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

Im following your complaint against Cash App ( block inc ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( cfpa ). Specifically, cash app fail to take timely and effective measures to prevent an address fraud on their platform, leaving account vulnerable, and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronics funds transfer act ( efta ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution proc was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that 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. '' I have disputed this account with them several times and they have failed to provide me with the documents used to verify this account that does not belong to me. Please assist in resolving this matter. Thank you!
Product: Debt collection

I paid the  XXXX   XXXX   XXXX  off in  XXXX . They sent my title. I do n't owe them anything, but the way  Santander rep orted it on my credit looks like I still owe. They reported it as a "  XXXX  balance '' which looks negative on my part. I feel it should say " paid in full. ''
Product: Credit reporting or other personal consumer reports

This is an Identity Theft pursuant to 15 USC 1681a ( 3 ). The information I am demanding to be removed is not sent in error and is an affidavit of fact, so there is no material misrepresentation of the fact. If you believe I obtained possession of goods and services, then have a senior executive member of this company put this information on a signed and notarized affidavit under penalty of perjury. 

Once the items are removed from my consumer report, I demand that they are never put back on. If they are put back on, I will pursue litigation against your company in federal court, pursuant to 15 USC 1681o. 

Per 15 USC 1681c-2, the credit reporting agency must block this information from being reported to my consumer report within 4 days of receipt of this ID Theft Report, and I am demanding that you do so. 

Thank you for your help in protecting my federally protected consumer rights.
Product: Credit reporting or other personal consumer reports

Capital One account ( Account Number : XXXX ) - I am disputing all information being reported to credit reporting agencies regarding the Capital One account ( Account Number : XXXX ). The report lists a balance of {$330.00}, a credit limit of {$300.00}, a balance updated XX/XX/XXXX, 110 % credit usage, a $ 25 monthly payment, an account opened on XX/XX/XXXX, last payment date of XX/XX/XXXX, highest balance {$470.00}, status open, and responsibility individual. The payment history also shows XXXX late payments which are incorrect. Under the Fair Credit Reporting Act ( FCRA ), only accurate and verifiable information should be reported. Please investigate this account and remove the incorrect details, including the late payments. If the information can not be verified, it must be deleted per FCRA Section 611. Please investigate and review all and any recent statements and payment records, including the most recent credit report.
Product: Credit reporting or other personal consumer reports

I have a free experian account that I use infrequently. They send me emails often to get me to purchase their {$26.00} a month service, but I use the free one. I noticed they started charging me in XXXX for the premium service. I called them -- it took 30 minutes and several calls to outsmart the voicemail and actually get to talk to a person, a small win, but I'll take it. So, the person from Experian tells me that I ordered the premium service when I " clicked '' to see all 3 credit reporting agencies. I told her I thought that was sneaky and underhanded. I didn't want to order the premium. How many others have been tricked like that? Anyway, she told me I could not get a refund for the two months ( XX/XX/XXXX, XXXX ) because that was their cancellation policy. I informed her that I would make my complaint with CFPB before Trump can dismantle you all. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act they violated my privacy and confidentiality under 15 U.S.C 1681. Accounts for XXXX XXXX, XXXX XXXX XXXX Acct # XXXX ; XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  acct. # XXXX ; XXXX XXXX  acct # XXXX ; dept of ed/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX acct # XXXX ; XXXXXXXX XXXX XXXX  acct XXXX XXXX ; XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX ; XXXX XXXX  college XXXX XXXX  # XXXX ; XXXX acct # XXXX have 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 it also states a consumer reporting agency can not furnish a account with out written instructions. 15 U.S.C 1681 C. ( a ) ( 5 ) section states no consumer reporting may make any consumer report containing any of the following items of information, any adverse items of information, other than records of convictions of crimes which antedates the report more than 7 years. 15 U.S.C 16815-2 ( 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 accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was reporting to all credit agencies that I was over the credit limit. They updated only XXXX. XXXX and Experian has not been updated.
Product: Credit card or prepaid card

I applied for an American Express Delta Platinum card. According to the promotion I " can earn XXXX bonus miles and XXXX Medallion Qualification Miles ( MQMs ) after {$3000.00} or more in qualifying purchases are made on the Card within the first 3 months ( 92 days ) of Card Membership. Also, a {$100.00} statement credit after the first qualifying Delta purchase is made on the Card within the first 3 months ( 92 days ) of Card Membership. '' I fulfilled all the spending requirements in early XXXX. Neither the miles nor the statement credit advertised under the promotion have been posted to my account. I have contacted AmEx several times by chat (XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). At each contact the representative has verified that I have met the requirements. Yet the bonuses have n't been posted, even though the time limits they themselves have specified have passed. 

I believe that American Express ' advertisement is deceptive, misleading and fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing today to seek assistance in disputing the following hard inquiries on my Experian Credit Report. I have contacted the creditors listed and they told me I have to dispute it with Experian directly. Experian has advised me to : " wait them out and see that my credit score will improve over time. '' My credit report shows inquiries that I don't recall authorizing. I understand that they shouldn't be able to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my file because it is making it very difficult for me to acquire credit. 

The Fair Credit Reporting Act ( FCRA ) states that the only permissible purpose for pulling someone's credit is for. 

XXXX. Firm offer of Credit XXXX. Insurance XXXX. Employment XXXX. Court Order The following XXXX XXXX XXXXXXXX ) credit inquiries are related to none of the aforementioned permissible. 

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 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 Please assist me in coordinating with Experian to see these inquiries removed from my credit report immediately.
Product: Checking or savings account

XXXX user id Password- ( XXXX ) last known XXXX banking app online has been compromised and others including my sister XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Have all my identity and have been changing my passwords and pins to my bank accounts and have been changing my accounts around with all of my information including my ssn XXXX, XXXX XX/XX/1975, address XXXX XXXX XXXX XXXX XXXX Ohio XXXX, and I have reason to believe I'm being watched because my information keeps getting known to individuals above and my passwords and pins I keep changing them and someone keeps getting them! Please help me with this id theft alert problem! I've made a police report and a id theft .gov report! Not to mention all 3 credit reports agencies have all fraudulent information reported by my sister and others above that have stolen my identity! Please give me a report on all names listed on who reported what items on my credit bureau it is all false information!
Product: Debt collection

I am writing to dispute the validity of this account that you have been attempting to collect on my behalf, which I believe are time-barred under the New York State statute of limitations for debt collection. The account in question is : JPMCB Card Services As per my understanding of the New York State statute of limitations for debt collection, which is three years, the aforementioned accounts have exceeded the applicable time frame for legal collection actions. Therefore, I am requesting that you immediately cease all collection activities related to these accounts and remove any negative reporting from my credit files. 

Please note that I am aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Pursuant to the FDCPA, it is illegal to engage in any deceptive, unfair, or abusive practices in the collection of debts. Furthermore, the FCRA mandates that the information reported to credit bureaus must be accurate, complete, and verifiable. 

I kindly request that you take the following actions : 1. Cease all collection activities, including phone calls, letters, and any other form of communication, regarding the above-mentioned accounts.

2. Remove any negative reporting associated with these accounts from my credit files with all three major credit bureaus : XXXX, XXXX, and XXXX. 
3. Provide written confirmation within 30 days of receiving this letter that you have ceased all collection activities and that you will no longer report these accounts to any credit reporting agencies. 

Failure to comply with this request may result in legal action being taken against your agency for violation of the FDCPA and the FCRA. Please be advised that I am prepared to pursue all available legal remedies to protect my rights. 

I expect your prompt attention to this matter. Please consider this letter as a formal dispute and a request for validation of the accounts in question. I request that all future communication regarding these accounts be conducted in writing and sent to the address listed above. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I applied for auto financing through Carmax which get me approved for a loan through XXXX XXXX now they are forcing me to put a down payment to accept the line of credit according to the Fair Credit Act 15 U.S. Code 1662 - Advertising of downpayments and installments it states No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount. So im not legally required to make a down payment to drive away with this vehicle
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - 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, not later than XXXX business days after the date of receipt by such agency of - ( 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. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent inquiries, along with my statement ).
Product: Credit reporting or other personal consumer reports

After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty day time frame. Please take the time and consideration to remove the incorrect information from my credit report. With our economy struggling the way that it is, I can not afford to have inaccurate information negatively affecting my credit score. I will await an updated copy of my credit report to reflect these changes within thirty ( 30 ) days. I'm never been late on these accounts : XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX. Also, I am the person making this complaint & I give cfpb authority to investigate this claim.
Product: Money transfer, virtual currency, or money service

I am running to formally express my concerns regarding to Zelles handling of disputes. Particularly in light of recent CFPBs lawsuits highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies. My financial institution and Zelle failed to investigate my claims adequately.
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 : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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: Money transfer, virtual currency, or money service

On XX/XX/2024, I attempted to cash a check I had just received from a customer. The check was from Bank of America, and I attempted to cash it at the Bank of America XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 

I came into the bank in my work uniform with my name tag on it, having just gotten out XXXX XXXX XXXX XXXX. I was sweaty and tired after a long day of work. Despite this, I was told after a lengthy wait that the check could not be verified. The check was for {$2000.00}. I asked why it couldn't be verified and was told they couldn't give me a reason. Instead, I was advised to either contact the issuer of the check or take it to my financial institution. 

I questioned how my bank could verify a Bank of America check better than Bank of America itself, but I received the same response : contact the issuer or deposit the check at my bank. This all occurred after they had marked, stamped, and written all over my check. 

I asked what policy had been violated or what issue prevented the check from being verified, but they refused to provide an answer. Instead, more employees gathered behind the glass, seemingly to intimidate me. 

I then told them that I had the customer 's phone number and offered to call her. They said they couldn't do that and repeated that there was nothing they could do. Once again, I asked what policy had been violated or what the issue was. They told me they didn't have to explain anything. I expressed my dissatisfaction, pointing out the lengthy wait and the lack of transparency in denying my request, and stated that something else was going on. They brushed it off with a dismissive " of course not, sir. '' I believe this is racism, plain and simple. Bank of America has a long history of racism and has faced multiple lawsuits. It's a real shame, as a veteran who was once forced into making an account there when I joined the service, to see this behavior. 

Additionally, the customer who issued the check is also upset about the discriminatory treatment I faced and plans to visit the branch herself to understand what happened. 

My father also experienced poor treatment at this bank, which prompted him to quickly pay off a car he financed with them due to their behavior.
Product: Payday loan, title loan, or personal loan

XXXX will not respond. I have emailed several times with no response. Title loan payments never was applied to my account therefore my car went into default, for the past 1 1/2 I have made several attempts to see if I could still repay the loan off even after it was charged off.
Product: Credit reporting

Experian has a PROBLEM with KEEPING OBSOLETE AND OUT-DATED MAILING AND PAST RESIDENTIAL ADDRESSES ON MY CREDIT REPORT! They claim they have gotten these addresses from " public records '', but decline to say what " public records '' they are! They have REFUSED TO REMOVE THE OUTDATED, AND OBSOLETE MAILING AND RESIDENTIAL ADDRESSES, ON MY CURRENT ANNUAL CREDIT REPORT!
Product: Credit reporting or other personal consumer reports

I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 

XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting

Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries listed below be REMOVED. 
- XXXX XXXX XXXX XXXX, 2015
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 XXXX XXXX XXXX XXXX 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 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 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

Acima sent me a settlement offer of {$290.00} to settle a debt. I called on the date of XXXX which is the last day to call and accept. I called and they won't honor the offer and they sold my debt. I think it is wrong for them to send me an offer and then sell my debt before the offer date. I want them to honor the debt, remove my collection from XXXX XXXX so this can be settled.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests in Equifax Credit Bureau, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These are the items that need to update or remove from my report immediately. 
XXXX XXXX Opened Date XX/XX/XXXX {$0.00} DEPT OFED/XXXX  Opened Date XX/XX/XXXX {$86000.00} XXXX XXXX XXXX , XXXX . Opened Date XX/XX/XXXX {$580.00}
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XXXX XXXX XXXX Account Number : XXXX Account Name XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name XXXX XXXXXXXX XXXX. 
Account XXXX : XXXX