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

I am filling 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. Furthermore, their dispute resolution process was unfair and deceptive, as they did comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations 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

On XX/XX/year> I mailed off my dispute for a few accounts on my Equifax credit report. The tracking number is : XXXX and Equifax received my dispute on XX/XX/year>. I have yet to receive anything about the results for my dispute reinvestigation.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : XXXX XXXX XXXX
Product: Debt collection

I'VE CONTACTED TSI ( TRANSWORLD SYSTEMS INC ) on multiple occasions ( XX/XX/XXXX ) & ( XX/XX/XXXX ) WITH NO RESPONSES VIA MAIL. I'VE ASKED FOR VALIDATION OF DEBT, THEY CLEARLY VIOLATED FEDERAL LAW, BY BLATANTLY IGNORING DEBT VALIDATION LETTERS AND REQUEST FOR CONTRACT BEARING MY SIGNATURE. THESE ARE NOT MY DEBTS, I'VE HAD NO COLLECTION ACCOUNTS SINCE MY BANKRUPTCY IN XXXX. I'M WORKING TO REFINANCE MY HOME AND THIS HAS BEEN A SEVERE HINDRANCE QUALIFYING FOR FINANCING. 
ACCOUNT # XXXX {$3200.00} & XXXX {$1000.00}
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

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 XXXX XXXX : Account number # XXXX XXXX XXXX Account number # XXXX XXXX XXXX XXXX XXXX Account number # XXXX XXXX XXXX : Account number # XXXX XXXX XXXX : Account number # XXXX XXXX XXXX : Account number # XXXX XXXX XXXX : Account number # XXXX XXXX XXXX XXXX : Account number # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have a right 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report 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: Payday loan

I had applied for a payday loan with speedy cash in XXXX. This loan was not paid back on time, so the lender turned it over to a third party collector. XXXX had several lenders that was trying to collect funds on behalf of other lenders I had payday loans with. Loan shop, XXXX ect ...., but I was told that all these lenders were paid on XXXX XXXX XXXX. Speedy cash is still reporting my account delinquent.
Product: Payday loan, title loan, personal loan, or advance loan

I recently used Sezzle to buy a couple of items for XXXX. I have used the buy in XXXX payments services before and they help when you are short of cash. I also know that they are very sneaky about getting paid back. I provided them with my bank account number to withdraw all payments when I set up the account in the beginning. I added a credit/debit card to the account to make the actual purchase instore for the items, essentially making the first payment using my debit card. When you go to add your card to your account for purchasing, it makes the distinction between a card to purchase things or to make payments on the account. Again I left my bank account as the way to pay off the purchase. After the XXXX of the year I have fallen upon some very rough financial problems and I'm having a hard time making ends meet and have in fact become homeless. I knew that I had the payments to make to Sezzle and that they had come due and time had gone past their due date. I did not have the funds available in my bank account to cover the items which amounted to {$79.00} with their late fees. The payment was due on XX/XX/XXXX. On XX/XX/XXXX, after working for a friend, he deposited {$120.00} in my bank account late at night while I was asleep. Upon waking up and looking at my phone and my account, I noticed XXXX charges had been made on my debit card from Sezzle, the first was for {$22.00} and the second was for {$57.00}. I immediately called Sezzle to ask why they had withdrawn that money from my debit card. I explained my situation and let them know that was my money for food and shelter for the weekend and also told them that they did not have permission to take anything off of my debit card, only my bank account which is at a totally different banking institution. They said they needed their payment and that it was unfortunate that it happened but there was nothing they could do. I begged them to return the funds, they refused. The told me that it was already processing and there was absolutely nothing they could do on their end. I told them I would go to my card issuer and dispute the charges, and they encouraged me to do so. I have since gone to XXXX, the card issuer and disputed the charges, but they have yet to return any money. My problem here is I know I owe them money, I have a bank account set up for that purpose. The debit card was added, and I repeat here for purchasing only, not for paying the bill as it says so on their app. If that card is for purchasing only then they have no right or business charging it. It's flat out deception and wrong.
Product: Mortgage

