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 ( CFPPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Also, their dispute resolution process was unfair and deceptive, as they did not comply with the error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I require the appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I disputed an account being reported by Equifax on my credit report ( XXXX XXXX XXXX ). In my dispute letter I requested the following : " Please send me copies of the documents that you have in your files as of this date that your company used to verify the accuracy of the accounts listed below along with a complete compliant detailed breakdown of the three segments of the Metro 2 requirements including XXXX XXXX XXXX, containing 18 fields, which ensures that the information was identified correctly by your bureau, XXXX XXXX XXXX, containing 49 fields, which provides the specific account information for me, XXXX XXXX XXXX, Containing 47 fields, which summarized the data submitted to your bureau specific to my particular file. '' I received a response on  XX/XX/19 that the investigation was completed and that the information was 'verified as accurate '. I then sent a second request on XX/XX/XXXX requesting that the account on my report be validated WITH PROOF. Equifax then sent a response on XX/XX/2019 stating that the account has been 'verified as accurate ' but again did not send any requested proof that I am entitled to by law. On XX/XX/19 I sent over a third and final letter disputing the accuracy of the account on my credit report and requested proof. On XX/XX/19 they sent me the exact same response saying that the information was 'verified as accurate ', but again did not provide any proof as requested. 

In my dispute letter I asked that they not respond to my request by saying that these accounts have been verified because I have never been sent proof of such. Instead, send me copies of the documents that you have in your files that were used to verify them. I am concerned because it appears as though I received an automated response to my request and that no real investigation was done. This not only completely unacceptable but in direct violation of my rights under the FCRA
Product: Debt collection

I THE AFFIANT SENT A NOTICE OUT XX/XX/XXXX STATING 15 U.S.C. SUBSECTION 1692B ( 2 ) 15 U.S.C.SUBSECTION 1692E ( 10 ). I THE AFFIANT, DIDNT ASK FOR MY ACCOUNT TO BE CLOSED. I THE AFFIANT IS BEING IGNORED. THIS GOES AGAINST FCRA SECTION 623
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance {$8600.00} ; XXXX XXXX Balance - ; XXXX XXXX XXXX Balance {$50.00} ; XXXX XXXX XXXX Balance {$330.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$750.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1000.00} ; XXXX XXXX XXXX XXXX : {$22000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$50.00} ; XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$330.00} ; XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX  ) XXXX Balance : {$0.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry XXXX XXXX. XXXX, 2021 ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2021 According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card

I have consistently made sure that payments on this account are made on time, avoiding any overdue situations. I am uncertain about the causes of reports mentioning late payments on my accounts. According to 15 USC 1666b - Billing Error should be rectified.
Product: Credit reporting or other personal consumer reports

Transunion is violating the Fair Credit Reporting Act by reporting the same account twice. This affects my overall credit rating because its manipulating the system. The account listed as XXXX XXXX XXXX is reporting XXXX with the same information. Even after requesting a reinvestigation Transunion failed to remove the information as required by law. 

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 
( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep getting inquiries from Chase Bank about a credit card application. The dates are, XX/XX/2018, XX/XX/2018, XX/XX/2018 and XX/XX/2018. I called Chase in XX/XX/XXXX, after receiving the second notice that I had been denied credit that I had not applied for. They told me that I would have to wait 60 days to have this inquiry removed my credit report and that would notate a potential fraud alert in the future. When I called them a second time, someone from their fraud division spoke with me and said he would submit the information to the credit bureau again. The third time I called them, I was told that Chase could not control or stop the application inquiry because they had no way of identifying me when an application is submitted. It seems obvious to me that these applications are being done online through XXXX, which is the type of Visa card someone is trying to obtain. I am exasperated and don't know what else I can do to stop this. My credit was already below standard and I am trying to build my credit score up and these inquiries are bringing it down even more than it was before. The credit bureau has done nothing either ; after I called them and told them the problem.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

In accordance with the Fair Credit Reporting Act. The List of ITEMS below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told Experian, XXXX, and XXXX to reinvestigate these ITEMS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX However, they stated that everything was completed and accurate. But how is that possible if the open date, date of last activity, and much more are incorrect? According to 15 USC 1681i ( 5 ) they are supposed to modify what isnt reporting correctly.

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 ITEMS without my written instructions.

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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

I was originally with XXXX  XXXX  that is where all my bills payments went to then suddenly one day someone came to repo it knocked on my door. I immediately contacted XXXX and was told wells Fargo dealer services had it. I contacted them they said they didn't have the loan I contacted my bill pay request cancel checked and where the money went. XXXX states all payments were sent to Wells Fargo. I ended up having to settle out anyway and pay XXXX XXXX XXXX early and ruined credit then wells Fargo sent me back two of my 3 payments
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. All my person information was stolen mainly my social security number and ID. I ask that the following items listed be deleted as soon as possible. Company reporting this fraud information Credit report Fraud items- Name : XXXX XXXX Phone Number : ( XXXX ) XXXX Balance {XXXX} Address : XXXX XXXX XXXX XXXX XXXX AZ XXXX Opene : XX/XX/XXXX, Name : XXXXXXXX XXXX XXXX : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Incorrect address : XXXX XXXX XXXXXXXX XXXXXXXX XXXX  Pa XXXX
Product: Credit reporting or other personal consumer reports

I had fraudulent charges on my XXXXXXXX XXXX business card. Attached is the police report. 
Both XXXX and XXXX were punctual about getting this removed. I had an XXXX credit score before this and have never missed a payment in my life. However, Experian still has yet to get this done and needs to asap. Its affecting the purchase of me and my wife 's home. 

We noticed these fraudulent transactions when we were making our monthly P/L statement. It is clear as day these charges were outside of our typical scope of purchase. The business cards were very rarely used for anything outside of purchases that were made online or via internet application. As soon as these charges were recognized it was immediately called into the XXXX XXXX  and they were reversed. However, on the original call a few of the smaller charges were missed. This was simply focusing on amending the initial discrepancies noticed ( of course that being the larger transactions ). The mindset was as long as the bigger issues were taken care of we were willing to take the loss on the smaller ones, not realizing this would have cause any issues. XXXX XXXX then caught this randomly and rebilled everything because we didnt claim the smaller transactions initially. They requested we do a police report, so we did. We reached out to XXXX XXXX ( spent a total of probably XXXX hours on the phone with the bank at this point ) and they opened an investigation. We contacted all the merchants directly and none of them worked with us. Apparently one of the merchants ( a strip club ) the fraud took place told the bank that they ID before letting people use the card. We contacted the merchant and they provided no copy of an ID or anything. They clearly lied to the bank to keep the money. Now XXXXXXXX XXXX is refusing to refund these charges ( totaling almost $ XXXX ). The banks response after submitting a requested breakdown of every transaction and police report was that we needed additional documentation. I asked what documentation could I could I possibly come up with as I have submitted every document possible and done everything possible.
Product: Credit card or prepaid card

In XX/XX/XXXX, I saw an advertisement for BBVA Clearspend prepaid debit card. The ad promised a {$25.00} bonus credit if I opened the account between XX/XX/XXXX and XX/XX/XXXX and loaded {$100.00} on the card prior to XX/XX/XXXX. I opened the account XX/XX/XXXX and loaded {$100.00} on it on XX/XX/XXXX via a bank transfer from XXXX XXXX. The details indicated I would have the {$25.00} credit loaded on the card with 8 weeks. Starting in early XX/XX/XXXX, I called the support number listed on the website which is only number they provide - XXXX ( XXXX ) XXXX. I called three times and each time the representative agreed I was entitled to the bonus and they said they would send the request on to the appropriate unit within their organization. I do n't have the exact dates however they were approximately once every 30 days after the first call in XX/XX/XXXX. After the calls did not result in the {$25.00} credit, I mailed 2 letters, one on XX/XX/XXXX and one on XX/XX/XXXX, to the only address I could find for them which was the return address on a piece of mail sent from them regarding privacy. The address was XXXX XXXX XXXX XXXX, AL XXXX. They do not provide any mailing address on their website contact page ( https : //clearspend.bbvacompass.com/XXXX ). In the letters, I again requested that they credit me with the {$25.00} and I provided all the card information they would need. I received no response.
Product: Checking or savings account

Filed a dispute # XXXX on XX/XX/XXXX XX/XX/XXXX RE : Acct # : XXXX Merchant Name : Multiple Transaction Date : Multiple Total Amount : {$1100.00} It has been over 90 days and no resolution, I was also recently awarded credit for a related dispute that i filed 2 days after the dispute XXXX. 


RE : Acct # : XXXX Merchant Name : XXXX Transaction Date : XX/XX/XXXX Total Amount : {$60.00} Disputed Amount : {$60.00} From the same merchant, Sofi is has been giving me the runaround for dispute XXXX i suspect because its for alot more money {$1100.00} My complaint is about dispute XXXX for XXXX not being settled in 90 days and the proof i sent to them was the related disputed for XXXX
Product: Debt collection

I have requested the records of this account because I believe this account was opened by someone other than me. I have not gotten this information and I 've been sent a repayment agreement that is asking me to notarized. Which I was n't aware of apparently a court date was missed and they are saying that I have to sign and notarize this agreement because they could take my house, car or anything they feel is valuable
Product: Money transfer, virtual currency, or money service

I am writing to formally express any concern regarding Zelles handling of disputes, in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately.
Product: Student loan

Between the years XX/XX/XXXX-XX/XX/XXXX I have attend XXXX XXXX to complete my Bachelors. In XX/XX/XXXX school is closed due to some financial problems and charging too much to students more then they supposed to. After this i went to school which was closed but they put a flyer on the window for how to get transcripts and diplomas. Also they said get in touch with your loan provider to about Student Loan forgiveness. Which is there is an option that once school is closed loan can be XXXX out. I have applied and of course Great Lakes loan office was saying we ca n't forgive the loan because i was at the school by that time. There is an newspaper article that there was an article about this and student who attend this school between XX/XX/XXXX the XX/XX/XXXX eligible for loans to be forgive. This is a monkey on my shoulders and i already am having financial difficulties and my lawyer recommend me to get in touch with you for this matter. I know you can help me and il look forward to hear back from you.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate late payments Account XXXX : XXXX that are reported on my credit file maintained by Equifax XXXX I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : XXXX. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
XXXX. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
XXXX. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
XXXX. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 
Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Mortgage

I was astonished once I looked at my XXXX, XXXX and XXXX credit reports and discovered that I was reported as having a late payment on the date below : 180 days past due as of XXXX XXXX to XXXX XXXX 120 days past due as of XXXX XXXX to XXXX XXXX, XXXX XXXX to XXXX XXXX 90 days past due as of XXXX XXXX 60 days past due as of XXXX XXXX 30 days past due as of XXXX XXXX, XXXX XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.
Product: Credit reporting or other personal consumer reports

XX/XX/2019 XX/XX/2019 15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I am not participating in the collection of this alleged debt. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 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.

Upon reviewing of my credit reports I have come across the account that you are negatively reporting on my credit report ( s ). Upon further investigation I have discovered that you are claiming to have charged-off this account. I am writing this correspondence to request my 1099-C that is associated with this charge off that is in their books. This has been owed to me because the debt that you charged off was more than {$600.00}.