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

I am filling 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 have caused a significant inconvenience and financial loss, and I am seeking appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries were unknown to me. The furnishers were unauthorized to pull my credit reports. Thus, there must be an error with Equifax 's investigation. I have already addressed this issue to Equifax but I have received nothing until this date. I am already doubting the accuracy of their investigation. Please see all inquiries that should be removed : XXXX Date of Inquiry XX/XX/2020 XXXX XXXX  XXXX Date of Inquiry XX/XX/2020 XXXX XXXX  XXXX Date of Inquiry XX/XX/2020 XXXX XXXX XXXX Date of Inquiry XX/XX/202XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/202XXXX XXXX Date of Inquiry XX/XX/202XXXX XXXX Date of Inquiry XX/XX/2020 XXXX XXXX Date of Inquiry XX/XX/2020 XXXXXXXX XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/2020 XXXX XXXX XXXX Date of Inquiry XX/XX/2020 XXXX XXXX XXXX  Date of Inquiry XX/XX/202XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/202XXXX XXXX Date of Inquiry XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I received an advertising mailer to my home sometime around XX/XX/2018 offering a low interest loan which I was interested in to consolidate my credit card debt and pay it off. When I called the number around XX/XX/2018, Mr. XXXX XXXX with XXXX   answered. After discussing a few details he returned my call and said I was not qualified for that program but I was qualified for their debt relief program which sounded okay as they would resolve my debt and I would pay them instead. He made it seem that it would only take a short time and I would benefit from it so I signed up for the program. Unfortunately this was the worst thing I could have ever done as my credit is now destroyed because they advised me to close my long standing accounts and not to make payments. Once I realized this was a huge mistake, it was too late and my credit score is XXXX and has never been worse. In addition, I am now unemployed and this has negatively affected my efforts to not only find a job, or start a business, but to support myself while out of work. Overall, I feel I was duped into this program and the mailer was a bait and switch tactic.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three accounts on my credit reports that are not mine they do not belong to me in any way and I have tried to solve this with the credit bureaus and they are not helping me.
Product: Checking or savings account

Fraudulent charges were reported by me to my bank ; These were charges from XXXX XXXX and were made through my phone account. I was given a temporary credit. The bank, Bank of America later said that they investigated the charges and denied them. I appealed their decisions and gave them information from my phone company XXXX with the information that I had attempted to resolve the matter with my phone service provider. It took months and again the charges were denied.
Product: Checking or savings account

I became XXXX and signed up for a bank account, threw Albert. 
They did not accept my payment from the federal government XXXX. Even though they're FDIC insured. 
And they are approving deposits several days earlier. Causing their numbers to not allow other deposits. 

Customer not receiving money that they count it on. 
Causing their banks to overdraft.,
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under USC 1681 XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 1681 c. ( 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. 1681 s- 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or gas reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Following up on these illegal accounts and inquiries. These accounts were illegal obtained in my name and my information was stolen and shared via a Breach. Illegal credit cards and other things were obtained illegally in my name. Please remove this off my report. 

XX/XX/XXXX I WOULD LIKE ALL THESE ILLEGAL ITEMS REMOVED OFF MY REPORT AS SOON AS POSSIBLE. THIS IS TOTALLY ILLEGAL AND THESE ARE NONE OF MY ACCOUNTS! 


All of these accounts are TOTALLY FRAUDLENT AND ILLEGAL AND VERY MUCH INCORRECT. I WOULD LIKE THESE ITEMS REMOVED OFF OF MY REPORT AS SOON AS POSSIBLE. COLLETIONS AND AND INQUIRIES ARE ILLEGAL I WOULD LIKE THESE REMOVED AS SOON AS POSSIBLE. 

XXXX XXXX  Date Opened XX/XX/XXXX {$2400.00} XXXX XXXX Date Opened XX/XX/XXXX {$3100.00} XXXX XXXX Date Opened XX/XX/XXXX {$2600.00} inquiries XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX
Product: Payday loan, title loan, or personal loan

On   XXXX   XXXX   XXXX ,  One Main Financial ran a hard inquiry on my credit report along with my husbands. This was NOT authorized nor did we give them consent to do so. We currently have a loan through them for se veral years. We did not ask to refinance or anything like that. They did not have permission to do this . One Main  has been caught in so many lies, several by me alone. They tell you one thing and then do another.
Product: Debt collection

Spoke to a representative for POrtfolio recovery, they are not able to provide me with any validation saying I owe them {$1200.00} I Have not received any previous mail from them., nor am i aware of what this debt consist of. 
I also asked for them to remove this from my credit report until further information is provided to me to validate, and they informed me they are not able to assure they can do this, making it a violation on my consumer rights.
Product: Payday loan, title loan, personal loan, or advance loan

I signed up for a {$500.00} personal loan from Moneylion. The personal loan agreement is for a 29.9 % annualized percentage rate in which I would pay {$22.00} bi-weekly until I pay it off on XX/XX/XXXX with the first payment starting XX/XX/XXXX. I signed up for this loan on XX/XX/XXXX. I was told I would get the funds by XX/XX/XXXX. As of XX/XX/XXXX I am yet to receive any of the funds. I have given my card information and my ACH information for my bank account so they can disburse the funds. Upon contacting them I was told that a resolution would be made and after several attempts, I did not get a resolution. After being frustrated, I asked to cancel the personal loan which was denied. Now it has been over 3 weeks since I was supposed to receive the funds and I can't cancel the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion XXXX XXXX XXXX Why is an error still reporting on my credit file? I have sent over many certified letters only to have a computer investigate continuously. 

I am sending this message in regards to the error that was n't removed off my credit file. This has been a problem for months and I have contacted my lawyer about this situation. You will be receiving an affidavit to appear in court and why. I have given you enough time to fix this error and the investigation but it seems that you guys insist on keep this error on my file credit. I can name more several Sections in the FCRA that you have broken according to FCRA. I never signed up for an apartment so i am not clear to what is going on or who placed this account on my report so I 'm filing two different lawsuits on TransUnion and XXXX XXXX XXXX
Product: Mortgage

My husband and I applied for mortgage assistance through our lender, Selene Finance, on XX/XX/XXXX. Our mortgage company contacted us yesterday, XX/XX/XXXX to tell us that we have been denied and that the reason for denial is that we do not make enough money to get assistance. We were told that our investor, XXXX XXXX, had made the decision to deny us ( which is untrue because it says right on the XXXX XXXX website that they are only the guarantor and do not make decisions of this caliber ). When I asked for the phone number for XXXX XXXX so I could call them, I was provided with the XXXX phone number and was told it was the HUD phone number. My husband and I have been going through some serious mortgage issues since about XX/XX/XXXX and every time we 've gotten close to having our issue resolved, our company has been seized by the government and we 've been transferred to another lender which has forced us to begin the entire process from scratch each time. We currently owe about {$240000.00} on a house that is only worth about {$150000.00} and we were looking for " HAMP '' style help to reduce our principal. My husband and I both work full time and we are both veterans. How is it possible that we do not make enough to receive assistance? If we made more money, we would not need assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was 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 update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM WRITING TO UPDATE/ CORRECT MY PERSONAL INFORMATION ON FILE WITH YOUR COMPANY. 

PLEASE UPDATE : MY ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX. 
MY ONLY LEGAL NAME : XXXX XXXX XXXX XXXX MY ONLY SOCIAL # XXXX MY ONLY XXXX : XX/XX/199XXXX XXXX XXXX I DO NOT WISH TO HAVE ANY TELEPHONE NUMBERS ON MY REPORT. 

