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 u fair practices which violate the comsumer financial protection act to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore there dispute resolution was unfair and deceptive and they did not comply with error resolution requirements under the electronic fund transfer act and regulation E. These actions have cause significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

Here is a copy of the email I just sent to customer support at 1800Loanmart.com : Hello, Im writing because my disputes thru credit bureau didnt respond as I was hoping. I settled my account ending in * XXXX on XX/XX/23, by paying the agreed upon XXXX XXXX and was told settlement papers were being emailed to me, by XXXX. She called back and said she couldnt get through my email and was sending the papers through the mail. A few weeks later, the same person called back and said she forgot that she said she would send thru the mail and that she would do it that day. I have not received any paperwork as agreed, and my loan Amount is now acruing interest again, hurting my credit! Im very upset about this, as nothing has occurred that was in our verbal agreement to settle this case. My remaining interest was supposed to be erased and the account deleted off my credit reports. Please respond to my request to fix this immediately, as I Am filing a complaint with the consumer credit bureau as well to make sure its addressed. My phone number is XXXX, and my address is XXXX XXXX XXXX XXXX XXXX CA XXXX, United States. 

Please get ahold of me ASAP. Thank you. 

XXXX XXXX
Product: Credit reporting

I 'm a victim of identity theft and the company reporting this account is not complying with the FCRA. They have not removed the account or provided any documentation to prove this even belongs to me. US AUTO FINANCE account # XXXX. They are apparently based XXXX, and I live XXXX! I do n't care whether they repo the car or put out an XXXX on the plate # s! I do n't have this car, I did n't open the account, I was never in that dealership, it does n't belong to me! At least XXXX people ( salesman, finance manager and title clerk ) saw the person with the ID and had to have noticed that it was n't me! My car had been broken into years ago and everything was stolen from my car. I did originally make a police report in regards to my vehicle theft. This account needs to be closed and removed from my credit file immediately!
Product: Credit reporting or other personal consumer reports

CREDIT REPORT DISPUTE LETTER XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX TransUnion LLC Consumer Dispute Center po box XXXX XXXX, PA XXXX To Whom It May Concern : I am writing this letter to Dispute certain information that is falsely listed on the credit report listed above.The inaccurate information that appears on my credit report is as follows : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX Opened : XXXX, XXXX, XXXX Amount : {$1000.00} Account Type : Education Direct Loans XXXX XXXX XXXX, IOWA XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX Amount : {$2000.00} Account Type : Education Direct Loans XXXX XXXX XXXX, IOWA XXXX, IA, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I TRIED TO DISPUTE THE 2 COLLECTION ACCOUNTS THAT DON'T NOT BELONG TO ME AND GOT NO RESPONSE
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX XXXX ; Experian ; XXXX ; XXXX ; I was shocked when I reviewed my credit report and I still found multiple inaccuracies on the credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.

I'm quite not what's going on, but I can tell you that this account doesn't belong to me, and also it continues to report incomplete, and multiple inaccuracies on my credit report. It's my understanding that once an account is in charge-off status, it can not continue to report any more payment activity as XXXX days late or a C/O. For example, the dates of XXXX delinquency, dates of last active, etc are all incorrect, and with multiple inaccuracies. Still continue to report multiple inaccuracies and incomplete, unverifiable info! Different dates of XXXX, XXXX, XXXX, questionable balance, and inconsistent payment history and payment status. Delete for still multiple inaccuracies. DELETE!!! 

" CFPB Released a recent report detailing deficiencies of the XXXX major credit reporting agencies : XXXX, Experian, and XXXX relied heavily on template complaint responses instead of providing meaningful and thorough responses to consumers, despite having up to 60 calendar days to respond. ''
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 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 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

For over 24 months i have been disputing the completeness and accuracy of the accounts listed below which is inaccurately reporting on my credit file in a very negative manner. 

Yet the CRA fail to provide information requested, failed to correct, and failed to delete and remove the disputed accounts. 
Please include me in your class action claim against this company ; See the numerous disputed submitted as proof. 

the disputed inaccurate accounts are ; XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX # XXXX
Product: Payday loan, title loan, or personal loan

Good Afternoon, I have an overdraft line of credit with Santander Bank US. In the past year, I have been charged fees, always in the amount of {$50.00}, totaling about {$400.00}. When I called the bank to ask for an explanation, they claimed that the most recent fee was an annual fee and claimed to have no record of the previous fees ( which I've already paid ). 
I'm just trying to get a reasonable explanation. These fees can not be late fees, because they all exceed the amount that I owed each month on the account. 
Please help! 
Thank you. 
Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

Ive tried contacting the company several times through mail and CFPB and nothing gets rectified. They say theyve done a full investigation and put the same incorrect numbers on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chapter XXXX Bankruptcy XX/XX/XXXX XXXX  XXXX XXXX XXXX {$2800.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX {$2500.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX {$17000.00} XX/XX/XXXX XXXX XXXX XXXX   {$28000.00} XX/XX/XXXX XXXX XXXX - XXXX   {$570.00} XX/XX/XXXX XXXX XXXX   XXXX {$450.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1300.00} XX/XX/XXXX XXXX
Product: Debt collection

Wakefield and associates XXXX reported to XXXX XXXX XXXX and XXXX Sent Id theft report along with police report XX/XX/2021 2021
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdrafts fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transaction were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the cupboard which similar practices by navy federal credit union, where transactions settle with insufficient balance despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

SEEMS EXPERIAN IS UP TO THEIR OLD TRICKS AGAIN BY PUTTING FALSE STATEMENTS, FREEZES AND ALERTS ON MY CREDIT REPORT. 

THEY PUT THIS ON MY FILE WITHOUT MY PERMISSION AND I AM DEMANDING THAT IT BE REMOVED IMMEDIATELY. I DID NOT AUTHORIZE THEM TO PUT THIS ON MY REPORT AND IT BETTER BE REMOVED IMMEDIATELY. 

Statements Personal Statement ( s ) 26 & XX/XX/XXXX XXXX ID  SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XX/XX/XXXX. 

LIARS IS WHAT THIS GROUP OF PEOPLE ARE. FICTIOUS LIARS THAT ABUSE PEOPLES FILES.
Product: Money transfer, virtual currency, or money service

I am finally a complaint against Cash App ( blockinc ) due to inadequate customer service and unfair practices which violate the consumer financial protection act specifically Cash App failed to take and effective measures to prevent fraud on their platform leaving my account vulnerable and unprotected furthermore their dispute process was unfair and deceptive as they did not comply with error resolutions under the electronic transfer fund act and regulation E these actions have caused significant inconveniences and financial loss and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had erroneous reports on an account that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for this account : XXXX XXXX XXXX XXXX  Balance : {$7100.00}
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX  Balance : {$4700.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX Account # : XXXX Account name : XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX Account # : XXXX has violated my rights I looked at my Transunion credit report on XX/XX/XXXX  and noticed some things are incomplete and not accurate. And according to the Fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) treatment of inaccurate or unverifiable information. 
( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information if found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate based on the results of the reinvestigation and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any 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

I reside in the state of Texas and have lived in Texas my entire life. 
On XX/XX/2023 I received a notification about a new account that was opened through Credit Karma and XXXX. In early XX/XX/2023 my wallet was stolen. Inside my wallet was my drivers license and social security card, along with other identifying information. I contacted XXXX and inquired on the new account and was informed that it was a bank account along with a " secured '' credit card. The account was opened and created in the state of North Carolina. 
I contacted the bank and advised them that my identity had been stolen and that I live in the state of Texas, not in North Carolina. The company informed me that they would close the account, which they never did. 
I have disputed this account through XXXX three times and have submitted police reports from Texas and North Carolina, FTC Report ( FTC Report Number : XXXX ), IRS Identity Theft Affidavit ( XXXX XXXX XXXX ), along with my personal identifying information and they persist that the account was verified and belongs to me, which it doesn't. 
I am a victim of identity theft. This is an on going investigation. For more information on the police report, please contact XXXX XXXX XXXX Department in North Carolina at ( XXXX ) XXXX, speak to Detective XXXX XXXX at ( XXXX ) XXXX, reference Case # XXXX. You can also contact XXXX Police Department in XXXX Texas, speak to XXXX XXXX at ( XXXX ) XXXX, reference Case # XXXX ( identity theft ) and Case # XXXX ( stolen property ). 
I am pleading for some additional assistance with this matter. This bank account does not belong to me and never has. I have lived in Texas my entire life. My identity has been stolen and the people using my information live in North Carolina and have used my information before to reside in three different addresses and XXXX has not verified the information before and simply adds the information. They have also used my information to obtain a phone through XXXX XXXX, which is also being disputed. Please help!
Product: Credit reporting or other personal consumer reports

All three credit bureaus, XXXX XXXX, XXXX and Experian have failed to change XXXX account balance to XXXX. Pain in full. I have requested that XXXX send updated information to which they have refused. My loans were transferred to XXXX and now XXXX and XXXX are reporting a balance of XXXX a total of XXXX. I only owe XXXX.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Experian and XXXX will investigate this account for me to ensure accuracy Here is the account i am asking you to verify as accurate. 


Name : XXXX Account # : XXXX
Product: Debt collection

XXXX collection services inc keeps putting a collection account from XXXX from XXXX on my credit report. I do not owe this debt. XXXX owned the debt and removed it XXXX XXXX. Stating they do not have record of me ever having a XXXX account. 

XXXX never sent debt verification letters and XXXX does not have the right to collect under the claim of Minnesota Fair Debt Collection Practices Act XXXX LICENSING AND REGISTRATION. 

Subdivision XXXX. Requirement. Except as otherwise provided in this chapter, no person shall conduct within this state a collection agency or engage within this state in the business of collecting claims for others as defined in sections XXXX to XXXX, without having first applied for and obtained a collection agency license. A person acting under the authority of a collection agency, as a collector, must first register with the commissioner under this section. A registered collector may use XXXX additional assumed name only if the assumed name is registered with and approved by the commissioner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belongs to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$920.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$330.00} ; XXXX XXXX XXXX Owed : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX NA XX/XX/XXXX ; XXXX XXXX NA XX/XX/XXXX ; XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$910.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX, XXXX ; XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed XXXX {$920.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was nothing to explain further I have been sending letters to XXXX  and Equifax and I have repeated myself over and over again. The accounts don't belong to me,. I know this is an error and I ask you to please DELETE THE FRAUDULENT ACCOUNTS ... XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX
Product: Debt collection

Good afternoon, My complaint is against Receivables Performance. I have a debt with XXXX which was {$1900.00}. I have the debt due to switching providers. However, the new provider was suppose to pay the phones off. Because of the time of waiting for phones to be paid by the new provider, I am assuming that XXXX sent this collection to Receivables Performance. I did have contact with RP, and I spoke with them about waiting for the new provider to pay off the debt or the phones owed. Because the process was delayed, I agreed to set up payment arrangements in XX/XX/XXXX and XX/XX/2018 for {$200.00}. The first payment was successful, and the XX/XX/XXXXpayment was changed to XX/XX/XXXX, which was also successful. However, during that time of the last payment arrangement, Receivables Performance sent a derogatory remark to XXXX, which took my credit down. I called RP, and asked them why since I did send two payments. In the midst of the conversation, the Supervisor XXXX explained that I was late and changed payments. I told him that I only changed one payment and that was for XX/XX/XXXX. However, I found out that Receivables Performance is not licensed in the state of North Carolina to ask for me to pay them this debt. I spoke with them about this, and each time they will hang up. The last conversation I had with a supervisor, she lied on the phone about me calling and having a conversation with them on XX/XX/XXXX and eventually she hung up as well. Because this collection agency is not licensed to collect a debt for the state of North Carolina, I believe that they should delete and remove this derogatory remark off my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I had received notifications from each credit reporting agencies as well as other vendors such as a bank, XXXX XXXX and XXXX XXXX, to just name a few, regarding the significant decline ( > 40 ) of my credit scores. 

I had contacted XXXX  ( student loan lender ) on XX/XX/XXXX and XX/XX/2020, regarding the decline of my credit scores, and the comment that a remark has been removed from my credit reports caused the decline. I was informed that all of my accounts are in good standing and a few of my loans are currently in forbearance due to COVI- 19, and I have a couple of accounts are in a grace period. I was informed to contact the credit reporting agencies because it is the credit reporting agencies who has the ability to make a decision regarding my credit scores. I had informed the representatives that I had contacted the reporting agencies and I was informed to contact XXXX. I had requested for this matter to be investigated but was told that noting can not be done because all of the accounts are in good standing and this is has been reported to the reporting agency. After expressing the concerns I have and the request for XXXX  to advocate on my behalf, I was than informed that I can only make a complaint via writing a letter and sending supporting documents to XXXX  compliant departments. 

XXXX  submitted a dispute on one account but I was told that I can not dispute the other accounts due to the fact that all accounts are in good standing, but I was informed to contact XXXX  regarding my concerns. Equfax provided the same recommendation but I was informed to contact XXXX and the Board of Education. I contacted the Board of Education and was informed to contact the reporting agencies and XXXX. Each party stated that my credit scores should have not declined so significantly, as all of my accounts are in good standing and are either in forbearance or in a grace period. 

Since I was told that I could not submit dispute regarding my credit scores because of the reason above, I did not move forward to dispute with XXXX. For XXXX, there is no option to dispute my credit scores. 

I have made attempts to resolve my concerns but have been recommended to call each parties, with no solution. 

Thank you for your time and patience to assist me in this matter.