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 an adequate customer service and unfair practices, which violate the Consumers Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent an 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 loss and I seek appropriate redress for this violations.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XX/XX/2022 Wells Fargo XXXX XXXX XXXX XXXX XXXX, CA XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Checking Promotional Offer Account XXXX Hello, I opened this account for the {$300.00} bonus, which has not posted. Please advise. 

I tried to send this message via your website but it appears it no longer accepts secure emails. 

Therefore, I am prepared to conduct all future business via the CFPB if necessary. 

Yours, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I've sent transunion multiple documents most recently on XX/XX/2024 stating I did not authorize the 10 hard inquiries on my report. None of these credit transactions involved the extension of credit to, me, the consumer, without permissible purpose or authorization.
Product: Debt collection

I have been disputing this account for over a year all they do is verify it and update it and do not take into consideration any statements or documents that would prove otherwise. This account has been paid {$4300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my credit report and noticed an unauthorized account on my credit report and under 15 USC 1681 a number 3. You guys assumed this role without permission not only that you did not have my consent. You did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, and you were partial. You never had a permissible purpose Under 1681 b number 2. I never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete the XXXXXXXX XXXX  ( XXXX ) account off my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax numerous times about inquiries on my credit report from dealerships that I didnt authorize to my credit report today I view my credit report and I have 249 inquiries.. Im very upset about this and Im requesting a one time dispute on these inquiries
Product: Mortgage

The mortgage company sends letters requesting proof of hazard insurance. We obtain proof and submit as directed on the letter. This happens three more times each time submitting the paperwork as directed. Meanwhile we call customer service several times, leave our number, never get through to anyone and never receive a call back. Then we recieve a letter saying the mortgage company is buying insurance for us and will be taken out of our account. We continue to try and get through to customer service without any luck. This company is scamming people.
Product: Debt collection

Dear CFPB Complaint Department, I am writing to formally request your assistance in removing an inaccurate collection account reported on my XXXX credit report. The details of the account in question are as follows : Account Number : XXXX Account Type : Collection Responsibility : Joint with XXXX XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Status : Collection account, {$16000.00} past due as of XX/XX/XXXX Status Updated : XX/XX/XXXX Balance : {$16000.00} ( Updated XX/XX/XXXX ) I believe this account has been reported inaccurately or is unverifiable for the following reasons : 1. I have no knowledge of this account or its association with me. The balance or status information is incorrect, or the reporting violates the Fair Credit Reporting Act. ) 2. Lack of Verification : Despite disputing this account with XXXX, XXXX, transunion no satisfactory evidence has been provided to validate its accuracy or legitimacy. 

I have made every effort to resolve this matter directly with XXXX and the creditor but have been unsuccessful in achieving a resolution. This unresolved issue is negatively affecting my credit score and causing financial hardship. 

I kindly request that the CFPB investigate this matter and work with XXXX and the reporting creditor to : Verify the accuracy and legitimacy of this account, OR Remove the account from my credit report if it can not be verified. 

Please find attached the following documents to support my claim : 1. A copy of my credit report showing the account details. 
2. Copies of dispute letters and responses ( if applicable ).

3. Any additional evidence to support my claim. 

Thank you for your attention to this matter. I trust that you will investigate this issue thoroughly and assist me in ensuring the information on my credit report is accurate and fair. Please feel free to contact me at the phone number or email address
Product: Credit reporting or other personal consumer reports

I sent a letter to First Progress Card Company on XXXX XXXX opting out my information being shared with any person, entity, or institution and to be effective immediately and Indefinitely!!
Product: Debt collection

At XXXX XXXX on XX/XX/XXXX, received an attempt to collect a debt from XXXX XXXX XXXX. Explained that they have yet to send a validation letter and that this debt is under dispute. Please see attachments to letters/ emails to prior collection agency back on XX/XX/21 and email to XXXX XXXX I told XXXX to cease and desist collection activity as this is a disputed debt. Representative said they 'juts got the file ' I advised that they should return the file and mark it in dispute I can certainly afford the {$20.00}, its the principle of the matter. I also have a expetional credit history ( see picture ) which I guard against these type of issues I happen to work in the debt collections business, and it saddens me when players do not follow the correct steps. For the purposes of your investigation 1- Did XXXX XXXX purchase this debt from XXXX or from Sunrise Credit Services Inc XXXX 
2- Neither XXXX  nor Sunrise do a good job in complaint management handling as neither marked this account in dispute nor allowed it to continue 3- Sunrise, never responded in writing how I requested- and possibly failed to inform XXXX or worse sold the debt to XXXX
Product: Credit reporting or other personal consumer reports

