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

I am filing a compliant against cashapp. ( Block, Inc. ) due to inadequate customer service and unfair practices which violate the consumer financial protection act ( CFPA ). Specifically, cashapp 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 was unfair and deceptive l, as they did not comply with error resolution requirements under the Ellectronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused an significant inconvenience and financial loss l, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XX/XX/XXXXXX/XX/year>
Product: Checking or savings account

PLEASE DO NOT CLOSE THIS COMPLAINT AGAIN! IT IS REAL! You sent a letter rather than emailing or calling and I got it Saturday and you are closed. I have not had online access to my money for over 2 weeks now, and canceling the complaint does not solve the problem. Previous Complaint # XXXX. THIS IS A VERY REAL COMPLAINT! I don't know how you decided this was not me, but it is and this further delay is not helpful. 

I have been unable to transfer funds from my savings account since XX/XX/2022. Since then I have talked with 4 tech support people and 2 customer service representatives. Each time I tell them the issue and they have me try while they are on the phone and ostensibly watching my online activity. They have not fixed the problem. I have sent them screen captures of the error in 2 emails. They have not responded to that communication. They offer no solution that helps but seem anxious to pass me on to someone else or get me off the phone. Customer support says that I may access my deposit by 1 ) ( getting on an airplane and flying to another state ) by visiting a branch, 2 ) using the online system which does not work, or by 3 ) making many trips to their ATM and then driving to my local bank and depositing into my checking account. The ATM is obviously not workable for a {$5000.00} or more transfer. After eleven days of experiencing this error, Citibank customer service and tech support still have been of no assistance. The problem still exists. Citi personnel have only done nothing but given me the run around.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I submitted a complaint regarding this company within the past 6 months with your company, case file no.  XXXX , this company stated via written response that they would remove the debt from my credit report with no further action or communication from them, that has not happened and now they are reporting this debt once again in addition to the previous amount they claim I owed. The original debt was with   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  -  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  (  XXXX  )  XXXX  for {$670.00} that should have been removed, I have not opened any accounts or have any loans with this company, if it is a payday loan, it was included in my Chapter  XXXX  bankruptcy back in   XXXX   and that has be en discharged, all a ccounts I have recently opened are all in good standing, I am trying to rebuild my credit and have been doing an excellent job thus far. This company has now changed the name and issued yet another collection on my credit report under  Plaza Services  XXXX   XXXX   XXXX  -  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , GA  XXXX  (  XXXX  )  XXXX  for the same amount of {$670.00}, this is not a coincidence, it is fraudulent and incorrect reporting. I would like this company investigated and I would like both of these debt collections removed from the credit reporting bureaus. Please assist me and help to rectify this situation, it 's very  XXXX  having to deal with false transactions and fraudulent reporting on my credit. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is here to follow up on these accounts to be removed or blocked as soon as feasible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} You must remove/block any accounts that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax to have my inquiries removed immediately because i am a victim of their inquiry issue and i also never authorized these inquiries. I called several times and they refused to remove these 7 inquiries off my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name XXXX XXXX XXXX  XXXX, has violated my rights.15 U.S.C 1681 Section 602 A. states the right I have to privacy.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.15 U.S.C. 1681 C ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer reporting containing any of the following items of information and other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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: Student loan

I requested an Income Base d Repayment Plan to begin paying back this loan. I submitted the Income Based Repayment Plan application back to Nelnet along with my 2016 Tax return to confirm my annual salary which is only about {$ XXXX  }  a year. Nelnet keeps sending me  Emails demanding that I pay them {$1900.00} a month that I ca n't afford.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Inaccurate Reporting of 30-Day Late Payment Account Number : XXXX XXXX XXXX XXXX XXXX, I am writing to formally dispute the inaccurate reporting on my credit history regarding a XXXX late payment that occurred in XX/XX/XXXX. This discrepancy exists due to my XXXXrelated circumstances during that time. 

As per the CARES Act, which was enacted to provide economic relief to individuals affected by the XXXX pandemic, it is explicitly required that lenders report accounts as current if the late payment was a direct result of hardships caused by the XXXX virus. I would like to affirm that the XXXX late payment in XX/XX/XXXX was a direct consequence of my contraction of XXXX. 

Under Section 4021 of the CARES Act ( 15 U.S.C. 1681n ), it is illegal for a lender to inaccurately report information regarding a consumer 's account, especially when the reporting is deceptive and noncompliant with the law. Failure to rectify this inaccurate reporting may lead to legal action on my part. 

I kindly request that XXXX XXXX XXXX  take immediate action to correct the inaccurate reporting on my account by removing the XXXX late payment notation for XX/XX/XXXX. This action is essential to ensure the accuracy of my credit report and prevent any unwarranted harm to my creditworthiness. 

If XXXX XXXX XXXX  fails to correct this issue within 30 days of receiving this letter, I will have no choice but to pursue legal action for false reporting, deceptive practices, and civil liability under 15 U.S.C. 1681n. I sincerely hope it does not come to that, and I trust that XXXX will take this matter seriously and act in accordance with federal law. 
I appreciate your prompt attention to this matter and request written confirmation of the resolution once the inaccurate reporting has been corrected. 

I have also sent this letter to the Federal Trade Commission, XXXX  Department of Financial and Professional Regulation, Office of the Attorney General, Department of Banking and Finance, Office of Thrift Supervision, XXXX XXXX XXXX, National Association of Attorneys General, Advocates for Fair Credit Reporting, Consumer Financial Protection Bureau XXXX XXXX
Product: Mortgage

I received a letter dated XX/XX/XXXX  from my local tax authority telling me my escrowed property taxes for XXXX  were paid late. As of the writing of that letter, my mortgage company had only submitted one half of the taxes due for my home, and I had been charged an extra {$180.00} for paying late. The first of two payments was due XX/XX/XXXX and was paid several months late on XX/XX/. 

I called on XXXX, XXXX XXXX  to get more information about why these payments were late and to have US Bank cover the late fees since this was due to an error on their end ( I've made every mortgage payment on time ). At that time, they told me they'd made all my payments on time and that they'd investigate the issue and get back to me. They told me I'd hear back from them within 10 business days, but I have not heard back yet. 

A new tax disbursement dated XX/XX/XXXX  has shown up in my online portal. This payment was due on XX/XX/XXXX  according to my county. I'm also unsure whether or not the {$180.00} will be paid by the mortgage servicer or not, as that has not been communicated to me.
Product: Debt collection

XXXX XXXX XXXX, XX/XX/XXXX I am a verifiable victim of identity theft and have a Affidavit of Truth UDAAP - were the laws that were broken and or violated I was mislead as a consumer ( UDAAP ) Two crimes happened : 1. XXXX XXXX thru XXXX XXXX XXXX 2. Identity Theft Section 611 ( 5 ) A of the CRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non complaint, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be deleted. It is also my understanding that Under the U.S.C. 1681, ever single one even each any or all of the unproven, non compliant, incomplete, untrue, incorrect, and or unverfied aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted I am now ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated XXXX XXXX data formatted reporting standards according to regulations Please verify the signature on the credit application used to open these disputed accounts reported on my credit report is truly mine. 

You can do this by sending me a signed copy of the credit application that was used to pen the disputed accounts. 

Please verify that all the information given to you by the provider and then publish on my report concerning these disputed accounts is accurate by sending me the documents you used to verify the accuracy of these items According to my UCC-11 ( Uniform Commercial Code ) Indexing system I don't owe any creditors.

Your company is a private club and I never gave this company permission to have my information. I have a right to privacy by the 4th and 6th Amendment. 

Your company also outsource disputes overseas which also violates my privacy. 

These accounts are part of a UNJUST ENRICHMENT using debt as a TAX LOSS. List of adverse item : Sunrise Credit Service XXXX XXXX XXXX XXXX, NY XXXX Account Type : Collections Account Balance XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened a checking account on XX/XX/XXXX for a {$400.00} welcome bonus when direct depositing {$3000.00} into the account for 3 consecutive months. The bonus was to be deposited within 45 days of meeting the terms. I sent a message on XX/XX/XXXX asking about my bonus and was told that I had fulfilled the requirements and would receive my bonus by XX/XX/XXXX. I sent another message on XX/XX/XXXX after it was not deposited and was told to wait 14 days for a response in mail. I received a letter in the mail dated XX/XX/XXXX that said I am ineligible because I didnt satisfy these requirement : Existing customers that open an additional account are not eligible for this promotion. 

The terms of the bonus I have say one is ineligible if : A current owner of a consumer wells fargo account A wells fargo team member Received a bonus in the last 12 months I did not have a checking account open when I opened this account. I have received a bonus in the past, but it was in XX/XX/XXXX, well before the 1 year requirement.
Product: Credit reporting or other personal consumer reports

Thank you for your assistance in addressing some of the fraudulent information on my credit file. However, there remain unresolved inaccuracies that must be removed. In accordance with FCRA Section 605, you are legally obligated to remove any inaccurate records. I have previously submitted the relevant documentation, which I am enclosing once again for your reference. Please be advised that my attorney is fully apprised of the situation and prepared to hold you accountable for any further non-compliance. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX Balance : {$940.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX Balance : {$940.00} XXXX XXXX XXXX XXXX Balance : {$970.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX  XXXX Balance : {$2600.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX Balance : {$3000.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I do not have XXXX nor have I ever had XXXX. I disputed {$530.00} this many times but never received proof this is mine. I did receive notice that this was deleted on XX/XX/2017. I have sent the notices. Please help me fix this so i may obtain my correct credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX I sent Capital one a letter to validate credit card collections they placed on my credit report. 
On XX/XX/XXXX XXXX they responded with a letter asking for more information On XX/XX/XXXX, XXXX I responded with all the information they requested. 
On XXXX XXXX Capital One responded with generic information, stating they could not give me any statements on these accounts. 

They failed to provide sufficient proof that these accounts are mine, they provided no information such as statements on any of the accounts, in order for me to review what they are saying I owe them was in fact done by me, they are continuing to report these on my credit report, which they have violated the FCRA and FDCPA. 

Ive included all documents that were exchanged between Capital one and myself.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information on my credit report regarding an account reported by XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate, complete, and verifiable reporting. Below, I have outlined the specific issues with this account : XXXX. Inconsistent Comments Across Credit Bureaus : XXXX : Closed. 
XXXX : Subscriber reports dispute resolved - consumer disagrees. 
Equifax : Closed or paid account/zero balance. 
These inconsistencies in comments create confusion and may mislead lenders about the status of the account. 
XXXX. Late Payment Reporting on a Closed, Paid Account : The account has a {$0.00} balance and is marked Closed or Paid across all bureaus. However, the payment history shows multiple 30-day late marks, which is inaccurate if the account is resolved and paid off.

3. Failure to Update or Resolve Dispute Comments : The comments reflect ongoing disputes despite the account being marked as resolved and closed. This misrepresentation may harm the creditworthiness of the consumer. 
XXXX. Inconsistent Reporting Across Bureaus : The Last Reported dates differ : XXXX and XXXXXXXX XXXX XXXX 
Equifax : XX/XX/scrub>XXXX 
While minor, this discrepancy shows a lack of synchronization and proper updates across the bureaus. 
XXXX. Contradictory Payment History : Despite the account being marked as Current and having a {$0.00} balance, the payment history contains 30-day late marks. If unverifiable or inaccurate, they violate FCRA requirements. 

Violations of the Fair Credit Reporting Act ( FCRA ) : XXXX. 15 U.S.C. 1681e ( b ) : Failure to Ensure Maximum Possible Accuracy : Credit bureaus are required to ensure the information they report is accurate and consistent. The discrepancies in dispute comments, payment history, and reporting dates violate this standard. 
XXXX. 15 U.S.C. 1681i ( a ) : Failure to Conduct a Proper Investigation : If disputes have been filed and the information remains inaccurate or unresolved, the credit bureaus may have failed to investigate and correct the errors properly. 
XXXX. 15 U.S.C. 1681s-2 ( a ) : Furnishing Inaccurate Information : The creditor ( XXXX XXXX ) may have provided inaccurate or misleading information regarding the payment history and dispute resolution. 
XXXX. 15 U.S.C. 1681c ( a ) ( 4 ) : Reporting of Obsolete Information : If the late payments are outdated or unverifiable, they must be removed from the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Direct 14 student loans thru the department of education were consolidated into two loans in XXXX. The two loans are now in default but the department of education is reporting all of the original 14 loans that were closed and consolidated as well as the two consolidated loans as in collection. So basically they are reporting 16 loans as in collection as of XX/XX/XXXX and XX/XX/XXXX. Although there is only two loans the other 14 were closed and transferred to the two consolidated loans over 4 years ago. I sent Experian the loan consolidation paperwork as well as the bill from the US dept of education only showing two loans they are collecting. And a print out from Nslds.ed.gov showing my the status of my current loans. I also contacted the lender who is reporting the inaccurate information and neither Experian or the lender will stop damaging my credit by reporting clearly inaccurate information. They are also reporting these loans as included in Chapter XXXX. Student loans can not be included in a chapter XXXX. I have gone round and round with both the creditor and experian about this.
Product: Debt collection

This company is saying that I opened an account with them in XXXX of XXXX. I do not who this company is. I have disputed this debt with XXXX XXXX  times and it comes back as information verified as accurate I do not owe this debt. I am requesting information that I owe this debt and not just a dollar amount I want to know exactly what I owe this money for. And where I signed my name agreeing to this.
Product: Debt collection

I am filing this complaint because Capital One has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
Product: Debt collection

Well this company for years tried to collect an old expired debt and they kept calling and they would talk to my family members about my debt
Product: Credit reporting

Trans Union reports my employer as XXXX XXXX. I have never even HEARD of this company.
Product: Student loan

I had previously been told that Navient received a refund from XXXX University, after I stopped attending. When I called to follow up, I was told the representative who gave me that information was mistaken and no such refund was received. <P/>I requested a loan discharge on the basis of ineligibility to benefit and not being qualified as I did not have a high school diploma or GED at the time I enrolled in XXXX University ( I still have neither ). To work as a XXXX XXXX XXXX in Florida, I would need one or the other. I was not given an exam or test of any sort at any point by XXXX. I 've also faxed Navient my high school transcript, which shows I did not graduate, as well as confirmation that only half of the loan was actually dispersed, obtained directly from NSLDS. The rest clearly shows " amounts canceled '' and " amount dispersed ''. They do not equal up to the loan amount they 're saying I owe. They have the principal amount as {$4300.00}. The amount actually dispersed, as shown on nslds was only {$2600.00}. They requested I get a letter from the school stating I did n't have a diploma or GED. The school is closed and there is no way for me to get the proof they 've requested. When I asked them about this, I was told to contact the Florida Department of Education ombudsman. Due to the inaccuracy of the amounts dispersed, I was referred back to Navient. They are either unwilling or unable to assist me, as I was told they could n't see what was actually dispersed when I called on XXXX XXXX, 2017.
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 Consumers Finance Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my accout vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under 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.