23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

There are several items on my credit report that are incorrect. There are Addresses, there are name spellings, and several other items that are not mine nor did i give any consent for them to share my information. 
this agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. They are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( 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 the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information they're reporting. My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. I, therefore, request that you immediately delete the items specified above from my consumer file with your agency.
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 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 they did not comply with air resolution requirements under the electronics fund transfer actin regulation XXXX these actions have caused significant inconvenience and financial loss and I see appropriate red dress for these violations
Product: Credit card or prepaid card

I received a US Bank XXXX  in the mail. An insert included said I was receiving the card because I filed for unemployment in Colorado. I did not file. I checked my credit report and there are soft inquiries from the XXXX XXXX CO XXXX, State of IL XXXX/XXXX, and State of OH XXXX/XXXX. I do not live or work in any of these states. I live and work in Arizona. 

I have attempted to call US Bank and each of the states, but they are overwhelmed with calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry from XXXX XXXX report from Trans Union not from my knowledge
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX XXXXXXXX XXXX : Date opened : XX/XX/2023 Account Name : XXXX, XXXX. : Date Opened : XX/XX/2023 - And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit 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 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: Money transfer, virtual currency, or money service

I sent the following letter by mail and no response but the Customer Service of Cash App operated by Block Inc responded and say they will help to resove but weeks passed and no reponse. The following mail sent explains all the problems and no money received yet. 

XX/XX/year> From : XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX To : XXXX XXXX XXXX, Cash App, XXXX XXXX # XXXX, XXXXXXXX XXXX XXXXXXXX Dear Sir/Madam, Ref : XXXX XXXX Cash App Account : Email : XXXX Telephone : XXXX, Cash App A/c : XXXX XXXXXXXX ( XXXX XXXX ) I am very much frustrated and writing to you in a very helpless situation for your help. I have an account with Cash App, and I wanted to withdraw my money from a third party called XXXX and their website address is XXXX. and also XXXX To withdraw the money from this XXXX to deposit at my Cash App account, XXXX wanted the Cash App Wallet address to send money to my Cash App account. 
I called Cash App to get their Wallet Address to past at the XXXX withdrawal procedure. 
The Cash App gave me the following procedure from their web site : - Tape Money, - Tap XXXX title, - Tap Deposit XXXX and then - Tap copy the wallet. 
I copied and pasted the Cash App given wallet address at the XXXX withdrawal site. XXXX accepted the wallet address, withdrew {$660.00} from my XXXX account but weeks passed, and money never arrived at my Cash App account and account at XXXX showing XXXX balance after withdrawal. 
I called XXXX that my money never arrived at my Cash App account and XXXX informed me that Cash App Wallet address which I took from Cash App and pasted is wrong and they have sent the money to Cash App provided wrong wallet address and money is sitting there and my account at XXXX is showing XXXX now. XXXX informed me that I contact Cash App as they provided me the wallet address to get money with their provided wallet address. 
Now its Cash App responsibility to get my money wherever XXXX has sent to the Cash App provided wallet address. 
I want to request Cash App to contact XXXX to get my money from them at whatever Cash App provided Wallet address XXXX has sent to as XXXX asking me to contact Cash App for recovering my money of {$660.00} from XXXX who sent to Cash App provided wrong address. 
Please help me in this regard as I am very much frustrated, as Cash App customer service is not helping me and not responding to my requests. They do not give me a proper email address to contact you as they do not have any on the website, so I decided to write to you by postal mail. 
I am writing to you to help me, as some are suggesting, I contact and report to if neither Cash App nor XXXX can resolve the issue, consider reporting the issue to the appropriate financial or regulatory authorities. But before I do this and request you and want Cash App help to resolve the issue as they provided the wrong Cash App Wallet address to paste as per XXXX and Cash App is responsible for it to recover from their provided wallet address where money is sitting. 
Thanks for your help and understanding. 
Best Regards, XXXX XXXX
Product: Debt collection

Collection company for a rental property that I did not authorize to use my personal information as a co signer on a lease to a property I have never lived at nor signed for. Apparently debt went in to collection in XX/XX/XXXX for a rental in XXXX. I was made aware in XX/XX/XXXX and dispute legality of the collection to me. Company told me to file police report and they would remove from my credit report which I did and provided documentation. Still refuse to remove. Since that time debt has been settled with original signer but this still reports on my credit report and has caused me great harm
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 
15 usc 1681 section 602 states 1 have rights to privacy.

15 usc 1681 section 604 section2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15ucs 1666B : A creditor may not treat a payment on my credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit card

I had applied for a guitar center card in back in XXXX, which included no interest until XXXX, I only had a balance just over XXXX for a new instrument, however synchrony bank decided to close my card without warning, even with on time payments beginning of XXXX when I had a lower balance. So, my monthly payments were XXXX bucks even, and Ive continued to make that minimum payment. Synchrony decided to close my account without warning, I never received a letter of the change. Now they are charging me so much interest and saying Im not making payments. They show that Im behind on payments when Ive paid XXXX  dollars every month which is what was agreed upon at time of purchase. Now Im unable to pay down the small balance of the card, which was XXXX or so, because theyve raised the balance from interest and late payments to almost XXXX dollars. I have complained to the XXXXXXXX XXXX XXXX and they took the late payments off my account, however synchrony has added that remark back onto my credit showing a past due balance even though I signed a contract for XXXX dollars a month and theyre trying to gouge me and get way more money by making remarks on my credit. This is illegal, and Im complaining on every website I can to expose the treatment of these credit card companies. They try to place a negative remark on my credit, however they wont sell the debt which is an obvious sign theyre just trying to bully me to get more money out of me. I will settle on the XXXX dollar amount and just send it to collections so I can make a payment arrangement with them. I want all the interest taken off because I have not missed a payment yet.
Product: Debt collection

XXXX XXXX XXXX  has been attempting to collect a debt on behalf of Macy 's that was paid in full to Macy 's. They continue to post negative credit reporting against my report despite the payment being made in full. 

We were in the process of re-financing our home and this transaction required that we receive a payoff amount from Macy 's and rectify the outstanding debt. We received the information from Macy 's for a XXXX payoff of {$3500.00} that was then sent by XXXX XXXX  XXXX to Macy 's on XX/XX/XXXX and deposited by Macy 's on XX/XX/XXXX. 

We received additional collection in XXXX of XXXX via mail and responded to them on XX/XX/XXXX outlining the incorrect facts that their purported collections were based on and informing them that they had 30 days to rectify the situation. They responded in late XXXX, via mail again and are maintaining that their collections are valid. 

In XXXX, Macy 's offered a settlement at nearly half of the value that was paid and the value that was paid was the full amount of the outstanding debt. I believe that XXXX is performing collection practices that are outside of FTC regulations and local ordinances.
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. 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 and regulation E. These actions has 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

I sent a letter in attempt to remove These accounts that should not be furnished on my consumer report as they are in violation! Under 15 US Code 1681b Permissible purposes of consumer reports ( 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 the 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 all the accounts listed IMMEDIATELY! 

XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$5100.00} XXXX XXXX XXXX XXXX {$85.00} US Dept of ED/GSL/ATL XXXX US Dept of ED/GSL/ATL XXXX XXXX XXXX XXXX XXXX {$23000.00} XXXX XXXX XXXX XXXX {$62.00} XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I file a complaint with Experian through the CFPB concerning unauthorize use of my consumer report. Experian responded in under 24 hours that the inquiries are Factual even though I gave proof that I only authorized XXXX ( XXXX XXXX ) to obtain a consumer report. Again! look at the documents I've uploaded for your investigation instead of E-Oscar or my mailing address. Remove these inquires immediately, I've suffered greatly because of your negligence. I have also uploaded my FTC identity theft report ( XXXX ) for your investigation. Remove the following Inquiries below. 
1. XXXX XXXX 2. XXXX XXXX CFPB Complaint # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 

REMOVE THIS FRAUD ACCOUNT ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for financing with only TWO finance companies. XXXX XXXX as well as XXXX XXXX. When applying i made very clear I ONLY AUTHORIZE THE MENTIONED FINANCE COMPANIES TO RUN MY REPORT. When lookin back there are multiple reported inquiries. I contacted credit bureau and was advised to call dealerships. I called XXXX and was advised they only ran through their private financing ; XXXX XXXX. I also contacted XXXX XXXX who also advised they followed instruction and only ran through XXXX. So i contacted bureau back to advise response and confirm fraudulent inquiries during that time and they state despite me confirming fraud i do not have a right to dispute because i authorized the two mentioned companies to run which is inaccurate and against the Fair Reporting Act as I NEVER AUTHORIZED ANY OTHER INQUIRIES!!
Product: Mortgage

I was approached by Unison XXXX XXXX in XXXX  for a co-investment loan. This was during the XXXX XXXX pandemic, and due to some financial hardships I was experiencing, and the duress of battling a serious illness, the XXXX XXXX  offered, seemed a good solution. 
I was told I didn't have to repay the loan, but would share any proceeds in the event of sale of my home. 
The company didn't disclose at the time, that this was not really a co-investment, but in fact a reverse mortgage. 
I was not told in simple clear terms that their terms for refinancing are very strict, rigid and prohibitive. 
In fact, their terms are nothing short of predatory. 
Their agreement does not even allow a homeowner to refinance, or pre-pay their loan. 

Unison has imposed very strict terms and maximum on the amount on a refinance loan ... which leaves no leeway, or room to access the equity of a homeowner. 

I have called and emailed them asking if I can pre-pay the loan, which would allow me to refinance my home, access the equity and pay form some medical bills. ' Their replay is repeating their agreement ... per our agreement. 
My lender reached out to them, asking to modify the maximum loan amount ( or as they refer to it XXXX ) and they have refused. 

