23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On multiple occasions, I experienced unauthorized transactions through Cash App. These transactions were not authorized by me, and despite numerous attempts to contact Cash Apps customer support via their listed XXXX number, I was unable to reach any representative to address the issue or dispute the charges. 

Additionally, the lack of adequate customer support and functional assistance channels left me unable to recover the funds taken from my account. This situation has caused significant financial and emotional distress. I believe Cash App failed to provide proper security measures to protect my account and has not followed through on its responsibility to assist me in resolving this matter. 

I am requesting a full refund for all unauthorized transactions and the amounts that should be rightfully credited to me. I can provide further details or evidence regarding specific transaction dates and amounts if necessary. 


Probably over {$6000.00} In fees and in non refunds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/XXXX, there was a government shutdown which affected my business tremendously. I am a XXXX XXXX XXXX and I do a lot of XXXX and XXXX XXXX XXXX XXXX. Because of the shutdown, HUD and all of the government agencies were all closed which caused all of my loans not to fund. I work on 100 % commissions, so this halted ALL of my income that I make. I spoke to someone at XXXX and they told me that since my business was affected by the government shutdown, they would extend my payment for 60 days and that I would not be reported late on my credit report, I was assured of this. 

Once the government opened up towards the end of XXXX, my loans were able to move forward toward closing and once they did, I paid the TOTAL balance off. 

Well, a few months later after checking my credit, I saw that I had a 30 day late on my credit, and they did not follow through with they told me. They actually said I was 60 days late which was not true, and ALL of the bureaus were reporting a 30 day late except XXXX was reporting a 60 day. I looked even on my XXXX online account and XXXX was showing online a 30 day late on my report NOT a 60 as XXXX was the only one showing. 

I spoke to a few people even a supervisor complaining about this and they said they can not legally take it off because it was not XXXX fault which I completely disagree with. 

I have never, never been late on XXXX except for when the government shut down, and I have paid them at least XXXX to XXXX a year in payments since I had the card, so this is very unacceptable. 

I am currently trying to buy a house for my wife and my XXXX  to have a nice place to stay, and my current lender will not do the loan with the late on my credit. 

I am a veteran and trying to do a VA loan, so I really need XXXX to follow through with what they said they would do. I need the late payment from XX/XX/XXXX to be taken off of my account due to a representative telling me incorrect information. 


Since I have always paid my XXXX on time and I spend much more than the average person with my XXXX XXXX, I think that they should take off the late payment, and I can set up autopay so that I never have this issue again. Having great credit is very very important to me, and I have worked very hard to get my credit in the 700s Whenever you call XXXX you are always connected so someone in XXXX, so maybe there was a language barrier and the representative gave me the incorrect information, but I am 100 % they told me they would put my payment off for 30 days. XXXX reports every 60 days, so I would have never had a late payment. 

Please help me get this off of my credit so that I can be able to finally get my wife and XXXX the new home that I have always dreamed of. This will be my first home I have ever owned. 

Thanks so much XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : inquiry removal Well, checking my most recent credit report, I came across some unauthorized and fraudulent inquiries made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiries nor to view my credit report. In addition I did not give you ( Credit Reporting Agency ) permission to furnish this incorrect information onto my credit report. This is a violation of of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights.

Please validate this information with these companies and provide me with the copies of any documentation associating these my accounts, bearing my signature authorizing an inquiry.

I also demand you to produce a contract between you and I, consumer bearing my signature showing that I gave you any permission to furnish any information on my behalf. 

In the absence of any such documentation, bearing my signature, I formally requested that these fraudulent inquiries be removed immediately from the credit file you maintain under my social security number. 

Please note that you have 30 days to produce the requested contracted and to complete this investigation, as per the Fair Credit reporting Act Section 611. 

XXXX XXXX XXXX XXXX XXXX, XXXX MD XXXX XXXX regards,
Product: Debt collection

" XXXX XXXX XXXX '' amount- '' {$340.00} '' " Opened XXXX '' Block and Remove This Account From My Credit Report. I Did Not Consent To, Did Not Authorize, Nor Benefit From This " Derogatory Mark ''. Report Positively To All Consumer Reporting Agencies. Debt was paid already. Also, According to 15 USC 1692b ( 2 ), a debt collector should not state whether or not consumer owes debt. Not only did you state that, you also put the information on my credit report which is another violation of 15 USC 1692d ( 1 ) - damaging my reputation in regards to my credit report. Remove items and report positively on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Without any knowledge of my own, Equifax took a laissez faire approach to protecting my confidential information. Due to their inability to follow industry standards in regards to cyber security, my personal information is in the hands of strangers. This behavior is reckless, dangerous, and requires accountability.
Product: Credit reporting, credit repair services, or other personal consumer reports

Innovis is in violation by reporting innacurate information on my file. This company claims that theyve somehow verified the account of XXXX but did not do their own investigation correctly. I would like to demand that a reinvestigation be done the correct way and I would like to see the documents such as names and contact information of employees that this company spoke with to complete their investigation. Ive sent in many letters and this company has sent back generic letters responding to my dispute. I am exercising my right under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to properly reinvestigate my dispute. Once this company is unable to verify this account that is reporting on my file, I would like for it to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been attempting to get ahold of a live person at Experian to unfreeze my account. I am trying to have mortgage lenders verify my credit so I can purchase a home. Experian can not verify my account and I can not find a fax number or a person to talk to in order to send them the necessary documentation. They have no customer service, just an automatic answering prompt which never gives the option to speak with someone, and then their website which also provides no contact information. 

This is such a pain. The other two credit bureaus were easy to work with. Why is a company this terrible with service even considered to be a standard in the industry when it comes to credit reporting? So frustrating.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Consumer Loan

Citizens One Banks wrongly clai ms my   XXXX    XXXX  payment has changed from {$600.00} per month to {$650.00} .Last year i submitted auto debits for these higher payments but have since stopped them. I have ( STOP PAYMENT ) letters from the bank for each one auto debit indicating they ( both ) have been cancelled  .The first  dated   XXXX   for the {$600.00} the second dated  X/XX/XXXX  for the {$650.00} payment. My normal monthly contract payment show {$530.00}. On the  Citizens   One  ( website only ) it now wrongly displays {$650.00} per month. On   XXXX    XXXX  and  XXXX   XXXX  it show the correct contract amount of {$530.00}   XXXX  .I did receive a letter from The Chairman  XXXX   XXXX  (  XXXX  ) indicating the payment has been updated but sadly my payments on line ( Citizens  One  ) still showing {$650.00}. When i made my {$530.00} payment it shows a balance of {$11.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX, Acct # XXXX. Opened XX/XX/2013 has violated my rights.

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

XX/XX/24 I received a copy of my consumer reports and theres incorrect and inaccurate reportings on my consumer files. I have been going back and forth with these agencies to validate and verify the information for all my missed and late payments which are not accurate as I have NEVER been late nor have i given these agencies permissible purpose to report these negative reportings on my reports. I am a federally protected consumer and I am promised accuracy and correct information to be reported on my consumer reports. These agencies are violating federal law and under 15 usc 1681, all information must be verified and validated. as you can see they can not verify or validate the information so it must be removed. All Missed payments, all late payments, all closed accounts which have never been closed nor have i the consumer given my written consent to close the accounts that have a long history of reporting as I am in need of the length to make my reports accurate. These are all violations and I demand that they correct and update my consumer reports promptly. I am being damaged and this is a violation that is also a fee of XXXX per inaccurate reporting. Please have them promptly upadte my reports as I have a right and promise for all accurate information. I demand that these inaccurate reportings be corrected today! 
I am not getting the credit usage i need and I am promised accuracy of all my consumer reports. under 15 usc 1681. have these agencies update and give me what i am promised by federal law. Equifax, XXXX, and XXXX must get these reportings updated today and send me the updated reports immediately to see the changes and updates as i am promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 I was a victim of identity theft. I did not realize my information was compromised until I got an alert on my credit report that someone open up student loans and theyre located in California XXXX Our place locks on my credit report and spoken with that particular student loan company and filed a police report. 

XXXX, XXXX and XXXX XXXX accounts are fraudulent. Ive never authorize my credit to be ran nor have I had his account. I have submitted several I didnt need their reports and complaints to the credit bureau stating I was a victim of identity theft. Including XXXX reports and police reports. This has been a traumatic situation it has been a big hindrance on my credit. I had took all the precautions I can take on my to prevent my information to be used in the future but unfortunately there its still being used. Ive also notify the credit bureaus that I will be filing complaints and they responded to my letter only saying that this information was updated. I have my account and his phone calls, sent letters and uploaded documents to all three credit bureaus, Experian, XXXX, and XXXX and nothing was done. This has been going on for months but unfortunately Im the only one affected and I will be filling additional complaints. The credit bureau its only sent me a letter back same information is updated. They have since then stop responding.
Product: Credit reporting or other personal consumer reports

Dear Discover Student Loans, I am writing to formally request that you correct the reporting of late payments on my account, in accordance with the arbitration release and settlement agreement between myself and Discover. As part of the settlement, Discover explicitly agreed to remove all late payment entries related to my account from my credit reports. 

However, despite this agreement, late payments are still being reported by XXXX on my credit file. This continued inaccurate reporting is negatively impacting my credit score and is in direct violation of the terms agreed upon in the settlement. 

I request that Discover immediately take the following actions : Ensure that all late payment entries related to this account are removed from my credit report with XXXX and any other credit reporting agencies. 
Provide me with written confirmation that these corrections have been made. 
Please correct this issue within 30 days of receiving this letter, in order to comply with the terms of the settlement agreement. If the matter is not resolved promptly, I will be forced to pursue further action.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block , inc ) due to inadequate customer service and unfair practices, which violate Customer 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 those violations.
Product: Debt collection

I have asked them not to call me because they have other ways of contacting me. I warned them that I would file a complaint and they still keep calling me.
Product: Debt collection

TO WHOM IT MAY CONCERN : I have written to XXXX XXXX, XXXX, and XXXX on several occasions disputing inconsistencies : AMERICAN CREDIT ACCEPTANCE # XXXX, XXXX XXXX # XXXX, XXXX # XXXX XXXX XXXX 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 continue to state that they have verified the debt. However, XXXX, XXXX, and XXXX are not reporting the same account information. Why is all the provided data different on each credit report? Let this be a formal complaint against XXXX, XXXX, and 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 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer REPORTING AGENCY CAN NOT Furnish an account without my written instructions.

15USC 1666B : a creditor may not treat a payment on an credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint : Dispute of Inaccurate and Unauthorized Addresses on XXXX XXXX Dear Consumer Financial Protection Bureau, I am filing this formal complaint to report the inclusion of inaccurate and unauthorized addresses on my credit reports maintained by XXXX, TransUnion, and XXXX. Many of these addresses are linked to identity theft incidents, while others are simply inaccurate and have no legitimate connection to me. 

Disputed Addresses : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Inaccurate XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inaccurate XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Identity Theft The inclusion of these addresses violates the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to ensure the accuracy and completeness of information reported ( XXXXXXXX XXXX XXXXXXXX ( b ) ). Furthermore, under XXXX XXXX. XXXX, upon notification of identity theft, credit reporting agencies must block the reporting of any information resulting from such theft, including fraudulent addresses. 

Violations of XXXX and XXXX Laws : FCRA XXXX XXXX. XXXX ( b ) : Failure to ensure accurate and verifiable information. 
FCRA XXXX XXXX. XXXX : Failure to block identity theft-related addresses despite notification. 
XXXX XXXXXXXX XXXX XXXX ( XXXX et seq. ) : Allowing misleading and unauthorized data constitutes an unfair and deceptive practice. 
These violations have caused undue distress and a risk of further identity theft by enabling fraudulent activities tied to incorrect addresses. 

Requested Actions : Immediate removal of all disputed addresses listed above from my credit reports. 
A written confirmation from each credit bureau confirming the removal of these addresses.
Product: Debt collection

I have tried disputing through the CRA 's that this is not my account. They CRA 's come back saying that this has been verified and remains on my credit file. I have never received any correspondence with this company as owing a debt nor have I been given the right to dispute this information. I was able to make contact with them but they have failed repeatedly to provide supporting documents.
Product: Mortgage

I put my information into Qucken Loans website on the XXXX just to get a loan quote. I am 98 % sure it was not a formal application for credit. Since that time, I have been bombarded with calls, 24 in total along with voicemails. I am a XXXX XXXX with the FDIC, this practice seems to be very aggressive toward consumers and may even influence a consumer to rush into a loan. To contrast, I filled out a pre-approval credit application with my financial institution on the same day and they have only contacted me twice. Please Quicken, end your practice of aggressive calling. I am not going to use any of your services because of this.
Product: Debt collection

This company has placed a collection account on my credit report and they refuse to provide proof of the debt from the original creditor. The original creditor has never contacted me about this debt. I believe it is a scam. The collection agency is in violation of the FCRA as they refuse to cease contact and provide proof of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX to apply for financing on an auto loan. I asked them to only run my name through XXXX XXXX. Instead of running my name through XXXX XXXX, they ran my name through numerous institutions instead of XXXX XXXX without my permission. 

The following Institutions are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

XX/XX/XXXX Consumers Affairs Complaint : Credit Acceptance Corp. 
I purchased a XXXX XXXX XXXX, in XXXX it was financed through Credit Acceptance Corp. The tag price was XXXX I put a down payment of {$7500.00}. 
I paid {$530.00} totaling {$19000.00}. for three years. 
I made each payment on time and once I finished, they told me I owed another {$17000.00}, then explained that my final balance was {$30.00} for the full purchase price. I was told it was finance charges. Once I began asking the proper questions, they just kept saying it was because of interest and finance. I started to look through my transaction history and do a little investigating of my own. During my investigation, all payments were going to daily interest, none to the principal. 
Customer service stated, interest that had accrued over time. All my car payments were on time? Also, I asked, What vehicle goes from the tag price of {$19000.00} to over {$30000.00}. The attorney of record statement shows that they received file # XXXX on XX/XX/XXXX. 
As of XXXX, they started garnishing of my paychecks on XXXX. The judgment was for {$290.00} ; however, the Sheriffs Department in XXXX XXXX Louisiana is taking different amounts, therefore, I am enclosing documentation Speaking with them time after time, this matter was turned over to : Attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX Office # ( XXXX ( XXXX ) - XXXX Fax : XXXX Email : XXXX XXXX