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

I am filing 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: Credit reporting, credit repair services, or other personal consumer reports

Recently, I paid off my mortgage in full. The mortgage company informed Experian that my mortgage was paid in full. Several days later Experian sends me an alert indicating that my FICO score has decreased by XXXX points. My credit usage is at 4 percent and I have no credit cards or accounts in arrears. There is no reason for Experian to decrease my FICO score and yes they assign the FICO number, contrary to what they tell everyone. There is no way to address this issue with Experian. They are a predatory company that does whatever they want to with impunity. 
My resolution is for Experian to increase my FICO score by XXXX points which will give me a perfect score as I had before. 
Credit Bureaus should not act in this manner, paying off a mortgage is a positive aspect of one 's credit, not a negative aspect.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$610.00}, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$170.00}, XXXX XXXX Balance : {$490.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$310.00}, XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$490.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$780.00}, XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$1100.00}, XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$3400.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX.
Product: Debt collection

I pulled a copy of my consumer report and notified your agency on XX/XX/year> about some items I disputed. Care was NOT taken into this matter as it has yet to be resolved in a manner thats FAIR and EQUITTABLE to me, the consumer per the Fair Credit Reporting Act regulations. I mailed off my notice to your agency and you responded with the account being verified and currently remain on my credit report. 
I explained the violations your company committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent violating the permissible purpose section of the FCRA. This leads to way of identity theft, violating the block of information resulting from identity theft section, which leads to a violation of the civil liability section of the FCRA. I informed your agency of all of this in my previous notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that 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 belong 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 following items : XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$5900.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$1600.00}, XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX
Product: Checking or savings account

On : XX/XX/2021 my checking account was scammed/fraudulently of {$1000.00}. 
my bank info. : Fifth Third Bank Src Trac # Seg - Serial # - Date Posted - Amount - Description - A - XXXX - - XX/XX/2021 - {$780.00} - Sent XXXX XXXX ID XXXX XXXX XXXX XXXX XXXX - - XX/XX/2021 - {$210.00} - Sent XXXX XXXX ID XXXX As of present time and regardless of the many items of info. I furnished Fifth Third Bank ; including XXXX County Sheriff 's report ; I have not received any compensation or replacement of funds. Also, I NEVER used XXXX! The {$1000.00} stolen was used to buy XXXX gift cards under the name of XXXX XXXX. 
Thank You for your help.
Product: Money transfer, virtual currency, or money service

The owners of Zelle did not disclose when they first launched it that you needed to make sure the funds were going to the right recipient, this has caused major issues because there was not full transparency as to if you accidentally send money to the wrong person using Zelle that there is no way to reverse it. I feel as if consumers were scammed by Zelle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple disputes to XXXX, requesting they validate and verify accounts within my credit file. I sent a dispute on XX/XX/2018 requesting validation and verification persuant to the Fair Credit Report Act Federal Law 15 U.S.C. 1681. This law states that my credit file must contain 100 percent accurate information. There is no way to tell if the information within my file is accurate if I am not given evidence or verification of the accounts when requested. Sending a copy of an itemized bill IS NOT verification of a personal debt. Verification must be a contractual agreement between myself and the creditor furnishing the information to my credit file. XXXX repeatedly ignores federal law and has never provided me with such evidence of the validation or verification of the debts I have requested.
Product: Credit reporting or other personal consumer reports

I am writing to address some inconsistencies that I have identified in my personal credit report. These inaccuracies are having a significant impact on my financial standing, particularly in relation to my ability to own a home. While I understand that errors can occur, I have researched the dispute process and am aware of the required investigation time-frame of thirty days. The other bureaus have already removed these accounts from their records, following the submission of my FTC report citing the identification of an error. I am puzzled as to how these accounts were verified by your bureau while other bureaus have successfully removed them. Therefore, I request the immediate deletion of these accounts from my file as they are inaccurate, erroneous, incomplete, or unverifiable. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent proof over 5 times in the past 2 years showing I was a victim of identity theft still the accounts remain I asked the company to send me over verification and prove that I am on these accounts and I signed documents or contracts with these companies on XX/XX/year>. They did not do a proper investigation. They did not respond to my letter. 

I am a victim of identity theft I reported these accounts listed above many times its still on my Credit file Based on, 15u.s code 1681c-2 a consumer reporting agency shall block the reporting of any Information in file of a Consumer that the Consumer identifies as information that results from an alleged Identity theft. not later than 4 business days after the date of receipt. it has been 30 days and you are in VIOLATION of the law because I am a victim of Identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my Consumer report as they are in VIOLATION under 15 u.s code 1681b- permissible purpose of Consumer report ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a Consumer report under the following circumstances and no other. ( 2 ) in accordance with WRITTEN INSTRUCTION of the Consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my Consumer report which violates my rights as a federal protected Consumer. NO CONSENT IS IDENTITY THEFT. As a Consumer I am demanding the deletion of the accounts listed IMMEDIATELY XXXX XXXX XXXX
Product: Credit card or prepaid card

I opened a Discover Secured card back in XXXX of XXXX. It 's now XXXX of XXXX. They advertise that their secured card will become able to unsecure after 7 months, and tell you the same thing over the phone, however in the 16 months I 've had the card, the past 9 I 've been waiting for the card to unsecure. Keep in mind, the only time I made a late payment ( less than 30 days ) was in XX/XX/XXXX - When I lost my car and almost everything I owned in Hurricane XXXX. When I called the company they told me that there was nothing that they could do, no tips they could give, and that the only option I had was to cancel the account - Which would take almost three months to do. 

The reason I signed up for the card was because I was under the impression that it would eventually unsecure. Now I 'm stuck with a tiny, low-balance credit card that refuses to unsecure, and closing the account would probably tank my credit, as it 's one of my oldest cards. This is absolutely unacceptable ; Discover is basically holding my credit hostage after lying to me about the benefits of their card, and there 's nothing they will do to help, nor is there anything I can do. 

Do NOT get a secured card from Discover. They do n't give a XXXX about you, and will lie, lie, lie to get you on the hook.
Product: Credit reporting

I submited a written dispute to the credit bureau and they stated the creditor has verified the accuracy but they have not showed proof of verification. I also have paperwork showing that the information they verified is not true.
Product: Credit reporting or other personal consumer reports

I am requesting immediate removal of the following inquiries. I believe I am a victim of identity fraud and I submitted an FTC complaint. I did my research and determined these are fraudulent inquiries and do not belong to me as I never authorized them. I tried contacting the companies already and get no real help. These must be removed as soon as possible or I will take legal action. Thank you. 
Transunion XXXX XXXX ( Bank ) - XX/XX/year> XXXX XXXX  XXXX ( Bank ) - XX/XX/year>
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated.
Product: Checking or savings account

End of year XXXX  or Early XXXX. I noticed fraudulent charge on acct. Called acct XXXX  sent out new card. Wrong address. Called, XXXX  not froze card after scammer activated my card. Called now almost 3 weeks to get them to change email to access my acct. To no avail. XX/XX/XXXXXXXX  last day I called
Product: Mortgage

I went on a XXXX based forbearance in approximately XXXX of XXXX. Shellpoint was great and immediately suspended payments. In XX/XX/XXXX, I called up Shellpoint and notified them that I was ready to start making payments back. On XX/XX/XXXX, I received the " partial claim '' package. In XXXX, I had everything signed and my " single point of Contact '' told me that my first payment would be XX/XX/XXXX. First week of XXXX, I made my first payment. I checked my credit report that week because I was getting solar for the house. Well my score had dropped XXXX points because Shellpoint had reported me 30 days late in XXXX. I do not know how I could be late when they were drawing up the partial claim paperwork that month. Now I can not get solar due to " credit issues ''
Product: Credit card or prepaid card

On XX/XX/XXXX, I have disputed two transactions totaling {$130.00} ( {$84.00} and {$48.00} ) on my credit card account ending in XXXX that were processed through the website XXXX on XX/XX/XXXX and XX/XX/XXXX. 
The transactions in question are coded in Bank of America provided statements as follows:XXXX XXXX  XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX . XXXX The creditor ( Bank of America ) has failed to acknowledge the dispute, but kept sending unable to process inquiry letters despite the fact I have timely disputed both transactions ( within 60 days ) as prescribed by the Fair Credit Billing Act. 
I repeatedly asked the creditor ( Bank of America ) to contact the merchant, the website XXXX to provide a documentary evidence for both charges ( {$81.00} and {$46.00} ), The creditor ( Bank of America ) has failed in timely manner to either give me a temporary credit or provide me with documentary evidence to verify the charges to my cards as required by the Fair Credit Billing Act. 15 U.S. Code 1666. Correction of billing errors. 
It appears that the creditor ( Bank of America ) either negligently or intentionally allowed to expire the timeframe to request supporting documentation from the merchant. Bank of America has failed to contact the merchant attempting to resolve this dispute within the timeframe. As of this writing, you have not provided me with any communication received from the merchant indicative of merchants position concerning the charge dispute. The federal law, the Fair Credit Billing Act, provides a remedy for the consumers under outlined in Section 1666 ( e ), as follows : Effect of noncompliance with requirements by creditor - Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor.
Product: Checking or savings account

I received my federal tax returns {$3600.00} and credit karma had placed a freeze on my account and when I called they say to me is I have to wait for a email for further instructions, I now have a total of XXXX case numbers with them it has been approximately XXXX weeks since situation occurred. I have also ched with XXXX, XXXX, XXXX  and all three I have no holds or freeze or Locks.
Product: Debt collection

I looked at my credit report and noticed a collection account listed from Head of Mecanticle Co with the amount of {$910.00}. I do not remember this debt taking place. I never recieved any email or letter ins the mail in regard to this debt. I would have never have allowed it to go to collections if I had known about it. I am trying to apply for an apartment and am not able to get it due to this collection account.
Product: Checking or savings account

Someone opened a Bank of America account in my name. The account was closed by BoA for fraudulent activity and I asked for an investigation for identity theft. I don't want this fraudulent activity to show up on my reports and prevent me from opening a bank account myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX XXXX and again, I am reporting incorrect account information on All three of my credit reports with TU, XXXX and XXXX. 
There are three trade accounts, which have been opened without my acknowledgement and are fraudulent. I have taken the liberty of contacting the Federal Trade Commission and am ready to take action against the agencies that continue to list these three account under my name without valid proof. 
This is not the first time I have been in contact with these agencies about this. 
I am requesting that effective, immediately all three of the below mentioned accounts be removed and deleted from my credit record - without delay! 

XXXX XXXX XXXX XXXX Opened XX/XX/XXXX. Bal of : {$22000.00} XXXX XXXX XXXX Opened XX/XX/XXXX. Bal of : {$9100.00} XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX. Bal of : {$480.00} I have been in continuous contact with all three bureaus and have received no assistance with these complaints. They have advised me that they will not removed the entries and have stated that they will NOT instigate or provide assistance, Even hung up the phone on me. I believe this fraud is actively knows with the bureaus and they too receive some sort of financial aid in playing a part of reporting items that they known to be fraudulent!
Product: Credit card