Unison 's co-investment is misleading and predatory. 
it is not a equity sharing loan or co-investment... it is a reverse mortgage. 
It robs homeowners of their hard-earned equity. 

They are incredibly difficult to deal with ... .almost robotic in their reply. 
They repeat the company policy. 

I hope you look into their practices and warn other homeowners not to take their bait. 
Shady business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my debt in XXXX of 2018. They are showing it still in collection. There is and has been a zero balance for over 2 years.
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. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX/Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX  XXXX XXXX Balance Owed : {$1900.00}, XXXX XXXX  XXXX Balance Owed : {$3200.00}, XXXX XXXX XXXX Balance Owed : {$260.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing this complaint because EXPERIAN, has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... .promptly delete all information which can not be verified. '' that I have disputed. Current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely PARROTING information received from other sources. That means that you can't just verify my account by telling me it is verified, or telling me you contacted the creditor and the account I disputed is Verified. I'm a victim of identity theft and I submitted a copy of Proof of Identity my Driver License, Social Security Card, Utility Bill, Federal Trade Commission Identity Theft Report Reference number : XXXX, XXXX XXXX Metropolitan Police Report No : XXXX and a copy of the Fair Credit Reporting Act Section 605B Please resolve this manner as soon as possible. Thank You
Product: Debt collection

A company by the name of Credence Resource Management is attempting to collect a debt on an XXXX account that was opened in my name without my knowledge or consent. I was XXXX during the time that this account was open and it is not mine. I have tried to contact XXXX and credence management several times to let them know this and they have still not removed the debt.
Product: Credit card or prepaid card

I received a letter dated XX/XX/19 from paypal credit c/o synchrony bank addressed to me states you have issued me a credit card i did not apply for. I called them and wanted the account canceled but unless i gave my social security number the operator refused to help me this is FRAUD on my name. I felt my name address date of birth should have been enough information for them to take my complaint. This credit card is already on my credit report as {$250.00} limit
Product: Checking or savings account

I called them every month from XXXX to XXXX requesting information about the monthly maintenance fees which caused my balance to drop. The monthly maintenance fee is XXXX $ each month i drop below XXXX XXXX They charged me over XXXX $ since I opened my bank account. On several occasions, they have held my funds that were being transferred from an overseas bank which made my balance drop below XXXX. On XX/XX/XXXX, they authorized to refund me XXXX $ for two monthly maintenance fees after I called with a complaint. However, the problem still continues. 

They charged me wire transfer fees ( XXXX $ ) 6 times from XXXX to XXXX ( XXXX transactions in XXXX ) without notice, i am usually charged wire transfer fees XXXX $ ( they were that before XX/XX/XXXX  and after XX/XX/. Which makes me guess they are trying to cover their losses from the law suit by doing anything they can.
Product: Money transfer, virtual currency, or money service

Tried to cash a check and send money through app and said my was not a real check. They took my money and never let me use the app again.
Product: Credit reporting or other personal consumer reports

Credit XXXX bank {$950.00} claims I owe. In accordance to fair credit reporting act this creditor has violated my rights under 15 USC 1681 602 states I have a right to privacy. 15 USC 1681 604a 2 a consumer reporting agency can not furnish an account without my written consent. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

A letter was sent to this company on XXXX XXXX requesting validation of this debt and to request all further contact be via mail only. 

A letter was sent by me and by my husband who was a co-signer on this loan. Delivery for both letter was confirmed on XXXX XXXX ( can provide tracking numbers ) My husband has received XXXX documents from them that do not apply to the debt they are collecting and has someone else 's social security numbers on them so I know this letter has been received. However they have not responded to my letter. 

They have continued to call my house, my husband 's place of employment and my cell phone number listed above. The last voicemail left on my cell phone was XXXX/XXXX/2016 at XXXX. The last call to my house was XXXX/XXXX/2016 at XXXX. 

My husband has asked them when they have called him at work not to contact him and they have continued to do so. This is a company with no respect of the law trying to collect a debt that has been passed through at least XXXX different collection agencies none of which can provide proof of debt or proof that they have the master promissory note.
Product: Credit card or prepaid card

Someone has applied for Capital One Credit Card with my information! It is now on my Credit Report
Product: Credit card or prepaid card

Bank of America closed my account ( their decision ). On XX/XX/2020, I paid the total amount due on the statement. This was significantly before the due date. On XX/XX/2020, B of A charged me {$35.00} for interest. I was told this was " residual interest '' from the date the statement was printed to the date the bill was paid. While this may be in the fine print of the cardholder agreement, I do not think it is reasonable, especially on an account they closed. If I pay the full amount due before the due date, the account should be paid up. I spoke to customer service, and to a supervisor, who both told me they could not resolve my issue.
Product: Vehicle loan or lease

i just recieved my credir report and noticed unauthorized inquiries that shouldnt be listed within my Experian credit report.