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 proces 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 5,291 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 proces 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 or other personal consumer reports

EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : Upon inspecting my credit report, I have ascertained that there are multiple credit inquiries which I deem unauthorized and possibly fraudulent. Specifics of the inquiry in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 affirm that I have neither granted permission nor acquiesced to allow the aforementioned entities to peruse or evaluate my credit information. Furthermore, no consent was imparted on my behalf for Equifax to compile such inquiries into my credit history. These practices appear to contravene Section 1681b ( c ) of the Credit Reporting Act and encroach upon my statutory privacy entitlements.

In compliance with the requirements engendered by this situation, I request verification of this data from the above-listed entities and insist upon receipt of all pertinent documents substantiating these inquiries, inclusive of those containing my signed approval if existent. 

Moreover, I mandate that Equifax present tangible evidence of a contractual agreement between myself as consumer and Equifax that establishes explicit consent for Equifax to disseminate any personal information thus related. This document must bear my signature as proof of consent. 

Should such validating documents be unobtainable or nonexistent, I hereby demand immediate expungement of these questionable inquiries from the credit file linked to my Social Security number. 

Please be apprised that under Section XXXX of the Fair Credit Reporting Act, there exists a statutory obligation for your entity to procure the requested agreements and execute an investigation forthwith. 

I anticipate your prompt attention and resolution to this issue. 

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

Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA XXXX U.S. CXXXX XXXX ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section XXXX USC XXXX ( 2 ) XXXX, XXXX USC XXXX, and XXXX ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section XXXX USC XXXX. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C XXXX ( g ) ( 1 ) ( A ) USC XXXX I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

I contacted capital one on several occasions ( approximately mid XX/XX/XXXX, mid XX/XX/XXXX and mid XX/XX/XXXX ). They keep transferring me to overseas representatives who keep repeating information like robots and have no clue into how to resolve an extremely simple issue. 
I purchased tickets on a monthly payment plan in XXXX for a concert ( XXXX ) in XXXX. I asked XXXX to stop charging my card in mid XXXX and again in XXXX as they were not responding to when tickets would be shipped. It was cutting way too close as airfare and hotel need to be purchased quickly as prices go up fast. Long story short XXXX never stopped charging and I never went to the show. 
I contacted capital one with this same information and they advised me to send a copy of the communication between me and XXXX. I sent them PAPER copies via snail mail AND pictures via their secure dispute link. The emails clearly show me asking to stop the charges and not wanting the tickets anymore ( which is not against any terms & conditions per XXXX  ) and a representative NEVER emailing me back about my issue. Why is it ol for Capital one to not resolve this and to also continue to charge interest on a charge that should have been refunded. Till this day CAPITAL ONE NEVER PROVIDED PROOF THEY EVEN REACHED OUT TO THE COMPANY ON MY BEHALF TO RESOLVE A YEAR LONG ISSUE. I am hoping CFPB can get to the bottom of this.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX XXXX and Equifax due to their mishandling of a medical collection that appears on my credit report. This situation involves clear violations of federal laws that protect both my rights as a consumer and my medical privacy.

HIPAA Violation : XXXX XXXX appears to have obtained and used my medical information without my explicit consent or proper authorization, in violation of the Health Insurance Portability and Accountability Act ( HIPAA ).

HIPAA Privacy Rule Violation, contained in 45 CFR Parts 160, 162, and 164.

FDCPA Violation ( 15 U.S.C. 1692g ) : Required debt validation was not provided. Despite my written requests, XXXX XXXX has not provided sufficient documents to prove the validity of the debt. 

FCRA Violation ( 15 U.S.C. 1681s-2 ) : XXXX XXXX  reported this medical debt to the credit bureaus without verifying its accuracy. Additionally, they failed to adequately respond to my dispute filed through the credit bureaus, which is a violation of their obligation to ensure that the information reported is accurate and complete.
Product: Checking or savings account

Update re funds from closed Checking account ending in XXXX. This account had an Outstanding balance upwards of {$500.00} prior to closing. The {$200.00} from checking account ending in XXXX ( se formal complaint # XXXX ) was applied to the debt involving former checking account XXXX.
Product: Credit card or prepaid card

I received an alert from my credit monitoring companies and I received a credit card in the mail, I had not applied for. When I called the company, they informed me at least two different credit card accounts had been opened. One for Ulta and the other for XXXX. 

Ulta - Charged : {$530.00} XXXX - XXXX : {$1000.00}
Product: Credit card or prepaid card

I made a purchase at Best Buy using the  my Citi Best buy  Credit card. On  XXXX / XXXX / XXXX  in the amount of  XXXX  with a deferred balance for twelve months which gave me till  XXXX to pay it off I paid over that amount to honor the deferred amount. I was charge  XXXX  dollars in interest on my  XXXX   XXXX  bill. I called the company and they stated once interest is on the bill it can not be removed. I did make another purchase in  XXXX  for  XXXX  dollars. In order not to get the interest charges I had to pay the entire bill not just the promotional balance which was not made clear during any of my purchases.
Product: Mortgage

