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 violating 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 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: Debt collection

I received a letter in the mail claiming that I owe debt to a creditor for my daughter that was sent to ONLINE Information Services ( dba ONLINE Collections ). I called the debt collection company to get their professional license number and they refused to give it to me. Also, when they tried to verify my account info and asked for the last XXXX digits of my social security number and my daughter 's date of birth, the information they have on file was incorrect. Further, my first name on the letter was spelled incorrectly. 

I believe this is a fraudulent company and a scam to collect personal information on me.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

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

*** NOTE ; This Complaint has been formatted for submission to XXXX XXXX in the event of non-performance by any of the Defendants. The word court as used herein is interchangeable and refers to the CFPB, FTC, XXXX or whichever agency this complaint is submitted to. 

Failure to perform will be construed as exhaustion of my private administrative process and I will pursue multiple appropriate actions with each and all of but not limited to the following : XXXX XXXX, the Attorney General, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  and the FTC. 

This complaint HAS NOT been filed in any court of Law at present. 

To prevent the loss of formatting, to preserve readability, to protect my personally identifiable information and for the convenience of the parties SEE ATTACHED COMPLAINT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have someone using my name to take out Auto Loan and credit cards that I have never used. There are addresses on my credit report that I never lived at, I have filed a police report with the XXXX Police Debt. and a complaint with the CFPB. The following accounts are fraudulent : XXXX XXXX # XXXX!
Product: Money transfer, virtual currency, or money service

I had a scammer who said they worked for XXXX XXXX XXXX from my cash app account. XXXX XXXX XXXX, and XXXX. Called the cash app support and they said there is nothing they can do. I asked cant they reverse the transactions since the scammer has an account with them and they said no. I gave them the scammers account name and they said there is nothing they can do. I find it hard to believe that a repeatable company wouldnt be able to access an account in their system and get back my money. I would think they would want to help the consumer from getting scammed again and delete that account from their system or at least give information about the account to the authorities to help take them down.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TransUnion via certified mail to inform them of FOUR unauthorized inquires to the following that I demanded be deleted from my credit report : 1. XXXX ( inquiry date of XX/XX/18 ) 2. XXXX ( inquiry date of XX/XX/2018 ) 3. XXXX XXXX XXXX inquiry date of XX/XX/18 ) XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/2018 ) There is NO proof I initiated such inquiries, NOR WRITTEN authorization and have failed to provide any permissible purpose. Therefore the inquiries in my credit report violate the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to handle this with Equifax on numerous occasions. Please be advised that this is causing financial damages. Failure to provide and appropriate legal and lawful response will result in further action. Failure to provide such response within 7 calendar days will constituted as your acceptance that this debt is not valid. Please verify, validate and document that I am LEGALLY obligated to pay this alleged debt. A simple answer of " been verified '' does not constitute an appropriate legal nor lawful response. PLEASE REMOVED THE FOLLOWING IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I sent a detailed description of the problem saying how the collections company contradicted itself several times and among the many mistakes, the collections company had the wrong address of my person. Experian just said they updated the case. It seems they did not read the complaint to have the collections deleted. I later found they " updated '' my official credit file with the incorrect or nonexistent address from the collections company. Experian just seems like it is there to help the companies and collections and really did not read the case at all. Then they updated the wrong residential address in my credit file from the incorrect information from the collections company. The original purpose of the dispute was to DELETE the collections report because they had wrong information and made a large number of reversals and contradicted themselves several times. For example the collections account repeatedly said I did not owe any money before. This case was TOO COMPLEX for Experian to read and they punched in things in their keyboard without thinking of what it was about. They thought they were doing good work by entering a WRONG ADDRESS in my official credit file that I told them the collections company had wrong in their records. I was trying to DELETE A COLLECTIONS REPORT. That was the primary responsibility of Experian for the consumers!
Product: Debt collection

I have a random collect call collection on my account. there is no information anywhere on this and i dont accept collect calls. this is a random act of false information on credit reports trying to attempt collect a debt i do not owe.
Product: Credit reporting or other personal consumer reports

I was in XXXX  for almost 3 years and someone fraud my credit theres several inquiries on my credit report that u never request or did. Thank you for your help
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX i noticed that my credit score ( XXXX XXXX ) has dropped XXXX points And notice was " XXXX XXXX account balance increased '' ( also i attached screenshot with more detailes ), but i just used to {$2100.00} from my {$12000.00} balance ( around 17 % ) And my credit score was dropped XXXX points!!! 
It is too much After i called in my XXXX bank and they told me that they didn't see any reason and i had to call in TransUnion After Transunion answered to me : I have just checked the report it doesn't show any info that would have affected your score.I will have to escalate the drop to be checked and investigated.Case XXXX ( attched ) Then they called me and told that i can open a complaint and gave me your information I don't agree with dropping my score for XXXX points and nobody can explain me the reason I built my credit score around 3 years and i was ruined
Product: Debt collection

