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. Their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX # XXXX, # XXXX, # XXXX, # XXXX, # XXXX has violated my rights 15 U.S.C 1681 section 602A states I have a right to privacy 15U.S.C 1681 section 604A section 2 : it also states a consumer credit reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the item l below which still appear on my credit report, even after your XXXX. I would like this item immediately re-investigated. This inaccurate information is very detrimental to my credit rating. 
XXXX XXXX XX/XX/year> - XXXX following inquiry was not authorized and should not be reporting.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX Subject : Complaint Regarding Inaccurate Late Payments Reported by TransUnion Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by your bureau. These late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report for XXXX, XXXX, and XXXX XXXX  are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : The reporting practices violate the TILA, which mandates accurate reporting of credit information. 
The Fair Credit Reporting Act ( FCRA ), specifically sections 15 USC 1681i and 15 USC 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Account Information : Account Name : XXXX XXXX XXXX Account Number : XXXX Reported Late Payments : XXXX, XXXX, and XXXX XXXX High Balance : {$3100.00} Balance Owed : {$1300.00} Account Status : Open, Current Account Type : Credit Card Evidence XXXX XXXX XXXX XXXX XXXX : I have been enrolled in XXXX, ensuring all payments were made on time. 
Discrepancy in XXXX : TransUnion incorrectly reports XXXX, XXXX, and XXXX late payments for XXXX, XXXX, and XXXX XXXX respectively. 
Documentation Attached : I have included my credit report, government-issued ID, Social Security card , and proof of address to support my identity and request.

Requested Resolution : I request that TransUnion conduct a thorough investigation and remove the inaccurate late payments for XXXX, XXXX, and XXXX XXXX from my credit report. I expect written confirmation of the correction within 30 days of this complaint. Failure to resolve this matter may result in further action to protect my rights as a consumer under the FCRA. 
Attachments : Copy of my credit report Copy of my government-issued ID Copy of my Social Security card Proof of address Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to all 3 of the major credit Bureaus via certified mail on XX/XX/2021. I have the receipts still. It is my right to report any inaccurate information on my credit report and in the letter stated I want all my personal information updated so that I can prevent identity theft and prevent any mail being sent to old addresses. They are refusing to delete addresses and update my correct name because they are stating I have 3 accounts open with those addresses when that is not true. 

Experian received my letter on XX/XX/2021 at XXXX XXXX received my letter on XX/XX/2021 at XXXX XXXX  received my letter on XX/XX/2021 at XXXX XXXX
Product: Debt collection

Upon examining my recent credit report, I discovered several accounts that appear to have been added without my authorization and are inaccurate. I request their immediate removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX : XXXX : XXXX XXXX : XXXX XXXX : XXXX : XX/XX/XXXX : XXXX, XXXX and XXXX CAPITAL ONE CREDIT CARD : XXXX : XXXX These companies above reported late payments to my credit report. Review below " IN ACCORDIANCE WITH THE FAIR CREDIT REPORT ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 602 STATES I HAVE A RIGHT TO PRIVACY. 15 USC 1681 SECTION 604A SECTION 2. IT ALSO STATES A C0NSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER 15 USCS 1666B, A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD UNDER AN OPENEND CONSUMER CREDIT PLAN AS A LATE PAYMENT FOR ANY PURPOSE ''
Product: Credit card or prepaid card

Capital One Credit Card company closed my accounts while I was in XXXX over a mistake that was made by them. They said they didn't receive a {$100.00} dollar payment and it was reversed then repaid and the payment clearly shows up on XX/XX/XXXX on my account, shows they received the money but they for three months claimed they were working on it just for me to find out they lied and the accounts have been closed since XX/XX/XXXX. They have lied, taken money without authorization and also tanked my credit score while I was applying for a Small Business Administration Loan,  costing me likely {$10000.00} while I was on my way to XXXX to do my job as a XXXX  XXXX. They have given someone not on the account information that should not be given out to anyone but the account holder as well. This is obviously a violation of my privacy, this has been happened since around the XXXX of XXXX and is still currently going on. I have called repeatedly and have ben lied to every time.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX the servicer changed on my XXXX mortgage loan from XXXX XXXX XXXX  to Select Portfolio Servicing ( SPS ). In XX/XX/XXXX my credit score dropped 44 points. On XX/XX/XXXX I found out it was because SPS was reporting my mortgage loan as a NEW MODIFIED loan instead of that they are the new servicers of my existing loan from XX/XX/XXXX. The information SPS is reporting is completely false. When I contacted SPS via telephone, they told me that they are reporting it correctly and will not change it. 

When I reported it to XXXXXXXX XXXX stated that SPS said they are reporting correctly and XXXX will not change it. 

I did not obtain a NEW loan from SPS nor did I MODIFY my loan with SPS. I was forced to have SPS service my loans when they obtained these rights by becoming the new servicer for my loan. Reporting that I obtained a NEW MODIFED loan from SPS to the credit bureaus is completely false and against the law. 

