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 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 actice have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Money transfer, virtual currency, or money service

Both XXXX and Wells Fargo continue to ask me to contact the other group. Despite asking for assistance from both aides, neither will follow chargeback procedure. I have put in multiple complaints and have contacted both parties multiple times woth no help. I want to be directly contacted by both parties so that I can actually reciece help
Product: Debt collection

This kind of account is placed as a collection account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and as a result, I am requesting the deletion and blocking of all accounts that have been compromised or are otherwise connected to this incident. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ), I am entitled to request the deletion and blocking of information from my credit report that was a result of fraudulent activity or data breaches. I ask that you immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

The purpose for my complaint today is because I have tried to log in to my lowes account online and it is not allowing me to log in. I called in and spoke to a representative in the fraud department whom then sent me a code to my home phone number and verified that it is me. She proceeded to tell me that my account was triggered due to my recent address change. She then explained further that some aspect of the account sent my account for management review and that there is nobody that I can speak to call back in 1 week. I find this situation to be ludicrous due to me being a lowes credit card customer since XXXX of 2014. I have never been late on my account and have not gone near my credit limit. I proceeded to ask for a corporate number and was told there is no such number.
Product: Checking or savings account

I received a phone call from a " BB & T Fraud Specialist '' from the phone number associated with BB & T Customer Support. This individual called me by my appropriate name and stated there was suspected fraudulent activity on my account. They stated an attempted charge which I didn't attempt which I responded " no '' to attempting. After this they repeated back to me various charges which my husband and I had completed with our checking account. I found out later that this was a spoof call, despite coming from a legitimate BB & T phone number. As they had personal information such as my name, phone number, and recent legitimate charges, I believe that this was an internal hack at BB & T resulting in the spam/fraud of my person. When changing account information at a BB & T branch location, they also mentioned that at least 6 other consumers came into that branch with the same issue. 

As a result, I have changed my phone number, opened a new email account, have changed all passwords associated with various online accounts, and closed/opened a new checking/savings account with BB & T.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding an account listed on my credit report byCAPITAL ONE AUTO FINANCEunder account # XXXX I sent a dispute letter regarding the information that XXXX  and XXXX reported re : this account on XX/XX/XXXX and XX/XX/XXXX and both times XXXX and XXXX  responded by stating that they full verified the information on the account as  100 % accurately reported. However this is completely untrue. 

This account is being reported as a balance of {$8300.00} on my credit report however I have documentation XXXX attached ) from Capital One showing a balance of {$7600.00} since XX/XX/XXXX. As a matter of fact, you can see via ledger that a balance of {$8300.00} was NEVER owed by me to this company. 

What this means is there is absolutely NO WAY that XX/XX/XXXX and XX/XX/XXXX could have legally verified the information they claim they did and my rights as a consumer were flagrantly violated. 

Also, enclosed documentation also shows the account was opened AFTER the date XX/XX/XXXX has reported on my credit report. Another violation. They also continue to report payment history despite this account being in a charge off status. More violations. 

Also I respectfully demanded proof from CAPITAL ONE AUTO FINANCE that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. - EFFECT OF ERRORS OR OMISSIONS. 
XXXX-611. - NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. - TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. - CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL No such proof was provided within 15 days from their receipt of my certified mail notice, which means the alleged claim of a deficiency is considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports is a violation of the FDCPA and FCRA.
Product: Mortgage

XXXX is my Mortgage lender and Loancare collects payments for them. Signed up for estatements and they wouldnt send them. Called for months and spoke to several people about it. Excuse after excuse and they wouldnt fix the problem. Was late on 2 payments and it was because of their errors. Called last time and tried to make my payments in XXXX. They wouldnt let me. Said XXXX had changed over to new service, my file was deleted from the system and they could no nothing. They reported me to XXXX XXXX XXXXXXXX and credit agencies. Had my loan with XXXX XXXX for over 20 yrs, without a single problem, pay all my bills on time and am never late. Loancare has ruined my excellent credit rating. It was excellent and in one day because they accused me of being in default ( which is now on my record ) my credit rating with one agency drop XXXX points and with another XXXX. I call and cant get anyone on the phone. Msg. says no one can answer now. Loancare has GOT to fix this problem and IMMEDIATELY! They have to take off the late charge, call all creditors and tell them it was their error, have my credit rating restored to what it was and stop the torture Im going through. I am XXXX and have XXXX XXXX XXXX XXXX My mother is XXXX yrs. old and Im her sole caretaker. We have enough on our plate. I shouldnt have to go thru this and NO ONE SHOULD. Loancare is a disreputable co. and has to be stopped from ruining peoples lives like theyve ruined mine. I know this is a serious offense. I spoke with my attorney and I can file suit against them. I will report them to every credit agency and government entity I possibly can if they dont take care of this NOW!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a notification from XXXX XXXX that there was a hard inquiry on my credit report. I later received a notice from XXXX regarding my application to a Visa card that I did not apply for requesting a copy of the front & back of my Drivers license, Social Security card and a current utility bill or bank statement. Obviously I did not send them anything as this appears to be a fraudulent application on my behalf.
Product: Debt collection

received notice from collection agency that I owed over XXXX to a credit card from XXXX which I do not have I have never been in a XXXX. This was through XXXX Bank and done of XXXX XXXX. I had just opened an account at XXXX store in XXXX XXXX through XXXX Bank and one month later I receive a letter from Portfolio collection It was sent to XXXX XXXX My name is XXXX XXXX. He or she also had my social number and birthdate. This is not me who did this. My credit is excellent
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I have written several asked for evidence supporting the inaccurate entry being reported by TRANSUNION for XXXX XXXX. 

I have repeatedly asked for evidence to support the inaccurate reporting, but yet, again, they have failed to provide me a with a a copy of ANY viable evidence submitted by XXXX XXXX substantiating their claims. Furthermore, I have requested the method of verification, to which there was no compliance, which is a an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). 

I have maintained careful record of my communication with TRANSUNION per Wenger v. Trans Union Corp., No. 95-6445 ( C.D. Cal. XXXX XXXX XXXX ) for liability and willful non-compliance. They have violated federal law but not properly investigating within the required timeframe and the item should now be removed due to inaccurate reporting.
Product: Credit reporting or other personal consumer reports

I filed a dispute on { XXXX, XXXX XXXX } in the amount of {$2800.00}, due to this account being opened fraudulently. Experian and Equifax denied to follow up with the investigation. 

Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or incomplete items unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax alleging systemic issues such as failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equidaxs inaction violates federal law and my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to Transunion XXXX and XXXX about some inquiries on my credit report that were not authorized and since they are fraud should be removed from my credit file, however, they refuse to remove them off my report so I believe they are committing acts fraud right along with the company that is doing the reporting.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/year> Subject : Credit Report Dispute Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) Dear Sir/Madam, I am writing to formally dispute inaccurate information found in my credit report issued by XXXX, Equifax, and XXXX. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, I am exercising my rights to dispute and request verification of inaccurate, incomplete, or unverifiable information in my credit report. I hereby demand that these errors be investigated and corrected immediately.

Upon reviewing my credit reports from the three major credit bureaus, I have identified the following discrepancies : Personal Information : My address is reported inconsistently ( e.g., XXXX vs. XXXX ). As per FCRA 611 ( a ), I request an immediate correction to reflect my accurate address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. 
My employer information is inconsistent ; XXXX lists " XXXX, '' which is not present on other reports. Under FCRA 605 ( a ), I request this data be verified and corrected if found inaccurate. 
Account Information Discrepancies : XXXX XXXX XXXX ( Account Number : XXXX ) : Late payment reports differ across bureaus. My records show timely payments. Under FCRA 609, I request verification and removal of any inaccurate late payment entries. 
XXXX XXXX XXXX XXXX ( Account Number : XXXX ) : Various late payment counts are reported inconsistently. Under FCRA 623, I request an investigation and correction.

Credit Account Balances and Limits : Equifax reports a loan debt of {$7500.00}, which is absent from my XXXX report. Under FCRA 607 ( b ), please investigate and correct any discrepancies.

Pursuant to FCRA 611 ( a ) ( 1 ) ( A ), you are required to complete your investigation within 30 days and provide me with a written statement of the outcome. If the investigation determines the information to be inaccurate, please remove or correct the errors and provide me with an updated report. If verification can not be completed, I request the immediate removal of the disputed items from my report in accordance with FCRA 611 ( a ) ( 5 ).

Please consider this letter as my formal dispute and request for re-investigation. Failure to comply with my requests may result in further actions to protect my consumer rights under federal law. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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. 

I told the XXXX, Transunion, and XXXX to correct my personal info so everything can correct on my report. 

Name : XXXX XXXX XXXX XXXX SSC # : XXXX Address : XXXX XXXX XXXX # XXXX XXXX, Iowa XXXX However XXXX they stated everything was complete and accurate. But how is that possible if they still showing incorrect info on my report. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't 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 a account 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT Below are the names of people and/or organizations who have obtained a copy of your Credit Report. Inquiries such as these can remain on your credit file for up to two years. 
Creditor Name Type of Business Date of inquiry Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681c-2 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 Shall be removed from the consumers report not later than 4 business days after the date of receipt.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

PS!

THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my XXXX XXXX in violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX ). 

Account Information : Creditor Name : XXXX XXXX  XXXX Account XXXX Date of Charge XXXX Amount : {$0.00} I have previously XXXX the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA 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. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX # XXXX Account Name XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : NXXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX 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 card

XXXX XXXX ... account open in my name XXXX XXXX XXXX I do not own nor have any access too. 

XXXX XXXX XXXX XXXX ... account open in my name XXXX XXXX XXXX I do not own nor have any access too. 

XXXXXXXX XXXX ... account open in my name XXXX XXXX XXXX I do not own nor have any access too. 

XXXX XXXX  ... account open in my name XXXX XXXX XXXX I do not own nor have any access too. 

HSBC Bank ... account open in my name XXXX XXXX XXXX I do not own nor have any access too.
Product: Credit reporting, credit repair services, or other personal consumer reports

inquiries on my accounts on my credit reports thats not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX, XXXX  # XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A status, 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.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of the fraudulent accounts and inquiries listed below from my credit report. As a victim of identity theft related to a data breach, these accounts and inquiries were made without my authorization. I invoke my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to block and delete these items from my report. 
Fraudulent Accounts to Block and Delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX