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

( 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
Product: Debt collection

Midland Credit Management , Inc ( MCM ) is reporting a debt collection of {$890.00} under my name to XXXX credit reporting agencies ( XXXX, XXXX, XXXX ). I requested that MCM send me specific information pertaining to this debt because I have not had a XXXX credit card ( original creditor ). When I requested the validation of this debt, MCM replied with a sloppily photocopied credit card statement and subsequently submitted a " Disputed '' remark to the XXXX credit reporting agencies. This is troubling for several reasons : - I did not and have not had a XXXX credit card. The statement does not show any agreement I entered with this bank to open a credit account. I do not know how or why an account was opened and is being reported under my name. 

- I did not, at any time, request to submit a " Disputed '' remark to the credit reporting agencies. I was merely requesting more information about an alleged debt, but MCM took it upon themselves to report something I did not dispute. 

- MCM is not only attempting to collect a debt that is not mine, they are attempting to collect an amount of {$840.00} without explanation. The statement they sent me as " validation '' of this alleged debt shows a balance of {$590.00} with no further explanation as to how or why they are reporting a balance that is {$250.00} more than what they are suggesting I owe. 

MCM 's debt collection is not only inaccurate, but irresponsible. They have not, in my opinion, provided sufficient verification that this alleged debt belongs to me, yet they continue to report it monthly. In addition, they should not submit disputes that were never requested by me just because I am requesting more detailed information about an account. This feels like a bullying tactic to ( 1 ) make a person feel guilty about requesting more information, and ( 2 ) indirectly provide that person with the negative consequences of having a dispute remark on their credit reports, such as the potential ability to obtain future credit or loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I supplied a copy of the FTC report, it was determined that credit bureaus are not obstructing records. Because it is required by FCRA regulation 605b, I am delivering this Complaint to assist in laying out a legal response. If you choose not to impede the following items listed beneath that are responding incorrectly as a result of fraud. The following items must be removed from my file : XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX BankruptcyDate Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX Balance : {$680.00} ; XXXX XXXXXXXX Balance : {$1200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a late reporting fee from XXXX XXXX XXXX XXXX  which is not XXXX XXXX  of a property that I was a cosigner on. The property has since been moved off of my report as I am no longer on the mortgage I would respectfully like that late payment removed from my report.
Product: Student loan

I applied for XXXX in late XXXX as my first payment on Nelnet 's site was showing XX/XX/XXXX for a payment based on a XXXX plan I was not enrolled in. Approximately XXXX week prior to my payment date, I rechecked the site and saw that the correct amount based on the XXXX plan was set as my payment. I signed up for the autopay. I did not see any fee charged to my account on the payment date. Then on XX/XX/XXXX I received an email stating that my account was put into an administrative forebearance. My account is still accruing interest despite the fact that I was prepared to make payments on the XXXX plan and thus would have my interest wave. This oversight is leading to myself and many other borrowers unfairly being charged interest because the SERVICER is unable to process all applications.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of recent CFPD lawsuits highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claim adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBS findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety
Product: Credit card or prepaid card

I did not receive my bill for my Old Navy CC and called for my account number so I could make a payment on line. For some reason, this happens often. I know it's due around the XXXX of each month. I called the number listed by Barclay 's Bank to make a payment and received a recording. After several personal questions, the automated voice said they located my account and were transferring me to a member of their Team. The person on the Team asked me again for my complete SSN, date of birth, etc.and then said they couldn't locate my account and was I sure I was calling the right number. I asked who I was speaking to and he said XXXX XXXX XXXX. He said they had no record of any account with me. I called another number for Old Navy payments and went through the same process only I didn't answer any more questions because it was the same person I spoke with before. I am upset because I have no idea who I gave my confidential information to. I called Barclay 's Bank directly and explained these calls and was disconnected. She said she was refreshing my number and then the call ended. I would appreciate any assistance you may e tend as I do not intend to make any additional payments to Old Navy. I closed the card over a year ago and just paying off the balance at a high interest rate. Numbers called were XXXX, XXXX and XXXX. Thank you!
Product: Credit card

Merchant Says I Travelled to the XXXX on their Credit Card using their points system and I have never ever gone to XXXX in my entire life.
Product: Credit card

I took a {$4000.00} balance transfer from Citi Card. This cost me {$120.00} for 0 % interest for 15 months. I continues to make my regular charges to my Citi Card. I made my monthly payment, on time, paying off all my purchases and a little additional. I was charged interest because I did not pay off the full balance of my credit card statement which includes the {$4000.00} I borrowed at 0 % interest. They charges interest on my purchases even though I paid off my purchases in full and on time.
Product: Credit card or prepaid card

Home Shopping Network has my phone number associated with an account that is not mine. The account has gone delinquent and they are trying to collect payment. I have asked that they remove my number or to stop calling and to date they have not.
Product: Credit card

I was a victim of identity theft. Credit cards were opened in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to XXXX, Transunion & XXXX. 

I didnt hear back so I sent the dispute again on XX/XX/2020 Today is XX/XX/2020 and I still havent heard back from these companies.
Product: Credit reporting or other personal consumer reports

Unauthorized reporting listed in letter and discrepancies.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft, and my personal information was used without my consent, leading to items appearing on my credit report that I was never involved with. Following instructions from Equifax, I filed a report with the FTC and submitted it, yet these fraudulent items still remain on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, XXXX showed up on my credit report at a time when i wasn't even in the country. 


General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX  XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$1300.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$1300.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$1300.00} Highest Balance {$0.00} Terms 1 Months On Record UntilSep 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 XXXX XXXX  Account : Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX  XXXX Account : Account Number : XXXX Account Name : XXXX XXXX  XXXX Account : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account : Account Number : XXXX Account Name : XXXX XXXX Account : Account Number : XXXX Account Name : XXXX  XXXX XXXX Account : Account Number : XXXX Account Name : XXXX XXXX XXXX Account : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account : Account Number : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> XXXX XXXX XXXX XX/XX/year> 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

I requested in writing that my personal information on my credit reports be updated as it has erroneous names, phone numbers, addresses & employer. 

I also contacted the credit bureaus and the companies that I did NOT authorize to pull a hard credit report and requested that they remove them from my report. They told me that they would remove them and they have NOT. I would like an investigation as you will not find any authorization by me with my wet signature on it for these following companies to pull hard reports. If they are not able to provide that, I am requesting an investigation. My legal name is XXXX XXXX XXXX and I would like that to be reflected on my credit files please. 

The following are erroneous names that I would like removed from my credit files : These have never been my names. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX The following are erroneous addresses.and I would like them removed from my credit file These have never been my addresses. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized hard inquires : XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 never authorized the the above companies to pull hard credit inquires on my credit files . I would like these investigated and you will see that there is not any authorization by myself with a wet signature.
Product: Credit card or prepaid card

Hello, I am a definitely an XXXX value customer, and I spend most of my money on XXXX card and stop to use the credit cards from other banks, like XXXX, XXXX. Because I pretty enjoy XXXX excellent customer service, and they also try to help me solve problems as possible. Meanwhile, I also recommend XXXX cards to my friends and families, tell them how XXXX cards better than other banks. However, recently I have a problem sinceXX/XX/XXXX which I was trying to transfer some Membership Rewards ( MR ) to miles of XXXX airline partners, so it already been like 3-4 months, during this time, include some holidays like XXXX XXXX, XXXX, I tried to redeem some flights to vacation with my families, but I CANT!! XXXX web shows : '' This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' I also try to talk a lot with XXXX customer services representative, even some supervisors, they are nice and just let me wait, but it is not really helpful, some customer service told me that it will take like 6-8weeks, I say : OK, I will wait for that!! NOW, it almost like 4 months which is 16 weeks, the problem is still not solved, and I still try to negotiate with XXXX customer service department, they still just let me wait, and they said they do not know how long the process will take ... XXXX 
Really???? I am very very very sad, disappointed, which is the first time since I touched XXXX, I have a lot of credit cards with high annual fees, I paid these fees because of the XXXX great services and benefits, so it worths. BUT NOW, IT DOESNT WORTH ANYMORE!!!
Product: Money transfer, virtual currency, or money service

Phh please work with the CFPB moving forward to get your client XXXX XXXX XXXX out of my property now that appears XXXX XXXX finally confirmed in an letter case XXXX and connected my property XXXX XXXX XXXX to the loan XXXX dated XX/XX/year>. On the same date is a letter from XXXX case XXXX ADDRESSING ME AS OWNER. 

I am not sure how this works since I've never done business with phh mortgage but suggesting you work with chase and the CFPB and quickly get this resolved.
Product: Payday loan, title loan, or personal loan

I am in the XXXX and there is a set APR we can not go over. I am being charged XXXX in APR fees.
Product: Debt collection

MY NAME IS XXXX XXXX XXXX XXXX XX/XX/XXXX todays date XX/XX/XXXX SS # : XXXX XXXX XXXX I PREVIOUSLY DISPUTED THIS ACCOUNT NAME : EMVLP II , LLC ACCOUNT # XXXX THE DATE OPEN, DATE CLOSED, LAST PAYMENT DATE, PAYMENT HSITORY BALANCE, MONTHLY BALANCE, ACCOUNT ARE REPORTING INACCURATE AND DIFFERENT AND EVERY CREDIT BUREAU! AND ALSO THE ACCOUNT NUMBER IS INCOMPLETE l. ALSO PROOF OF PROCEDURE OF INVESTIGATION AND MY WRITTEN CONSENT TO FURNISH MY CREDIT REPORT WAS NEVER GIVEN BY ME. I ask for to remove this fraud account from my credit thank you 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681c2 - Block of information resulting from identity theft 42 U.S. Code 405 - Evidence, procedure, and certification for payments 1692e, entitled False or Misleading Representations, states that a debt collector may not use any false, deceptive, or misleading representation 807. - A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. 