This is my 5th attempt to exercise my right under the Fair Credit Reporting Act, Section 609, to request information regarding items that are listed on my consumer credit report : XXXXXXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number Not listed on the report Bankruptcy Public Record. U.S Bankruptcy court As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal credit report was compromised .. I did not allow any of these companies to check my credit report. Inquiry done is illegal and must be removed from my credit file. Given the growing cases of identity theft, I'm sure you'll agree with me that if failure to verify such inquiry needs to be stopped. Please remove XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I'm sending you today this CFPB complaint to let you and the credit reporting agencies know that I was a victim of identity theft. According to FCRA section 605b, credit reporting agencies are required to block/remove any accounts listed on an identity theft report. I did some research on how to remove the fraudulent accounts from my report and discovered that I needed to visit the Federal Trade Commission or https : //www.ftc.gov to file a report. Please refer to the ATTACHED materials to help stop false information from being put to my report. The following is a list of the accounts and objects that do not belong to me or that were opened without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$980.00} XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$92.00} XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days following the date of receipt.
Product: Credit card or prepaid card

Per the attached letter from XXXX Bank dated XX/XX/2022, payment of {$450.00} was made against account number ending XXXX XXXX. As of this writing, the payment has not been credited to my account. It is obvious that payments are intentionally processed slowly in order to gain additional interest revenue for the institution. Also, for the record, the other bank listed on the letter processed the payment within 2 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX. I noticed that, unauthorized inquiries had been made. I first contacted these furnishers of the inquiries, with a few of them giving me the runaround, stating that they cant petition for them to be removed. I asked them multiple times to remove their inquiry from my credit profile. By law per the FCRA, you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report Equifax Mortgage XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX If you find the inquiries referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.
Product: Credit card or prepaid card

I have a history of always paying on time, and it's causing me a lot of anxiety to see this inaccurate late payment on my account. I have never missed a payment on this account, and I am begging you to remove it from my credit report as soon as possible. It's affecting my ability to sleep properly, and I would greatly appreciate your urgent attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Experian, I, XXXX XXXX XXXX, have written this letter to dispute a claim/account that is falsely listed on my credit report with your bureau. The accounts owed should not be outstanding for the following items : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am disputing these claims due to : I have never opened this account with this company and I have no knowledge of this account or company. It was fraudulently opened using my identity and I am demanding that it be fraudulently opened account be removed from my credit report immediately! 

This is my official demand to have the aforementioned item to be deleted off my credit report expeditiously. 

I am demanding that the fraudulently opened accounts and inquiries be removed from my credit report immediately! This is my FINAL DEMAND before I escalate this to a legal matter! 

Enclosed may be additional evidence to support my claim. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Capital one is unfairly racially profiling me holding my money with no grounds. Capital one has NO POLICY in place for situations like this and even if they did ppp loans didnt even exsist at the time I opened my account. They told me I have to provide documentation to them when I have already satisfied all requirements with my lender they are just holding my money collecting interest. I received this money in may why are they just now placing a hold this is a lawsuit waiting to happen.
Product: Checking or savings account

After having a checking and savings account with BOFA for over 10 years, I was the victim of fraud. Bank of America chose to close my account and failed to protect me pursuant to federal law that protects consumers from fraudulent activity and further restricts financial institutions from closing accounts as retaliation for reporting fraud. Notably, I recall having a balance of about {$1300.00} in my checking account at the time of closure which was never sent to me in the form of a check. I would like the money I am owed from BOFA or I will file a small claims lawsuit.
Product: Debt collection

I have called countless times told by supervisors investigations would be done and validated would be sent to me by mail and have only gotten the last statement and documentation of them owning this debt nothing else. Please understand that they have been adding additional late payments to my credit report ( XXXX ) as stated in documentation and they have different charges across all bureaus not one closely corresponds to the statement sent by XXXX  XXXX and they then selves wont provide information either & never because this isnt my debt so I would like both XXXX  XXXX & portfolios recovery to immediately remove both accounts from all CRAs.
Product: Debt collection

I received mail and phone calls from XXXX XXXX XXXX. I called then XXXX and a person only identified themselves as XXXX. He said they are a credit reporting company and I owed {$120.00} some odd dollars. I advised that I cancelled he said verbal cancellations are not allowed and I have to pay. 

