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

I am filing this complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices which violates the Customer 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 cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

This is a response per my last complaint filed via CFPB. When I was disputing this charge, all of my information provided was not sent to you to update your records. Second, this account seems to be involved in some type of " court '' appearance via XXXX County Clerk of Courts and it is being handled by " XXXX XXXX XXXX XXXX XXXX '' doing business as XXXX XXXX and retained by XXXX, XXXX. 

I am disputing this account through XXXX because the last payment on this account was given on XX/XX/XXXX in the amount of {$500.00}. Therefore, on XX/XX/XXXX, it will reach the 5 years per statute of limitations. I never came into agreement of validating this debt nor of any agreement on a payment arrangement. If this account is being handled directly via XXXX XXXX XXXX XXXX, then why are you reporting it on my report under XXXX? That is considered DUPLICATE debt. Hunter Warfield is NOT listed on the statement of claim which was filed. On XX/XX/XXXX, I never entered into any agreement and I am requesting proof of this allegation ( signature ). 

I suggest you contact whoever you are partnered with and find the means to get this resolved because I find it unprofessional that this account is being duplicated and being attempted to being served in addresses that I do not live in.
Product: Credit reporting, credit repair services, 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 a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for 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 XXXX : {$2900.00} XXXX XXXX XXXX : {$1000.00} XXXX XXXX, XXXX. XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX.
Product: Credit reporting or other personal consumer reports

ive been trying to retrieve my credit report from experian and also using XXXX  which i pay monthly for now im getting a message after removing stuff off my account that wasnt me its saying " Sorry, we can't show you today 's report. This might mean that your lenders have different personal info for you than we do. Until this issue is resolved, you won't be able to see your report. '' last update was the XXXX on the XXXX website it itshowing up blank as no report at all nothing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX Last XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify delinquent accounts. Accounts which in fact shows I have late payments. No agency can report me until my account is 30 days past due, not 25 days nor 14 days. I have never missed 30 days payment past my due date on my XXXX XXXX XXXX account XXXX listed below. I may have paid late with late fees but never over 30 days to report to credit bureaus. Transunion states I was late on XX/XX/2021. XXXX states this is a mistake. The system reported 30 days late once a {$30.00} late fee was charged. XXXX told me to make a dispute with the credit bureaus to get it corrected. I have included a copy of my XX/XX/2021 XXXX XXXX XXXX. XXXX has already updated and reporting accurately. My auto payment of {$410.00} is due on the XXXX of every month. XX/XX/2021 I made a partial payment of {$350.00}. Then on XX/XX/2021 I paid the remaining balance of {$68.00} late and received a {$30.00} late payment fee. So the complete auto payment was paid in full by XX/XX/2021. So I was 15 days late not XXXX. This account has hurt my ability to obtain credit. Please remove the 30 days late payment from the account listed below XXXX. XXXX XXXX - XXXX.
Product: Debt collection

We are a small business who was contracted with A & S Collections. They collected our debts for us but they never paid us on the percentage owed to us. I have invoices of check statements they claimed were processed. We never received these checks.
Product: Credit card

My Chase Card says that it has a balance transfer option. But I 've never been able to transfer a balance and in the XXXX to four years I 've had this card I have not been offered a balance transfer deal. I 'm not getting the full service of this card without the option to transfer a balance. I want to be able to do this, Chase needs to fix this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went online to check my credit report in XX/XX/2019 and realized that XXXX XXXX is reporting an account negatively on all three of my credit reports, AND XXXX XXXX XXXX is reporting the same negative account. I am aware that no account should be reported twice ( duplicate reporting ). 

I disputed this issue on XX/XX/2019 by letter to all three credit agencies. When my online report updated XX/XX/2019 it showing both these accounts are STILL reporting across all three reporting companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute letter XX/XX/2021 and XXXX  nor Experian has responded within 30 days. I'm asking the accounts listed on the dispute letters be removed asap per the FCRA they are to respond in a timely fashion and if they don't they have to remove all items by law. These companies have failed to uphold the law!
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the following accounts as soon as possible : XXXX XXXX  XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$8900.00} XXXX XXXX  XXXX Balance Owed : {$13000.00} XXXX  XXXX Balance Owed : $ XXXX remove the disputed accounts as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. Failure to provide copies of proof of verification or ownership, please remove the accounts immediately. 
ity these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. Please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga, XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, Tx XXXX Dispute of Inaccurate Information and Civil Liability for Negligence and Noncompliance Account Number ( XXXX ) : [ Insert Account Number ( XXXX ) ] Dear Sir/Madam, I am writing to formally dispute the inaccurate information listed on my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681o regarding civil liability for negligence and noncompliance. Specifically, the issues of collections, late payments, and eviction related to the following accounts are incorrect, incomplete, and misleading. 
XXXX. Collections and Late Payments : I dispute the accuracy of the late payment information reported by [ Creditor/Collection Agency Name ]. According to my records, I was not in arrears at the time of the reported late payments. I request that you investigate these claims to confirm whether they were correctly reported. If you are unable to verify these claims, I request the removal of any late payment or collections reports related to this matter.

