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 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 proce 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 XXXX financial loss, and I seek appropriate redress on for these violations.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXX. XXXX XXXX  XXXX XXXX. XXXX - XXXX XXXX. XXXX - XXXX XXXX. XXXX - XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Debt collection

I have a medical collection on my report that was paid thru insurance but a collection company is attempting to collect it and has put a collection on my report. I have never gotten a detail for what the debt is for even though i've asked.
Product: Debt collection

I am XXXX XXXX a federally protected consumer and I am making another complaint against Midland Credit Management regarding an account that they purchased from XXXX XXXX I have sent your company several correspondences, however, they always seem to be returned to me, and this alleged debt continues to remain on my consumer reports with no regard to how this affects me. First, I would like to state that I have never given Midland Credit Management any permission to use any of my identifying information to commit aggravated identity theft by contacting me about an alleged debt they claim that I owe. After several correspondences and a previous CFPB complaint I still have not validated any alleged debt with Midland Credit Management and while I have not validated such claim of debt this, in turn, can not be constructed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence such as a TRILATERAL CONTRACT between, XXXX, MIDLAND CREDIT MANAGEMENT, and myself, giving Midland Credit Management any right to collect on this alleged debt. It is my belief that Midland Credit Management is attempting unlawful fraud activities and theft by deception by attempting to furnish false and deceptive forms and continues to commit several violations under the FDCPA. Please see attached documents for reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : XXXX XXXX ( XXXX report number ) # XXXX my Social security # XXXX my address : XXXX XXXX XXXX. 
XXXX, WI. XXXX ( XXXX ) XXXX Email : XXXX unresolving Issue Re : SECURITY CREDIT SERVICES Account number XXXX Account type Collection Date opened XX/XX/XXXX Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
This account is continuously reporting negative account information the above account has been included in my bankruptcy XXXX  XXXX filed XX/XX/XXXX and was discharged XX/XX/XXXX in case number # XXXX this information keeps reporting and experian keeps reporting it as negative information
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following creditors have violated my rights under : 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. Also, I had previously disputed accuracy of these account being mine. Per the FCRA law 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ), Me, the consumer, requested the written description of the procedure that was used to investigate my disputes within 5 days of receiving my dispute results. I never received anything in regards to my request per the FCRA law. I am demanding to know the credit reporting agency 's procedure including whom they spoke with, the company name, and the number used to verify my disputes and if my physical signature was witnessed by the credit reporting agency 's investigator. I am also demanding the follow accounts be removed to a frivolous and unlawful investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Chase allowed a debit card transaction in XXXX from a gas station that was never authorized and would not reverse the charges or help me get the money back from the merchant. I disputed the charge and challenged the charge with no resolution from Chase Bank. The bank is telling me I need to contact the merchant in a foreign country to seek restitution of unauthorized charges. The bank would not do anything also because they wanted me to provide documentation to support fraud, when I asked examples of documents they would not give me any. The charge was fraud and I did not authorize {$450.00} to be charged nor was any service or items rendered to me from this merchant. After researching my situation I found many cases of others getting this scam/fraud. I need help in getting these funds back to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification on XX/XX/2022 that a new account appeared on my XXXX  credit report. The account is an installment loan from Axcess Financial/ Check N Go. The installment is in the amount of {$2500.00}. The account was opened on XX/XX/2022. I believe it is my father who opened the account in my name, as he has stolen my identity before.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I have been unable to send out funds from my blockchain account for over two years and I was told to upload my identity which I did, and it took several months for them to respond to that and told me that my identification process was not successful but has since made it impossible for me to redo the process. I keep getting a message that says we are unable to verify you at this time anytime I tried to click to redo the identification process. I opened a ticket with them about it on XX/XX/year> at about XXXX XXXX. Since then I have not received a reply regarding the problem or have access to my funds. I have in effort to get my money or get a reasonable answer sent about 30 mails but no reply to any of them The funds are visible in my wallet but I cant send it out. And I cant redo the identification process.
Product: Debt collection

I have report the original company BMG Money LLC as Identify Theft back here when I first notice the item on my report and it was removed, then this company brought a fraud debt from a these company XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX filed a civil sue against me for a fraudulent account. This is illegal and they are trying to get rich off poor people doing illegal things. I received this summons yesterday XX/XX/XXXX. Please look at my FTC reports filed back in XXXX of XXXX will be attached along with BMG Money LLC FTC report. I will attach the CFB report also. And the debt amount is total different from the amount of the original debt collector. 