I XXXX XXXX am in the process of getting myself out of debt over the next year without filing for personal bankruptcy protection. I request a full modification package at this time from my mortgage service agency, where I can explain my hardship and my plans on working through it. Accordingly, I make this request through the Consumer Financial Protection Bureau to make it a matter of review to the general public to see how national banks work with the public.
Product: Debt collection

I call this office in an effort to settle the debt in around the first week of XX/XX/XXXX. I acknowledged the debt. However I was met with harsh language and threatening comments. After much harassment and threats I made an agreement to pay {$100.00} per month starting XX/XX/XXXX.and a payment of {$60.00} in XX/XX/XXXX was agreed upon. He stated that if I break the agreement I would lose what I paid in. On Thursday XX/XX/XXXX he { XXXX XXXX } called back making threats that I need to get a lawyer and there was no agreement made, and there was nothing in writing, and that the debt was due in full that day, and no other arrangement will be accepted that it must be paid in full. He continued to be little and speak harshly to me still denying that there where any prior arrangements. 
He has made several derogatory statements making my efforts to reason with him impossible I do not want to put up with being yelled at and him raising his voice in a confrontational manner. I have never been disrespected in this manner before. Also I had a recent letter stating that I had other options of paying this debt but he refused to acknowledge the letter from the original creditor.
Product: Credit reporting or other personal consumer reports

XXXX is reporting fraudulent credit inquiries on my report.
Product: Credit reporting or other personal consumer reports

I have made several unsuccessful disputing attempts with Transunion to correct the XXXX inaccurate reported XXXX days late payment reported on my consumer credit report on XX/XX/XXXX to change to paid on time. Account was paid on time for XX/XX/XXXX and closed in XX/XX/XXXX in a paid as agreed status. 

XXXX has correctly reported the XXXX account as paid as agreed, but Transunion has not, which is an inaccuracy that Transunion has not resolved. 
I have requested that Transunion update my consumer credit report to show the account has been paid on time without any late payments, with the closed status should be updated to paid as agreed per the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried a number of times to submit all the information I have that this was fraud and contacted each company like they have suggested and the companies will not do anything. So I am asking again please remove the fraudulent activity on my account. 

Or I will continue to file complaints against your company until it is resolved wither its the 2 year limit or you get tired of dealing with these complaints. Your Choice.
Product: Debt collection

I have been complaining with all of the debt collector letters that I have receiving. Stated I owe XXXX XXXX XXXX XXXX {$1000.00}. I already called and filed the fraudulent form with XXXX XXXX XXXX. This debt collector is a new one name True Accord. So far I have reported 3 debt collectors here in CFBP to investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in violation by XXXX XXXX and transunion by being ignored constantly. I will continue to send in disputes until i recieve an answer. Yes I XXXX XXXX authorize all three bureaus to investigate my credit report.
Product: Debt collection

I left bank of America because I was being charged overdraft fees that were a direct result of them not crediting my deposits for up to a week. I left them and now I understand that they posted an outstanding debt to my credit report and show that I opened an account in XX/XX/XXXX when I stopped doing any business with them in XX/XX/XXXX. I called spoke to their representative and they said they would fax a letter showing that the debt was taken care of, then later in the day when the fax did n't come through they changed the story and said they would not be sending anything and that they sold the account to someone else and ca n't do anything with it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from XXXX XXXX XXXX saying i owe them a debt. please provide a certificate of indebtedness showing i owe XXXX XXXX XXXX a debt. they said i owe XXXX  XXXX XXXX. please provide a certificate of indebtedness from XXXX XXXX XXXX 
Attached is prove i disputed the debt within the proper timeframe and XXXX XXXX XXXX is still attempting to collect and has reported this fraudulent account as a collection on my consumer reports.
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 XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX # 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: Debt collection

I do not owe this judgment. this company was sent a letter and never responded to my letter. They filled a court order that I knew nothing about, and now garnishing my employment check. This company is a fraud. STENGER & STENGER WAS SENT A LETTER BY CERTIFIED THAT THEY RECIEVED AND NEVER RESPONDED.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX XXXX, TRANSUNION XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX were contacted and noticed to Cease and Desist reporting of several currently reported injurious claims ; unproven yet to be factual and physically validated as true, correct, complete, timely and certifiably XXXX XXXX format compliant, regarding an alleged XXXX XXXX debt. 

The claim by XXXX XXXX XXXX XXXX XXXX. was to be checked for requisites and immediately removed from reporting of only factually true, complete, timely, validated and certified allegations. This original Notice was received XX/XX/year>. XXXX XXXX, XXXX XXXX, TRANSUNION XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX failed to provide any of the requested information. 

This is an account that was previously removed from reporting to my personal credit profile, as I XXXX XXXX XXXX. This alleged debt was also previously removed from my credit profile when listed as the XXXX XXXX. Per my States reporting regulations and the applicable federal guidelines for lawful and compliant reporting of consumer credit, it is unlawful to assume report-ability of any claim without physically verified proof of fullness of truth, completeness of accuracy, timeliness of validity and/or certifiable compliant reporting elsewise to include but not limited to the standards and mandates described or hinted at via the applicable FCRA AND FDCPA laws XXXX much less the standard of compliant reporting of the documented perfect and complete Metro XXXX Format compliance XXXX reporting. XXXX XXXX, XXXX XXXX, TRANSUNION XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX 's current reporting practices are significantly deficient and unproven to be factually true, correct, complete, timely, validated, and/or elsewise certified compliant as related to the mandates and standards of lawful reporting, per the applicable aspects of FCRA and FDCPA to include but not limited to the mandatorily perfect and complete certified Metro XXXX XXXX reporting. 

XXXX XXXX, XXXX XXXX, TRANSUNION XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX 's are reporting inaccurate and incomplete information, in regards to the below noted allegedly derogatory account.
Product: Credit reporting or other personal consumer reports

Due to a data breach with experian and transunion my information and identity was compromised. 15 us c 1681b states I have a right to privacy. According to FCRA section 605b it is illegal to report anything in my credit report without permission
Product: Debt collection

Sent a letter to PRA about a fraudulent collections acct opened in my name & they refused to delete it from my credit report & harassed me with calls. I sent a certified letter to Portfolio Recovery Associates ( PRA ) on XXXX/XXXX/17 regarding a fraudulent credit card account that had been opened in my name and then sold to PRA as a collections account. I explained that I had my identity stolen on XXXX seperate occasions in the last 6 years and I 've even had to be issued a pin every year for my taxes as the criminals who stole my identity also tried to file fraudulent tax returns in my name. I offered to settle the debt at 50 % of the amount owed even though I acknowledged that it was not my doing to begin with. I offered this because I 'm trying to finally have this account as well as others related to the identity theft removed from my credit report. I also asked that PRA not contact me via phone at all regarding the matter. PRA sent me a letter with copies of the credit card statement alledging that I did indeed open the account with no response to my offer to settle the account by paying {$520.00} in exchange for it being deleted from my credit report. In addition, I started receiving harrasing phone calls from PRA starting on XXXX at XXXX XXXX and again on XXXX at XXXX XXXX, despite my explicit request to be contacted by mail, which is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ).
Product: Credit reporting or other personal consumer reports

My information was exposed to a data breach. According to 15 USC 1681 right to privacy, my rights were violated and all 3 credit bureaus are responsible for tarnishing my life!
Product: Credit reporting or other personal consumer reports

Hello I have filed a complaint over several times regarding XXXX XXXX. I have called multiple times and left messages I even have two conversations recorded. I have been trying to get in touch with them for a while now and i have provided them with all details that was needed to investigate my claim and still nothing.
Product: Credit card or prepaid card

Over the past few months I have discovered that there were unauthorized cards attached to my account. None of which I received any text alerts regarding the usage and/or activation of these cards. 
In XXXX of 2019 I, I filed a complaint with the credit bureaus in regards to identity and fruadalent activity on my reports in addition to contacting Netspend and cancelling the account and card. Only to recently discover that the accounts nor cards were cancelled. 
In XXXX of this year, I came across atm withdrawals that we not made by myself. Over the past few months, for weeks at a time I have had no access to my accounts via their website nor mobile app. Their information online is inaccurate and when I file disputes, they deny my claims when they are the ones at fault. 
They have not provided me, in writing nor electronically the reasons for the denial of my disputes.
Product: Checking or savings account

I discovered that Wells Fargo opened a checking account without my authorization in XX/XX/XXXX in conjunction with my obtaining a mortgage through Wells Fargo. I only learned about the account when my mortgage was paid off and I received a statement stating that I owed {$30.00}. I called Wells and was told that the checking account fee had been waived for the 9.6 years I had my mortgage but that the {$30.00} fee was being assessed since my mortgage was paid off XX/XX/XXXX. I never knew I had a checking account with Wells Fargo. I finally convinced a Supervisor to close the account. I am reporting this since I never knew until now that I was one of the unauthorized account holders.
Product: Debt collection

I don't nor have I ever owned any type of account with XXXX XXXX XXXX. I have Disputed this matter with both the company and their representative, Trident Asset Management, negatively reporting on my Credit. I am prepared to sue this company and XXXX for falsifying information about me in Libel and Misrepresentation. I have written numerous statements in Dispute, letters, and request for Discharge on this debt alleged to me. I have requested proving documents to verify the information provided to obtain whatever kind of account this is but these companies refuse to provide the proof that I agreed to or that I used my identification to activate an account.
Product: Debt collection

Medical bill from about 6 years ago. 

Went to emergency room in XXXX XXXX XXXX XXXX, XXXX XXXX, Florida. Several days later, phoned the financial/billing office. Told them that at present I was out of a job and gave them pertinent information. Was later told that they had written off the amount as an indigent patient. 

Over past five years, I have been employed and have been trying to qualify for a home mortgage. Found out that there was this outstanding bill for {$860.00} for medical on my XXXX credit report. Phoned them to find out what it was. I was told that it was the " doctor 's fee '' for my visit to ER. I never received a bill for this. I have moved several times and there is likelihood that this bill never caught up to me. I assume this collection is probably on each of the credit bureau records. 
I told XXXX I would like to pay and clear this collection. I paid {$520.00}, Confirmation # XXXX on XX/XX/2021 and she told me it would come off my report within 5-7 days. This has not been done. XXXX XXXX is who I paid. I was told that this would increase my credit score.
Product: Debt collection

There are 2 debt collectors that started calling me at 6 months ago and it happens every day. They each call about 15 times a day ... They both start calling at XXXX until XXXX ... 
I've tried a couple times to contact them. It's busy or someone answers saying I have the wrong number.
Product: Checking or savings account

On XX/XX/2020 Suntrust debited my account for XXXX and transferred the funds to my parents account after my parents was already in contact with the bank regarding their account that was overdrawn due to fraudulent activity and the bank advised not to pay fees while it was under investigation. This left my account at a XXXX balance, my entire paycheck had been deposited. At this time that was the only money I had to pay my bills for weeks, I was diagnosed with XXXX and was out of work for the next two weeks without pay. I contacted the bank and they told me at first that I made the transfer myself then said it was internal but could not explain why at that time someone else explained it went to my parents account giving me all the details of their account and what happened which they should not have done. I explained that I had XXXX  and the person was very rude and not understanding. My credit card payments were returned and now this is affecting my credit score I am just XXXX. My mother was able to get the return charges taken off my account however I still have a negative balance due to this.