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 financial loss, and I seek appropriate redress ( 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 actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Debt collection

Call to get the debt validated Collection company would not mail or email mail anything would not give me my account number XX/XX/2018 Reporting to my credit {$3100.00} does not have a contract with my signature. Company put a note on my account stating that this is my debt and i just do not want to pay Original Creditor : XXXX XXXX Second Creditor : Security Credit Services
Product: Credit reporting, credit repair services, or other personal consumer reports

I met spoke with a sales person from XXXX on XXXX XX/XX/2021 to obtain a quote for Solar panel installation. At no point was it discussed that I required a loan as I intend to purchase outright. When the sales person asked to confirm my social security number I questioned him on why that was needed. I advised I did not want any loans or any enquiries made on my file. He assured me it was for an identity check and to ensure I own the property. 

I was alerted by Experian on XXXX XX/XX/2021 about 2 new credit enquiries. 
- XXXX XXXX XXXX - XXXX XXXX XXXX I spoke with the sales person immediately. He advised that he wasnt sure why his team had done that and assure me he didnt request any loans for me. Ive spoken with XXXX XXXX more times in the past 2 weeks but Im still yet to get a response other than were looking into it. 

On XXXX, I spoke to Experian and placed a fraud block on my account. They advised that someone would call me to discuss the enquiries but Im yet to receive a call. 

I attempted to call the numbers provided by Experian for the 2 companies responsible and they went to an IVR that didnt allow me to get to an operator. 

I found the numbers online for XXXX XXXX  who operate the XXXX XXXX XXXX and XXXX XXXX XXXX XXXX program and they confirmed that XXXX had submitted loan requests on my behalf. I requested that this be investigated and reversed as I had not requested any loan or authorized my credit report to be shared with any lender. The operator said they would investigate the issue and get back to me. I did not get a return call so I called them again a week later and I was advised that my account was noted with the information but it hasnt been dealt with yet. I requested that it be escalated but as of today I still have not received any update or return call.
Product: Debt collection

Contract was cancelled original creditor ( XXXX ) sold the account to a collection agency ( EOS CCA ) which means they also wrote off my debt on their taxes which wrote off my obligation to pay.
Product: Credit reporting or other personal consumer reports

Request for Investigation of Identity Theft and Data Breach. I learned that my personal information was compromised during a data breach on XX/XX/year> at XXXX, and XXXX XXXX XXXX XXXX cybersecurity attack infecting nearly XXXX XXXX people personal information as well as social security numbers. I am writing to formally dispute inaccuracies on my credit report due to identity theft and a recent data breach that has affected my personal information. I discovered that unauthorized accounts have been opened in my name, which I believe are a result of this breach. I did not provide written or oral permission/ instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 

The identified accounts are not information related to any transaction by me as the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I had an XXXX dollar balance with AMEX/CBNA they have had me showing a balance since XXXX when closed account. But never realized this and its XXXX dollars. 

I just paid this but would like the XXXX dollars removed from my history as delinquent as did not have or was not given notification had this balance. 

There is no reason should have had this on my credit report. Its absolutely erroneous and needs to be removed as negative impact. 


