23daVinci/CFPB_Complaints huggingface dataset:
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 ( XXXX ). 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 ( EFTA ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Debt collection

On XX/XX/XXXX I received calls from a debt collector stating I owe a balance of XXXX which now is XXXX as of XXXX XXXX I have no knowledge or have nothing to down with this collection I have contacted the company but would not comply and request me too submit a Fruad report with the police I and threaten too damage my credit which that have done. I need this removed and fix immediately from my credit Company name is XXXX XXXX XXXX XXXX XXXX XXXX  and their original debt collector is XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding ZELLEs handling of disputes particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Spite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate. My claims adequately. They informed me recovering last funds was impossible and tracking the transactions was feasible. The CFPBs findings indicate that Zelle not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or TransUnion ) credit report, and I noticed some late payments posted on my credit report : XXXXXXXX ACCT # XXXX XXXX ACCT # XXXXXXXX XXXX XXXX # XXXX XXXX XXXX ACCT # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) 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. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deleted late payments to the referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed false reporting and inquiries I have not inquired about, on my credit report. I have mailed a request to  XXXX and XXXX XXXX to have the inquiry removed from my XXXX account. Have not received a response. I am requesting these inquiries be removed. Reported on XX/XX/2021
Product: Debt collection

I am writing to dispute a fraudulent account that is being reported by National Credit Adjusters for XXXX XXXX XXXX XXXX  on my credit report. I have no knowledge of this account, and I did not open or authorize it. I believe this account is the result of identity theft. I request that National Credit Adjusters for XXXX XXXX XXXX XXXX cease reporting this account and remove it from my credit report as soon as possible. 

I am currently taking steps to protect myself by completing the identity theft report and a police report. Please provide confirmation that this account will be removed from my credit report.
Product: Credit reporting or other personal consumer reports

This Complaint is Being Filed Against XXXX credit reporting agency and Bank Of America Financial Institution. According to the Fair Credit Reporting Act 15 USC 1681 section 602 it says " That it is of utmost importance that consumer reporting agencies carry out their responsibilities with honesty, clarity and respect for the consumers right to privacy. '' XXXX is a consumer reporting agency and I am the Consumer. I have the right to keep my personal information safe which is supported by 15 USC 6801 which says '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. The companies listed below are financial institutions by definition under that title. Bank Of America. 15 USC 1681 section 604 a section 2 says that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. The company listed below and the Consumer reporting agency XXXX do not have my consent to furnish this information and neither do they have my written consent. Any and all consent to XXXX the companies listed below whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) says that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The companies listed below ( Bank Of America, XXXX ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. I am now exercising my right to out of your reporting services.
Product: Checking or savings account

I recently had a payment for a bill come out of my Wells Fargo account around XXXX/XXXX/XXXX. I had meant for it to come out of another account. I am on a very limited income but I accepted that it was my fault. The account was overdrawn by approximately {$200.00} and an overdraft fee was assessed. I was making {$20.00} payments on it when I got paid every two weeks as this is all I could afford. While making payments, I received numerous calls from the collections department. I answered and spoke with a guy who tried to get me to commit to a larger payment than I could afford and on an exact date. I told him that I would pay what I could, when I could. I continued making my {$20.00} payments every two weeks, give or take a few days. About three days after the fourth payment, on XXXX/XXXX/XXXX, they closed my checking account despite the fact that I was clearly making regular payments and would have it paid off soon. Now it will reflect poorly on me in XXXX or whatever reporting agency Wells Fargo uses. I paid what I could as soon as I could and not sure what else I could have done when they closed my account.
Product: Credit reporting or other personal consumer reports

I am filing a complaint due to unfair practices as it relates to the furnishing of inaccurate consumer reporting information on my credit report in XXXX, XXXX and XXXX. XXXX stated that they would allow me to defer payments due to the nationwide crisis during that time ( COVID XXXX ), and promised to continue reporting my account as current to the consumer reporting agencies ( CRAs ), however, XXXX reported my account as delinquent during the deferral period which is in violation of the Fair Credit Reporting Act ( FCRA ), its implementing regulation, Regulation V, and the Consumer Financial Protection Act of XXXX ( CFPA ). These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I have contacted your company numerous times to get this issue resolved. Pursuant to 15 USC 1681 ( 2 ) '' ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; '' SHOULD BE EXCLUDED FROM A CONSUMER REPORT. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. The credit card is my Social Security card. This is the credit card I used to originate every consumer credit transaction. Your company has violated this law numerous times when you did not disclose if I wanted this reported on my credit report neither did you give me the option to opt-out of it being reported. This decision was not yours to make and therefore means you violated my consumer rights and the law. Have this account removed immediately from my credit reports. 
Account # XXXX
Product: Credit reporting or other personal consumer reports

I am writing this letter to exercise my rights as a consumer under the relevant laws, including the Fair Debt Collection Practices Act ( 15 USC 1692g ) and the Metro 2 laws, to dispute the alleged debt that you claim I owe. I kindly request that you provide me with verification of this purported debt. In accordance with the laws, I expect you to furnish proof that this debt is indeed mine. To satisfy the verification requirements, I demand a formal declaration, duly notarized, from an individual with first-hand knowledge of the matter, attesting to the accuracy of the statements and facts associated with this debt.

Since this debt is under dispute, I must remind you of your obligation to cease all collection activities, including any reporting to Experian, TransUnion, and Equifax regarding this matter. 
I hereby explicitly withdraw my consent for any form of communication from your agency. Additionally, I never authorized the release of my personal and private information to your organization, which raises concerns about aggravated identity theft. Moreover, I never consented to the reporting of any information in my name to consumer reporting agencies. 
Your non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act, by sharing my nonpublic personal information with nonaffiliated third parties without providing me with a compliant notice and opt-out opportunity pursuant to 15 USC 6802, further compounds the issues surrounding this matter. 
XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$6400.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX {$1100.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX {$6800.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$1700.00}
Product: Debt collection

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. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Equifax Credit Bureau but they failed to give me any results or feedbacks about this concern. Finally, there is no name associated with this file & needs to be deleted due to inaccurate info. Please investigate and remove it from my personal credit file. Thank you. 

( Original Creditor : ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX
Product: Prepaid card

This complaint pertains to the bluebird/serve debit card that I've had for several years. I requested a replacement card first week in XX/XX/XXXX as mine was damaged an didn't work half the time. The end of XXXX I still have not received a replacement card. I called the company to ask where my card was they even send me email that card. After making several calls to the company like XXXX to find out where my card was I was assured it was on the way. I've also sent two letters trying to find out where my card was. No response. My account is being kept XXXX by this company refusing to give me access to my money. They are refusing to cooperate with me telling me lies making promises to get me another card. I had enough of their XXXX. It's XX/XX/XXXX. I've given up on receiving a new card. This company needs to be shut down
Product: Checking or savings account

I disputed two transactions on my Wells Fargo Business Checking account on XX/XX/XXXX totaling {$2900.00} to two separate merchants, both a XXXX XXXX and XXXX  store. I did not make or authorize these transactions and have no knowledge of how these transactions came to be. I did lose or misplace my debit card, and I reported it to Wells Fargo immediately. Wells Fargo issued a credit to the account which I was gracious for because we run a small business and every dollar does matter. 

On XX/XX/XXXX the claim was reversed. I was not provided any additional information, no option to further dispute or escalate, and no recourse from the bank. I contacted Wells Fargo on the XXXX  of XX/XX/XXXX ( which happens to also be my birthday ), and spent two hours on the phone being transferred from department to department, but no one was able to provide me with further information, no one was able to further escalate my claim, and no one was able to help me to determine next steps. 