My credit score is being detrimentally impacted since SPS is reporting this as a NEW loan instead of just a new servicer to my existing loan and they refuse to correct this information. 

The credit reporting agencies refuse to assist me since SPS is reporting to them that their information is correct. 

HELP!
Product: Debt collection

I am filing a formal complaint against American Express ( Amex ) concerning their mishandling of my financial hardship request. 

On XX/XX/XXXX, I contacted Amex to request a hardship payment plan due to my prolonged unemployment and ongoing financial struggles. However, the representative I spoke to did not offer any reasonable assistance and instead responded in a manner that has caused me significant distress. Specifically, the representative : Demanded a minimum payment of over {$1000.00}, which is unaffordable for me given my current financial situation. 
Instructed me to take out a loan, despite the fact that I have already attempted to secure a loan and was denied. 
Threatened me with legal action, stating that if I do not pay, they would sue me. 
This response has exacerbated my anxiety and emotional distress. I already suffer from XXXX, and Amex 's aggressive approach has left me feeling hopeless and helpless. Instead of providing a supportive solution, their actions only worsened my mental health, ignored my financial hardship, and pressured me into options that would only further damage my credit. 

I believe that Amex 's treatment of my case is predatory, unfair, and demonstrates a disregard for consumer rights and protections. I am requesting an urgent review of Amex 's practices and would appreciate your assistance in resolving this matter. 

Thank you for your time and attention to this serious issue. I look forward to your support in addressing this concern.
Product: Debt collection

I received a text from my landlord on XXXX 2017 that a creditor named XXXX has contacted him stating that I owed money to them. Stating how long I have been apparently on default with them and also stated an amount due to them immediately and asked my landlord to contact me and have me call them immediately. 
I was appalled that they have contacted my landlord and informed them of a debt that I apparently owed. This is a violation of my privacy and the FDCPA act. How did they even know who my landlord was and how did they even get his number? This is very disturbing to me. 
This is not only an embarrassment to me, but a pure act of defamation of my name intentionally informing my landlord of debts that felt my landlord needed to be aware of about me. I demand this company to cease and desist all calls to ANYONE other than the person that owes the debt. I will be filing a personal lawsuit against this company and will be demanding that they prove this debt even belongs to me. They must prove it belongs to me by providing me a signature IN WRITING and i sure hope they are not reporting false information to any of the CB 's. Very livid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Im reaching out in regards to a XXXX XXXX XXXX ( XXXX  XXXX  ) account on my credit report. Ive been disputing this account since XX/XX/2020. I mailed Experian asking for verifiable proof of the unverified account and I also reached out to XXXX XXXX too about the same thing. Every time I dispute this account Experian came back verified and I never received any documents from XXXX XXXX. I wrote Experian asking how was it verified when no one has provided me proof that account was mine and yet received no response. I sent a no response letter in XXXX and I still havent received a response. I had attached documentations to that letter and sent it certified mail but unfortunately majority of my letters are missing due to the fact that my residence was vandalized. I have found a dispute letter that I sent and other documents. Overall, Im trying to understand how can someone keep reporting information on my account and havent provided me verifiable proof that this account is mine upon request. I have that right to ask. Not only that, I have a collection company writing me about this account but XXXX XXXX  is reporting a balance on this account and did not mention on the credit report that this account has been sold to XXXX XXXX  XXXX. I know this has the be some kind of violation. They have denied my rights to ask for verifiable proof and still reporting inaccurate information. As you can you attached to this letter is them reply to all 3 credit bureaus but neither one of the information is the same. If they come the same same creditor, why are theyre reporting differently?
Product: Debt collection

Bank Account that belonged to my mother was garnished because my name was on the account. When my mother did an injury why her balance was so low on her account the bank told her about the garnishment. The bank gave my mom the information to call and find out what happened, That's when she was told that there was a judgment against me from a debt from 20 years ago. 
I was never informed of the debt nor the judgement. I did not receive any information regarding this debt or that I was being sued. 
Had I known that I needed to appear in court I would have gone. NO paperwork was ever sent to me regarding a court date. 
When I received the information I called Harris and Zide that is who filed the judgment. I was told that they don '' t have to notify me that they are suing me or of the court date. 
I asked about the account in question and all I was told that it was too old and they didn't have the information, I asked them how then can you sue me? I was told that they can
Product: Debt collection

On XX/XX/XXXX, XXXX, on behalf of Target Card Services and TD Bank, attempted to collect a debt from " XXXX XXXX XXXX '' by sending a letter to XXXX XXXX XXXX in XXXX New York. My name is XXXX XXXX XXXX and I do not, and have never, lived at that address. Nor have I ever had a credit card issued by TD Bank or Target Card Services. The home at that address is owned by an extended family member and because of this I was alerted to the communication. We promptly communicated to XXXX that : ( 1 ) the debt was not owed by me ; ( 2 ) I had never had a credit card issued by TD Bank or Target Card Services ; and ( 3 ) I had never lived at XXXX XXXX XXXX. XXXX indicated that they would note that the address was incorrect and that the debt was not owed by me. 

On XX/XX/XXXX, another letter was sent to XXXX XXXX XXXX related to this debt on behalf of Target Card Services and TD Bank. This letter was not sent on XXXX letterhead, but rather only identified Target Card Services and TD Bank. We called the number listed on the letter ( XXXX ) and again informed them that : ( 1 ) the debt was not owed by me ; ( 2 ) I have never had a credit card issued by TD Bank or Target Card Services ; and ( 3 ) I have never lived at XXXX XXXX XXXX. They again " made a note on the account '' but also asked that we return the letter as " Return to Sender -- Wrong Address. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally prolected consumer rights to privacy and confidentiality under 15 USC 1681. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section B04 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 : consumer report containing any of the following items of information Any other adverhome of information, other than recards of convictions of crimes which antedates the report by more than seven years XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX  has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, has 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 an automotive company attempted to run my credit report, as did another a few days prior, and had issues attempting to get it due to a fraud alert. Please have Experian, XXXX, and XXXX  remove fraud alerts, immediately. Thanks
Product: Money transfer, virtual currency, or money service

CASH App is engaged in fraudulent practices, CASH App, XXXX  and allegedly several other banks are money laundering stolen checks. Each time I open the XXXX  App, I get a code, although I have not enrolled in 2-step validation. Subsequently, when the code is sent, I receive a push notification from CASH App. The notification shows a transaction, however, it does not reveal the amount or to whom the transaction was done. 
The transactions are also not on any statements. I have been notified that several people are receiving money deposits in their CASH accounts and I have been informed that here in XXXX, Alabama people are receiving large sums of money.
Product: Debt collection

This is a debt/judgment that I owe and I am trying to pay ( that was not an option for me to choose on the previous page ).   On  X/X/17    I tried to pay a collection agency  XXXX   XXXX   XXXX  of what I owe from credit card from Barclays bank. I used their website to enter my checking account information. I received a receipt that I made the payment. A week passed and the collections agency did not take the money from my checking account. I called the  XXXX   XXXX   XXXX  to tell them that the money was still in my account and a representative told me that it was ok it took time for the funds to be removed. Another week passed and the funds are still in my checking account. I called again and another rep. told me they received word they could not find my account that is why they could not retrieve the funds. So I asked this Representative that I can pay the debt now and they told me no because my account is closed. The told me I had to cont act Barclays. I called Barclays to see if  could pay them and they told me no too because my account was closed.  XXXX   XXXX   XXXX  told me they would have to ask Barclays for permission to open the account so I can pay my debt. As of today,  X/XX/17    I still can not pay them and I feel like they are playing a game with me. I have never heard of a credit card or collections company that would not take a payment. I am trying to rectify this because I am in in the process of trying to purchase my first home and the judgment has to be off of my credit report.   Also, my credit report says money due is {$2300.00} but  XXXX    XXXX    XXXX  says I owe {$2600.00} that I have been trying to pay. Is that legal they are charging me more?   All I want is to rectify this, pay what I owe so it can be taking off of my credit report. Can you help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered a settlement with XXXX XXXX. However, the credit bureaus are not updating the account to report it correctly. They are reporting a charge off when it is not a charge off. It is a settlement.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX ( Credit Card Company ) XXXX XXXX XXXX XXXX XXXX  ( Credit Card Company ) XXXX XXXX XXXX XXXX XXXX  ( Loan Company )
Product: Credit reporting or other personal consumer reports

Thank you for removing some of the erroneous information from my file. However, there are still items that need to be addressed. According to FCRA Section 605, you must remove any items listed in an ID Theft Report. Here is the Identity Theft Report # XXXX. Per FCRA Section 605B ( a ) ( 1 ) ( 2 ), you are required to remove any inaccurate credit file entries within XXXX business days upon receiving : ( XXXX ) Appropriate proof of my identity ; and ( XXXX ) A copy of the identity theft report. The following items need to be removed : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$2400.00} TransUnion XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$2400.00} XXXX XX/XX/XXXX. Please note that you have XXXX business days to remove these erroneous entries. I do not consent to XXXX or any automated verification methods.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam : I checked my personal consumer report which I acquired from your organization and I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint FTC Report XXXX which is attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXXXXXX XXXX XXXXXXXX {$7900.00} XXXX XXXX XXXX Balance {$160.00} XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX {$26000.00} XXXX XXXX XXXX XXXX XXXX {$5300.00} XXXX XXXX XXXX XXXX XXXX {$19000.00} XXXX XXXX {$0.00} XXXX XXXX {$2700.00} XXXX XXXXXXXX XXXX XXXX {$2300.00} XXXX XX/XX/XXXX - Inquiry XXXX XXXX XXXX XXXXXX/XX/XXXX - Inquiry XXXX XXXX XXXX. XXXX, XXXX - INQUIRY XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX - INQUIRY XXXX XXXX. XXXX, XXXX - INQUIRY