Credit usage 2 % Balance {$8.00} Balance updated XX/XX/XXXX Credit limit {$300.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX Account type Credit Card Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX applied for private loans on my behalf without disclosing the information. The loans are well over 7 years old and should be removed, however, they've appeared on my credit report. The debtor participated in illegal collection tactics by calling my employer and routed to the call center. Each day a different peer of mine reached out to let me know Navient call. The entire call center was aware that I had student loan debt in XXXX. I entered a borrower 's defense claim in XXXX due to unfair practices. XXXX XXXX XXXX never helped me find a job as promised, instead listed my current job with my current employer as job placement. I still don't make the XXXX a year salary that was promised when I enrolled. I attempted to consolidate my loans after Navient, the collection agency began to call my job and talk to everyone about the debt. Navient only consolidated a portion of my loans and left others out. I was under the impression that I was paying on all of my loans and later found out that the private loans were charged off. Made no sense. If I couldn't consolidate them all then why bother with consolidation. Since then, I've been following up on the Borrower 's Defense claim for 4 years only to be told that my claim is still being reviewed. I've been included in 2 class action lawsuits. One for improper collection activity and the other for Borrower 's defense. Yet Navient continues to report every month to the collection agencies of bad debt when I've been working for 4 years to resolve the matter. This issue has prevented me from being able to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back on XX/XX/XXXX my mortgage was in the process of foreclosure, however during negotiations thru my attorney and XXXX XXXX XXXX 's attorney a resolution was reached to pay the back charges due and resume normal activity with mortgage, with no foreclosure and we remained in the home. This was completed sometime in XX/XX/XXXX. So for 6 years I have since made all payments as requested and per monthly statements I receive. Tax 's and Insurance is up to date. The last reporting date on my credit bureau, shows XX/XX/XXXX, and shows current under " payment status ''. But " account status '' shows " closed '', when the balance is XXXX from XXXX when this was worked out through XXXX XXXX XXXX, so balance as dropped as shown, I am not being given credit on bureau since XX/XX/XXXX, and this reports on XXXX and XXXX XXXX. I have called many times but can not get this resolved, and always have to speak to a automated person, or be transferred to someone else who can not help me, except they say " it takes time for updating '' Really? its XX/XX/XXXX, a year and half, since they lest reported. I am not sure why it stopped reporting, as it was reporting current payment but with a closed account?!? I am confused, and need this corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was taken by : CIC CREDIT XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Ordered by : XXXX XXXX XXXX Date Ordered : XX/XX/XXXX There is an open account with Liens and Judgments Report. 
Amount : {$1600.00} XXXX XXXX XXXX XXXX - XXXX DIVISION | County : XXXX XXXXXXXX XXXX  File Date : XX/XX/XXXX Filing # : XXXX Date Last Seen : XX/XX/XXXX XXXX Type : STATE TAX LIEN This is already paid and I will provide the receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent these companies to investigate these inaccuracies on my consumer report via certified mail. They have continued to ignore this matter, your company has not fixed issue. It is still reporting inaccuracies on my consumer report. These companies are direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a 1099c form from this company as requested in my letter. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX : XXXX I have attached copies of my consumer report showcasing the innacuries and as proof on my defense that I have disputed these accounts with these companies. 

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

I called Equifax after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there was an Account : XXXX XXXX  XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying Experian.com to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Equifax not blocking this account is inadvertently resulting in me being extorted.
Product: Checking or savings account

On XXXX  XXXX  XXXX XXXX I noticed I was unable to access my Bank of America on-line banking. I made countless attempts to contact various departments at Bank of America and each time was either placed on a excessively long hold loop which finally resulted in a message stating said department was not open or simply kept me on hold. I spent XXXX HOURS on XXXX  XXXX XXXX attempting to resolve this matter unsuccessfully with the Fraud Department who said there was no issue they can see with my on line access. 

This morning, XXXX  XXXX XX/XX/2022, I have again attempted to resolve this and have spend an additional XXXX minutes listening to people " apologize for the inconvenience '' and then transfer me from one department to another, all with " higher than normal wait times '' resulting in my being placed on excessively long hold periods. 

I remain unable to access my on-line banking, investments or any financial management programs. The only rationale explanation is incompetence or a desire to sequester my funds without my permission to utilize them for unauthorized purposes.
Product: Debt collection

I received a call from a XXXX from a place called XXXX XXXX services for an old XXXX account that's past XXXX collection effort law. I explained I lost my job in XXXX and he told me he would notate my account. today I get a call from a person who claimed he stated his name, and when I asked again he refused to tell me and played hang up on me as he stated something to the effect you already spoke to XXXX we will forward this for further action... I demanded answers and he hung up on me again third time i called he lied said he didn't then put me on hold for someone named XXXX who also played that keep asking my name question as I already told them yes and wanted to play more games then I get a tarin on the phone who states she has no record of the previous person I spoke to!!!!! lies and against the law
Product: Credit reporting or other personal consumer reports

I have recently look at my credit report and notice a couple of accounts thats not mine. I have came to the conclusion that XXXX and XXXX and Experian Have been reporting this information please Remove and block from my consumer report ASAP ACCOUNTS ( COLLECTIONS : XXXX XXXX XXXX ) Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  please do whats fair and equitable to me as a consumer Please i ask if you can block and remove with in 3 business days
Product: Payday loan, title loan, or personal loan

I was in a pretty desperate situation and took out a loan for {$1500.00} with target cash now. I had previously had a loan with them and the loan payment was quite a bit less. So, to help pay my bills I took out a second loan with them. For a loan of {$1500.00}, I now have a payment of {$490.00} every two weeks. I will be paying back approximately {$8000.00} on a {$1500.00} loan. This is putting me into a worse situation than I was in before and I am desparate to get some relief and be able to get current and stay on top of my monthly bills. I dont know what to do to get myself out of my current situation, but I feel like I am so far under water that my situation will keep getting worse. Please let me know what I can do to solve this situation.
Product: Mortgage

This is in response to their response. Which was they are researching and will advise as soon as possible. Which is what they told me almost 4 months ago. In the mean time I am still required to pay higher payment. I feel like this is their response to keep delaying it. It doesnt take 4 months to come up with an answer
Product: Checking or savings account

On XX/XX/XXXX, Bank of America closed my account for no reason. 

