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 Regulations E. These actions have caused significant inconvenience and financial loss, and seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app, ( block , Inc ), due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( 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, they dispute resolution process was unfair and deceptive, as if they did not comply with error resolution requirements under the electronic funds transferred act ( EFTA ) and Regulation E. These action have caused significant inconvenience, and financial loss and I seek appropriate readdress for these violations.
Product: Credit reporting or other personal consumer reports

I did not give anyone authorization or consent to use my personal information. 

I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. As well as 15 U.S.C. 6802, and the Privacy Act of 1974. This company is also violating Metro 2 Compliance guidelines. This is FRUAD AND IDENTITY THEFT. It saddens me to know that this company has complete control over my livelihood by sharing private personal information that is incorrect or invalid and AGAINST MY WILL. Their power is going completely unchecked, even with the laws in place that are supposed to protect my consumer and civil rights. I will be taking this company to arbitration if the following addresses are not removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I had XXXX late payment during the XXXX  because my XXXX XXXX webiste was down and their call center did not have enough people to answer the phones. All of my other payments have been on time. Despite this late payment happening during the height of the XXXX Experian refuses to remove the negative mark from my credit report and it has hurt my credit. 

Additionally I XXXX I canceled my paid membership with Experian and switched to their free version they dropped my XXXX XXXX by XXXX points with no explanation. I had no late payments no high balances on my credit cards, and no new inquiries into loans, credit cards or anything that could hurt my credit report. They only thing that changed for my credit was that I stopped using the paid memebership on Experian and they dropped my score XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}, {$6200.00}, {$3100.00}, {$24000.00}, {$11000.00}, {$14000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3100.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$24000.00} -This is not my account. 


-- STUDENT ACCOUNTS 5. DEPT OF EDUCATION/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

6. DEPT OF EDUCATION/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 


-- COLLECTION ACCOUNT 7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Vehicle loan or lease

In XXXX of XXXX, my wife and I leased a XXXX XXXX XXXX XXXX through Ally Auto. The lease was slate to end in XXXX of XXXX, but instead we paid a monthly amount of {$970.00} for an extended 6 months and we were trying to purchase the truck during that time. Ally did not give us a definite answer and we turned in the vehicle to XXXX XXXX, a designated auto dealer. We reviewed our contract that was signed and we were not to pay for any extra mileage. Ally started sending letters and calling us daily about a {$26000.00} balance we had. I personally told them that they need to review the contract and apparently could not provide us with any proof that we owed them for mileage. This issue has since posed a problem, because Ally Auto is reporting the closed account as open and also reporting it as an open loan. We spoke with them again and was told that the issue was escalated to management and this has been over 2 months without results.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXXXX/XX/XXXXXXXX - XXXX Account Number : XXXX Account Name : XXXXXX/XX/XXXX XXXX XXXX Account Number : XXXX -XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/year> :
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Experian, XXXX, and XXXX   have ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are require to '' ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

the company 's below have violated my rights. 15 USC 1681 SECTION 602 A 15 USC 1681 SECTION 604 A SECTION 2, 15 USC 1681c ( a ) ( 5 ) company had also NO PERMISSION to report ANYTHING USING MY INFO PURSUANT TO 15 USC 1681 4 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2015 Is The date the XXXX credit reporting bureaus are falsely reporting a XXXX XXXX bankruptcy on my report. I have had fraud with my identity stolen in the past. I have called XXXXXXXX and they have verified no such bankruptcy was filed in my name. I have tried and submitted evidence to all XXXX bureaus and have been informed by the bankruptcy court that they do not verify information for the XXXX credit bureaus so therefore that is false information they are saying had been verified. Thank so much for any help. XXXX XXXX
Product: Credit reporting or other personal consumer reports

My information was bought and sold illegally because I was a victim of the Equifax Data breach I want these items deleted from my consumer credit report immediately. I'm attaching proof that Equifax admitted that I was a victim of the Data breach Equifax has done nothing to stop or remedy this issue. 
Please delete these fraudulent hard inquiries XXXX XX/XX/2023 XXXX XX/XX/2XXXX XXXX
Product: Debt collection

