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

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. 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 scam.The lack of accountability and transparency is unacceptable and raised serious concerns about consumer safety.
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 ( CFPA ). 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 the 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: Debt collection

XXXX sent me XXXX different emails. One for myself and 1 for someone. They are disclosing people 's personal information. This violates privacy for me and other persons information they sent me. They should also reach out to the customer in which they sent me their private information. This debt they are collecting is also more than XXXX XXXX XXXX. No letter or itemized statement has been sent of this debt to me XXXX people involved XXXX XXXX # XXXX XXXX XXXX # XXXX See attached email company sent me with the information
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer of the United States, I sent Trans Union a formal complaint in on XX/XX/21 about inaccurate and fraudulent information on my credit report that does not belong to me. I specifically listed their failure to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish. I also informed them that it is their responsibility to report only 100 % accurate information. I asked for a reinvestigation on 6 accounts. According to the FCRA, section 609 ( A ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. I demanded to see verifiable proof ( original consumer contract with my signature ) for the accounts listed below. I also let them know that I have been hindered in obtaining credit because of these inaccurate fraudulent accounts and under the FCRA, the accounts must be removed. Accounts to be removed immediately. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX : XXXX .They have not complied with the law or furnished any documentation with my signature as proof that these items belong to me. Delete this negative information from my consumer report. Their response was After careful review, we have determined your complaint includes a dispute of information appearing on your credit report. Consumer Relations will enter your dispute into our system and review all information and any additional documentation you provide to determine next steps. We may also need to contact the data furnisher to verify the current status of the account. If the item has been disputed previously and verified as accurate, we will review any new information you are able to supply to determine whether we can take action. Within 30 days, we will close out your dispute and advise you of the results in writing. TransUnion had the appropriate amount of time by law to verify these items ( via my handwritten signature ). They have yet to provide me with sustainable proof that these items belong to me. By law these items need to be removed from my report if the data furnisher did not submit proof. Trans Union is not abiding by the law and has the nerve to tell me that they need another 30 days. Delete these fraudulent negative items of my report.
Product: Consumer Loan

During the week of XXXX XXXX I contacted BMW Financial Services to process a payment for XXXX. I was out of the XXXX and unable to connect to the internet to process it online. I requested that the representative ( I believe his name was XXXX but can not recall ) activate XXXX since I am currently traveling out of the XXXX for work. He explained that I could do it online but I specified that I did not have access to the web. He confirmed my bank account was on file with BMWFS and that he could take care of it. Today I received a call from BMWFS stating that they have yet to receive a payment for XXXX and that my credit had been affected. I told them to draft it immediately. I stated that I had previously spoken with someone about this and they directed me to their credit dispute department because they could find no records or notes that anyone every spoke to me. After holding for about 30 minutes the call then disconnected without being able to speak to anyone. I 've yet to be able to get in touch with anyone to even speak to them about a dispute. I believe I was provided incorrect information regarding XXXX, as the second agent told me it can only be initiated only by my self as the account holder ( which is not what the first agent told me, UDAAP concerns here ). I have never had a late payment with BMWFS and am extremely irate that their mistake will put a blemish on my credit report. I request that they remove this immediately. I do not believe their credit dispute process is handled with the customers best interest. I will be visiting my nearest XXXX, writing to the OCC, and the FTC about this as matter as well. Not to mention that when I purchased the vehicle I was told that I could only buy XXXX insurance at the time of purchase ( when I knew that was incorrect ) and the APR was not stated to me until I asked for it all while I was being asked to sign documentation with out first seeing the rate first. Though this was a few years ago, I know this was also not a best lending practice. 

XXXX XXXX Account address : XXXX XXXX XXXX, XXXX, TX XXXX Phone number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Hard Inquiry/Unverified on my behave. I recently checked my credit reports with XXXX, XXXX, Transunion. I have one hard Inquiry from company : XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX ( XXXX ) XXXX. I contacted XXXX  .Have not herd back from any of this mentioned company.Regarding this issue.
Product: Debt collection

I have asked repeatedly for Credit Collection to provide me evidence that I owe them a contractual obligation. There is no such evidence because I have made no agreement and transfer of a contract does not give you the right to collect. Credit Collection has no authority to sell this information to the credit bureaus.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax stated that several inquiries were verified as accurate. I would like the documents or person they spoke with to verify this information. Failure to provide this evidence take this as legal notice I will be suing each consumer agency based on their own admission that their services are not authorized but paid to report personal transaction history of consumers. 

These inquiries are causing me damages. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

On I Was Denied Access To My Consumer Credit. In Accordance To The Equal Credit Opportunity Act this Is considered Discrimination. I will be Attaching supporting documents to support my claim.
Product: Credit reporting or other personal consumer reports

Disputed 2 falsely reporting Tradelines and fraudulent inquiries on my Experian Credit Report XXXX - Account showing {$1800.00} Balance - supplied bureau with proof that this account was paid in full and closed before record added to credit report. They did not perform an investigation nor did they delete this false record which is affecting my credit score negatively and they are aware of the XXXX point deduction this false record has caused. This account was opened in XXXX and closed XX/XX/XXXX with a {$0.00} balance... had they performed an investigation or reviewed the documentation I submitted they would have deleted accordingly as the dates/balance and historical payment information is incorrect or missing. 

XXXX XXXX XXXX - I have no business with this company. I had an account opened without my knowledge with their customer XXXX  by store after providing them with my personal details to open a XXXX XXXX Account. I requested removal of this fraudulent record. No investigation performed, no supporting documentation forwarded supporting their position to continue to report this false account. 

2 Fraudulent Inquiries ( FTC REPORT ATTACHED ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX attaching proof of my position : {$0.00} balance letter from XXXX dated XX/XX/XXXX ( fraud account opened in XXXX ) XXXX XXXX - attaching identity theft documentation
Product: Vehicle loan or lease

I currently have two payments left and I was advised that there will be a {$180.00} additional amount due. It was a 39 month loan and I made 37 payments. All of the payments were on time. I was told that the charges were from older payments that were late. I replied that a payment was never sent late and it was an error. Also, I was advised by another supervisor there that the charges will be removed, but the woman I spoke to yesterday advised me that the individual was no longer employed there. This amount is fraudulently added to my balance.
Product: Debt collection

I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a XXXX Credit Card Opened in My name on XX/XX/2013 ( 4 yrs, 4 mos ) Balance Owed is {$18000.00} which is 122 % over the credit limit due to interest charges and fees accurred
Product: Consumer Loan

I purchased a vehicle from Drive Financial, which was purchased by Santander Financial. In XXXX 2008 the vehicle was repossessed and sold. The company stated that there was a remaining balance owed. Therfore there has not been any activity on the account since the repossessed date. However, the manufacturer changes the active date, so that the account stays will not remove from the credit bureau. In the Equifax reports it reads " This information is generally removed seven years from the initial missed payment that led to the delinquency. Missed payments and most public record items may remain on the credit report for up to seven years, except Chapters XXXX, XXXX and XXXX bankruptcies, which may remain for up to 10 years. Unpaid tax liens may remain for up to 10 years from the filing date. Paid tax liens may remain for up to seven years from the filing date. Transferred accounts that have not been past due remain up to 10 years after the date the account was transferred. '' Please assist by removing this fraudulent information as an attempt to keep it on my credit.
Product: Debt or credit management

I entered a debt consolidation program after getting an email regarding a debt consolidation loan. I applied they said it wasnt a loan and I made payments since XXXX of XXXX. It has been XXXX months they are continuing to take money from my bank account when I thought they werent allowed to anymore after the lawsuit. I want all of the money refunded. I have reached out to the company I havent received a response yet. I have filled out. Stop payment and dispute for my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to remove and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be deleted as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I CONTACTED SEQUIUM ASSET SOLUTION @ XXXX & XXXX DUE TO THIS ACCOUNT SHOWING ON MY XXXX CREDIT FILE AND THE ACCOUNT IS NOT MINE AND DOES NOT BELONG TO ME. I SPOKE W/CUSTOMER SERVICE REP WHICH MADE HER MANAGER IN COMPLIANCE ( XXXX XXXX-MANAGER ) AWARE OF WHAT HAS HAPPENED AND THEY VERIFIED WHILE I WAS ON THE PHONE THAT THIS ACCOUNT IS IN FACT ( NOT MINE/DOES NOT BELONG TO ME ). I WAS TOLD THAT THIS ACCOUNT {$930.00} WHICH STATES WAS OPENED XX/XX/18 WHOULD BE PROMPTLY DELETED. CALL REF # XXXX. 
SEQUIUM ASSET SOLUTION XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX # XXXX EXT:XXXX ( COMPLIANCE MANAGER XXXX XXXX ) HAS NOT DELETED THIS ACCOUNT FROM MY XXXX  CREDIT FILE. I AM ALSO FILING AN ONLINE COMPLAINT WITH THE FTC.
Product: Student loan

I have attempted to pay for my loans 4 separate times since XX/XX/scrub>/24 and every single time it says " payment reversal ''. I have the funds in my account and all of the payment information is correct. I have accrued hundreds of dollars in interest since the first time I tried paying.
Product: Credit reporting or other personal consumer reports

Subject : Final Notice - Dispute of Unauthorized Collection Account on My Credit Report Dear Sir/Madam, I am writing to follow up on my previous correspondence dated XX/XX/year>, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( XXXX ) : **Creditor/Collection Agency Name : XXXX XXXX XXXX Number : XXXX **Amount : $ XXXX **Date of Account XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Ive made several attempts to all ( XXXX ) of these credit reporting agencies who has failed to respect and correct my request to correct and delete inaccurate information from the report they are furnishing. 
None of these accounts or creditors has provided with proper disclosure of 12 CFR 1016.7 - Form of opt out notice to consumers ; opt out methods. Therefore, there should never be any reporting of private information, transactions, or income on consumer reports per 15 U.S Code 1618 ( 2 ) ( i ). This company is reporting is my private business which has no permissible purpose per 15 U.S Code 1681b ( a ) ( 2 ).

I request that my state ID reflect my only address that's reachable to me per United States Postal Services.

Furthermore, for the following violations listed below and as a result to not remove inaccurate information. Experian is in violation of the following : 1. 15 usc 1681i ( 5 ) - Removal of Inaccurate Unverified Credit Information 2. 15 usc 1681e ( b ) - Compliance Procedures Maximum Possibility Accuracy 3. 15 usc 1692e - False or Misleading Representation 4. 15 usc 1692c - Identity Theft 5. 12 CFR 1016.10 - Limits on disclosure of nonpublic personal information to nonaffiliated third party 6. 12 CFR 1016.7 - Form of opt out notice to consumers ; opt out methods 7. 15 usc 1635 - I always have the right to recission 8. 15 usc 1681b - inaccurate false reporting 9. 15 usc 1681e ( b ) - Collection must be 100 % accurate across all ( 3 ) reporting agencies 10. 15 usc 1681b ( a ) ( 2 ) - Permissible purpose of consumer reports PLEASE SEE RECENT DISPUTES AND EXHIBITS WHERE VIOLATIONS AND INACCURUCCIES ARE FOUND.

*THIS IS AN INITIAL CEASE & DESIST ON THE ACCOUNTS THAT'S MENTIONED, COLLECTIONS, CLOSED ACCOUNTS INQURIES. 

Violations on reports : XXXX. This is not my name XXXX. There's ( XXXX ) Undeliverable Addresses on this profile XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX. Inquries that does not have a account associated with it has no reason to be furnished. No permissble purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. I also have several addresses that do not associate me that are showing up on my credit report. Please remove them as well.
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

moneylion has been taking out money from my account after I notified them on XXXX, 2023 after waiting an hour and XXXX minutes to speak to someone I informed them that they had misled me by taking money out of my account since XX/XX/XXXX and every month thereafter totaling XXXX per month for a monthly subscription for XXXX and some CREDIT BUILDER/credit reserve loan I never received ANY LOAN and I was told XXXX on XX/XX/XXXX that I was entitled to many perks because I paid for a monthly subscription, however they said they couldn't identify me and had no way to change that. I called back the next day XX/XX/XXXX and waited on hold XXXX hour to speak to someone named XXXX I informed him that I wanted my money back and that I was paying for a monthly membership and was not receiving and services and if they couldn't identify me how could they identify my checking account at XXXX XXXX to help themselves to my money, that told me that when the supposedly credit builder was a certain level that they couldn't identify me to give me my money??? the funny thing was XXXX informed me that you didn't have to have a membership to receive all of the perks anyway, therefore I demanded that moneylion return my credit builder/reserve to my account and do not take any more money out of my XXXX XXXX  account, and now on XX/XX/XXXX they have deducted more money without authorization. today the total is XXXX plus XXXX in NSF fees and I want my money back in my XXXX XXXX account ASAP this is a very deceptive company
Product: Credit reporting or other personal consumer reports

i have a bunch of old hard inquiries that i did not apply for someone must hack my info
Product: Vehicle loan or lease

I applied for a car loan in 2019 after that done used my identity to keep applying I havent had any help with the bureaus to remove the inquires
Product: Credit card

I got XXXX XXXX XXXX credit card XXXX years ago when I ordered my XXXX XXXX and a set up an auto payment to pay the amount and I did not use the card at all after that. 
Suddenly I am opening the app for the bank and i found the the amount has increased and when i called the bank they told me that the free of interest promotion has indeed XX/XX/XXXX XXXX and the charge me for {$2500.00} for interest and i did not know that and i did not receive any reminder and no one explained this terms and rule to me and i requested to please wave the interest since I called on XX/XX/XXXX and they have a grace period but they refused to help. 
I can not pay the interest as I did not know the rules and nobody explain it to me.
Product: Credit card or prepaid card

XXXX has been non-compliant with removing the unverified account BANK OF AMERICA which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that BANK OF AMERICA was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Checking or savings account

I have My Account on Hold for 5 months, I Can not receive or deposit any money on My Account. Capital one Wants to Close My Account but they don't Want to Return the XXXX and XXXX cents That was Left in My Account. I Contacted Capital one and the explanation they gave me was That I did not Qulified for the PP Loan. I Have Proof on Paper Work That I was accepted for the PP Loan and I was also forgiven for the PP Loan. I Have Co workers that was also forgiven for this Loan with a different bank. Cleary Capital one is the Only Bank given People this Problem. I am very sick with XXXX I have a Family and I am in Need of the Money I Left in My Account. Please Contact me at XXXX or at my Email XXXX for any further Question ore Proof, Thank You and Godbless. Sincerly XXXX XXXX