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 Fair Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Dear XXXX Team, Thank you for your response dated XX/XX/2024, regarding the dispute I submitted on XX/XX/2024, through the CFPB Complaint Portal. While I appreciate your efforts to review my concerns, I am writing to challenge the method of verification used in this instance and to request further clarification in accordance with the Fair Credit Reporting Act ( FCRA ). 

Firstly, I respectfully assert that the method of verification employed by your public record vendor may not be compliant with the stringent requirements outlined in the FCRA. Specifically, Section 611 ( a ) ( 1 ) ( A ) of the FCRA mandates that credit reporting agencies must conduct a reasonable investigation to verify the accuracy of disputed information. The method of verification must be thorough and involve direct communication with the source of the informationin this case, the public record custodian or the court itself. 

It appears that your process relied solely on the information provided by a third-party vendor, rather than directly verifying the information with the court where the bankruptcy was filed. This indirect approach may not meet the FCRA 's requirement for a reasonable investigation. Therefore, I request a detailed explanation of the exact steps taken during the verification process, including whether XXXX directly contacted the court that maintains the public record. 

Additionally, under Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the FCRA, I have the right to request a description of the procedure used to determine the accuracy and completeness of the information. Please provide me with a comprehensive description of the procedures and methods used by your public record vendor to verify the disputed bankruptcy information. 

Furthermore, the FCRA requires that credit reporting agencies maintain accurate and complete records. Given that the verification process appears to have been insufficient, I urge XXXX to re-investigate this matter by directly contacting the court where the bankruptcy record was filed to verify its accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX  Account # XXXX XXXX  Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Federal Trade Commission XXXX XXXX XXXX XXXX Washington XXXX DC XXXX Subject : Violation of 15 USC 1681 - Accuracy of Reporting by Experian Dear XXXX, I am writing to formally report a clear violation of the Fair Credit Reporting Act, specifically 15 USC 1681, concerning the accuracy of reporting by Experian. 

I had a credit card account with XXXX XXXX XXXX  for over one year, which had a positive impact on my creditworthiness. However, I recently discovered that this account has been deleted from my credit report without any prior notice or justification. As per the regulations, a reporting agency is prohibited from removing a verified account from a credit report. 

I have attached my credit report from XXXX for your review. Please take note of the open and closed dates associated with this account. The deletion of this account is not only unjust but also detrimental to my credit score and overall financial health.

I kindly request that you investigate this matter and take appropriate actions against Experian for this violation.

Thank you for your attention to this important issue.
Product: Credit card or prepaid card

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : Wells Fargo XXXX WELLS FARGO BANK, XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX XXXX Balance : {$710.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$570.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX Balance : {$1000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; A XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

I have contacted all XXXX credit bureaus to remove incorrect credit reporting data from my file. The account in question has an approx balance of XXXX. I have, with success been able to get the incorrectly reported information removed from my XXXX file. The item is no longer listed due to my not being liable for the loan. The loan is a joint loan that liability should be listed as XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. I do, however have XXXX Consolidation Federal Student loans ( Exhibit A ) that are currently in a hardship deferment. I have contacted Navient to have the inaccurate listing as it is affecting my " creditworthiness '' and I would like the inaccurate data removed. There is negative payment information that has correctly been reported to my parents XXXX XXXX and XXXX XXXX. 

Enclosed is the student loan detail from Navient website confirming the following : 1. Shows my father " XXXX XXXX '' as the borrower 2. Shows the school attended as XXXX XXXX University XXXX. Shows " XXXX XXXX XXXX XXXX '' as the student associated/attending the learning institution " XXXX XXXX University ''. 