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

XX/XX/2021 : I had my Mortgage Lender pull my credit score from Equifax - Lender told me my account may be frozen. I called Equifax ( XXXX ) regarding possible credit freeze on myself. I mentioned that the mortgage lender could not pull my credit score and would like to unfreeze it. The representative asked my social security number, address, birthdate to provemy identity ; however he could not pull my file. Equifax representative told me to fax proof of identity ( social security card and driver 's license ) with cover letter. As told by the representative, I faxed my documents to Equifax ( XXXX ). 

I am in the process of buying a house and I would need to clear this issue in order to get my loan ASAP.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Social # XXXX : Date of Birth : XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX Account # XXXX Credit Card {$820.00} XXXX XXXX XXXX XXXX XXXX  Credit Card {$540.00} XXXX XXXX  Bank Account XXXX XXXX Credit Card {$360.00} XXXX XXXX XXXX XXXX  Account XXXX XXXX {$1000.00} XXXX XXXX XXXX Account XXXX XXXX Credit Card {$5700.00} XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX {$0.00} XXXX XXXX Account # XXXX {$0.00} XXXX XXXX XXXX Account # XXXX {$600.00} XXXX Bank Account # XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of these accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

While I was in the process of trying to rent an apartment, my credit report had to get pulled. i was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. these accounts do not belong to me. Please remove these items from my report.
Product: Debt collection

Capital one Bank USA & XXXX XXXX XXXX added derogatory marks on my credit file in the amount of {$1200.00}. I disputed this claim on ( XX/XX/XXXX ) this is not my debt and fraudulent activity with this account. I've never had a signed contract and /or account with said company. YOU HAVE NOT PROVIDED ME A COPY OF ANY ORIGINAL DOCUMENTATION REQUIRED UNDER SECTION 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with signature on it ) and under SECTION 611 ( 5 ) ( A ) of the FCRA- you are required to " PROMPTLY DELETE all information which can not be verified. Fast forward to XX/XX/XXXX i was notified by my job that I HAVE A GARNISHMENT against me which is 10 % of my paycheck is being GARNISHED every week. I logged a complain with the CFPB after gotten no response now on XX/XX/XXXX capital one response is that XXXX XXXX XXXX XXXX obtain a judgment against me. Who was served? Not me! 
IF THE ACCOUNT IS NOT DELETED/ Garnishment, I WILL BE FORCED TO CONTACT THE XXXX AND LEGAL COUNSEL TO FILE SUIT.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

1. In accordance with the fair credit reporting act XXXX  2. XXXX XXXX XXXX XXXX 3. Capital one, 4. Capital one auto, 5. XXXX 6. XXXX XXXX 7XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX  9. XXXX XXXX, 10. has violated my rights.

2. 15 usc 1681 section 602 states I have the right to privacy.

3. 15 usc 1681 section 604 A section 2 states a customer reporting agency can not furnish an account without my writing instructions.

4. 15 USC 1666B states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

cfpb Consumer Financial Protection Bureau XX/XX/XXXX re :  WELLSFARGODEALERSVCS # XXXX XXXX XXXX XXXX XXXX , NC XXXX ( XXXX ) XXXX Date Updated : XX/XX/XXXX Payment Received : $ XXXXLast Payment Made : XX/XX/XXXX >Account 60 Days Past Due Date< Dispute : The Wellsfargo dealer indicates that i was delinquent 60 days. On XX/XX/XXXX the vehicle was used for a trade and was paid off bu the XXXX XXXX XXXX  ( noted below ) Either the credit union did not give payment to wellsfargo or Wellsfargo did not report payoff in timely fashion. Please review this and remove from my report. 