On XX/XX/2023 I received a letter from my mortgage lender ( National Mortgage LLC Mr Cooper ) asking me to shop for another home insurance compony until XX/XX/2023 ( when my policy expires ) due to its " low rating. '' I called them the next day without resolution. 
The letter reads " National Mortgage LLC routinely verifies the financial size and rating of insurance companies. Our resources book, the nationally published XXXX XXXX XXXX XXXX XXXX indicates the strength of insurance companies. A company B or better provides the coverage and protection our investors require. Your policy does not meet our acceptable coverage standards. Please contact your agent and provide us with new policy to avoid placement of temporary coverage on your property. '' I am a humble homeowner for XXXX plus years and have been with a number of mortgage lenders before and this was the first time I have heard of this. I am with same home insurance company for years ( XXXX XXXX with my auto insurance to get discount ) and never lapsed on payments. I live in California and some homeowners here are being dropped by other big insurance companies as we speak due to California being a fire hazard. Hoping for resolution on your behalf. Know that your help will be greatly appreciated!
Product: Credit card

I received an alert from my credit monitoring company that a new credit card was issued in my name from XXXX. I have never applied for, nor received any credit from them. I have contacted them 6 times to resolve this issue, and have had to open several fraud cases that have been closed without them even contacting me. They said they sent me an affidavit in the mail, but I never received anything. I asked them to confirm my address, and they did. Asked them to send another one 3 TIMES! When I didnt receive any of them, I asked them to send it certified mail, but they said they ONLY use regular mail ( how convenient ) and that I can not download it from the website. My last call was on XX/XX/XXXX and I was told that I didnt need to worry about it, and that they would take care of it. On XX/XX/XXXX I received an alert from my credit monitoring company saying that I had an account that was past due. I filed disputes with the credit reporting agencies, and am going to file suit in small claims court if this is not resolved by and of month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking over my credit report I noticed there were some late payments showing and due to the pandemic/hardship i was not able to make those payments on time. The following account that shows late payment for XXXX, XXXX, XXXX XXXX XXXX XXXX # XXXX. Due to the Pandemic Shutdown I was effected financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I have contacted XXXX more than 5 times due to the Company reporting inaccurate information on my credit report They are reporting a XXXX Consumer Account on my report that is not ONLY inaccurate but it also has several inconsistencies- The High Balance is Incorrect The Account is reporting as Charge Off - Yet it is reporting a balance which is INACCURATE reporting They are failing to provide me with proper documents to verify this account! They only responded in XXXX of XXXX stating the account is verified and they failed to respond to reinvestigation request! 

The account has tons of errors and they are not properly verifying nor honoring my right to dispute information on my credit file!
Product: Debt collection

Was never informed about this collection account. I never received any information about this debt. I am supposed to receive legal disclosures regarding any debt a collector puts on my credit report.
Product: Debt collection

I believe this account is a fraud. Please see attached XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

XXXX XXXX XXXX XXXX has violated my rights. 



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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 

THESE ITEMS WERE DISPUTED WITH ALL 3 CREDIT BUREAUS ON XX/XX/XXXX THEY ALL STILL APPEAR ON MY CREDIT REPORT AND NEED TO E REMOVED BECAUSE THEY ARE BREAKING THE LAW 1. Identity Theft XXXX XXXX NA Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 

3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX  This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report XXXX. XXXX  Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report.
Product: Credit reporting 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. 

Account Name : XXXX  : Account Number : XXXX Account Name XXXX XXXX  : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number XXXX XXXX  Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched 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 items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

HSBC approved me for a new truck loan several years ago. But then two weeks later they took back the loan saying I didnt fit their credit granting criteria. Why did they approve me of the loan to begin with. I was able to keep the truck with another finance company. But it has always bothered me the way hsbc treated me. They acted very sexist towards me and it was a mean thing to do to me. I have always wanted to know why did they approve me to begin with.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Thanks
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$16000.00} XXXX XXXX Balance Owed : {$16000.00} XXXX XXXX Balance Owed : {$16000.00}
Product: Credit reporting or other personal consumer reports

Hi, I'm submitting this complaint because I have nowhere to turn to! Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, TransUnion, & XXXX didn't make sure it was reporting 100 % correct. 
In accordance with the FCRA and Metro 2 compliance reporting standards.

Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that XXXX, TransUnion, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Product: Checking or savings account

I have received two CashApp debit cards with what seems to be two different CashApp IDs. They were both opened without my knowledge and consent.
Product: Credit reporting or other personal consumer reports

Kindly please remove and block. 
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask that they be removed. You must take immediate action to delete this false information from my files
Product: Debt collection

Sarma Collections Inc has a negative mark on my XXXX  credit report which is preventing me from acquiring new credit. I have sent a check for the full amount in promise for deletion yet account is still on my credit report.
Product: Mortgage

I have water damage in my home XXXX I called XXXX they put my family and I up in a hotel, I was in the beginning of the COIVID 19. 
XXXX send a check to have my kitchen and wash area redone we have no running water.. everyone in my household was out of work. 
XXXX send a check out immediately. The check was endorsed with my name and shell point mortgage name. I reached out to shell point mortgage, they informed me to endorsed the check and send it to them. This was back on for XX/XX/2020. Since this incident I been going back and forth with Shellpoint Mortgage, still no check ... we had to pay out of pocket to get our home fixed,, we sent numerous pictures regarding this still no funds.. XXXX did their part they was extremely wonderful and very helpful dont want this world crisis ( COVID-19 ) .. today is XX/XX/2020. Still waiting on shell point to send a check that XXXX already provided.. Shell XXXX is a horrible company they dont take pride in their customers very rude and not easy to work with. I get the E for services if you can help me with this matter I greatly appreciate it XXXX XXXX XXXX XXXX XXXX I completed the work in my home ourselves
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$750.00} XXXX  XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$400.00} XXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX  XXXX Balance : {$400.00} XXXX XXXX XXXX  XXXX Balance : {$440.00} XXXX XXXX XXXX Balance : {$2200.00} XXXXXXXX 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 accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries 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.