I am writing to follow up on my complaint to the CFPB # XXXX regarding the inaccurate credit card balance reporting on my accounts ending in XXXX and XXXX. I am disappointed that your response to the CFPB did not address the specific allegations made in my complaint. 
You claim that the information you have on file correlates to what has been reported to the credit reporting agencies ( CRAs ). However, this is not true. The CRAs are reporting inaccurate balances that do not match any of my account statements. For example, my account ending in XXXX currently has a {$0.00} balance and an XX/XX/XXXX statement balance of {$190.00}, but the CRAs are reporting a balance of {$10000.00} as of XX/XX/XXXX. Please provide the statement with this balance or the source of this reported balance. 
Furthermore, Instead of updating the older account ( Date Opened XX/XX/XXXX ) ending in XXXX which reports the higher amount ( {$10000.00} ) which by default has the larger impact on my credit utilization and score, Upgrade Inc has decided to only update the balance on the youngest of the cards with smaller limit ending in XXXX ( Date Opened XX/XX/XXXX ) from {$3200.00} updated on XX/XX/XXXX to a balance of {$2200.00} updated on XX/XX/XXXX. 
I have disputed the incorrect reporting multiple times, but the CRAs often just verify the inaccurate information as reported by Upgrade Inc . This violates 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires the CRAs to conduct a reasonable investigation when a consumer disputes the completeness or accuracy of information in their credit file. 
Despite my providing Upgrade Inc. with my own account statements showing the correct lower balances, you have failed to correct the information you furnish to the CRAs, in violation of your obligations under 15 U.S.C. 1681s-2 ( b ). You and the CRAs have continued to shift responsibility back and forth, leaving these inaccuracies unresolved. 
I am requesting that you immediately correct the inaccurate credit card balance reporting on my accounts. I am also requesting that you provide me with a written explanation of why this problem occurred in the first place, and what steps you are taking to prevent it from happening again. 
I look forward to your prompt response. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convergent accounts, XXXX XXXX XXXX  account number XXXX, and XXXX XXXX account number XXXX, XXXX XXXX XXXX accounts XXXX, XXXX, US Dept of Ed/XXXX  account XXXX XXXX, State of MI. Office XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX, XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX. account number XXXX, and -account number XXXX has violated my right XXXX under Article 15 USC 1681 section 602 ,8 I have a right to privacy and 15USC 1681 section 604a.section 2pPermissible purpose of consumer reports can not furnish my report without my written instructions, and 15 USC code1692c. can not communicate with debtor 's the I was not aware of these debts until I accessed my credit report and dealing with identity theft and being denied housing because of this negative entries on my report I had know knowledge of and I ask credit bureau to remove these items several times and they refunded and didn't to a proper investiga tion.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> my Experian account was fraudulently accessed, Experian 's system allowed a thief to change my email, phone and password associated with my personal account, exposing my credit and personal financial information without my permission. This occurred while my account has a 7-year fraud alert. On being told Experian needed time to investigate, I requested a temporary freeze on my account to prevent further malicious access and potential ability for this thief to remove the credit freeze on my account. After speaking with many representatives and spending many hours, I was told my information could not be protected.
Product: Credit reporting

Equifax is reporting a Bankruptcy on my file in which i have no knowledge of. Ive explained this over the phone, fax, and through mail. XXXX does not care at all, I dont believe they are even investigating the situation, all I get is the same generated email, that seems to be sent to everyone.
Product: Debt collection

I was contacted my someone who claims they are a legal department and are investigating me for fraud on a 5 year old payday loan debt that the initial lender has sold. 
I was accused of check fraud and yelled at for questioning that. 
I was accused of purposely taking the money and running! His words to be exact. 
He sounded very upset and hung up on me when I tried to speak for myself. 
Theyve called my mother and my wife continuously as well. 
Ive never received a single document or validation letter of ownership of this debt and nothing shows up on my credit report. 
The company identified as XXXX phone number XXXX reference case XXXX XXXXXXXX
Product: Credit card

Bank of America has repeatedly refused to accept my on time payments without explanation. After explaining this matter to countless representatives, I was repeatedly assured that the mistake was exclusively that of Bank of America 's and that I was, in fact, do a refund. To date, that refund has not been posted. All of the returned payments included the full and correct account number. There is no excuse for BoA 's unlawful conduct.
Product: Checking or savings account

citizens bank is manipulating charges to charges overdraft and sending my credit payment back that was there before the fees this happen on XX/XX/year>