit Report that XXXX XXXX XXXX has removed. Furthermore, I have been advised by counsel that Diversified has violated the TCPA, FDCPA, and the FCRA. 

Furthermore, Diversified Consultant contacted me for the first time by phone XXXX/XXXX/2015. I told the rep to kindly contact me by mail only as he was calling me at work. 

XXXX/XXXX/2015 Diversified Consultants called again, I kindly told them AGAIN to not contact me by phone because I was at work and to please correspond by mail only. When I asked the gentleman to please mail me, he said with an attitude " well do n't you want to know what this is about '' and continued ... until I cut him off and said once again please contact me by mail.
Product: Credit reporting or other personal consumer reports

DEAR XXXX, EQUIFAX AND XXXX, THE INACCURATE INFORMATION ON MY CONSUMER REPORT THAT I HAVE BEEN DISPUTING WITH YOUR COMPANY KEEPS COMING BACK " VERIFIED '' OR " UPDATED ''. EVERYTHING VERIFIED SHOULD BE UNDER OATH!!!! I HEREBY DEMAND YOUR COMPANY TO PROVIDE ME UNDER PENALTIES OF PERJURY PURSUANT TO 28 USC 1746 WITH THE FOLLOWING VERIFIED DOCUMENTARY EVIDENCE OF THE NAMES AND ADDRESSES OF THE PERSONS WHO YOU'VE DONE THE RE-INVESTIGATION WITH INCLUDING EXACT TIME AND DATES THE INVESTIGATIVE REPORT WAS DONE. PLEASE BE ADVISED FAILURE TO COMPLY WITH MY REQUEST SHALL PUT YOUR COMPANY IN LEGAL TROUBLE XXXX, XXXX XXXX ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

Some one emailed me about a debtor and claimed I owned the property money when I dont because I wasnt living at the property no more once my lease was up and the property manager stated that she wasnt renewing my lease.
Product: Credit card or prepaid card

On my XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX statements card ending XXXX there were charges that I disputed under case number XXXX. After the card ending in XXXX and was closed XX/XX/XXXX I continued statements until XX/XX/XXXX balance XXXX and charges on this closed account. I paid off the balance on the account XX/XX/XXXX when I reported the fraud. I was given a new card ending in XXXX. The 1st statement XX/XX/XXXX showed fraud again with the same company charge as before. I disputed the XX/XX/XXXX charge for XXXX on XX/XX/XXXX.. A credit balance came for XXXX on XXXX card ending over payment. I received more statements with this account number after the XX/XX/XXXX closure date. XX/XX/XXXX fraud occurred again showing as XX/XX/XXXX XXXX XXXX 2 charges XXXX and XXXX these were disputed on XX/XX/XXXX. On XX/XX/XXXX card ending in XXXX was closed at my request due to fraud on XX/XX/XXXX statement which I had filed a dispute on twice. At this time XXXX rep for First Progress stated the was a card ending in XXXX issued in XXXX. I informed him I did not receive the new card and requested it closed and reissue new card. I changed my mailing address and asked him to confirm it is now as of XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX. He stated the address was not this and XXXX requested it be changed now.
Product: Credit reporting

My identity was stolen and this company sent me a letter refusing to block information but has not responded to my request for a request for the results of the investigation. I doubt an investigation was even done.
Product: Credit reporting or other personal consumer reports

I am not affiliated with the creditors listed and these inquiries do not belong to me.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX  XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 XXXX
Product: Debt collection

XX/XX/20 A message was left on a co-workers phone stating to call a debt collector. When he called them back. medcah, Inc provided all of my information of my medical bills owed and electric bill owed but was paid off. XXXX tried to collect the debt by asking for a credit card payment. Im not sure how XXXX got his phone number because she has my phone number. I spoke with her two weeks ago regarding the amount she mentioned and requested a list of all account numbers so I can verify  these are in fact my bills. I never received a letter from Medcah. This has caused me major stress and anxiety. I am embarrassed that XXXX provided someone who has nothing to do with my bills all my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items on my credit report that I believe are inaccurate and harmful to my credit score. I request that you investigate and remove the following items from my credit file : XXXX XXXX XXXX Account Number : XXXX I have no recollection of ever being late with any of my payments. I am interested to know how you were able to verify something that never actually happened. I request that you remove this incorrect data from my credit file immediately. 

XXXX XXXX XXXX XXXXXXXX - Account Number : XXXX I have no recollection of ever being late with any of my payments. I am interested to know how you were able to verify something that never actually happened. I request that you remove this incorrect data from my credit file immediately. 

XXXX TX - Account Number : XXXX XXXX TX - Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  - Account Number : XXXX I have no association with these companies and do not recognize these accounts. I am interested to know how you were continuously able to verify these accounts. I request that you remove these frivolous accounts from my credit file right away. 

XXXX - Account Number : XXXX I have no recollection of ever belonging to this account. It is not possible for you to update an account that I have no association with. I request that you remove this frivolous account immediately from my credit report. 

XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX  - Account Number : XXXX These accounts have been charged off and should not have any payment history. I am interested to know how you were able to verify payment history on these accounts. I request that you delete these accounts from my credit file immediately. 

U S DEPT OF ED/XXXX XXXX Account Number : XXXX U S DEPT OF ED/XXXX - Account Number : XXXX U S DEPT OF ED/XXXX - Account Number : XXXX Please review the transfer dates on this account, as the late payment history may be inaccurate. Furthermore, I have no recollection of belonging to these accounts. It is not possible for you to update an account that I have no association with. I request that you remove these frivolous accounts immediately from my credit report. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. Thank you for your cooperation. 

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

There are multiple accounts that are showing up on my credit report that should not be showing up. According to the IRS if an account is charged off, it is considered income for me and I have to file taxes on it. Income can not be reported on my credit report. These are the laws if whoever is reading this is unsure. Feel free to check with your legal department. They will agree with me and these accounts should all be removed from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( both of them ) There are also fraudulent hard inquiries. I did not give the banks or anyone else permission to access my credit report. I've contacted the banks and explain the situation, and they all agree that the hard inquiry should not be on there. And most of them tell me I should contact the credit reporting agencies to request that they be removed. Feel free to reach out to the individual banks To confirm that these are fraudulent inquiries XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  credit card Again, feel free to reach out to the banks directly after confirming all of my information I agree that these fraudulent inquiries that should not be showing up my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX : 1. DPT EDXXXX XXXX Balance Owed : {$2300.00} 2. DPT EDXXXX XXXX Balance Owed : {$10000.00} 3. DPT EDXXXX XXXX Balance Owed : {$5500.00} 4. DPT EDXXXX XXXX Balance Owed : {$3200.00} 5. DPT EDXXXX XXXX Balance Owed : {$5500.00} 6. DPT EDXXXX XXXX Balance Owed : {$10000.00} 7. DPT EDXXXX XXXX Balance Owed : {$4700.00} 8. DPT EDXXXX XXXX Balance Owed : {$4600.00} 9. DPT EDXXXX XXXX Balance Owed : {$10000.00} 10. DPT EDXXXX XXXX Balance Owed : {$1700.00} 11. DPT EDXXXX XXXX Balance Owed : {$4900.00} 12. DPT EDXXXX XXXX Balance Owed : {$5700.00}