Transworld Collections constantly calls ( XXXX ) XXXX attempting to collect a debt from someone named XXXX XXXX. We have told them repeatedly that no XXXX XXXX at this address or phone number. We have been told repeatedly they would remove our phone # from their database, but they have called 3 times JUST THIS WEEK. This has been our phone # for 7 months and we have received no less than 2 dozen calls from this company no matter how many times we tell them we do not know XXXX XXXX or how many times they tell us they will stop calling us, they continue to call.
Product: Mortgage

During XXXX my mortgage servicer PHH Mortgage Services agreed to a mortgage forbearance plan. In XXXX, XXXX I informed them that I would like to start paying my mortgage again. 
Instead of pushing off my payments to the end of the loan as I was promised that they would, they told me that I will need to apply for a mortgage modifications. I had no problem with this. 
I made all the trial payments on time, and in XXXX, XXXX they sent me a loan modification agreement to sign. Both myself and my wife signed it, had our signatures notarized, and sent it back to them. 
In the beginning of XXXX of this year, I received a letter back from them that there was a problem with the notarization on the agreement that we signed, and that they wanted us to sign it again and have our signatures notarized. 
While we did not understand what your problem was, we obliged with their request, and in order to make sure that they would have no problem with the notarization, we went to an Attorney to have it notarized. 
The second modification was due on XX/XX/XXXX We sent it back on XX/XX/XXXX, and per my discussion with their agent XXXX ( ID # XXXX ) it was received and scanned into thier system in a timely manner. 
On XX/XX/XXXX PHH Mortgage Services sent me a letter informing me that they denied my request for a Mortgage modification for the following reason. 
" You failed to return the final modification agreement within the required timeframe. '' I wrote them an email that this is not correct, and they responded as follows : " Please be advised the notary is incomplete as the notary public incorrectly acknowledged borrower name on the notary page as " XXXX XXXX ''. The notary public should acknowledge borrower name correctly as XXXX XXXX exactly as per the name printed on the agreement. The loan is eligible for denial due to the agreement not being received on time ; hence, the loan modification is denied. '' This is something that is so easy to fix, and furthermore, this still doesn't explain their problem with the first modification agreement. 
I believe that they have been acting in a bad faith and an unfair manner this entire time. And I would appreciate your assistance with this matter.
Product: Mortgage

I previously filed a complaint against PHH Mortgage pertaining to the fees on my account that never should have been on my account from the beginning because my home was not in foreclosure in XXXX. The company finally admitted that they lost my check. They sate, " our cashiering department has removed all foreclosure fees and expenses assessed during XX/XX/XXXX through XX/XX/XXXX... you are not responsible for paying '' they removed {$2200.00} in fees but state that the remaining miscellaneous fees of {$3100.00} are valid. I dispute the validity of these fees and I have noticed that they are also inaccurate because each month that I get my mortgage statement, the fees are showing as {$13000.00}!!!!! Past unpaid amount of {$8800.00} Assessed Expences {$3300.00}. These amounts are preposperous, and ever since this company has taken over my account they have been trying to defraud me in one way or another. I demand to have these fees removed! I need to refinance my house from a really bad modification during the XXXX  XXXX and i can't do anything with these unsubstantiated amounts of monies claimed to be owed. I would like to know where these fees came from when the end of my last complaint, the company claimed that I owed about XXXX. This is causing me a great deal of stress and I can not communicate with this company. In fact, the most information that I ever had was when i filed a complaint.
Product: Checking or savings account

So i have had fraud last month on my account which caused my account to go negative which resulted in overdraft fees which the bank took care of. For the most part the bank has fixed most issues with my overdraft fees on my account until this point. I spoke with a supervisor today and she refused to refund back my overdraft charges but two of them not all three and she wanted me to turn off overdraft protection which i refuse to do because i need it in place for my business. The bank continues to charge me overdraft fees for pending charges on my account even when I'm positive in my account at the time. I've read their rules and a supervisor agreed no overdraft fees will be charged on pending transactions but it continues to happen. I'm happy to pay any fees for charges that when they actually process to my account make me go negative. like right now i have three pending tractions one I personally now will fall off of my account because it for my business but if i was to add money to my account right now the pending charges all but that one would go thru and i would be charged in a day for overdraft fees on those. 