Unfortunately, this {$3000.00} is enough to put XXXX XXXX XXXX XXXX XXXX I have a XXXX  to pay, and I can not do it without being able to deposit payroll funds into my account. This amount is more than my entire payroll. It is disheartening and frustrating that Wells Fargo, such a large insititution which claims to care about it's customers but I am being offered no assistance and no one is able to help me to resolve this very important matter. We XXXX XXXX XXXX do not have the financial cushion some other larger businesses may have, and I am sure to a company that processes billions of payments this is just one amount for one customer but it is everything to us.
Product: Credit card or prepaid card

I helped my parents buy tires for their car when my father was ill. The tires came with {$100.00} rebate. My mother received the rebate in the form of a prepaid MYPREPAIDCENTER VISA card. My father soon passed after the card was received, and my mother gave me the card. I couldn't deal with it immediately, and put it in a pile of papers with my parent 's stuff. I found the card in XXXX of 2019, not realizing there was a expiration date on the card. I attempted to use the card at XXXX  on XX/XX/XXXX, the card was declined. I called and it said their was {$100.00} on the card, but soon realized the card expired on XX/XX/2019, the day before my attempt to use it. I called Prepaid XXXX number and somehow was able to get a " live '' representative. I explained in detail my situation, I even got my mother on the phone, to explain why I had the card in her name. He told me that they have to review the case, and they would get back to me in 7-10 business days, and that I might have to pay a small replacement card fee, and I said that was fine. 10 business days have more than passed, and no one has ever called me back. I gave them my cell phone number and address, with my work I can't always answer my phone, but never received any response. I have tried to call the only number they provide on their website and card, but it is only fully auto response, and tried every menu, and can not get a person to talk to. This is the case number the rep provided me when I called on XX/XX/XXXX - XXXX. I understand that the card expired, but I am hoping the funds are still available, either way, I am just hoping to get an answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX Account # 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
Product: Debt collection

I had an outstanding balance for a medical bill in the amount of {$240.00} that went to collections in XXXX, XXXX. Van Ru Credit Corporation had obtained the debt and seeked payment. I began paying off the bill gradually with a final payment of {$70.00} made on XXXX XXXX, XXXX. Once I made the payment, I received no more letters and phone calls. On XXXX XXXX, XXXX at XXXX ET, I received a call from Van Ru Credit Corporation requesting a payment for the amount of {$70.00}. I repeatedly told the representative that the balance had been paid in full with a Confirmation Numbrer verifying the payment made. The representative had then begun to harass me, completely ignoring that I had mentioned numerous times that I had made the payment. She then completely gave up and transferred me to a Supervisor who then seeked payment for the balance owed. I told the Supervisor 5 Times that I had made the payment and have a confirmation number. The supervisor kept over-talking me every time I said I made the payment. I then told the Supervisor either you accept the Confirmation Number or this call will end. I then gave the Supervisor the Confirmation Number and the call ended. On Friday XXXX XXXX, XXXX between XXXX and XXXX, Van Ru Credit Corporation called me repeatedly 4 Times. I then called them only to talk to another representative. I told her I made a Payment to bring the account Paid in Full with a Confirmation Number. The representative kept saying I still owe the money as she could n't find a confirmation number in my record and that I must pay it or the calls will not end. I asked the representative by request a Letter validating the remaining balance owed of {$70.00} and she kept ignoring my request and persisted in requesting a payment to be made. I then told the representative that By Law, I am allowed to request a letter in writing verifying and validating the debt owed to Van Ru Credit Corporation. The representative decided to say that a letter will be sent. I asked how long it will take to receive the letter? The representative said " When I get around to it, you will get 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 block 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 reciept. Ive already included this report in my previous complaint # XXXX and XXXX & I am including it again. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. Please delete the following items from my file : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX ; 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 ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance XXXX XXXX {$3400.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$430.00} ; XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent my letter off on XX/XX/2023. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 
Accounts XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX