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

Im 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 was unfair and deceptive, as they did not comply with error resolution requirements under 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 or other personal consumer reports

I disagree with the account : XXXX XXXX XXXX which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. 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 XX/XX/XXXX {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX  XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1300.00} XXXX XXXXXXXX XX/XX/XXXX {$3400.00} XXXX XXXXXXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$61.00} XXXX XXXX XXXX XX/XX/XXXX {$110.00} XXXX XXXX XX/XX/XXXX {$55.00} 15 USC 1681 Section 602 A- States I have the right to privacy. 

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, 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 Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Experian 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 Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$330.00} XXXX XXXX  Date of XXXX XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX
Product: Mortgage

To whom it may concern : I recently ( XXXX ), contacted PRMG loan ( Paramount residential mortgage group, XXXX XXXX XXXX, ( XXXX ) XXXX XXXX OH XXXX ) about a cash out refinance on my home located in XXXX Closing date was set for XXXX, I filled out the necessary paperwork and signed dated and returned it to there office via email. I was then told by XXXX XXXX-loan officer email XXXX that an appraisal and an engineer to provide an engineering certification would be ordered at my cost ( nearly {$1000.00} USD ). I proceeded to pay both fees and the appraisal, which came in above and beyond the required amount, and also paid the fee to the engineering firm which also came in as satisfactory. After further investigation by PRMG loan, they said I was not going to be approved for the loan. At that time, we had a conference call with XXXX, myself and XXXX XXXX-branch manager ( same address as XXXX XXXX, and supposedly they had a company that could help with my refinance, ( felt I was being palmed off on another company ) I contacted the new company and have not heard a word from them since I sent them an email making some inquiries. I feel PRMG should of thoroughly investigated my credit history before the fact that I was lead on about being approved and spending nearly {$1000.00} USD for both appraisal and engineering certificate. I feel this practice is bait and switch and shouldn't be tolerated by consumers who are not in a position to throw away {$1000.00} dollars. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

During this big Equifax hack, I am dumbfounded by how careless these people were with our most valuable information. I am sure some of my information is floating out there on the dark web, and I may never know it, or it will pop up and surprise me one day when my credit is wrecked, or my idnetity has been stolen. I do NOT take this matter lightly. This is an insanely serious matter that I demand compensation for emotional abuse. This has me worried every day in and day out. I can never stop thinking about who has my information, or when I will finally be compromised. I am a worrier, and this is an awful feeling to have as a burden on myself everyday. I know this has affected my health and my well-being, and I am demanding a decent compensation to make up for any prescriptions and life altering issues I have been going through since this and the XXXX XXXX debacle happened. Please take care of this compensation or I will go up the ladder and make this a bigger issue than it has to be. Thanks
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

About a XXXX and a XXXX ago, My Lady had come up with some medical issues and we had some medical expenses that were unexpected, we fell behind on our mortgage payment and we tried to catch up for about XXXX months, So after all the XXXX and anguish, not being able to sleep, and My Lady crying thinking we were going lose the house. We were only XXXX month behind all this time. So we decided to ask for a payment plan to catch up. At this point they granted us XXXX, So after XXXX months we were finished with the plan to catchup, So when we went to make our regular payment after the payment plan they said that we were a month behind, and I had asked them how could that be we just got off a plan to catch up, and to this day they can not give Us a Liable Reason for being behind a month " Again ''. This has affected our credit score in a really bad way, in which they said that it would n't while they would be investigating the matter. We have tried to refi the property but the result of their lack of responsibility to resolve this problem has put our credit score to where nobody will even try to help us. this has been a on going problem with them going on XXXX months, I call them at least XXXX a month to see what or where they are with the issue and all they want is the full payment of XXXX months, and when I ask about the matter that is suppose to be investigating they transfer me from XXXX department to another with representative that do n't know what to tell me or have no knowledge of what I 'm talking about and transfer me again, All we want is to get our credit fixed from this and have a local mortgage company carry our loan from now on, we can not go on with this, it 's unbearable and XXXX, We are not the smartest people in the world ... But we do know when things are not right. Please Help Us!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in numerous information that proves an account on my credit report is not mine. Everytime i call them they change their story staying they have n't received it to " oh yeah we did receive it but it has n't been review yet. this was over a month ago. They constantly change their story and do not give me a straight answer. Ive been recording every call wit them proving that the are lying. I demand that they take all collection account off my report as I proved that all of them are not mine.
Product: Credit reporting or other personal consumer reports

After obtaining a copy of my credit report after getting many calls from debt collectors I wanted to check my credit report to be up to date, i noticed a delinquent account from XXXX XXXX XXXXXXXX credit card, I have no knowledge of that account and I did not authorize that account to be opened under my name. The account seemes to be opened XX/XX/year> and the amount is {$7100.00}. I have obtained an FTC report and I wish to have this matter resolved ASAP as I am getting harrased by debt collectors and this is ruining my credit, I am a victim of identity theft and I need help getting this fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently called Equifax at XXXX XXXX XXXXXXXX, and the representative stated he couldnt remove an unauthorized inquiry because it is a factual record. I am here to tell you that it is not! I contacted the below creditors, and they haveNO proof I initiated such inquiries, nor written authorization, and have failed to provide any permissible purpose. Since they do not have my authorization written nor verbal, I ask that you delete and remove these unauthorized inquires from my credit report immediately. I did not apply for credit with this company nor gave the authorization to pull my credit. 

To my knowledge, I have no business affiliation or obligation to this alleged company nor did I give them my consent to pull my credit.I contacted the below creditors, and they haveNO proof I initiated such inquiries, nor written authorization, and have failed to provide any permissible purpose, validation.
Product: Debt collection

Request to CLOSE ACCOUNT and give payoff balance in XX/XX/XXXX. Advised was refinancing home to clear debts especially this one at 65 % APR. AVANT of Louisiana, LLC refused to cooperate with me or XXXX XXXX XXXX that was handling refinance of home and cutting payoff checks. Clearly told both of us would not close account nor put a payoff amount in writing. 
Applied for loan for medical emergency XX/XX/XXXX for {$2600.00}. because of the urgency..failed to read fine print that showed 65 % APR which meant at least {$130.00} a month was added to balance even if I paid more than monthly amt due on or before due date. This is the only Creditor that was not paid and only creditor that REFUSED TO CLOSE ACCOUNT ON DATE OF CONTACT REQUEST. My pain and desperation for emergency dentalsurgery led me to now having to deal with a financial burden that keeps increasing in leaps and bounds monthly, a company that refuses a request to close the account to stop the 65 % APR, refuses to allow me to talk to management. Seems I 'll be trying to pay this one debt forever and keep bad credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX SS : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX ATTN EQUIFAX CREDIT BUREAU ( INFORMATION MISSING AND INCORRECT INFO REPORTED ) I am writing this to request a full investigation and clean up of my credit report. I believe I was a victim of your coding error this month and that is totally unacceptable. My current credit report contains multiple missing items and incorrect information! THIS INFORMATION MISSING AND INCORRECT IS AFFECTING MY CREDIT SCORE AND HISTORY. IT IS ALSO HURTING ME FINANCIALLY. 

I have requested a correction multiple times however every representative has failed to provide help. I am attaching a current report that I pulled showing my current report and have marked all of the items that need to be investigated. Per my FCRA rights, you are responsible for providing accurate information and if you fail to do so, you could be liable for damages. Below is a breakdown of everything that needs to be adjusted. 


PERSONAL INFORMATION Name - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX Current Address - XXXX XXXX XXXX XXXX, XXXX XXXX Texas XXXX Previous Addresses - XXXX XXXX XXXX, XXXX Texas XXXX. XXXX XXXX XXXX XXXX XXXX Texas XXXX. 


MISSING ACCOUNT ATTACHED TO FILE INSTALLMENT ACCOUNTS XXXX XXXX XXXX, CLOSED, UNSECURED LOAN, BALANCE {$0.00} XXXX XXXX, OPEN, SECURED LOAN, BALANCE {$970.00} XXXX XXXX XXXX, PAID, SECURED LOAN, BALANCE {$0.00} XXXX XXXX  XXXX XXXX SECURED LOAN, PAID, BALANCE {$0.00} XXXX XXXX, XXXX LOAN, CLOSED, BALANCE {$0.00} XXXX XXXX, OPEN, CURRENT, BALANCE {$2200.00} XXXX XXXX XXXX, CLOSED XXXX SECURED LOAN, {$0.00} XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, BALANCE {$0.00} XXXX XXXX XXXX, SECURED LOAN XXXX PAID, BALANCE {$0.00} STUDENT LOANS XXXX ( STUDENT LOAN ) XXXX, BALANCE {$7000.00} XXXX ( STUDENT LOAN ) XXXX, BALANCE {$5500.00} XXXX ( STUDENT LOAN ) XXXX, BALANCE {$4500.00} XXXX ( STUDENT LOAN ) XXXX, BALANCE {$6000.00} RENTAL AGREEMENT ACCOUNTS XXXX XXXX XXXX RENTAL AGREEMENT XXXX, XXXX, XXXX DEROGATORY ACCOUNTS THAT WERE RE-ADDED WHEN THEY WERE PREVIOUSLY REMOVED WHICH IS A VIOLATION XXXX XXXX NEEDS TO BE REMOVED. 

I need a response ASAP. 

Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey, there are old addresses listed in my profile that are hurting my credit report. I am also concerned that someone else may be applying for credit under my name using these old addresses. I have provided to Experian a copy of my current address.
Product: Credit reporting or other personal consumer reports

Heres a sample dispute letter you can use to address inaccurate information on your credit report regarding collections : [ XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX [ XXXX tx XXXX [ XX/XX/XXXX Experian ] XXXX XXXX XXXXXXXX, XXXX, TX XXXX. 
] XXXX XXXX XXXX XXXX, XXXX, GA XXXX. 
[ XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear [ Credit Bureau Name/Debt Collection Agency Name ] , I am writing to dispute inaccurate information appearing on my credit report under my account with your organization. The details are as follows : Creditor/Debt Collector Name : [ Enter Name, e.g., XXXX XXXX XXXX XXXX XXXX Account Number : [ Enter Account Number, if available ] Amount Disputed : [ Enter the incorrect amount listed ] This information is inaccurate for the following reasons : [ State why its incorrect : e.g., This account does not belong to me, The reported amount is incorrect, or This debt has already been paid. ] I am requesting that you investigate this matter and remove or correct the inaccurate information immediately. In accordance with the Fair Credit Reporting Act ( FCRA ), you are required to verify the accuracy of the information or remove it within 30 days. 

To assist your investigation, I am including copies of supporting documentation ( e.g., receipts, proof of payment, statements, or other relevant information ) proving the inaccuracy of the account. Please find these documents attached to this letter. 

Once you complete your investigation, please provide me with written confirmation of the outcome. If the item is corrected or removed, I would also like an updated copy of my credit report. 

Thank you for your attention to this matter. Please contact me if you need any additional information. I can be reached at [ Your Phone Number ] or [ Your Email Address ]. 

Sincerely, [ Your Full Name ] Enclosures : [ List any documents youre including, such as a copy of your credit report with the error highlighted, proof of payment, etc. ] Let me know if you need further help tailoring this letter!
Product: Money transfer, virtual currency, or money service

Commencing around XXXX XX/XX/2023, I fell victim to a multi-layered scam operation run by XXXX.Online which involved me making deposits for a total amount of XXXX USD from my Trust Wallet account to the fraudulent investment firm.

When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Trust Wallet did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Trust Wallets custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Trust Wallet promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Trust Wallet was in compliance with its own policies and procedures ; ( v ) whether Trust Wallet owed duties to myself, what the scope of those duties was, and whether Trust Wallet did not uphold those duties ; ( vi ) whether Trust Wallets conduct was unfair ; and ( vii ) whether Trust Wallet has within its power the ability to, and should, compensate me for the harm that has befallen me.

Upon identification of such unusual or suspicious activity, it is crucial that the relevant staff member adequately describe the factors making an activity or transaction suspicious, thoroughly depict the extent and nature of this activity and properly communicate to the customer that such activity meets the relevant criteria of fraud.

In providing its services to a customer, a financial institution is required by law to exercise the care and skill of a diligent, prudent banker. In this case, this means that the payment service provider should not turn a blind eye to known facts pointing to a real possibility that their customer is being scammed. In other words, Trust Wallet must have had special knowledge of what was occurring or been alerted to a real possibility of fraud taking place. The financial institution must have known or reasonably ought to have known that I was dealing with a scammer.

Granted, there is room for diversity of view insofar as reasonableness is concerned. Indeed, there is a sense in which the standard of care of the reasonable person involves in its application a subjective element. However, it must be remembered that the correct test is always reasonable care in all circumstances, not average care. The fact that most people behave in a certain way may be good evidence that the conduct is reasonable, but this is not necessarily the case. Although reasonableness is a very fluid concept, all of the evidence suggests that Trust Wallet did not foresee the fraud and disregarded even the most obvious dangers in this respect.

Situations do tend to repeat themselves and it is advisable to examine previous outcomes to see how the standard of the reasonable person should be applied, and that lessons can be learnt from the errors of the past.
Product: Credit reporting, credit repair services, or other personal consumer reports

Acct. name - XXXXXXXX XXXX XXXX, acct. # XXXX - acct. type - open date XX/XX/2016, amount XXXX In accordance with the fair credit reporting act. account number XXXX has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. I HAVE THE RIGHT TO PRIVACY.

15 U.S.C.1681 SECTION 604 A SECTION 2 : it also states a consumer reporting agency can not furnish an account without my written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

List of dates : XXXX and XXXX/XXXX/XXXX. There were credit inquires on my credits reports that i do not recognize.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX DEBT Account Number : XXXX Inquiries : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX 'S XXXX XX/XX/XXXX : XXXX XXXX XXXXXX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was trying to get a house and realize I had damages on my report that I did not authorize according to the 15 U.S.C 1681 there should not be any damages on my report it is an deformation of my character