So on : XX/XX/year> was charged twice for XXXX {$10.00} one of the charges where denied for refund back even though I put in refund request thru XXXX and spoke with agent on the phone at the bank explaining it was a double charge XXXX I deposited {$770.00} making my balance {$190.00} covering overdraft and my negative balance from before which I always take care of. 

XXXX Charge for XXXX  for {$10.00} went thru making my balance {$170.00} I was charged an overdraft charge for this on XXXX for {$32.00} XXXX XXXX  charge for {$10.00} my balance then was {$160.00} I was charged an overdraft charge on XXXX for this for {$32.00} XXXX XXXX  charge for {$21.00} balance was then {$140.00} I was charged an overdraft charge on XXXX for this of {$32.00} XXXX XXXX  charge for {$210.00} balance was then $ XXXX charged overdraft fee {$32.00} on XXXX which i was happen to pay for
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc showing that I disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses show tooltip button Select as many as apply XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX PARK XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX   XXXX potentially negative icon Potentially Negative StatusClosed. {$610.00} written off. 
Account TypeCredit card Balance- Date XXXX Dispute XXXX XXXX   XXXX XXXX potentially negative icon Potentially Negative StatusPaid in settlement. {$1000.00} written off. 
Account TypeCredit card Balance- Date XXXX Details under dispute icon Currently Under Dispute show tooltip button XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$170.00} written off. {$170.00} past due as of XX/XX/2020. 
Account TypeSecured Loan Balance {$170.00} Date XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$610.00} written off. {$510.00} past due as of XX/XX/2020. 
Account TypeSecured Loan Balance {$510.00} Date XXXX Details under dispute icon Currently Under Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$210.00} written off. {$210.00} past due as of XX/XX/2020. 
Account TypeSecured Loan Balance {$210.00} Date XXXX Details under dispute icon Currently Under Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$2600.00} written off. 
Account TypeAuto Loan Balance- Date XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. 
Account XXXX XXXX XXXX {$7800.00} Date XXXX
Product: Credit reporting or other personal consumer reports

The Consumer Financial Protection Bureau ( CFPB ) has repeatedly documented Equifaxs failures in properly investigating consumer disputes, even leading to legal action for violating the Fair Credit Reporting Act ( FCRA ). This ongoing non-compliance is unacceptable, and I refuse to let my credit profile suffer due to Equifaxs negligence.

Federal law ( 15 U.S.C. 1681i ) is clearEquifax is legally required to conduct a proper reinvestigation of any disputed information within 30 days. Any data that can not be verified with 100 % accuracy must be removed from my report immediately. I demand that these errors be addressed without delay, as their presence is actively harming my financial standing. I will not ignore any further non-compliance. 

Also Known As : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX  XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote letters date, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and my most recent letter date XX/XX/XXXX to XXXX regarding an account being reported by CREDIT CONTROL CORP XXXX The letters were informing them that the debt in inaccurate, and falsely reporting and requested a letter of validation. I later realized that these medical bills were a result of a Virginia State workers comp case and should have been handled by the insurance company XXXX XXXX XXXX since I was hurt on the job. 

These letters were sent to both the credit reporting agencies and the collections agencies. XXXX & XXXX responded that the account was unable to be verified and deleted it from my credit report but XXXX failed respond to any of my complaints and continues to report this account as being 100 % accurate. 

As a result of this, my credit has been damaged and I've been discriminated against as having bad credit and denied credit because of this false information being reported on my credit report. to this day the information is still being reported inaccurate and false information is being reported
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. 

DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Incorrect information on my credit report. did not want to be completely modified.
Product: Credit reporting or other personal consumer reports

To my disbelief, I found incorrect accounts on my credit report tonight, and Im at a loss for why theyve appeared. I routinely check my report, but this time, I encountered discrepancies I wasnt expecting. I refreshed my browser several times thinking it was a mistake, but the errors persisted. Im asking for a careful review of my documents to ensure this issue is resolved once and for all, so I no longer have to stress over it.