Thank you, Respectfully, XXXX XXXX XXXX XXXX  XXXX   XXXX # XXXX****XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. 

XXXX XXXX XXXX Balance : {$11000.00}.
Product: Debt collection

I was recently notified that Afni, Inc. collection reported an account that I previously disputed as identity theft with the original creditor and with Afni on my credit report. They even reported an address with the account that I never lived at. This is illegal and a violation of the FCRA and FDCPA. I want them to remove this item because it is not mines and is a result of identity theft.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX  emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of an account listed as " XXXX XXXX XXXX XXXX  '' on my Equifax credit report, reported on XX/XX/year>. Although the outstanding balance for this account is now {$0.00} and the account status indicates " Transferred, '' the payment status continues to show as " Charge-off. '' Under the Fair Credit Reporting Act ( FCRA ) Section 611, I request an immediate investigation and correction of this information. Furthermore, according to FCRA Section 623, the data furnisher has a duty to ensure that all information reported is accurate and up-to-date. The continued listing of this account as a charge-off payment status is misleading and does not accurately reflect its current status as closed with a {$0.00} balance. Additionally, under FCRA Section 609, I am entitled to access and verify all information contained in my credit report, which supports my claim of inaccuracy.
Product: Student loan

I submitted my application for the public service loan forgiveness waiver to MOHELA well ahead of the XX/XX/XXXX deadline. The company has not responded to my inquiries about whether my paperwork was received or if my loan forgiveness is in progress.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I disputed with the company listed above that this account is fraudulent inquirie. i was told the account was verified and no proof was shown to me of how the account was verified.
Product: Credit reporting or other personal consumer reports

It has come to my attention that you are not removing files submitted with an FTC report. As required by section 605B of the FCRA, I am sending this letter via certified mail to establish a legal recourse. If you do not remove the inaccurately reported items listed below, which are the result of identity theft, I will forward my documents to my attorney to initiate legal action. My intention is to avoid legal proceedings, so please comply with the law. Remove the following items, as they are fraudulent and were opened without my consent or knowledge. In the absence of any documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number : Experian : XXXX XXXX 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 XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ======XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Date XXXX : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX BANK DEAL XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX. Please note that you have XXXX business days to remove the reporting of any items in my credit file resulting from alleged identity theft. I do not consent to XXXX or any form of automated verification. I expect your immediate attention to this matter and a response within four business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ... .EQUIFAX XXXX AND XXXX are failing to report revolving accounts that belong to me ... ..they actually removed them and my score fell significantly ... I am attaching proof that all these cards belong to me and should be being reported to all 3 bureaus! 

XXXX XXXX CARD LIMIT IS {$5000.00} XXXX XXXX CARD LIMIT IS {$3000.00} XXXX REWARDS CARD LIMIT IS {$4000.00} XXXX XXXX XXXX XXXX IS {$12000.00} these cards really benefit my overall usage and my credit worthiness and by the credit bureaus removing the cards ... ..my credit score dropped significantly ... .please add these cards back to my credit file immediately!!
Product: Credit reporting or other personal consumer reports

I am not liable for this debt of {$1200.00} with XXXX XXXX  XXXX, Account number XXXX. i do not have a contract with XXXX XXXX  XXXX. i am also not liable for this debt of {$660.00} with CAPITAL ONE, Account number XXXX. i also do not have a contract with CAPITAL ONE. Per pursuant to 18 usc 8, i owe no debt, this company is violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company also has no permission to report anything using my info pursuant to 15 usc 1681 4. This company has not provided me with the original contact as i requested with my wet signature and ID verification. this is extremely effecting my credit report and is a defamation of character.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$35000.00} Collection XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3500.00} Late/Open Late 120 Days Inquiries In Dispute : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX