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 violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, Their dispute resolution process was unfair and deceptive, as the did comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and regulations E. These action have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Received notice that XXXX XXXX XXXX NY XXXX NJ had XXXX violations for {$8.00} each. I have had XXXX Pass for over 10 years with auto payment on my CC. I have NOT received any violation notices XXXX in YEARS as I take the bus into NY every day AND my XXXX pass is on Autopay. If I had received any violation, I would have filled out the bottom to show I have an active XXXX Pass account. 

I have called Alliance One to get copies of these violations. No response at ALL. Alliance One is charging a {$50.00} fee per violation. Now there is a {$110.00} bill for something that is Autopay and I got no notices of violations in YEARS. I want copies of these violations NOT just numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over XXXX days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated XXXX XXXX ( a ) b ) by failing to mark this disputed account as disputed XXXX ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating XXXX  XXXX per the XXXX opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I filed Chapter XXXX bankruptcy. I was not late or delinquent on any of my accounts during this month. I was actually only late on 2 accounts in the past 5 years. 

Prosper is reporting me Negative XX/XX/XXXX, the month I filed Chapter XXXX. I filed a dispute and there was no change. They reported back to the dispute that everything was correct. This is showing as a negative account on my credit report and is absolutely not correct. It also is showing no payment history from XX/XX/XXXX-XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX  XXXX   XXXX, XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX XXXX   XXXX, XXXX XXXX XXXX  XXXX XXXX. XXXX  XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX  XXXX   XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear TransUnion, I am writing to bring to your attention a serious issue regarding an inaccurate account on my credit report. Despite my credit report dispute that I submitted to TransUnion on XX/XX/2024, the account remains unresolved. I am writing this complaint because this deceptive collection agency is making unauthorized and inaccurate changes to my credit report, and I need my identity protected right away. 

The debt collector, XXXX XXXX XXXX, failed to notify me of a derogatory collection account which was incorrectly and duplicitously reported on XX/XX/2024, while simultaneously misleading me into believing my active dispute was underway, which has severely damaged my credit score ; I believe this is a violation of FCRA. Moreover, they have failed to provide proof of the alleged debt or respond to my dispute with them, and I have since reported their unethical and manipulative behavior to the authorities. This issue has contributed to a lot of financial stress and XXXX  especially with regard to an unethical debt collector tampering with my identity and personal information. I'm concerned about the violations and would appreciate additional measures to safeguard my personal information and ensure report accuracy. 
Please remove the inaccurate account and help me regain confidence in my credit report. 

I expect TransUnion to take immediate action to : XXXX. Remove the inaccurate account from my credit report XXXX. Provide written confirmation of the resolution to my email I appreciate your prompt attention to this matter, and I look forward to a swift resolution. 

Sincerely, XXXX 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 XXXX, Experian and XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX  Account XXXX
Product: Credit reporting or other personal consumer reports

**Subject : ** Request to Remove Late Payment Due to Autopay Error Dear Flagstar Bank , Im reaching out regarding the recent 30-day late payment notice on my account. This issue occurred due to an autopay error, not an intentional delay on my part. I had set up automatic payments to ensure my account was always in good standing, but unfortunately, the system did not allow me to allocate payments properly toward principal and interest. 

To resolve this, I made XXXX separate payments ( see pictures attached ), ensuring that all necessary payments were completed and or atleast attempted to be made correct as I made every effort to avoid a non-payment situation and was proactive in addressing the issue as soon as I became aware of It which will be reflected in the payment history attached. 

I humbly ask that whoever is reading this please take into consideration that I am asking for help. Given that payment attempts were made and received both on the day of the alert and the following day, I believe this demonstrates my commitment to fulfilling my financial obligations. For these reasons, I respectfully request that you remove this late payment from my credit report and reissue my credit standing. 

Thank you for your understanding and assistance in this matter.
Product: Mortgage

sometime around XXXX they bought my 2nd mortgage from wells fargo they hold deed to my house - cant refinance or sell without them taking my home. 
XXXX XXXX was trying to foreclose on my home and I had to hire a lawyer to stop proceedings- they said they would refinance with new company so I had a new loan. Paid on it for years and then found out they had deed on my house- they dont show up on my credit report. they are just lurking in the background waiting for me to pay more on my house and then take it.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

they have yet to put my new loans on their sys, and i cant get to pay it, they still have the car that was paid off on thier sys
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute incorrect information present on my credit file, specifically regarding an inaccurate addresses ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX, XXXX, XXXX, XXXX ) associated with my credit history. I have taken all appropriate steps to address this matter directly with the relevant credit reporting agencies and the furnisher of the information, yet the error persists. 

I have attached supporting documentation clearly displays my accurate address, such as a copy of my driver 's license, utility bills, and bank statements. It is crucial that this error be rectified promptly, as an incorrect address on my credit file not only affects my creditworthiness but also poses potential risks to my personal and financial information. 

I kindly request that you initiate an investigation into this matter in accordance with the Fair Credit Reporting Act ( FCRA ). Please verify the accuracy of my address through reliable sources and update my credit file accordingly. Furthermore, I request that you provide me with written confirmation once the correction has been made. 

I understand the importance of maintaining accurate credit information and appreciate your efforts to resolve this matter promptly. I am committed to ensuring the accuracy and integrity of my credit history and will provide any additional information or documentation that may be required to facilitate the investigation process.
Product: Credit card or prepaid card

I contacted Synchrony Bank, which provides services for Paypal. I needed to make a payout of existing purchases and balances and only leave my recent purchase, which was on a monthly repayment schedule. I spoke to an agent and we figured out what was owed. I submitted a payment of {$1300.00}. The payout was never applied correctly and almost {$600.00} has mysteriously disappeared. I have called them several times and they repeatedly say that they will fix it. They have not. I am missing money and I refuse to make additional payments until this is resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have paid XXXX XXXX  XXXX XXXX over {$1700.00} over a month and a half ago on XX/XX/21 paying off the balance and they have not reported the drop in balance keeping my credit score lower than it should, i paid, on the same date XX/XX/21 i paid over {$2000.00} dollars on XXXX credit card and they also refuse to report the drop in balance keeping my credit score lower then in should be, i also paid off every balance on all 4 capital one credit cards includeing walmart/cap one and they have refused to report the drop in balance, also on sync care credit payed balance in full and NO REPORT in balance drop ALL these cards in question have reported according to XXXX  and XXXX XXXX and all show balance when there are none! ... .i have contacted them all on 2 occasions each with no update with accurate account balances keeping my credit score low ... and you should note i am Native american and feel i am being fisciminated against to deliberatly keep my credit lower then it should be ... i hsvnt missed or had a late payment on ANYTHING in over 5 years ... .please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit score dropped XXXX points for no reason, called EQUIFAX ( non issue with the other two credit score companies ), who this issue is with, could not actually talk to anyone in detail since they can never actually confirm who I was even though I provided all info they requested and it is correct.
Product: Credit reporting or other personal consumer reports

Hello, I trust this communication finds you well. I have been attempting to establish contact with your XXXX regarding an account currently appearing on my credit report with all three major bureaus. The matter at hand is that this account is either already or nearly XXXX years old, and in accordance with established credit reporting guidelines, it should no longer be reported. 

I kindly seek your assistance in promptly expunging this outdated account from my credit reports. Taking this step is essential to ensure the accurate representation of my credit history. 

Your prompt attention to this matter is highly appreciated, and I anticipate a swift resolution. Please do not hesitate to reach out if any additional information is required to facilitate this process. 

Thank you for your help. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I wrote a company check # XXXX in the amount of {$3000.00} drawn on a commercial checking account to pay a vendor 's invoice and mailed it to the vendor 's accounts receivable address. The check was intercepted while in transit by an unknown/unrelated individual who endorsed ( with a signature ) and deposited into their personal checking account, clearing my bank on XX/XX/XXXX. After realizing the fraud, I contacted my bank who initiated an investigation. 

As of today, XX/XX/XXXX, no resolution or progress has been made to rectify the bank 's blatant error.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/2021, second mortgage was modified by Planet Home Lending. 
Unpaid principal balance on this mortgage was {$250000.00}. Accrued interest was {$100000.00}. The accrued interest of {$100000.00} was capitalized and added to the unpaid principal balance of {$250000.00} for a total amount of {$350000.00}. 
On XX/XX/2021, the total outstanding balance of {$350000.00} owed to planet home lending was paid Per the ALTA settlement statement by XXXX XXXX XXXX. Document attached. 
In XXXX of 2021, Planet Home Lending issued us a 1098 statement showing outstanding mortgage balance of {$260000.00} and mortgage interest paid in 2021 of {$29000.00}. The 1098 was incorrect. Capitalized mortgage paid off or refinanced should be reported by planet home lending as income and should be reported on my 1098 as interest in the year paid off. 
I called Planet home lending to request a corrected 1098 and was told they will not correct this, and that they were justified in the way it was reported. I explained that my tax preparer wanted this corrected to reflect the correct amount of interest that included the capitalized interest on the mortgage paid off. 
Planet home lending refused to correct this after several repeated calls. Sometime during these calls, I am placed on unusual lengthy hold by staff of planet home lending, sometime 45 minutes and at the end not resolution.
Product: Credit reporting or other personal consumer reports

My credit file still contains information about previous accounts from XXXX, Transunion, and XXXX despite my repeated disputes and requests for their removal. My credit file has these items since XXXX. I've been at odds with these credit bureaus for the past six years. Everything that states " Collection Charge Off, '' including XXXX XXXX XXXX XXXX, and XXXX, needs to be removed. I'm unable to move forward because of the ongoing effects these things are having on my credit report. 

These laws also protects me as a consumer Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S. Code 1692 Fair Credit Reporting Act ( FCRA ) - 15 U.S. Code 1681 Gramm-Leach-Bliley Act ( GLBA ) - 15 U.S. Code 6801-6809 Identity Theft and Assumption Deterrence Act ( ITADA ) - 18 U.S. Code 1028 Privacy Act of 1974 - 5 U.S. Code 552a
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items i need deleted are listed in the report. 
I am a victim of identitfy theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and i alsoXXXX have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Debt collection

Date : XXXX  *Amount : {$10000.00} *Actions by collection company : sent out maybe 2 to 3 collection letters already *Actions by me : wrote 2 letters stating that I can NOT pay due to I have NO JOB therefore NO INCOME. 
** P.S. this is a collection agency & they are not the original owner of the debt. I can NOT pay this debt due to several hardships I've had through out the past 4 yrs!!
Product: Credit reporting or other personal consumer reports

I have accounts on my report that do NOT belong to me. I have reached out to XXXX and they refuse to move it, KEEP stating that the " investigation is complete, reported by data furnisher '' but yet they don't provide me with anything. The Reinvestigation states " This item remained unchanged from our processing of your dispute in XX/XX/2024 '' they have yet to provide me with all the information used in the reinvestigations and this is a violation per FCRA 611 ( a ) ( 2 ) ( b ) and FCRA ( a ) ( 7 )
Product: Checking or savings account

I am a victim of identity theft. Current banking app. Not once. Not twice. But three times allowed unauthorized individuals to take thousands of dollars of my money and left me stranded stuck out and not giving me provisional credit of which they informed me that I was entitled to. 

This most recent event XXXXcurrent Every transaction made on the account after that date was fraudulent due to the fact that I had lost/it was stolen, my phone ( the case is a wallet ) I am assumsing ( pure speculation ) by someone who knows me or presumably watched me pay for gas at the pump before. 

I disputing almost XXXX worth of transactions, as well as fraudulent XXXX XXXX transactions, uploaded to them proof of my identity theft affidavit with the irs as well as my ftc identity theft report. Signed affidavits, etc and nothing. They denied absolutely everything. When I asked for an appeal they said sorry, the results of the investigation are final they dont do appeals. Offered to file/submit police reports on ALL occasions. Their were three teen accounts with random names for which my account was being charged for. They denied this and removed the accounts, said they added XXXX login ( not true ) and charged me another XXXX to ship me a card. The last dispute in question is still under investigation
Product: Debt collection

I am disputing the collection notice for unpaid lease charges at The XXXX XXXX. On XX/XX/year>, XXXX XXXX ( XXXX  XXXX ) confirmed in writing that these charges are for my former roommate, AFTER I vacated. I've provided proof of release, and she assured this will be rectified. ProCollect sent me a letter claiming they've taken steps to address the issue by canceling the account as a collection item and requesting its removal from the credit bureaus, but since then my credit score dropped XXXX points due to this. Nothing has been resolved. They don't answer my emails. This was NEVER my debt! They never even contacted me about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 8 inquiries on my credit report that do not belong to me I have not inquired for any of these I need these off my report. 

Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX  Inquiry Date : XXXX XXXX, XXXX Creditor Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX