23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

XXXX thru XXXX ( 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 proc 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 XXXX financial loss, and I seek appropriate redress for these violations. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In mid XXXX I sent a letter of my FTC report and the FCRA 605B law informing all three credi bureaus that I was a victim of identity theft. Equifax was the first to block all the fraudulent accounts. I noticed this change on XX/XX/2018. I was impressed and elated. However, The other bureaus required a police report. So, went to my local police department and filed the report on XX/XX/XXXX, and I forwarded the report to all the credit bureaus. I included Equifax as a courtesy. Upon receipt of the police report Equifax put all the fraudulent accounts back on my credit and The block was removed on XX/XX/2018. The disputed information was placed back on my prior to five business day. According to FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), I am required to be notified of any reinsertion within five business days. I have been in communication with Equifax reps on a frequent basis due to this ordeal ; and I have not received notice that it as added or an explanation. Equifax has politely assisted me in removing fraudulent inquiries that were removed the very next day. I know that they can promptly correct this error as well. In addition, I am not confident in the information that Equifax is providing about myself. When I attempt to access the dispute information on Equifax.com site I am unable to pass the verification process as they ask me about accounts I have no knowledge of. This is a difficult time for me as I never expected my identity to be stolen. Please block the fraudulent accounts as you originally did per FCRA 605 ; in which I have attached. Thank you
Product: Checking or savings account

On XX/XX/2021, I received a ATM Debit card from Chase Bank. I never had a Chase Bank Account or opened a Checking Account with Chase Bank. This is identity theft and fraud. They used my social security account, birthday, and address. Chase Bank caught it and closed the account due to fraud and send us a check in the amount of XXXX cents. We called the bank on the XX/XX/2021 to make sure the account was closed due to fraud. We went into the branch on XX/XX/2021 to return the check. I am not taking responsibility of this account or the check. They wrote void across and I kept it for my records.
Product: Checking or savings account

On XX/XX/XXXX I disputed charges of my stolen card and they sent me a letter saying the charges were made with information provided by me when that is not the case. I need my dispute to be opened again and seen better to provide me with a better solution as these charges were not made by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote all 3 credit bureaus ( I will attach all documents ). Only XXXX responded. Transunion and XXXX have ignored me in violation of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING ACT XXXX ( XXXX XXXX XXXX  ) ACCT # XXXX, has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 section 604A section 2 : it also states consumer reporting agency can not furnish a without my written instructions 15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit Karma account the advertisement said my odd to be approved for credit card where good. I completed the application and was denied for several credit cards. This has had an impact on my credit scores and it is also false advertisement. I feel like I was mislead. The company is Credit Karma.
Product: Consumer Loan

I got a loan for a truck in XXXX, XXXX. Even though I was told the truck was still under warranty, a warranty in the amount of XXXX was placed on the loan of the truck. During the first part of the loan, I attempted to use the warranty but no one would accept the warranty. When I informed the lender, no action was taken. In XXXX, after filing a complaint with Michigan XXXX, the lender provided me with a number regarding the warranty. I contacted them and sent a letter in getting it off my loan. It was XXXX XXXX, XXXX it was finally cancelled. they only gave me XXXX of the warranty. I know they do n't have any information because I was told I could change the billing date from the XXXX to the end of the month but later I was told it could not be done. When they contact me they always ask me the same questions, why am I am late and it is not in the records.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$31000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX XXXX Balance : {$31000.00} XXXX  XXXX XXXX Balance : {$0.00}
Product: Vehicle loan or lease

Hello, and I hope all is well. Thank you for taking the time to review the complaint. Purchased car XX/XX/2014, signed contract, drove off the lot. XX/XX/2014 sent a new contract to sign. Email is about gap insurance. In 2014 entering into an agreement with XXXX XXXX XXXX XXXX. for a XX/XX/XXXX XXXX approved for a loan payment of XXXX/ month. Multiple violations occurred during the time of sale. Violations of the UDAAP ; Strategic and Credit Risk. 
Exposing the borrower to credit risk due to the loan 's modifications- At the time resilience score was moderate ; not using risk mitigation strategies, the bank failed to monitor, modify, and control risk. The Initial bill of sale is to ensure payments were able to fulfill the duration of the term. Modifications were the GAP insurance and The Car Warranty. With increasing material losses and Bank failures, my credit score and creditworthiness are compromised. Please review the attached emails. 