The following agency is not bonded in TX and can not legally collect debt. Please remove from my credit report and confirm that debt is not owed.     PORTFOLIO RECOVERY  XXXX    XXXX   XXXX    XXXX , VA  XXXX  (  XXXX  )  XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Credit Reporting Agency, I am writing to dispute the following information that appears on my consumer report : Dispute XXXX Account Number or other information to identify account : Source of dispute information : XXXX XXXX Type of disputed information : Auto Loan Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. 


Dispute XXXX Account Number or other information to identify account : XXXX Source of dispute information : XXXX XXXX XXXX  Type of disputed information : Credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. 


Dispute XXXX Account Number or other information to identify account : XXXX Source of dispute information : XXXX XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. 



HARD INQUIRIES : Inquiry Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX I have attached a copy of my identity theft affidavit. 



Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Debt collection

I received a suite from XXXX XXXX today dated XXXX XXXX, XXXX today is XX/XX/XXXX. I am bey suited by a debt collector for the Bank of America by Attorney XXXX XXXX XXXX, XXXX with That, XXXX XXXX XXXX, XXXX, I feel that this has been too long and I do not owe this as it has been a year since paperwork was filed to XXXX XXXX and I am now getting documents.
Product: Debt collection

I was told that I was being sued over an unpaid debt from 2012. They said I needed to turn myself into the sherriff 's office to avoid putting myself or others in danger. I have no idea what this is, but I know it 's a scam. The internet is full of complaints about this EXACT behavior, EVEN DOWN TO THE AGE OF THE DEBT ( 2012 ). 

They have called me repeatedly, as well as my XXXX year old mother who lives in a different state. They threaten and use any number of illegal tactics. 

Today this phony debt showed up on my XXXX credit report. I filed a dispute with them too.
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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : 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: Debt collection

Debt collector, CAINE & WEINER has violated my right to privacy and is also in violation of FDCPA 1006.30a and its rule by parking an unverified, alleged debt on my consumer reports without taking required actions. Please see the attachments.
Product: Credit reporting

On or about XXXX XXXX, XXXX I disputed XXXX Account # XXXX in the amount of {$2400.00} with Transuinion and on or about XXXX XXXX XXXX Transunion notified me that they had removed the information from my credit report. In XXXX XXXX I checked to verify that said negative information was removed and confirmed it was indeed removed. 

On XXXX XXXX, XXXX I discovered a XXXX Account # XXXX with the same amount of {$2400.00} and same dates had been re-inserted into my credit file in XXXX XXXX. The credit reporting agencies, TransUnion included, are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please have them delete this item immediately. 

This appears to be nothing more than an attempt by XXXX to simply change the account number to circumvent the reinsertion clause that requires verification of the debt as again, no history or other information has been provided to validate the debt and TransUnion did not verify that before allowing reinsertion and has not provided that to me as required. 
I have also opened a dispute with TransUnion as well. TransUnion # XXXX Respectfully, XXXX XXXX XXXX
Product: Debt collection

Called and advised the account was past due and asked how I was going to handle this. My wife had already let them know that we were aware it was past due and we would handle it as soon as possible as we had a family emergency. So when I spoke with them I told the agent i would not be handling this at this time. She then proceeded to tell me fine she will send a tow truck to my home to get the vehicle. So I felt threatened to setup a payment I can't afford at this time due to our family emergency. My wife called them back later to see if the vehicle was out for repossession and it's not even assigned for repossession at this time it is only 37 days past due. They should never have threatened to send a tow truck to my home if I'm not even assigned for repossession.
Product: Credit reporting

No response. This account was never late, and shows charge off. I closed the account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is reporting the same account from Rent Recovery Solutions twice. The collection open dates are different for the same amount and the same account number of XXXX. I have sent multiple letters disputing the inaccurate reporting and this have not been resolved. I keep getting a response stating BOTH accounts are reporting accurately. When its clear that its is NOT. XXXX  added the account in XX/XX/2020. I received no notification from the company. The dispute process has been unsuccessful, as XXXX  states this is verified correct. This has impact my credit tremendously and to not have this inaccurate item removed is stressful. My next step is legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found multiple hard inquiries on my credit report that I did not authorize nor recognized. 

Inquiry : Ally Financial Inquiry : XXXX I never authorized Ally Financial nor XXXX to pull my credit in the months of XXXX XXXX, XXXX XXXX, XXXX XXXX or XXXX XXXX. I am not sure how this improper use of my credit happened. I always believed my credit was safe from this type of gross abuse.
Product: Checking or savings account

I called Arvest Bank on XX/XX/XXXX via their call center to change my checking account product ( from a fee account to a free account ), the woman on the phone completed the task, and we hung up the phone. XX/XX/XXXX I received a hand written envelope addressed to me, it contained a cover letter with my name and account number explaining the change to my account and under that cover letter three copies of another customers opening account documents. I now had this customers name, address, phone number, account number, birthday, social, DL #, and all information regarding her balance at the time of opening, where the account was opened etc. I called the customer service line explaining I was upset thinking someone else got my social like I got this persons. I filed a formal complaint, and spoke with a manager. The only resolution she could offer me was to close my account and reopen a new one. Please note I have received someone elses account number, name, and social via drive thru about two months ago while I was paying my house payment. I also filed a complaint at that time but am unaware of any resolution. After the mailing incident yesterday, I requested since my information could be compromised due to the bank negligence that they pay for a minimum of a year of credit monitoring for my husband and myself ( who is also on the account ), notify the other customer and also do the same. As of yesterday, the next manager I spoke with was unable to fulfill my request because he didnt have formal approval. He couldnt pin point who printed or mailed those forms in error, and also couldnt guarantee if my information had been sent out or not. My complaints about customer information not being kept private is doing nothing. In two months I have received two other customers information, and Arvest seems less than concerned.
Product: Checking or savings account

They closed my account due to deposits being processed and then fraud detection that wasnt cleared from merchant. My bank account was closed due to fraudulent charges which was not even verified as fraud.
Product: Credit card or prepaid card

Dear Department of Consumer Protection, I am writing to bring to your attention an issue that I have experienced with American Express. Recently, I received a merchant offer from American Express that promised a certain benefit if I made a purchase at a XXXXXXXX XXXX wine. Specifically, {$50.00} credit when making a purchase over {$100.00}. However, when I attempted to redeem this offer, I was informed that my purchase didn't qualify. I verified through my XXXX history that I did go to the right website. Furthermore, I recorded my transaction and discovered when attempting to pay for the transaction, the website diverts you away from the Amex sponsored page. I contacted customer service attempting to show proof that I was compliant with the terms and conditions. I was told my concern was escalated but after several calls on my status I was told that there is no foreseeable resolution time. 

This is a clear case of fraud on the part of American Express. By sending out an offer and then not honoring it, they have misled me and potentially many other consumers. I believe that this is a violation of consumer protection laws and that American Express should be held accountable for their actions. 

Furthermore, The Federal Trade Commission Act prohibits unfair or deceptive acts or practices in commerce, including false or misleading advertising. If American Express made a false or misleading offer, they may have violated this act. 

2. The Uniform Deceptive Trade Practices Act ( UDTPA ) is a model act that has been adopted by many states. It prohibits deceptive trade practices, including false advertising. If American Express 's offer was deceptive, they may have violated this act. 

3. In the case of Federal Trade Commission XXXX XXXX XXXX XXXX XXXX , 67 F. Supp. 3d 1303 ( N.D. Ga. 2014 ), the court held that a company 's failure to honor a promotional offer was a deceptive act or practice under the Federal Trade Commission Act. 

4. In the case of In re : XXXX XXXXXXXX Marketing and Sales Practices Litigation, 953 F. Supp. 2d 907 ( E.D. Va. 2013 ), the court held that a company 's failure to honor a promotional offer was a breach of contract and a violation of state consumer protection laws. 

Based on these legal precedents and codes, it seems clear that American Express may have committed fraud by sending out a merchant offer and then not honoring it. I hope this information is helpful. 

I would appreciate your assistance in resolving this matter. I believe that American Express should be required to honor the offer that they sent out, or to provide compensation to those who were affected by their fraudulent behavior. I also believe that American Express should be required to take steps to prevent this type of behavior from happening in the future. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

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

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or remove. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX Balance : {$2800.00} XXXX XXXXXXXX Balance : {$820.00} XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX Balance : {$8900.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$860.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX ) XXXX Balance : {$300.00} XXXXXXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my LexisNexis consumer report and it showed two different bankruptcies on it. One from XXXX, TX and one from XXXX, TX. Did not give any written consent to LexisNexis to publish these. I beleive thats a violation of my consumer privacy. I sent LexisNexis a certified letter on XXXX asking them to remove the bank bankruptcies. I sent a certified affidavit on XXXX showing LexisNexis all the consumer rights that they have violated since I am a consumer.