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 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 for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE ( FCRA ) DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! Midland Credit Management Inc violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 )
Product: Credit card or prepaid card

I had a charge of {$11.00} on my XXXX statement due XX/XX/23 for a purchase made in XXXX I got busy and forgot to pay it on time. I called today to make the payment. At first the phone / computer said I owed {$11.00}. I went online to pay it. There, the balance was stated as {$24.00} : - my purchase {$1100.00} - interest : {$2.00} - late fee : {$1100.00}!!!!!!! 
How can a company justify DOUBLING a charge in one month? 

I contacted Lowes and they credited the additional {$1100.00} so in a sense it has been resolved. However my complaint is still valid because double an amount due for being 24 days late on a payment is USURY! 

When I spoke to an agent of Synchrony Bank ( who handles the credit card for Lowes ), she said this was the normal practice and " understood '' my upset but wasn't going to do anything about it. Of course the agent doesn't make policy. It is the executives of the bank who are at fault.
Product: Credit card or prepaid card

On XX/XX/2022 I received a letter from XXXX welcoming me to their XXXX XXXX XXXX XXXX credit card. BUT, I never applied for this credit card. 

The letter did not include a card, but it it told me to call and activate the card. I called their customer service telephone number on XX/XX/2022 and informed them that I did not apply for the XXXX credit card and that I wanted to report fraud. I spoke with XXXX and she informed me that she would designate the credit card account as fraud.
Product: Credit reporting or other personal consumer reports

My XXXX  credit report has been viewed without my consent. I do not recognize this company : PHOENIX FINANCIAL SERVIC Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX, XXXX IN XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

My account with those accounts was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

i have tons of HARD inquiries from Capital One and car companies. I havent applied for either EVER
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I notified XXXX that there were inaccurate and/or erroneous items listed on my credit report. I received a computer generated response on XX/XX/2018 headed " Important Information ''. Moreover, the responds letter never answered my complaint or inquiry. 

I sent a second request on XX/XX/2018 restating my complaint or inquiry of the inaccurate and/or erroneous items. On XX/XX/2018 I received a response heading again " Important Information ''. In addition, to being nonresponsive to my complaint of inaccurate and/or erroneous items listed on my credit report. XXXX mailed me a " dispute results '' letter stating all companies have responded and they have verified the accuracy plus they have updated their files. 

In retaliation for filing the complaint I've received numerous collection letters from collection agencies, stating they own the debt and are demanding the inaccurate or erroneous debt that I never had with them or whom they bought the debt from. I believe these retaliatory actions to be criminal and a direct threat to the laws as they are written for consumers called the Fair Credit Reporting Act. 

XXXX has not done their due diligence with regards to my credit profile and it has cost me employment harm, financial harm and emotional stress.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had XXXX late payment on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for this account. I have included a screenshot inside this complaint in on dates of XX/XX/year>. Please investigate and provide proof with statements showing that this payment were late. If no proof can't be provided I demand this payment to be updated to paid as agreed on time as they should be due to the fact that I was never late. Thanks! Please see screenshot attached
Product: Checking or savings account

I made a purchas e with Macy's.com in  middle  XXXX . They not only put an initial authorization hold on my chceckong account ( debit card ) for {$370.00} but they did that a second time and then charged my account when each portion of the order shipped out. I filed a complaint with the Ohio attorney general and the Executives offices called me and offered to refund 50 % of my order after having a sim of {$1000.00} on hold that I had not authorized in my account for approximately 14 days. I was advised that they would be sending me out a gift card for the initial purchase, as I returned most of the stuff on the order. I called today and found that there is still a {$370.00} authorization hold on my debit card and they are refusing to send out the card because the rep did not notate the account properly when they promised me the card. This same situation happened to me in  XXXX . I no longer have documentation however the Ohio attorney general does.     I want them sanctioned, and I want what was promised to me as well as the hold removed from my debit card. This has been going on  for 9 weeks and they still have not fixed the problem but heir Compliance person the responded to the complaint lied to the  Attorney General.
Product: Credit reporting

Equifax has XXXX hard inquiries on my credit report, when XXXX has XXXX and XXXX has XXXX. Some of the XXXX inquiries are from companies I never approved of and others are from companies I 've never even heard of. When I reported the inaccuracies, it took them less than a day to tell me that I can contact the creditor because they report anything they 're told. I 'm not sure how they expect me to contact companies I 've never heard of, hand them my personal information and hope they admit their mistakes and fix it. I am a victim of identity theft affected by the XXXX, XXXX and XXXX cyber attacks. At best someone stole my identity, but I do not believe this is the case, I believe equifax is trolling for false negative information as they have in the past and it was proven in court. The fraudulent inquiries are : XXXX inquires from XXXX XXXX XXXX ; this is my bank for my checking account but I never authorized any credit inquiries. XXXX inquiries from XXXX ; I 've never heard of them let alone authorize a check. XXXX inquiries from XXXX bank ; never authorized. XXXX XXXX inquiry ; never authorized. XXXX XXXX inquiry ; never authorized. This totals up to XXXX false inquiries and only XXXX correct ones. These fraudulent activities need to be taken off my report and I should not have to contact individual companies myself. It is equifax 's responsibility to verify the accuracy of the information they report before allowing it to damage my credit and reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX, Experian & XXXX  : Thank you for sending me your internal records of the debt ( XXXX XXXX XXXX XXXX Account # XXXX, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or provide a valid E-Signature stating my IP Address " Session '' " Time Stamp '' and " Browser '' with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ), circled the items and pointed out with arrows multiple inaccuracies reporting from ALL THREE BUREAUS including reporting payments on a CLOSED ACCOUNT & RE-AGING THE ACCOUNT ( please see attachment ) which is in violation of the FDCPA. You stated in writing that you verified that these items are being reported correctly so how could this happen? Are you being prejudice against me? I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. I HAVE PROVIDED MY UTILITY BILL FOR ADDRESS VERIFICATION AND ID AND SOCIAL SECURITY # Best Regard, XXXX XXXX
Product: Checking or savings account

XX/XX/XXXX - Key Bank was deducted funds from our checking account and the description said XXXX XXXX XXXX ; however, the funds were not applied to our commercial loan but to another customer 's loan. Once identified, these deducting and applications to another loan has been occurring since XXXX, XXXX in the amount of {$4500.00}. Key Bank said they were working on contacting the other customer prior to refunding our money. We received {$4500.00} on XX/XX/XXXX. Our calculations indicated the amount missing is {$5800.00} ; which they state they are reviewing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a copy of my report and the report disclosed several dismissed bankruptcy cases that are not mine. I filed a dispute with Equifax and the cases were returned as verified. I contacted Equifax today and were told that the information was verified with the bankruptcy court directly. I contacted the court directly and they confirmed that they DO NOT verify case filing information for credit reporting agencies. Equifax has failed to verify the information directly with the furnisher of the information as is required by the regulation.
Product: Credit reporting or other personal consumer reports

Tried to open checking account with Bank of America? And I was directed to get a report from this company and they would not provide it. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiries or view my credit report. In addition, I did not permit Experian, XXXX, or XXXX permission to furnish this incorrect information on my credit report. This violation of the Fair Credit Reporting Act Section 1681b ( c ) constitutes fraudulent activity and a serious breach of my privacy rights. Please remove the inquiries from my report : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Under Regulation E ( 12 CFR 205.6 ), I did not authorize a transfer of XXXX payments of {$300.00} not involving loss or theft of an access device. A total of {$900.00} was taken from my Wells Fargo account through XXXX on XX/XX/2023. This was an unauthorized transaction and my account was hacked.
Product: Money transfer, virtual currency, or money service

A scamer stole an actual businesses ( XXXX XXXX XXXX ) info, all social media platforms allowed this activity to continue. I researched the company, felt it was legitimate with an actual storefront. I followed directions to make an online purchase of {$1000.00} on XXXX payment was made, paid via paypal. Business issued a refund and asked me to pay via friends and family ( so i would have to pay transaction fee and they receive funds immediately ) which i did. At that point I did not know that paying via friends and family isn't covered under Paypal 's protection. I'm personally shocked that Paypal has no notification that a duplicate transaction took place without a warning to me to verify that activity. They also allowed the friends and family payment to go to a business which according to them isn't allow, and would be protected under their privacy policy. I have contact my bank, Paypal and XXXX  police, no one is able to stop or recovery my funds. Paypal is profiting from fraudulant activities and doesn't seem to have any accountability.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despiteseveral written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you donot validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  XXXX Account Number : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; ; XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX.
Product: Bank account or service

I have been charged numerous overdraft fees because, according to Chase Bank, I did not uncheck the overdraft protection box. I now owe {$350.00} in fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Saw that there was an account I did n't recognize when I reviewed my credit report. XXXX? I sent them a request for validation to prove it was mine because I do n't recognize them. They never answered. I sent it registered - I have proof they received my letter. However they never sent me a reply - after 30 days I sent the original letter as well as my proof of delivery over to XXXX, XXXX, and transuion. They should delete this as this is not my debt. They say they have investigated and that it is mine. But how is that XXXX has listed a debt, they wont send me any information, how in the world can the agencies validate it? This debt is not mine, and if they can not provide me documentation proving this debt is mine, it needs to be deleted immediately by XXXX, XXXX, and transuion. I am very frustrated and the inability to resolve this. Perhaps I should hire a lawyer. I will attach documents
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I appreciate your taking the time to delete some of the information in my credit file ; however, there are still other accounts that need to be corrected or deleted. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXBalance : {$560.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$180.00} XXXX XXXXBalance : {$1400.00} XXXX XXXXBalance : {$1200.00} XXXX XXXXBalance : {$2500.00}
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1. Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2. Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law.

3. Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights.

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX XXXX XXXX ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXX XXXX XXXX XXXX  ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages.

Demand for Immediate Action I demand the following actions, without delay : 1. Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2. Provide a comprehensive written explanation detailing your investigation process and results.

3. Permanently remove or block all inaccurate information associated with my identity theft.

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys
fees, as permitted under 15 U.S.C. 1681n and 1681o.

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX