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

Im following 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 they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I obtained my consumer credit profile on XX/XX/2021 and discovered from XXXX and XXXX that BERLIN WHEELER INC. is alleging a balance owed in the amount of { {$380.00} }. Since then, the below mentioned company was given two ( 2 ) notices of claim dispute to verify their permissible purposes for intrusion, fraud, and damages to my credit profile and personal character. I have yet to receive a response. BERLIN WHEELER INC. is a debt collector pursuant to 15 USC 1681. I am a consumer defined by 15 USC 1681 seq. BERLIN WHEELER , INC., is not a creditor, and I have not applied for, neither received any services or credit with their particular entity. Therefore their intrusion in my personal credit file constitutes a willful and negligent violation of 15 USC 1681 ( b ) which would also be a criminal offense ( felony ) punishable under Title 18 USC, the penalty being a fine and or two years imprisonment, and a civil liability exists within 15 USC 1681 ( n. ) This violation may also constitute a tort claim for identity theft. Again, this reporting is unlawful and I am requesting immediate removal.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and as a result, fraudulent accounts and inquiries have been added to my credit file. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these fraudulent accounts and inquiries be blocked and deleted from my credit report.

The following fraudulent accounts and inquiries have been identified : Fraudulent Accounts XXXX. XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$3000.00} XXXX. XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$3800.00} XXXX. XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$440.00} XXXX. UNAUTHORIZED COLLECTION - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$130.00} Fraudulent Inquiries XXXX. XXXX XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX. XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX - XXXX Date : XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/, I opened a new gold american express credit card cause I saw offer of XXXX bonus points if I spend {$4000.00} in first 3 months. I got approved but they said I won't get bonus points, I was so confused. When I received the card, I called A/X to verify if I will receive the bonus points as they advertised on XXXX or not. The lady ( A/X representative ) firmly confirmed that I surely will get the bonus points. When I completed spending {$4000.00} I called them to get the bonus points, they said I won't get it, they also said will check the recording if the rep confirmed that or not. Couple weeks later, I called in & checked about my bonus points again. They confirmed the lady offered me XXXX bonus points on the phone by checking the recording, they said it as a mistake & I won't get any bonus points. They mislead information when offer me bonus points, I should had cancel the card at the beginning if they told me I won't get any bonus points, I have been charged {$250.00} membership fee for nothing due to their mislead information. 
conclusion : I need XXXX bonus points deposit to my account asap as they promised when I opened the new card which was offered & confirmed by their representative when I called in, it was recorded in their system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont have access to my credit score, security freezze and disputing thing online with experian since XX/XX/2022 I keep calling them but they never tell me what is going on and they say that they are going to fix it but never fix it
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

The payment history of my account is not correct. The report shows that I was delinquent for XX/XX/XXXX payment ( XX/XX/XXXX being 30 day cutoff for 30 days past due ). My car was deemed a total loss by XXXX XXXX due to accident on XX/XX/year>. ( XXXX actually happened in XXXX ) but it took till XX/XX/XXXX for total loss determination during which time I continued to pay loan even though the car was undrivable and at auto body facility. XXXX XXXX then sent letter to me ( attached ) that the loan was to be paid off directly with my loan holder ... XXXXXXXX XXXX. I received a letter stating the loan was entirely paid off on XX/XX/XXXX. 8 days before a 30 day delinquency which I was monitoring very carefully to avoid any late payments. Due to an error by my insurance company however they never notified me that XXXX rejected this payment because it was short {$92.00} ( out of {$58000.00} ). However... they did send a {$58000.00} payment. After sending me attached letter stating loan was paid off neither XXXX nor XXXX informed me it was not posted to my account and still in process. And even though my insurance company sent {$58000.00} XXXX deemed my account to be 30 days delinquent because their system did not accept the additional {$92.00} until after the XX/XX/XXXX XXXX delinquency cut off. However ... .again ... It was communicated to me that my loan was paid off and no further payment was required. I have NEVER had a delinquency on my auto loans. As you can see from my history I paid on time every time. This is an error on my insurance companies fault and Truist never communicated with me it was not paid off while they were working through the process. XXXX XXXX even got on the phone with XXXX and indicated it was not my error... but an error between XXXX and XXXX. In speaking with XXXX they agreed this delinquency was not my error and would reach out to credit bureaus to correct. However... they have now declined to help me. After escalating to management they are now taking the position it was not their error and refuse to help me any further. Prior to this issue I had a credit score of XXXX. Overnight it went to XXXX. This has severe financial consequences for myself and family thru no fault of my own. This is very harmful and I do not feel due to my insurance companies mistake and lack of communication from Truist I should be held responsible for this delinquency when I have a spotless payment record. Thanks you for you consideration.
Product: Money transfer, virtual currency, or money service

The Chime Bank account they say I have was overdrawn and i never had one the only account i have is a XXXX XXXX That you can get and load at a XXXX. 
THIS WAS OPENED DUE TO A DATA BREACH OF MY INFORMATION FROM ETHER XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please repair/correct the accounts listed below : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX
Product: Credit card

I applied for the GM Business Mastercard and uploaded my passport card as identification. I received an email stating only a driver 's license or state ID can be used. 

I am XXXX and do n't drive and use my passport card or passport for ID since it lasts 10 years and I don't have to keep renewing every few years. 

GM customer service refused to accept a federal ID that I have used for employment, to open a bank account, to fly around the world, and to fly within the United States. 

This harms people that are XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Balance displayed on all 3 Credit Bureaus of {$4100.00} for Mercedes Benz Financial Account # XXXX is incorrect, balance is {$0.00}. 

In fact, I prevailed in a Civil Action both personally and for my corporation in XXXX XXXX FL XXXX XXXX Circuit Court, XXXX  XXXX, Case # XXXX disputing their disingenuous claim of {$4100.00} and was granted a DISMISSAL WITH PREJUDICE in my favor. 

No balance is owed, {$0.00}.
Product: Debt collection

I had a debt that I did not know about until I heard from the collection agency from a leftover ambulance payment when my XXXX XXXX XXXX XXXX. I paid the max deductible from my insurance company so I should not have had any lingering medical bills to pay for in the first place. The day I heard about this debt I called the agency to pay my debt. I specifically requested on the date of the call that if I could pay off the entire debt that it would be completely removed from my credit history. The original person from national service put me on hold to check with XXXX the manager to assure that the negative report to my credit would be removed. The company told me if I paid in full that it would be taken care of and have no penalty on my credit report ( XX/XX/XXXX ). I called the company back asking for them to give me a letter on their letterhead that my debt should be removed so I can work this with the bureaus and clean this up myself as they never did. They agreed on XX/XX/XXXX to give me this letter and they have not given me this letter back. This has caused my credit score to drop 120 points. Please request a copy of my recorded call from XX/XX/XXXX as proof of this interaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian multiple times over the last few months to correct the inaccurate reporting of account : XXXX  # XXXX. My credit file concerning this account states it was opened on XX/XX/XXXX. It also does not reflect the monthly payment amount. It further state that this account was discharged through Bankruptcy Chapter XXXX on XX/XX/XXXX. All these things are being reported incorrectly. 

The documents I have included clearly shows that XXXX didn't report a payment in XXXX and actually stop reporting payments after that month because they account was paid in full after XXXX. There is also an address that does not show on my credit report and never have been on my credit file. As of XX/XX/XXXX when I received this document there was no chapter XXXX bankruptcy indicated associated with this account. Experian using address identifies to cross reference accounts on my credit file and this is a great example of them not following their own cross referencing for verifying account information on my credit file. The only item being reported on the included document is the phone number.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Data Breach Impact I am writing to urgently address fraudulent accounts that have been opened in my name due to the Equifax data breach. As a victim of this breach, I have identified several unauthorized accounts associated with my Social Security number, which I did not open or authorize. For your reference, I have attached a copy of my Identity Theft Report. The details of the fraudulent account are as follows : XXXX  # XXXX XXXX  # XXXX XXXX  # XXXX In accordance with 15 U.S.C. 1681c-2 ( a ), I demand that this account be blocked and removed from my credit report within four ( 4 ) business days of receiving this letter. If you fail to adequately resolve this issue within the required time frame, I will consider taking legal action and pursuing damages of {$1000.00} per violation under 15 U.S.C. XXXX. This action will include claims for the following violations : Defamation of Character Negligent Enhancement of Identity Fraud Violations under 15 U.S. Code 1681o, 1681n ( b ), 1681b, 1681c, 1681a ( 4 ) Failure to comply with 15 U.S. Code 1692 ( g ) Violation of 15 U.S. Code 1681ii ( 7 ) ( Method of Verification ) This matter is extremely time-sensitive, and I appreciate your immediate attention to this dispute. Please confirm the removal of this fraudulent account promptly
Product: Money transfer, virtual currency, or money service

I had a transaction fail on the Coinbase exchange on XX/XX/XXXX for 2 {$500.00} dollar deposits. I have now made sure that I was able to cover and I can but I can't reinstate my bank account on the Coinbase app and I am being refused to trade and interact with my money on the exchange. I am essentially stuck amid the increase in XXXXXXXX XXXX price. The company lacks capable customer support and is slowly responding to emails and XXXX posts. I just desire a resolution to this situation. 
I have already addressed it with my bank and they said that my deposits went through so I am unsure as to what the problem truly is. 
The case numbers are Case # XXXX and Case # XXXX. I am hoping to see this resolved in the near future and will not be doing business with Coinbase again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am furious with XXXX XXXXXXXX XXXX XXXX XXXXXXXX. I'm in the process of purchasing a home so I contacted them XX/XX/XXXX because they reported I did not make a payment for XXXX is which I did totaling {$320.00} for XXXX. The Month ending limit on my credit report shows a {$430.00} owed to XXXX XXXX when in fact I've already made my payment on XX/XX/XXXX. Now I have not only over draft but credit reporting at XXXX and my Limit is XXXX a month. They were supposed to contact me within 10 business days for an update. I have yet to receive any updates as I've called several times getting the run around. Now it's XX/XX/XXXX they are now reporting I only paid {$150.00} showing a balance of {$250.00} for XXXX payment when in fact I've paid {$270.00} for XXXX ( first payment was {$100.00} on the XXXX and second payment for {$170.00} on XX/XX/XXXX ). My ending balance is showing {$250.00} which I had no late payment charges. I am livid with this company lying as if I hadn't paid anything. The mortgage company is hounding me in which I've hounded these people for the last month. Still nothing is correct on my credit report. I need them to make the correct changes showing my limit is {$400.00} and my balance was {$120.00} for XX/XX/XXXX. This information they are stating is completely incorrect. They are holding up my home buying process. I need this fixed today!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, XXXX XXXX XXXX  XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX  XXXX : {$110.00}
Product: Student loan

My name is XXXX XXXX, i am a Federally Protected Consumer. On XX/XX/2022, Federal Loan Servicing was sent a Cease and Desist Notice which was received by their office on XX/XX/2022. Within the notice, I asked for an audit trail of all of the alleged accounts for " Validation '' purposes. Of which they have to send me according to 15 USC 1692 ( g ) or be in violation of federal law. I have not received any correspondence or audit trail from them. Audit trail may be sent via postal mail or through a private link via email.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of certain information on my credit reports maintained by TransUnion and XXXX. The details of the accounts in question are as follows : TransUnion Report : Account # : XXXX Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX XXXX Report : Account # : XXXX Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX Upon reviewing my credit reports, I have identified discrepancies between the information reported by TransUnion and XXXX regarding the above auto loan account. Specifically : Date Opened : TransUnion reports the account as opened on XX/XX/XXXX, while XXXX reports it as opened on XX/XX/XXXX. 

Date Last Active : TransUnion reports the account as last active on XX/XX/XXXX, whereas XXXX reports it as last active on XX/XX/XXXX. This slight discrepancy in reported dates of last activity requires clarification. 

These discrepancies violate the Fair Credit Reporting Act ( FCRA ) in the following ways : FCRA 611 - Accuracy of Information : The inconsistencies in reported dates of account opening and last active dates suggest a failure to maintain accurate consumer information. 

FCRA 623 - Duty to Correct and Update Information : According to FCRA 623, CRAs must promptly update and correct inaccurate information upon notification by the consumer. The discrepancies noted above indicate a need for immediate correction and updating of my credit reports. 

Furthermore, under FCRA 611 ( a ) ( 5 ) ( B ), inaccurate information must be promptly deleted or corrected by the consumer reporting agency after receiving notice of dispute from the consumer. Given the discrepancies noted above, I request that TransUnion and XXXX promptly delete the inaccurate information from my credit reports. 


I request that TransUnion and XXXX conduct a thorough investigation into these discrepancies as required by FCRA 611 and promptly delete the inaccurate information from my credit reports. Please provide me with the results of the investigation in writing and confirm when the corrections have been made. 

Additionally, I kindly request that you send me a free copy of my updated credit report once the corrections have been made. 

Thank you for your prompt attention to this matter. I look forward to your timely response.