XXXX. Eviction Record : There is an eviction listed on my credit report that was either incorrect or not properly recorded. I dispute this information as I was not evicted, and no legal action or eviction proceeding took place. Please provide validation of the eviction notice and proceedings, including dates, court records, and any associated documentation. 

Under the FCRA, credit reporting agencies are required to ensure the accuracy and completeness of the information on consumer credit reports. The reporting of false or misleading information regarding late payments, collections, or eviction can result in damages for negligence as outlined under Section 1681o of the FCRA.

I request that you investigate the disputed items within the statutory XXXX period, as outlined by the FCRA, and provide a response that includes a written explanation of your findings and any changes made to my credit report. 

If the disputed items can not be verified or substantiated, I demand that they be removed immediately, in accordance with Section 1681i of the FCRA, to prevent further civil liability for negligence in failing to comply with proper reporting procedures. 

Please provide me with a copy of my updated credit report upon completion of your investigation. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Bank account or service

I signed up for a Citibank Interest Checking account because they were offering a {$400.00} cash bonus. The terms of the bonus were as follows : must deposit {$15000.00} within 30 days of account opening and must maintain that balance for 30 days. The bonus would be paid within 90 days of meeting those terms. 
I transferred in {$15000.00} on XX/XX/XXXX Met 30 days criterion on XX/XX/XXXX ( balance never dropped below {$15000.00} ) Met +90 days criterion on XX/XX/XXXX I 've tried calling Citibank several times since then to get them to post the bonus to my account and have been met only with promises to investigate the issue further. The representatives I 've spoken with have confirmed my eligibility for the bonus and seem as perplexed as I am as to why I have not yet received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name is XXXX XXXX and I am complaining about the 1stprogress/XXXX XXXX/ account under the # XXXX that is reporting on my credit report. I have filed a FTC complaint under the # XXXX as well as providing additional information about this account that it is not mine as I never opened this account and this is not my information. There has been no evidence provided to me that proves this account as mine or no response in over 30 days from either the creditor or credit bureau.
Product: Debt collection

Hello, I recently had a collection show up on my credit report in the amount of {$18000.00}, being collected by National Credit Systems on behalf of the original creditor, XXXX XXXX XXXX XXXX in XXXX, XXXX. 

I have lived in XXXX XXXX for XXXX years and XXXX before that, and have never lived in XXXX - someone had leased an apartment using my information and identity. 

This person also purchase a car in my name in 2023 which I got another collection for and have now gotten removed from my credit report. 

I have tried to contact XXXX XXXX XXXX XXXX but have not got ta an answer when calling. 

I did open a dispute with XXXX for this collection.
Product: Debt collection

CALIBER HOME LOANS XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX USA Account was paid off and sold to another lender it ; s still reporting negative on my account it was disputed with the lender to remove and why it was paid late due to hurricane season and My sister passing of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

DEPT OF EDXXXX DEPT OF EDXXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS DO NOT BELONG TO ME! 
I WILL LIKE FOR THEM TO BE REMOVED THANK YOU.
Product: Credit reporting or other personal consumer reports

I am currently reviewing my Trans Union Credit Report and there is an address reporting on my credit report that is not mine. 
Below is the address that I would like to have permanently deleted : XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the Experian app to be able to check my credit scores, lock access to credit inquiries, and get alerts for anything potentially harmful to my credit/identity. On XX/XX/XXXX, I received an alert that there was an attempted installment loan inquiry form XXXX  that was blocked. On XX/XX/XXXX, I got an alert that my credit report was retrieved through XXXX  and on XX/XX/XXXX I got an alert that a new XXXX  account was reported on my Experian account. I submitted a dispute on XX/XX/XXXX and Experian identified that this information was correct and no action was taken. I disputed the results again stating that this was not my account and I have not requested to open an account with XXXX. Experian gave me the same results and no action was taken.

I have also submitted a dispute with XXXX  but have not received those results yet. 

On XX/XX/XXXX I called XXXX  card services to report fraud and they told me they would shut the card down. 

I am disappointed in Experians response since they should have seen in their records that the inquiry was blocked and its clear that if I did indeed want to open an account, I would have unlocked my credit file which I have done before. I am also upset that either a consumer or a XXXX  employee was able to open an account under my MAIDEN name. My debit card has my maiden name on it and I used it to purchase a dress at a XXXX  in New Jersey while I was there on vacation the last week of XXXX.
Product: Credit reporting or other personal consumer reports

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 


XXXX XXXX XXXX {$9600.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX {$0.00} Date Opened XX/XX/XXXX XXXX XXXX  Date Opened XX/XX/XXXX {$0.00} XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Balance XXXX XX/XX/XXXX inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  DEALER XX/XX/XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX
Product: Credit card or prepaid card

I accepted American Express 's sign up offer for its Delta Gold American Express credit card. The advertisement promised a sign up bonus that would be paid once {$2000.00} was spent on the card within three months. I signed up for the card in XX/XX/2019 and met the requirement within a 30 days. I never received the promised amount of Delta Sky Miles. I have since called several times and American Express has not resolved this issue. To date I have called or messaged to resolve this issue five times.
Product: Debt collection

XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX contact Actions revenue recovery On the date of XX/XX/XXXX I seen this post on my credit years later I called credit company and they state they dont know where is came from but that its. XXXX reading I request to send me a copy of the bill and they stated they couldnt help me because they didnt know exactly where this bill was coming from if it was a XXXX XXXX or XXXX or XXXX wasnt very help full all they cared about was my money because they couldnt give me a explanation of why this was posting many years later
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph XXXX, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of two accounts from my credit profile with XXXX, which are causing a detrimental impact on my credit history. The accounts in question are listed with the last four digits XXXX and XXXX, and they belong to XXXX XXXX I believe that these accounts should be removed from my credit report as they have been discharged, and the IRS 1099 has been provided to confirm their status.

According to the information provided by the creditor, the debts associated with these accounts have been legally discharged. This discharge signifies the conclusion of my obligation to pay these debts. In line with this development, I kindly request that you remove these accounts from my credit profile and update my credit report to reflect their discharged status. This will accurately represent my financial situation and provide a more comprehensive view of my creditworthiness. 

I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I believe that your organization may have violated these rights, specifically under 15 USC 1681 Section 604 ( a ) Section 2 and 15 USC 166b. Let me explain why I believe these violations have occurred : 15 USC 1681 Section 604 ( a ) Section 2 : This section of the FCRA outlines the permissible purposes for obtaining a consumer report. It restricts access to an individual 's credit report to those with a legitimate and lawful reason. Any unauthorized access or use of my credit report may be considered a violation of this provision. I have reason to believe that these accounts may have been accessed without a valid and lawful reason, as the debts associated with them have already been discharged and are no longer active.

15 USC 166b : This is a significant part of the FCRA, which sets out requirements for obtaining and using consumer reports for employment purposes. While this section may not be directly related to the issue at hand, I believe it is crucial to mention it to highlight the importance of accurate and lawful repor
ting, especially regarding discharged debts.

I kindly request that you investigate these matters and take prompt action to correct my credit profile. Removing these discharged accounts and updating my credit report will help me maintain an accurate credit history, which is essential for various financial transactions, including obtaining loans and credit. 

I look forward to a timely resolution of this matter and request written confirmation once the necessary changes have been made to my credit profile. Thank you for your attention to this issue.
Product: Credit reporting

I have had my identity stolen. The Experian dispute processing is not consumer friendly. You can not dispute online, ( as soon as you select " identity theft '' as the cause for your dispute, the system prevents you from submitting and demands you call their XXXX number ). Once you call the listed XXXX number, there are NO options to talk to someone or report identity theft. It directs you BACK to the website. 

I had to submit the dispute as a 'regular ' dispute and indicate identity theft in the comments and provided supporting documents. The dispute result took only XXXX hours, and they declined to acknowledge the dispute as valid, and the fraudulent activity remains on my credit report. 

I have had the SAME issue with XXXX, but the results took longer than XXXX hours. XXXX is the ONLY bureau to actually assist me, and the only bureau to have human customer service agents on their XXXX numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

freecreditscore.com has been taking money from my bank account every month since requesting cancelation over the phone in XX/XX/. This company has been unreachable ever since. No online communication and the phone line is always busy. 
XXXX.
Product: Credit card or prepaid card

Chime bank has a new XXXX XXXX card heavily advertised to help build your credit if used. Myself and many others have been scammed into getting this card under the impression it would help build our credit, only to have our credit drop anywhere from XXXX. Many users have spoken to representatives who have told us the card absolutely will not lower credit limits, only raise them. Today I personally saw a card user be told this by a representative as he went to cancel his XXXX  XXXX  card. I believe this is a scam / very misleading at the least. People are being told lies that this card is unable to badly affect credit and to use it like a debit card. This is negligent and is ruining credit scores and lives.
Product: Credit card

Simple question : I got my free credit report at XXXX and it showed a credit card with a XXXX balance from 2013 at US Bank. I thought I closed it long ago if it 's the XXXX I remember ( XXXX card? ) and I 've kept no info on it now and contacted US Bank to close the card. They do n't have a record. I 'm concerned that old card being open for so long could be impacting my credit score. What can I do? thanks.
Product: Mortgage

Forced Escrow was placed on my account, on XX/XX/XXXX due to delinquent property taxes not affiliated with my Property Parcel ID. I am requested to terminate all Escrow accounts since my yearly taxes of only XXXX, are paid out of pocket and on time for my XXXX XXXX property and the only property associated with the loan. Advanced funds were distributed to County Tax Office without authorization and taxes for other property owners were disbursed to pay all XXXX properties, which of XXXX are not listed on loan since the properties were divided in XX/XX/XXXX. I have repeatedly faxed all county documentation Ditech requested, emailed, called and spoken to different depts., notices mail to be stating the issue is being investigated within 30 days and nothing done, now my escrow account is over {$6000.00}, causing my monthly mortgage payment to be outrages and I demanded they correct this asap nothing to pay for XXXX other properties that do not belong to me.