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

I am filing a complaint against CashApp ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically CashApp 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 ( 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

XX/XX/XXXX To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( XXXX ) that contain errors : The following personal information is incorrect NAME : XXXX XXXX XXXX XXXX EMPLOYER : XXXX XXXX AND XXXX XX/XX/XXXX EMPLOYER : XXXX AND XXXX XXXX XX/XX/XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EMPLOYER : XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX EMPLOYER : XXXX XXXX  EMPLOYER : XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX  MD XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX, MD XXXX PREVIOUS ADDRESS : XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX In accordance with the Fair Credit Reporting Act, I hereby request an investigation into these items and their removal from my report. I understand that you are obligated to verify these items with the respective creditor. Please eliminate any information that can not be verified by the creditor. I am aware that, as stated in 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 15 days of receiving this letter. 



Thank you for your attention and assistance in resolving this matter. 

Sincerely, XXXX XXXX
Product: Credit card

I have been told the company no longer allows its credit card customers to change the payment due date. When I asked how can I prevent from being charged late fees if you wont adjust the due date to coincide with the payment I am making? I was told to put aside more money.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX After reviewing my credit profile, this account is tremendously hurting my score. XXXX XXXX XXXX is still showing open when it has been paid and closed in entirety. They are also reporting an inaccurate balance and payment history amongst all XXXX bureaus which is in clear violation of federal law. They are violating my consumer rights by reporting false information to my credit report.

Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete This account needs to be deleted immediately
Product: Checking or savings account

The Vio Bank Beneficiary Policy discriminates against Elderly and XXXX  by putting a heavy burden ( actual Physical pain/suffering ) discouraging them to deal with them.
Product: Debt collection

IC System has attempted to collect on a debt REPEATEDLY that they have not validated, even through they were sent a letter of validation on XX/XX/XXXX, they have continued to report negatively to my credit profile. 

My current report has a listing and/or listings, in which, has not been validated by your company per request per the FCRA 623 ( a ) ( 5 ). I am writing to request validation of the debt referenced in your correspondence dated XX/XX/XXXX and XX/XX/XXXX in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. This letter serves as a formal request for verification of the debt, and I request that you provide the following documentation : 1. **The original contract or agreement** between myself and the original creditor that establishes the debt. 2. **A copy of the assignment contract** ( or written agreement ) that evidences your legal right to collect on the debt. 3. **A complete statement of the account**, including the amount of the debt, the date it was incurred, and any interest or fees that have been added since its origination. 4. **Any judgment or other legal documents** that support your claim to the debt, if applicable. Under the FDCPA, I am entitled to request validation of the debt. If you do not have the requested documentation, or if you can not verify that you have the legal right to collect this debt, please immediately cease all collection efforts and remove any negative reporting from my credit history that is related to this account. Please respond to this request in writing. I look forward to your prompt response. Be further advised that I am closely monitoring my credit profile. Per the Federal Law, you have exactly 30 DAYS to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). 

Without even validating this debt, this company has negatively reported to the credit bureaus which has obviously impacted my credit report negatively, and which is a CLEAR violation of my consumer rights, per the XXXX law
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account on my credit report needs to be removed as I am no longer on the account, as an authorized user, and it is affecting my credit score. The account needs to be removed from XXXX  and Equifax. I have enclosed the letter from XXXX XXXX. 

Thank you in advance for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX I received a credit report and discovered that some information was is inaccurate or did not belong to me. I competed the online dispute form and submitted it. Four ( 4 ) of the disputed items were successfully submitted as being inaccurate telephone numbers and inaccurate XXXX information. However the disputed address where I never lived was not accepted and was instructed to telephone Experian to correct this issue. 

I immediately telephoned Experian at XXXX XXXX XXXX XXXX and waited on the telephone for approximately 45 minutes only to be transferred to there dispute department. But while on hold for for the dispute department for another 15 minutes I was disconnected. 