COMPANY INFORMATION : XXXX XXXX XXXX, IL XXXX Phone number ( XXXX ) XXXX I ASK FOR THIS ACCOUNT TO BE DELETED AND REMOVED FROM MY CREDIT REPORT FAIR CARES ACT LAW 15 USC 1681 E ( B ) & 15 USC 1681 1 ( 5 ) 15 U.S. Code 1681c Company responded on cfbp STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response We have already responded to XXXX previous CFPB complaints : XXXX & XXXX and no new relevant information has been provided in this most recent complaint. THIS ACCOUNT HAS BEEN SOLD TO XXXXXXXX XXXX XXXX ( XXXX  XXXX XXXX XXXX XXXX PH : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX THIS ACCOUNT MUST BE DELETE ASAP
Product: Credit reporting

I have sent Experian numerous requests to investigate accounts in my credit report that are reporting incorrectly and they are not responding.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX These accounts listed have violated my rights. 
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

FTC REPORT # XXXX and # XXXX were filed and submitted to equifax describing all the unauthorized and inaccurate inquires on my credit report. the FTC report was sent certified mail and received by Equifax on XX/XX/year>. ON many attempts to send mail i was told it was not received, my information came back accurate. And they could not verify my identity The FTC report described all inquires to be removed because none of the data furnishers could verify\ this debt neither could the Consumer Reporting Agency Equifax . It has been over 30 days and these inquires are still reporting. Which is a violation of FCRA and a violation of consumer protection laws. AS OF XX/XX/XXXX THE CFPB HAS RULED THAT XXXX HAS FAILED TO THROUGHLY INVESTIGATION CONSUMER DISPUTES, PUTTING PREVIOUSLY DELETED ERRORS BACK ON CREDIT REPORTS AND FAILURE TO BLOCK IDENTITY THEFT RELATED INFORMATION. EQUIFAX HAS NOT PREFORMED SATISFACTORILY PRACTICES TO ENSURE PROPER INVESTIGATION OF MY CLAIMS. THESE INQUIRES VIA THE FTC RERPORT XXXX XXXX  ABOVE. ALL INQUIRES THAT ARE ON ALL FTC REPORTS FILED BY ME MUST BE REMOVED
Product: Credit card or prepaid card

I live and work in the XXXX XXXX area. 

On XX/XX/XXXX, I was notified by Citi ( my credit card issuer ) s fraud department that someone used my card to purchase a laptop for {$680.00} at the Best Buy in XXXX, XXXX ( address : XXXX XXXX XXXX XXXX ). The credit card question ends in XXXX. Here 's the timeline : At XXXX XXXX ET, I received an email from Best Buy confirming the fraudulent order. 

At XXXX XXXX ET, I received a text message alert from Citi asking me if I made a purchase of {$680.00} at Best Buy. 

At XXXX XXXX ET, I replied to Citi that I did not authorize the charge ( screenshot attached ). 

At XXXX XXXX  ET, I received an email from Best Buy confirming that the product has been picked up. 

Since the perpetrator does not have my ID, she put in her name in addition to mine as the person who would pick up the order in store. I have attached copies of the two emails that contain the perpetrator 's name, XXXX XXXX. 

I received a document from Citi ( file number : XXXX ; attached ). Page 4 of the Citi document states that the purchase was conducted by IP address XXXX. This is a XXXX XXXX, XXXX   address. 

I have also attached evidence showing that I was physically in XXXX XXXX XXXX on XX/XX/XXXX. 

The evidence is abundant that I did not authorize this purchase. I was physically in XXXX  on XX/XX/XXXX, not in XXXX XXXX. I do not know anyone in XXXX XXXX, nor have I ever been there. 

However, on XX/XX/XXXX I received a letter from Citi stating that I am responsible for the FRAUDULENT purchase and billed me for {$680.00}. The letter is attached. 

This is an outrageous conclusion. I am requesting that the {$680.00} charge on my credit be reversed.
Product: Payday loan, title loan, or personal loan

this loan from XXXX reported as XXXX on my credit reports is not belong to me i never apply for this loan i need it to be remove from my credit reports