Today, XXXX months later, I have not received yet the money I had in my account. I just called the bank to ask for when would they release my money and they stated that they don't have a time frame for this. Meaning, they could hold my money forever? I truly do not understand. 

I understand that Bank of America can close my account at any time they want or for whatever reason. But, for how long can they legally hold my money? 

I ask CFPB to please intervene and help me in this situation, so Bank of America does not take advantage of me.
Product: Debt collection

I never had a XXXX  XXXX card I never had a credit card ever in my name
Product: Student loan

Forgery of XXXX certificates of my XXXX children XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX ( XXXX ) with the City of XXXX and XXXX XXXX XXXX for a mortgage loan at XXXX XXXX XXXX, XXXX, VA XXXX
Product: Credit reporting or other personal consumer reports

This letter serves as a formal cease and desist notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c ( c ), regarding your continued attempts to collect on alleged debts. I am specifically addressing the following entities : XXXXXXXX XXXX XXXX Transworld Systems, Inc. 
XXXX XXXX XXXX XXXX XXXX You are hereby notified to immediately cease and desist all communication with me regarding any alleged debts associated with your agencies. This includes, but is not limited to : Phone calls to my home, work, or mobile device Emails, text messages, and mailed correspondence Reporting inaccurate or unverifiable information to the credit bureaus Any further collection attempts directly or through third parties I formally dispute any and all claims of indebtedness you allege against me and request validation of any purported debt in compliance with the Fair Credit Reporting Act ( FCRA ) and the FDCPA. If you are unable to furnish verifiable proof of the original contract and balance owed, this matter must be closed immediately, and any negative reporting must be deleted from my credit file. 

Failure to comply with this request may result in legal action, including complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. Additionally, any further communication in violation of this request will be documented as evidence for potential litigation. 

I demand written confirmation within 30 days that all collection efforts have ceased and that this matter is considered closed.
Product: Debt collection

I believe this debt is not mine. It is reporting incorrectly as opened accounts. 

XXXX XXXX {$3100.00} XXXX XXXX {$1000.00}
Product: Checking or savings account

Every summer I go on a trip to XXXX XXXX to visit family and friend and 4 months ago, I went on a trip to XXXX XXXX for vacation and since I spend half of my time there and of the international fees I decided to open an account with a local bank there ( XXXX ) and stop using my Wells Fargo debit card. I left on XX/XX/XXXX and came back in XXXX and while I was at the airport I tried to my Wells Fargo debits card to call an XXXX but my card got declined so I decided to look into my zipper bag in my luggage which where I keep my debit card but I couldnt find it so I ended calling a friend to come pick me up and when I got home I saw a Wells Fargo letter saying my account is close. I immediately went to the nearest Wells Fargo XXXX and a lady told me my account got closed because I didnt have enough money in it for a certain period of time. I paid the money I owed which was XXXX dollars and opened a new account I asked the lady if I can see my old account summary but she said once an account is closed Wells Fargo cant go through it no more. I went home that day and call IRS to track my taxes and realized my XXXX XXXX dollars check has been deposited in my account since XXXX. I called Wells Fargo bank again and talked to a guy named XXXX he told me he has checked my account and said all the money has been withdrawn at an Atm around the XXXX of XXXX which was about XXXX XXXX dollars. He asked me if I wanted to open a claim I said yes and ended up opening a claim. XXXX week later I received an email saying my claim has been resolved and that I should be receiving a letter and since I didnt receive nothing I called again today and another guy name XXXX told me my claim go denied, and told me they believe the transaction was made by me or someone authorized by me. I am currently out all my savings Im a single parent i also I have XXXX kids to take care of and my youngest is still a baby and I have no idea what to do right now.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, and XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C. 1681 602 A. States I have the right to privacy 15 U.S.C. 1681 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 recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me.

As in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Debt collection

I received notice from the Bureau of Fiscal Service, US Department of Treasury that they were attempting to collect a debt on behalf of another federal agency without first being notified by the original agency. In addition, the Treasury initiated credit bureau reporting at the same time they sent notification of collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had lived in XXXX since XX/XX/2015.. And I had noticed that someone had used my information and opened up bunch of creditcards. 
These accounts are not mine