Today, XXXX XXXX, XXXX I telephoned again with a hold time of approximately one hour but but to no avail and experian.com/upload as suggested on there form is useless.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts, i have never applied for these. 
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres 3 fraudulent credit inquiries on my credit report
Product: Credit reporting or other personal consumer reports

This is XXXX of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX  XXXX Balance {$3100.00} XXXX  XXXX Balance {$9100.00} XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently got a copy of my Experian report and noticed and unfamiliar account with a bank I've never used. XXXX XXXX is furnishing a fraudulent account on my report with no 30-day notice. I know that is a violation of my rights pursuant to 15 USC 1692g because I was never given a chance to see the debt nevertheless challenge the validity of the debt. I have attatched an FTC Identity Theft Report.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. The following items are listed below : XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/
Product: Credit card

Hello, I have fraudulent charges on my credit card and I reported this to Capital one in XXXX when it happened and on XX/XX/XXXX that it was resolved and either I or someone that I know benefited from this charge. I was not there and even the state has had to come in because I keep being robbed by XXXX XXXX XXXX aides and adult social services was called by someone so I am not lying when I say the charges are fraud and Because the card was put back in my possession they are saying that I made the purchase. I did not, XXXX XXXX XXXX XXXX XXXX  and in XXXX restaurants, bars, or XXXXXXXX XXXX  are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I wasn't there, XXXX XXXX XXXX, I am in There is no way I can go into any of those places as XXXX is not XXXX XXXX XXXX place. Every month capital one has put late charges and finance charges on my account for these disputed fraudulent. I was told that I had to go outside of Capital one to get help for those fraudulent charges. The whole reason to get the card was customers would not be held liable for unauthorized charges and I didn't authorize those charges. I thought I was protected from things like this. If an aide uses my card and puts it back, what am I supposed to do. The aides know I suffer from confusion at times due to my XXXX XXXX XXXX and they take advantage, because i won't remember that they had my card to make a purchase for me from the store or a concession stand. NYS department of XXXX XXXX XXXX can verify that I have been having issues with all sorts of issues with theft with these XXXX XXXX XXXX aides that agency sends. They received anonymous tips that this was happening to me and started an investigation without my knowledge. This thing is affecting my credit report as well as putting bad marks on my account. I have never paid finance charge or a late fee and they keep charging these fees every month while they purchases were in dispute. It is not fair. i asked to speak to legal and was told I could hire an attorney and take care of it outside of capital one. It has to be illegal to make false reports to the credit bureau as the balance left isn't mine. Yet, they have been doing it every month. They did not help me and left me stuck with this charge and providing none of the services in their terms and conditions/Help. I need help as I don't know what to do and I have hit a brick wall. I read the terms and conditions and no where does it say what the rep XXXX in the fraud department. XXXX told me that I need to contact attorney for help XXXX captial one does not handle fraud with the card back in my possession. No where in the terms and conditions does it say that and when I said it to latania and asked for legal, she told me to contact an attorney and that they don't have a legal dept. Now I am stuck with a charge I didn't make and I've never called capital one about this type of stuff ever. I pay my bill in full every month before its even due. I feel that they're not following their contractual obligations that they made with me when i agreed to open a line of credit with capital one.
Product: Debt collection

I have disputed a debt within 30 days of receipt of my initial notice ; however, the company still reported 2 months later to credit agencies. As a result they have damaged my credit and my reputation.
Product: Money transfer, virtual currency, or money service

XXXX XX/XX/2022 my Zelle profile was inexplicably locked. Both my phone number and my email address were flagged as ineligible for use with Zelle. I contacted my bank ( XXXX  ) in an attempt to resolve the issue through them. XXXX told me they would work to resolve the issue with Zelle and everything would be fixed within a couple of business days, I waited two weeks with no resolution. I filed a support ticket with Zelle directly about this on XX/XX/XXXX, however despite the assurance on Zelle 's website that someone would contact me within two business days I never received any response. After calling my bank nearly a dozen times they were finally able to inform me that a person I had never met claimed I was guilty of {$250.00} of fraud, the claim was filed through a bank I had never done any business with ( XXXX  XXXX ). XXXX told me there was nothing more I could do and that I needed to call Zelle directly. 

I called Zelle, their customer service representative told me I should just file a support ticket through their website. When I told him that I had already done so over a month ago he told me that meant I should just figure out a different way to send money. 

My family and myself previously relied on Zelle to pool money into one bank account in order to pay rent. Zelle 's sudden locking of my account without warning caused some funds to be held 'in limbo ' for a few days, causing enormous financial hardship on all of us. 

Zelle promises to be a " Fast, safe, and easy way to send money '', however they have instead been a slow, insecure, and fraud-ridden way to make money disappear.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection agencies ( XXXX XXXX XXXX XXXX ) have added a collection to all XXXX credit bureaus and I do not owe the original creditor who is XXXX XXXX.
My insurance paid the balance many years ago and now I have had two separate collection agencies trying to collect a balance of {$940.00} that they claim I owe. I do not owe this amount and I have the proof.
I requested proof from both collection agencies and this is what I received from both of them.
XXXX, Experian and XXXX only reduce the debt owed to a XXXX balance but leave the collection on my credit.
I want it completely removed. I do not want the next collection agency who receives this to be able to add it as a valid debt. I owe a XXXX balance and their own evidence proves it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) 3 CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account with my written instructions.

15 U.S.C 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; MI XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Items to Dispute Personal Information Also Known As : XXXX XXXX Also Known As : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX Collection/Charge Off XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$400.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX A ) XXXX XX/XX/XXXX {$400.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$440.00} THE BUREAUS ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$580.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$440.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My car insurance company informed me that it will add an additional driver to my car insurance. They insist that LexisNexis reported to them that there is a new member of our household. There is none and there never was such a person. It is just myself and my wife ( both retired ) sharing XXXX car and residing alone at this address for XXXX years. After several days of back and forth with my insurance agent I was advised to deal with LexisNexis directly. How do I prove a non-existence of someone, he did not know. 
I can send you all the supporting information in the PDF form if you provide e-mail address to send it to.
Product: Mortgage

SPS say that a Covid related Hardship is honored and can be considered for Assistance from loosing home to foreclosure however when I submitted such information I was denied for assistance with no real detail of why just generic that could not be fact checked.Also the original repayment program I was on I missed two payments out of the 12 due to a Covid related Hardship and the Repayment agreement did not say such could not be considered. When I ask SPS customer service representatives of such they dont have a answer. I even asked if I could get a forbearance for those two months giving circumstances of the hardship in which the to no avail with the SPS customer service rep. I then proceeded to ask for a forbearance for those two months via the SPS representative email in which I got a generic standard email reply to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently went over my credit report to check for any discrepancies and Ive noticed a few inquiries on my Experian credit report that I dont have an account with. The account looks like its with XXXX XXXX.
Product: Student loan

I sent Navient, a total of 11 checks, in ( 1 ) envelope ( the same ) payable to Navient, totaling {$34000.00}, via USPS, Express Mail, on XX/XX/2018, to payoff my Student Loans. 
{$460.00}, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 
Each check has my name, dollar amount, and account number written. 
Navient, only posted 1 check for the amount of {$240.00} to my Student Loan Account, on Monday, XX/XX/2018. 
My account is now showing past due amounts, and Ive been unsuccessful with telephone conversations with Navient customer service representatives. 
Im totally frustrated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted several times the Credit Bureaus XXXX, Transunion, and XXXX  asking them to verified this misleading information, each of credit reporting agencies has a different amount on my report, XXXX  {$1000.00}, XXXX  {$1000.00}, Transunion {$1000.00} They keep sending me a response that the account has been verified. I have contacted the collection company several times ( XXXX XXXX XXXX ), I obtained the contact address from my XXXX  report and send them a verification letter of the collection. and the letter was unable to forward because it was an inaccurate address. Obviously XXXX  has an misleading information on my credit report ( wrong collection information, address, amount of debt, etc ) and also XXXX, refused to delete old addresses in my credit report that way I avoid Identity Theft. 
Some how the collection company contacted me and sent me a statement attempting to collect a debt with different amount as well {$95000.00}. I noticed on the statement I'm a joint account holder of an apartment lease. I ask them for verification and until this day they just keep sending me the same statement with no other explanation or contract with my signature, etc. 
XXXX XXXX, Transunion has inaccurate information and failed to verified account and XXXXXXXX XXXX XXXXXXXX is attempting to collect a debt that is not mine. 
I request them to remove it from my credit report immediately. 
I also Filed a Identity Theft Report Thank you, Look forward for your response.