XXXX credit file showing the item has been removed.
Product: Checking or savings account

CAPITAL ONE has not yet paid out direct deposits that the companies of the employed have already sent to their bank.
Product: Debt collection

2021 I was having medical issues with a XXXX XXXX XXXX and had problem making payments due to being out of work. XXXX XXXX  offered a reduced amount that I couldnt afford. In return I asked for a reduced amount but paid in a monthly payment plan, to which the bank agreed. They wrote off the debt, closed my account and my access to it, and collected two months of payment. Then the bank stopped collecting my payments and wanted the charge off debt paid in full, not taking account of the payments Ive made. After reporting to XXXX, their claim was that my payments did not meet their original offer to which I never had agreed to. Every time Ive asked to have emailed or mailed copies of all the documents associated to my account and agreements Ive made, the bank refused. Ive called and emailed and still received nothing. Now after couple of years, they sold the debt to a collection agency, even though my debt has been wiped off my credit report and they never contacted me after my complaint to XXXX So now I cant get any documents from the bank and they refuse to communicate with me
Product: Credit reporting, credit repair services, or other personal consumer reports

On   XXXX   XXXX    2017 I no ticed my credit went from  XXXX  to  XXXX  with   XXXX   and from  XXXX  to  XXXX  with  XXXX  credit reporting agency. This is eroneous reporting coaused by  Capital One credit card. Capital one was erroneously   reporting that I was using between  12  and 29 % percent of my credit for the month of may. I only actually used 8 %. I spoke to Supervisor  XXXX  from  Capital one o n Sunday   XXXX   XXXX   , 2017. I as ked her to send a notification to the  XXXX  credit buruea reporting agencies. She stated that she would but I never received any email confirmation of this. Capital one created this mistake with the credit buruaes knocking my crddit down. I need this fixed ASAP as I am in the process of fianancing a Town home awaiting approval for a VA home loan. The mistake with capital  one occurred when they credited back my account for   {$200.00}, but wrongfully put this credit as a debit on my credit limit. Subtracting the the amount from my credit l ; imit instead of addin g to it. Total INCOMPETENCE!
Product: Credit reporting or other personal consumer reports

Dear CFPB, this would be my 5th time trying to get the correct action completed on the 3 major credit agencies ; I have requested that the information on my reports be verified and corrected. But to no fail, nothing has been done. I have asked one of the creators to be verified ( XXXXXXXX XXXX ) ; I am being recorded as a charge-off, which I am not sure how. I traded my car in for another vehicle. XXXX called for a pay-off, which XXXX gave , and I traded the car. A few months later, they called, saying I owed them {$45.00}. I explained I traded the car and also had XXXX investigate, and I was told they cashed the check, so why are they calling you? This is showing up on my credit report for all 3 agencies, and I hold a XXXX XXXX XXXX. I have been passed over for 4 positions, sure to negative information on my credit reports ; I have lost out on the most significant pay days of my career. Now, I am in a lower-paying position due to my credit report. I have tried to remove this account from my report, but I have had no luck, nor can I be provided any reason for this showing up on my reports. Please advise. This has been years in the making!!!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Transunion XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent XXXX  furnished alleged transaction on my TransUnion, that you identified as late. 
15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; My transactions and experiences with your company are excluded from the consumer report.

You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports.

The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless thecreditorhas adopted reasonable procedures designed to ensure that each periodic statement including the information required bysection 1637 ( b ) of this titleis mailed or delivered to the consumer not later than 21 days before the payment due date.

In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date.

2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.

A creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule 1002 the documents that shows proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date. 
Do not rely to me stating that you are furnishing accurate information because we both know your not. 
Do not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ).

If you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2. You have 10 Calendar days from the receipt of this notice to provide the required information or delete the transaction you have listed as late : XXXX account has become 90 Days Late XXXX account has become 90 Days Late XXXX  account has become 90 Days Late XXXX account has become 90 Days Late XXXX XXXX _________________________________ Without Recourse UCC 1-308
Product: Credit reporting or other personal consumer reports

I am submitting this complaint because I am scheduled to update my credit reports within the next 15 days. I am keen to ensure that the following inquiries have been expunged from my credit reports : XXXXEXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It is imperative to reiterate, in accordance with FCRA Section 605b, Credit Reporting Agencies are mandated to remove any items listed on an identity theft report. For your reference, I am re-attaching my FTC report with the reference number # XXXX. Furthermore, the Fair Credit Reporting Act stipulates that Credit Reporting Agencies must remove any items in the consumer 's file identified by the consumer as information resulting from an alleged identity theft within four business days of receipt.
Product: Credit card

on XXXX/XXXX/2015, Capital One Bank did not report the correct balance on my account. The company claim they report every month, but it still shows that I owe them XXXX dollars, which for XX/XX/XXXX I only owe XXXX dollars, which is my balance. The company is reporting inaccurate data to credit bureaus XXXX. XXXX and XXXX. So I decided to file a compliant.
Product: Debt collection

I received a mailed letter from XXXX XXXX XXXX claiming I have a debt from PayPal of XXXX dollars as of XX/XX/23. I confirmed with PayPal that nothing linked to my unused account shows a balance or debt ( confirmed with transaction statements ). They stated that anyone can use someones name and social to start an account because there is no verification process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has old, outdated credit information about me. The other credit bureaus are up-to-date. Additionally, I have tried to look at the credit information with Experian so that I can specifically dispute items, but the online service doesn't let me create an account so that I can see the details and their phone is not manned by people. I have only heard, second-hand, the inaccuracies.
Product: Debt collection

I have never had any agreement with this company! They are reporting to all credit bureaus that I owe them a debt which is illegal! According to XXXX " The right of subrogation does not exist for a stranger to the transaction. '' They have no legal rights to report any debt to any bureau nor post or obtain any information on my Credit Files.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a pay in installments loan via paypal for an item I purchased, and then returned, to XXXX. 
The item has long since been returned without issue to the seller. 
However, the " XXXX XXXX XXXX '' at paypal can't, or won't, figure out that they are continuing to illegally access my account and steal money from me when I have emails and letters stating I don't owe any money for an item that has been RETURNED over a month ago!! 
This is total incompetence, but more than likely just bad faith, from the XXXX XXXX XXXX, and they need to immediately cease and desist from illegally accessing my account and stealing my money. 
paypal themselves have sent me an email that I returned the item and owe nothing- yet they continue to rob me. 
I also opened a dispute with my bank who was in contact with the idiots at paypal and paypal once again stated to my bank that I was not required to pay for an item THAT HAD ALREADY BEEN RETURNED!! 
I don't even have the item anymore - yet paypal just keeps charging my card - double by the way! 
They literally charged me double. 
I am writing to the DOJ about this again, and letting them know XXXX XXXX XXXX are continuing to access my bank account and steal from me even though I have emails from paypal stating the item was returned and I owe nothing, plus the letter from my bank where you state I owe nothing. 
I would also like to note that the seller reached out to me yesterday stating he was charged over {$60.00} because I returned the item and XXXX hit him with crazy fees that didn't apply to the situation. 
All of this screams FRAUD!

There is zero reason why XXXX should be charging this seller fees because I returned an item. He is not happy about this which is why he reached out. 
They charged him a " charge back fee '' and stated it was because I " changed the reason of my return ''. 
I never changed the reason of my return- the XXXX XXXXXXXX XXXX XXXX did that- which then caused the seller to get charged a fee. 
I told him to write to the DOJ too. 
All of the attached documents lay out exactly what I have stated. 
This issue was closed by my bank after they spoke to paypal yet I'm still being robbed. 
CFPB - you need to address that paypal and XXXX are both conspiring together to defraud customers. These pay in installment loans must end if this is how paypal runs a business. They can not continue to offer this scam service when all they are doing is stealing from people and acting in 100 % bad faith when the customer tries to dispute an issue.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Debt collection

To Whom It Concern, I recently received a copy of my credit report ( XXXX/XXXX/XXXX ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt, Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Thanking you,