I told him the front desk accepted my cancellation, he didnt care, and then just simply hung up on me! Their tactics are despicable! At no time did they or XXXX XXXX ever report any positive payments I made, and now they threaten my good credit so they can get paid? This is abusive and misleading to other creditors. They are using my credit report and score as a weapon against me to illicit a payment that is not even owed! They should be banned from reporting anything to the credit report, and should be penalized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe that I have a legitimate complaint against XXXX XXXX XXXX XXXX. This problem started when I lived in the state of XXXX and right before I moved to the state of XXXX. On XX/XX/2017, I made a trade in on my former vehicle. The deal was finalized on XX/XX/2017. The payoff was requested and the transfer of vehicles that same day. The payoff from XXXX XXXX XXXX XXXX was requested by the finance company implemented by the dealership. However, even though the transfer was finalized well within the 30-day timeline to be reported late, XXXX XXXX has violated my rights under the Fair Credit Reporting Act on several levels. Most importantly, this organization has hundreds of complaints against their reporting and collection methods on the internet. The reporting shows as follows on all three respective credit bureaus : XXXX  : 30-days late XX/XX/2017, XX/XX/2017 and XX/XX/2017 XXXX  : 30-days late XX/XX/2017 and XX/XX/2017 TRANS UNION : 30-days late XX/XX/2017 and XX/XX/2017 This reporting is absurd, as the transfer date should have been the date of wire transfer of funds releasing title to the dealership. XXXX XXXX XXXX XXXX has gone through large measures to cause major damages to my personal credit report. The late payments need to be purged immediately and permanently. I believe that XXXX XXXX XXXX XXXX is also in violation with their subscriber agreement with XXXX, XXXX  and Trans Union respectfully. I am posting a complaint with the major credit bureaus directly. I simply cant purchase a new home with the way this particular credit trade line is reporting, and its simply a clerical error ( s )  with XXXX XXXX XXXX XXXX being the sole responsible party. This matter needs to be addressed and corrected immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Inquiries not authorized on my XXXX credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( multiple ) XXXX XXXX XXXX XX/XX/XXXX ( multiple ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( multiple ) XXXX XXXX  XX/XX/XXXX ( multiple ) XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( multiple ) XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3400.00}, {$5800.00}, {$15000.00}, {$21000.00}, {$0.00}, {$1000.00}, {$11000.00}, {$0.00}, {$29000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my account. 

XXXX. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account. 

XXXX. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

XXXX. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 


-- AUTO ACCOUNTS 7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

XXXX. XXXX XXXX CRED with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$29000.00} -This is not my account.
Product: Debt collection

First Source Advantage has called my number attempting to collect a debt for someone other than me. 

They keep calling even though I am not named XXXX and have had this phone number since 2009.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and I have been working on my credit now for the last several months to buy a home, I want to first say thank you for having a place for people like myself to come to if we have problems and don't know what else to do. 

The courts put my home on the market after my divorce and so I've been working hard to rebuild my credit, with doing things like paid off all medical bills, having old accounts removed, made all my student loan and car loan payments on time for the last XXXX years. my score has gone up almost XXXX pts., which I have been so happy about. 
I wrote yall back in XX/XX/XXXX about XXXX XXXX removing a late payment, that was not late. I didn't get very far at the time because I failed to follow through with giving them the exact day, after having taken time to review the last year of payments, I was able to find the mistake, I contacted them and they opened a case for me on it, I'm pleased to say XXXX XXXX was very willing to give me a letter to show that they did indeed report for XX/XX/2018 as an on-time payment. I'm so grateful she took the time to fax my loan XXXX the letter. I've reached out to the credit reporting company several times to get it removed and the loan XXXX faxed them the letter also but no luck so far. 

The courts have him paying our XXXX a month house payment and his family isn't happy about it, It's been over a year so I don't blame them. I go to court on the XXXX of this month and was hoping to have this corrected before then so my loan could be approved. 

My ex-hired one of the number XXXX XXXX consulting firms in the world! 

They have much to my surprise accessed many of the medical records and have done things like call to have me pay over the phone for medical bills that shouldn't have existed but they would say that its a collections company and I was afraid it would go on my credit and so I would pay it, well after getting so many I started to make notes of accounts and get them to give me the information on my file, I then began to realize it was the same people and bills, yes! some of the same ones asking me to pay them again. it's important that I stay focused on my kids future and move on rebuilding a life we love but until our loan is approved it's very difficult to do.