Unfair Deceptive Abusive Act Practices.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of addresses that I have never lived at before. 

These addresses were used to open accounts in my name : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX These are the accounts in my name that stems from the identity theft : XXXX XXXX XXXX {$750.00}. XXXX # XXXX OPEN-XXXX XXXX XXXX XXXX XXXX XXXX {$200.00}. XXXX # XXXX open-XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX$300.00}. XXXX # XXXX OpenXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$4600.00} XXXX # XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX $ {$9500.00} XXXX # XXXX OpenXXXX XXXX XXXX XXXX XXXX XXXX. $ {$23000.00} XXXX # XXXX Open-XXXX XXXXXXXX, XXXX XXXX XXXX XXXX. $ {$23000.00}. XXXX # XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  {$720.00}. XXXX # XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX. $ {$3900.00}. XXXX # XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX $ {$150.00} XXXX # XXXX. XXXX XXXX, XXXX A copy of an FTC report listing the ACCOUNTS opened in my name is enclosed. My consumer XXXX credit report now contains multiple fake addresses as a result of these accounts. A copy of your consumer XXXX credit report, which includes the aforementioned bogus addresses. The aforementioned addresses, as reported, are unfamiliar to me. I never began using the aforementioned addresses that are listed on my consumer credit record that you maintain. The addresses listed above are all the product of fraud and identity theft. I've included a copy of the FTC Identity Theft Criminal Complaint # ( XXXX ) as official documentation from the US Federal Trade Commission demonstrating that the addresses listed above are all the product of fraud and identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

APPLIED TO INDIGO ( XXXX ) AND XXXX ( XXXX ) AND XXXX XXXXXXXX CREDIT CARD AND SAID THEY ALL COULD NOT APPROVED UNABLE TO VERIFY MY IDENTITY. I TRIED TO SUPPLY INFORMATION TO ACCOMMODATE AND THEY SAID IT WAS TOO LATE AND RAISES ALARM WAS THAT THE REAL REASON AND ALLOWING ME TO FIX PROPERLY WITH THEM. OR ARE THEY JUST BEING DISCRIMINATING OR LIEING. THEY WOULD NOT GIVE NO MORE INFORMATION OR ALLOW ME TO CORRECT. FLORIDA FEDERAL BANKRUPTCY DISCARGE XX/XX/2021 2021
Product: Debt collection

sent payments for account with the collection agency and demanded written proof of the account being cleared and paid along with written proof being reported to all XXXX credit bureaus. conversed by phone and written letters and was promised documentation via phone XXXX/XXXX/15. since then XXXX additional letters were sent and the last certified mail and demanded written confirmation within 7 business day after receipt. i have received nothing to date. copies of cancelled check available.
Product: Credit card or prepaid card

On XX/XX/22 I received a fraud notification via text message from XXXX bank who provided the XXXX XXXX credit card at the time. I responded within 1 minute to confirm that the purchases being made were fraud. Within a couple of days I followed up with a phone call to reiterate the purchase was fraud. Based on the emails I had received, it was clear that someone gained access to my o line XXXX XXXX account where my card was saved. I was receiving email confirmations for 4 orders where one was mistakenly shipped to me and the 3 others were sent to another name and address. I was told by XXXX that they marked the purchase as fraud and they would not ship. They did in fact ship. 
I then opened a fraud claim with XXXX and received a letter confirming my claim on XX/XX/22. XXXX, XXXX XXXX transferred their credit services from XXXX to Barclays and when doing so did not transfer my fraud claim. In late XXXX, Barclays then began billing me for the outstanding balance. I spoke with a number of people in late XXXX at Barclays who kept asking me to prove it was fraud. I then escalated to a manager who told me I was not the only customer who was experiencing this situation ( fraud where the claim was not transferred ), and that I would receive a call back. I never did. I have called multiple times since and most recently successfully opened a fraud case with Barclays as by now, they had reported my account as late to the credit bureaus. I asked for something in writing confirming the fraud case had been opened and they said I would receive something via mail. I have not. They have a credit for the fraud charges on my account but not for the accumulated late fees which they continue to contact me to collect. This entire experience has affected my credit score and been poorly handled by all companies involved- XXXX XXXX, XXXX and Barclays. I have yet to see full resolution 3 months later.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Klima, Peters , & Daly of Mid-Atlantic Law Group, for committing identity theft Since XX/XX/XXXX for the amount of {$12000.00}. My wages have been being garnished since XX/XX/XXXX. I have never given Klima, Peters, & Daly of Mid-Atlantic Law Group, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have not validated any alleged debt with Klima, Peters , & Daly of Mid-Atlantic Law Group and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/XXXX, I have not received any documentary evidence, such as a trilateral contract, giving Klima, Peters , & Daly of Mid-Atlantic Law Group any right to collect on this alleged debt.