PLEASE REMOVE ALL THE OTHERADDRESSES OFF MY REPORT, AS THEY ARE NOT DELIVERABLE TO ME BY THE U.S. POST OFFICE, AND THEY ARE NOT REPORTABLE AS PER THE FCRA, SINCE THEY ARE INACCURATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX Account Type : Revolving Revolving Account Type - Detail : Credit Card Credit Card Bureau Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$940.00} {$940.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$940.00} {$0.00} Credit Limit : {$600.00} {$600.00} Past Due : {$940.00} {$940.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the credit grantor. 
Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO CO CO CO CO CO CO CO CO CO CO CO CO XXXX XXXX XXXX XXXX XXXX OK OK XXXX XXXX OK OK Equifax RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit 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 purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und 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 federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding : report number XXXX I am a victim of identity theft. I am/have formally disputed an account ( s ) that I have learned has been made, opened or applied for without my consent and your company is now reporting such inaccurate information. 
I did not make this transaction or open or apply for this account and have not authorized anyone else to do so for me. In my original dispute date XX/XX/XXXX, I asked your company to investigate AND furnish me with your findings. I asked that the account be removed if you found no legal proof the account belonged to me and if the account did belong to me, I asked that your company furnish me with the full name and contact for the person who verified the account as accurate as well as a copy the agreement with obtained my legal wet signature showing that I authorized the account ( s ). 
Your company has done neither! Your company has provided me with NO proof your investigation! In fact, your company responded to my request by sending a computerized response to my OLD address, an address I have clearly giving your proof I no longer resided at, during my first dispute on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  was reported since XX/XX/XXXX after sold XXXX XXXX XXXX ( Original Creditor ) XXXX account shows twist and should be scheduled for depiction after 7 years which is XX/XX/XXXX. They still didnt schedule it
Product: Mortgage

On XX/XX/XXXX I received a notice from Freedom Mortgage XXXX that my monthly payment would increase by XXXX. When i received this, I made a call to them to let them know thi was a mistake. I have 4 parcels i pay taxes on, I sent them all 4 tax bills, which showed my payment should increase by XXXX. I spent 58 minutes on the phone with them and they told me this would be resolve in about 2-3 weeks, i spoke to XXXX ID # XXXX in the tax department. We discovered that there was a transposed # on parcel ID # XXXX ( accurate # ) They had XXXX whis is someone elses tax bill and XXXX more a month than the correct one On XXXX i spoke with customer care XXXX who informed me the issue would be resolved by XX/XX/XXXX this call was only 14 minutes long On XXXX I called again as i could see on my online account, this was still inaccurate, i refuse to pay XXXX out of my Christmas funds for a bill that is incorrect. I spent 52 minutes on the phone with XXXX who said she is a supervisor in the escalation dept. She informed me the research for this was done with the town and they have accurate tax information. Unfortunately, this is not true. She reviewed the tax bills in their system I had sent previously and said she would open a new research on this, that it would take 2 days and a manager would call me back. SHe said XXXX was the person she was giving my name to for a return call to me to let me know this was resolved. I never received a call. 

On XXXX, i still had not reeceived a call back, so i called again, i spoke with XXXX, who put me on hold for 14 minutes when i asked to speak to a suprivisor. I then spoke with XXXX ID # XXXX, after 15 minutes or so, she informed me this was their error and would be resolved by XX/XX/XXXX. I am hoping this is resolved by then. This has been the most stressful event i have had to deal with in a long time, i can not believe the stress they can put on an individual by making a mistake and not fixing it when they have the information in front of them. Its unnerving what they can get away with and no one governs them.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my FEDLOAN  - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Debt collection

There were 2 separate accounts from REVMD PARTNERS LLC placed onto my credit report XXXX 2017 showing as collection accounts. I was never made aware of any debts before placing them for collections in writing or otherwise. The original creditor name shows on my credit report as XXXX HOSPITAL. I have never visited or been to this hospital as it appears to be located in South Carolina.
Product: Credit reporting or other personal consumer reports

I loss my information about a year ago and just got everything back again, I been getting hard inquiries but I dont know what to do about them, and now its giving problems with my banking situation
Product: Debt collection

synchrony bank-account # XXXX after negotiating a settlement and sending a money order they informed me that the debt is past the statute of limitations and they wont give me my money back or remove it from my credit report I paid them {$490.00} they want update it to say paid in full or nothing how can I get my money back? synchrony bank. XXXX XXXX XXXX, fl XXXX I talk to XXXX & XXXX XXXX/XXXX/15 on around XXXX cst ) XXXX
Product: Debt collection

I received a letterfrom IC Systems on   XXXX     stating that I owed them {$250.00}. I dsputed this debt and send a letter for verification of the alleged debt. I never received a response from them and they inserted a collection account on my credit report on  X/XX/2017
Product: Credit reporting or other personal consumer reports

I want my account to be reinserted. I need that account on my credit report.