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

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer 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: Payday loan, title loan, or personal loan

Regional Finance sent me a loan in the mail. They failed to inform me of my right to rescission pursuant to 15 USC 1635 ( a ).
Product: Credit reporting or other personal consumer reports

XXXX reported a hard inquiry on XX/XX/23 from JPMCB so I called to have it removed. A XXXX representative informed me that it would only be removed if JPMCB sent documentation to support its removal. I contacted JPMCB to inform them of the fraudulent activity. They acknowledged/confirmed the fraudulent attempt to open a credit card in my name. Then I was told by a representative in the JPMCB fraud department that they would send documents to XXXX and it could take up to 90 days before being removed. I called XXXX today to follow up and they told me they never received anything from JPMCB. It has been more than 90 days.
Product: Debt collection

I have previously disputed with the credit bureau and have not received validation of debt
Product: Debt collection

I received an odd notification from my credit monitoring company stating that EOS CCA reported a collection. I'm upset because EOS CCA is reporting incorrect information on my credit report. Before they falsely reported on my credit report, I never received a letter or a phone call from them. I sent them a debt validation letter last month, but I never received a response. My credit report shows that this account has been open since XX/XX/2016, but I had no collections on my report prior to that date. Also, since reporting in collection, the collection amount has increased. On my credit report, EOS CCA is falsely reporting a collection.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX 's Summit, MO XXXX XXXX Formal declaration dated : XX/XX/XXXX Formal Notice : Refusal to pay a debt. 
Reason : Identity Theft, Account isn't mine. 
Notice : Under 15 USC 1692cc Regarding Accounts : # XXXX ( Auto loan ) ( XXXX ) and any other associated account. 

Dear XXXX, I, XXXX XXXX XXXX XXXX declare my refusal to pay, exercising my right under US law XXXX specifically 15 USC 1692cc . Despite multiple notifications and formal declarations, XXXX XXXX Bank XXXX XXXX persistently reports fraudulent account activities associated with my identity. Accounts starting with numbers # XXXX, erroneously linked to me, remain on your records despite originating in XXXX. I discovered these discrepancies in XX/XX/XXXX. 

I demand an immediate cessation of all communications and reporting regarding these fraudulent accounts in accordance with the Fair Credit Reporting Act ( FCRA ), particularly violations under sections 1681 i a-5 and 1681 e-b. Furthermore, I remind you of the provisions outlined in 15 USC 1692cc of the Fair Debt Collection Practices Act ( FDCPA ), which mandate the termination of communication upon notification of refusal to pay a debt, including reporting to any credit bureaus. 

Additionally, I implore XXXX XXXX Bank XXXX XXXX to comply with 15 U.S.C. 1681c-2 by implementing measures to block information resulting from identity theft. Furthermore, an examination of late payments under 15 U.S.C. 1681a ( 2 ) ( 1 ) exclusions and verification of permissible purposes under 15 U.S.C. 1681b are urgently requested. 

Failure to adhere to these demands will result in further legal action. Please acknowledge receipt of this notice promptly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX. 
Kansas XXXX MO XXXX Email : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm submitting this complaint personally regarding late payments on my credit report. Upon inspection, I discovered these entries. I've sent inquiries over a month ago but have received no response or adequate verification. I'm seeking your help to address this issue quickly.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have identified several unauthorized accounts that have negatively impacted my creditworthiness. I really disappointed, who are you to know if Ive been a victim or not? You have XXXX authority or legal position to make this claim. I strongly believe that these accounts are the result of identity theft and require immediate attention and resolution. I want to clarify that I have not initiated or authorized these accounts in any way. These accounts have been fraudulently opened without my consent or knowledge. To address this issue, I have taken the necessary steps to report the suspected identity theft to the relevant authorities, including filing a reports. I have also attached a copy of the Identity Theft Report filed with the FTC for your reference. 

I kindly request that you conduct a thorough investigation into the validity of these accounts and take the appropriate actions to remove them from my credit report as they are not the result of any legitimate transaction or credit application made by me. 

The following are the specific accounts in question : 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

I am writing to formally lodge a complaint against Equifax for knowingly reporting fraudulent accounts on my credit report, specifically accounts with XXXX ( XXXX ). Despite my repeated attempts to resolve this issue and providing Equifax with documentation from XXXX XXXX  confirming that these accounts are not mine, Equifax has refused to remove the fraudulent accounts from my credit report. 

I have attached copies of the documents from XXXX XXXX, which clearly state that the accounts in question do not belong to me. Equifax 's refusal to remove these accounts constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically under Section XXXX ( 15 U.S. Code 1681i ), which requires credit reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information on their credit report. 

Equifax 's actions have caused significant harm to my credit standing and have prevented me from accessing credit and financial services. Moreover, their failure to comply with XXXX XXXX compliance guidelines, which are their own industry standards for accurate credit reporting, further exacerbates the issue. 

As a victim of identity theft and a concerned consumer, I am deeply troubled by Equifax 's repeated failures to uphold their legal obligations and protect consumers ' financial information. This is not an isolated incident ; Equifax has a well-documented history of data breaches and other wrongdoings that have affected millions of consumers. It is imperative that Equifax be held accountable for their actions and that stringent measures be taken to ensure they comply with all applicable laws and regulations. 

I am requesting the following actions : Immediate removal of the fraudulent XXXX ( XXXX ) accounts from my credit report. 
XXXX that these accounts will not reappear on my credit file in the future. 
Appropriate penalties and sanctions against Equifax for their repeated violations of the FCRA. 
A thorough investigation into Equifax 's compliance with XXXX XXXX guidelines and other relevant regulations. 
Consideration of more severe actions, including the potential shutdown of Equifax, to protect consumers from future harm. 
I trust that the CFPB will take swift and decisive action to address this matter and hold Equifax accountable for their egregious conduct. Please confirm receipt of this complaint and keep me informed of any developments regarding this case.
Product: Money transfer, virtual currency, or money service

I paid {$5000.00} into the persons account at M & T for car purchase since XX/XX/2020, till date my car wasnt delivered, either was my money refunded since then till date I keep calling no response, Im just been ignored I call everyday, text Nothing changed ... The person name is XXXX XXXX with account number XXXX M & T bank, phone number XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( 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 4 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.

The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX XXXX Account Number : XXXX Update to Open/Never late 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The fraudulent company XXXX and XXXX XXXX coaching kept pressuring me to sign up for their coaching. I told their reps that I did not have money to sign up. They promised XXXX on XXXX coaching calls. That a coach would call me weekly. No one ever called. This began XXXX. After waiting for coaches to contact me and they never did, I called to cancel due to them not delivering on promised services. The rep would not cancel after repeated requests to cancel services due to the companys failure to render services as promised. The rep named XXXX tells me I need to pay {$640.00} for services not rendered to cancel. I told her I would not pay money for something I did not use. I hung up after repeatedly asking for cancellation and getting mo where. This companys practices are fraudulent. They have sold this account to a debt company XXXX XXXX claiming I owe {$3200.00}. I do not owe this company or any other company. I have requested a dispute with XXXX twice. They are not doing anything and claiming the information is accurate when it is not accurate. I do not owe this debt with XXXX XXXX. I will retain legal counsel if this matter is not resolved. This is ridiculous! I am not paying this fraudulent debt!
Product: Payday loan, title loan, personal loan, or advance loan

I received a loan from netcredit.com for the amount of {$4200.00} XXXX to help pay off another loan from XXXX for the amount {$2900.00} on XXXX. The amount was fine but I was not told that I would being paying these statement change over fees which are simply interest to get around state law. It was oversight on my part. I'm a XXXX XXXX  living in florida and XXXX XXXX XXXX So my income I get is what I get.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ; The Vendors/accounts listed below have violated my federally protected rights to privacy under 15 USC 1681 1 ) XXXX  XXXX XXXX ( account beginning with XXXX ) 2 ) XXXX XXXX ( account beginning with XXXX ) XXXX ) Republic Finance ( account beginning with XXXX ) 15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A subsection 2 states that any company can not furnish information without my written instructions. 

15 USC 1681c ( a ) ( 5 ) states that any consumer reporting agency may not report any adverse or negative items other that criminal convictions of crimes which predates the report by more than 7 years.
Product: Credit reporting or other personal consumer reports

I have identified unverifiable, invalidated, inaccurate, and questionable items on my credit report that your agency has failed to ensure are reported accurately. 

Under the Fair Credit Reporting Act, all information on my credit report must be reported with 100 % accuracy. The accounts in question violate FCRA regulations, specifically under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), which mandate complete accuracy in reporting.

Attached are copies of all correspondence previously sent regarding this matter. I request that you promptly remove all inaccurate information from my credit report as required by law.
Product: Mortgage

On XXXX XXXX, 2013, in their correspondence to me, Bank of America stated my home loan mortgage account had been reinstated without any additional information, explanation, or reference whatsoever before and after this representation. When I made inquiries about the reinstatement I got the runaround an the then assigned single point of contact did n't know either and failed to seek out an answer to provide to me. I have not received any response or explanation to the XXXX 2013 loan reinstatement to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means XXXX, XXXX and TransUnion have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; ACCOUNTS : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$350.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5700.00}, XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$36000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$260.00}, XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$2700.00}
Product: Mortgage

CARRINGTON MORTGAGE is constantly changing my regular monthly payments one minute {$490.00} is due then its INFLATED to {$830.00} and on the internet only {$270.00} is due I pay {$640.00} and for the month of XXXX {$150.00} is due then I receive {$700.00} is due with a past due of {$150.00} how can {$150.00} be overdue when only {$270.00} was due and I paid WELL OVER {$270.00}? They never addressed my 1st complaint about lawyer fees that was added to my account AFTER we closed nothing in the contracts mentioned about attorney fees CARRINGTON MORTGAGE IS A TERRIBLE COMPANY I have NEVER SEEN A MORTGAGE COMPANY that constantly change payments for their customers CARRINGTON MORTGAGE COMPANY IS CURRENTLY UNDER INVESTIGATION WITH THE CFPB I BEG THAT THIS COMPLAINT BE ADDED TOO MY TRIAL PAYMENTS WERE NOT applied to the loan my escrow is only {$1900.00} from my math over {$3000.00} has gone to the escrow and they are still collecting My hard earned money is being EXTORTED BY CARRINGTON MORTGAGE XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to my bank to get a loan for XXXX school and was declined. I have been with XXXX XXXX for 10 years and they still denied me because of items on my credit that are not mine. Im asking that you remove those items. This is holding me up from getting a loan for school. XXXX XXXX, The XXXX XXXX XXXX XXXX, XXXX XXXX ( its two of those ), XXXX XXXX   and XXXX XXXX. I also saw some addresses that I have never lived at. My only address is XXXX XXXX XXXX, XXXX NY XXXX. Please also remove these addresses as they are not XXXX XXXX XXXX, XXXX , SC XXXXXXXX,XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX-XXXX,XXXX XXXX XXXX , XXXX, GA XXXX. There is also a bankruptcy showing on my credit and Im not sure how that is possible, I have never filed for bankruptcy. My family dont believe in unpaid debts. Please have this bankruptcy removed as well. I spoke with US Bankruptcy court and they do not show a record of bankruptcy under my social. The Bankruptcy attorney advised me to contact XXXX XXXX and they also verified that I do not have a bankruptcy. I'm doing this on my own behalf and need your assistance if possible. I have also contacted the police here in XXXX and the FTC.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I was alerted via credit monitoring ( XXXX ) that a Navy Federal Credit card account was reported to my credit report with the name XXXX XXXX XXXX XXXX They are reporting an inaccurate address that I've never been associated with that is connected to the fraud claim : XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX. 

I HAVE A 7 YEAR FRAUD ALERT AND CREDIT FREEZE ON ALL XXXX CREDIT REPORTS. THE INACCURATE NAME AND MULTIPLE ACCOUNTS BELONGING TO THAT NAME CONTINUE TO POPULATE ON MY CREDIT REPORTS. 

I have never been associated with that name. My credit file has been merged due to identity theft dating back to XXXX. My credit file has been in the Special Handling Department of XXXX as well as XXXX and XXXX due to accounts being reported to my credit report with account owners that have a similar name. 
The account is reporting a late payment also that has prevented me from moving and I am facing homelessness. I'VE NEVER HAD A NAVY FEDERAL CREDIT CARD ACCOUNT. 

Navy federal customer service and supervisors have not aided in resolving this issue. I asked for a corporate contact to file a complaint and I was told that one does not exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

Republic Finance -S has violated my right with extremely inaccurate reporting. They claim the account is in charge off after the closing date which none of the 3 bureaus are reporting. they are reporting inaccurate and scattered payments and charge off. the last activity is either missing or different for all bureaus. payment status is incorrect and different with all bureaus of missing information. How is this possible? I've tried to dispute but no one cares. These are grounds for removal. if they don't report the exact same information it has to be removed They also violated my rights under 15 usc 1681s-2 / 15usc 1681 section 602 A / 15 usc 1681 section 604 A section 2
Product: Mortgage

In XX/XX/2015, I submitted paperwork for a short sale offer on my home, this would be my XXXX time submitting an offer due to the XXXX XXXX offers being declined because the amount offered was not sufficient according to the mortgage comapny, and due to the mortgage company taking unril XX/XX/2015 to approve the short sale offer of XXXX, the buyer backed out of the deal. So on XX/XX/2015, I contacted the company and advised them to close the sale out and also advised them that my agent and I had found another buyer who agreed to the same terms, and everything on the HUD documentation and the proof of purchase and my agent sent it to the mortgage comapny on XXXX XXXX. I contacted the mortgage company on XXXX, XXXX and the old short sale offer is still not closed and now they have had my new paperwork for the new buyer since XXXX XXXX, and it has not even been looked at or reviewed. My home has been appraised XXXX times and its solely because they take so long with the process that it causes them to expire. And for the appraisal to expire it takes 90 days. Someone at the company is dropping the ball and may be costing me a chance to get out of this home and close this deal. I was advised that it only takes XXXX business days to close out an old short sale offer by an agent. So why has my XXXX short sale offer not been closed? If they had done that, then on XXXX XXXX, my appraisal would not be expiring, but now it is. I really think I am being mistreated because of my inability to pay.
Product: Debt collection

this Company is reporting a high lease payment that is inaccurrate. the balance is wrong. it shows 4 charge offs.FCRA states a charge off can not report to a credit bureau if its closed. it is also reporting late payments. the payment history is incorrect. the credit limit is not right. this account has been disputed many times. creditor always says it is verified or accurrate. they never provide proof of any contracts or signatures. I hope you all can help me resolve this matter. 

Thank you.
Product: Credit reporting or other personal consumer reports

FCRA violations : inquiries not mine 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 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 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