I have never received any documentation requesting validation from Klima, Peters , & Daly of Mid-Atlantic Law Group, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code1692d ( 4 ) which the FTC defines as debt parking. If Klima, Peters , & Daly of Mid-Atlantic Law Group, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Klima, Peters, & Daly of Mid-Atlantic Law Group, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Klima, Peters, & Daly of Mid-Atlantic Law Group continues its collection efforts, I will file for litigation for actual damages caused and Klima, Peters , & Daly of Mid-Atlantic Law Group, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting or other personal consumer reports

Please see previous complaint XXXX. 
The company responded to my attempt to login. They sent me a login link and a temporary password. I used it and was able to login. So I considered the case closed. However I need to change my password, so I'm not using the one that they sent me. When I tried to change it, they asked for my current password. They would not accept the temporary password I was sent, I got a response saying " the current password you entered does not match our records. '' I tried the one they sent me before, same error message. I contacted the company via live chat, they said they'd send another password. They did and I was not able to change my password from the temporary one. They keep repeating the same things, I've used temporary passwords THREE TIMES TODAY. I need to change it from the temporary to a password that only I have, and they will not allow me to. Then they sent messages ( twice today! ) that they were suspending my account because they can not validate my records. I request that they ALLOW ME TO CHANGE MY PASSWORD INSTEAD OF PASSING ME FROM REP TO REP TO REP, NONE OF WHOM DOES ANYTHING DIFFERENT. And stop suspending my account claiming that they can't verify my information. 
This company quite obviously has serious security and website issues, and they have my private information, and they need to fix this.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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Product: Money transfer, virtual currency, or money service

I am filling a complaint against CashApp ( 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: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was offered a tour-presentation through a time share company for 5-7 days and I had to cancel for another engagement and I had paid for the accommodations to XXXX/XXXX   XXXX and cancelled in XX/XX/2019. My trip was scheduled for XX/XX/XXXX through XXXX about. I called to cancel with XXXX-XXXX  but only XXXX of my charge was refunded. I then called choice visa and asked them about the charge on my card + finance charge stating they reviewed and couldn't help me and the dispute has been resolved. Now I only found out about this because I wanted to see any updates on the dispute online no one called me or added a message on my account or sent me a letter regarding this matter.So I discontinued use of the company ( XXXX VISA ) and requested to close my account.
Product: Credit reporting or other personal consumer reports

XX/XX/2025 Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/22 I deposited a check for $ XXXX the actual bank in XXXX XXXX Wa XXXX I was given the bank receipt where it states {$5300.00} will be available on XX/XX/22 & {$2500.00} on XX/XX/22. XXXX funds have been released so I called the bank again and now am being told no fees are scheduled to be released in till XX/XX/22. This is an extreme hardship for me as each day moves forward. I have spoken to XXXX who wrote the check to me and they said this is very uncommon as they write checks daily and have never had this issue. There is no hold on their end is what he has explained to us. So why the funds are not being released is concerning and very frustrating. There is no compassion whatsoever. Its endless waiting on hold while they pass me from one department to another. Very unprofessional.
Product: Payday loan

Applied and approved for a loan from Big Picture Loans in the amount of {$800.00}. When signing the finance agreement, It only mentioned a single finance charge of {$280.00} which was acceptable which is about 35 % Interest. Through a bate and switch, I discovered that I would have to pay 5 payments of {$280.00} which the lender calls a finance charge which has little to no impact on the principal. The truth in lending that was not present at the time of signing shows a 989 % APR with {$6000.00} in finance charges and a {$6800.00} in total payments. I 've called the lender 5 times to resolve this issue and each time received numerous runarounds and call disconnects.