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

I am filing a compliant against Cash App XXXX Block Inc ) due to inadequate customer service and unfair practices, which violates the Customer 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 error resolution requirements under the Electronics 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, credit repair services, or other personal consumer reports

I recently submitted a request for investigation of several accounts, which you refused. I submitted enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate this account thoroughly enough the last time I submitted one. The other bureaus have already verified all of these fraudulent accounts and has removed that account. They have stated when I have called them, that they have contacted your agency numerous times to have the other account removed to no avail, often noting unreasonable hold times to get through to the fraud department. 

If you had investigated properly, rather than use your XXXX system, you would have known, that not only have ever been late on this account, but that I am not the owner of this account, though your company claims to have verified this. 

It is at this time that I will point out that in XXXX XXXX TransUnion, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX system that does not even contain my reasons for the dispute is not reasonable. 

Additionally, the following accounts do not belong to me and have been removed by the other credit bureaus and deemed fraudulent : 1.XXXX # XXXX 2. XXXX XXXX # XXXX 3. XXXX XXXX XXXX # XXXX 4. XXXX XXXX XXXX. # XXXX 5. XXXX XXXX # XXXX If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court. XXXX and Transunion refuse to allow me to dispute my accounts online anymore. 

I look forward to an expedient resolution of this matter, XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit card or prepaid card

I opened a 5/3rd Bank " Trio '' rewards credit card in XXXX. It has had a {$15000.00} credit limit, however the balance has never been more than {$9300.00}. On XX/XX/XXXX I paid the outstanding balance in full. This was so that I could lower my overall debt ratio and increase my FICO score to secure a new vehicle loan soon. 
On XX/XX/XXXX, 5/3rd Bank charged my account with an interest charge of {$3.00} without my knowledge. I never received a statement notifying me of this new charge, or new outstanding balance. I received no paper statement, electronic statement, email or phone call. Nor did I receive any notification that the {$3.00} had become past due on XX/XX/XXXX. 
Over the 8 years of using this card I have never once made a late payment or become delinquent. I have never been late or delinquent with any of my other credit card accounts or loans. I was only notified of the {$3.00} charge when I was alerted through my XXXX subscription that my credit score had changed on XX/XX/XXXX, due to a delinquent report by 5/3rd Bank for this outstanding {$3.00}. 
I attempted to resolve with 5/3rd Bank by speaking to two different supervisors. I explained that I was not aware of the charge, and that I would have paid if I had known. Their " system of record '' shows a statement was mailed out to my home address, however I never recieved a statement. And they refuse to acknowledge this or investigate why I never received a statement, and advised there is nothing they can do since their system says a statement was mailed. 
I am filing a complaint given the deceitful manner 5/3rd Bank applied interest charges to my account without my knowledge, then took negative action against my credit report. 
I am considering legal action as a violation of Regulation Z, and that I never received a statement or communication of this charge by the bank. Further, I am now unable to secure a new loan with the interest rate I needed because my FICO credit score was significantly lowered due to this deceitful delinquent report against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan with XXXX back in 2014, the vehicle was repossessed. In my credit report show, multiple entries cuz the account was sold to XXXX. I am eligible for restitution in the XXXX class action. Send letters to the credit bureau and XXXX and XXXX but didn't get any response from them. Negative reports are hurting me. Please help me follow up on them, and please have them remove the negative reports abt the auto loan. Thank you.
Product: Credit card

I recieved an Email from Paypal, XXXX  morning XX/XX/2024. It was a receipt for a purchase on my XXXX card { XXXX XXXX } that i had linked to my Paypal account for online purchases. I was surprised to see a charge for {$1200.00} from XXXX XXXX XXXX. I called Paypal XXXX morning XX/XX/2024, and reported the unauthorized charge. Today XX/XX/2024 paypal sent email to me, saying : Thank you for reporting this case. After our review, we found that certain transactions weren't unauthorized and hence couldn't be covered by PayPal XXXX XXXX. But paypal did provide me with a XXXX tracking number they recieved from XXXX XXXX XXXX, who handles orders for XXXX XXXX. XXXX 's tracking infomation states package was delivered to XXXX, XXXX  XXXX, and was signed for by XXXX XXXX. { who apparently stole my paypal credentials some how } and made an online purchase at XXXX XXXX online. I have documentation for Paypal tranaction receipt and XXXX proof-of-delivery for tracking number. 
My Paypal account Profile associated with this order will verify my name and address, i did not receive this order and did not sign for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
XXXX XXXX XXXX Inquiry : XX/XX/2019. 
XXXX XXXX XXXX, Inquiry : XX/XX/2019. 
WELLS FARGO DEALER S, Inquiry : XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX - XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : 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 : It also states a consumer reporting agency can not Furnish an account without my written instructions. 

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Product: Credit card

I am writing to seek assistance with an issue I am facing with Navy Federal Credit Union. I have a checking account with them that I use periodically and a credit card account that is currently closed but on which I am making regular payments. As of XX/XX/XXXX, a direct deposit of {$2100.00} was made into my checking account. However, the bank automatically transferred this amount to my closed credit card account. Despite being current on my credit card payments, the bank has refused to reverse the transfer. 

I contacted the bank to address this issue, but they informed me that, even though my credit card payments are up-to-date, they are not willing to reverse the transfer. I am seeking your assistance to resolve this matter. 

Thank you for your attention to this issue.
Product: Mortgage

In late XXXX I applied for a mortgage ( acct- XXXX ) forbearance due to Covid related health issues. I was granted reprieve and 3 months of mortgage payments are moved to the end of my loan. This essentially waived XXXX, XXXX, and XXXX. However, the escrow Aunt was not sort of that adjustment I was granted 5 years to balance out escrow. I was then scheduled to restart paying XX/XX/2022. I was not able to pay that month until XXXX. In which Case, I called in spoke with a collections representative and paid XXXX and XXXX together a total of {$2600.00}. This amount is not in dispute. I was told this would catch me up. I will then be able to resume normal payments. Therefore, in XXXX I tried to pay through app and could not so I called back in. I was then told that the issue was confusion around the escrow Carry over until I catch that Portion up it will look like Im behind. They then took the payment over the phone. I call in today to make my payment. I was on the phone for over an hour and still was not able to make payment. I was put from customer service to collections to loss mitigation, then ultimately told to leave a message for escalations. XXXX In single point of contact thinks there XXXX XXXX payment was misapplied so the payments Im packing are not posting to account. However, the frustrating part is I dont want to have to go through this each month. I feel it interferes with my account access and it increases the chance of getting a 30 day late. Such as today, Im attempting to make payment on the last day of month which is with in my right. But because of their internal issues they refused to collect although Im not behind they said talk to escalations and Im the meantime theyll send me a payment recap. We reviewed my payment from bank account with no discrepancy but still they refused. An error like this could cause s false foreclose. 
Customer service- XXXX. XXXX- single point of contact in loss mitigation
Product: Credit card or prepaid card

XXXX has processed refunds that Avant has failed to post to my account. I am reporting to you as in the past I have had issues with this same credit card. Although they eventually make the adjustments, they do not adjust the interest charged. 

XXXX PROCESSED REFUNDS DATE ORDER AMOUNT CARD NO. 
XX/XX/XXXX Refund : Order # XXXX XXXX XXXX XX/XX/XXXX Refund : Order # XXXX XXXX XXXX XX/XX/XXXX Refund : Order # XXXX XXXX XXXX XX/XX/XXXX Refund : Order # XXXX XXXX XXXX XX/XX/XXXX Refund : Order # XXXX XXXX XXXX XX/XX/XXXX Refund : Order # XXXX XXXX XXXX XX/XX/XXXX Refund : Order # XXXX XXXX XXXX XX/XX/XXXX Refund : Order # XXXX XXXX XXXX I am owed {$140.00} in processed refunds plus an interest adjustment. 

They have also reduced my credit limit from {$750.00} to {$500.00} for no reason. I have never been late on this account and normally pay in full. I also do not have anything negative reporting on my account. I had reached out to them but never received a response. As you know, any changes in credit limit impact credit scores. It is the only reason I do not close this account.
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To whom it may concern : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I dont believe the information to be accurate. 
1 Please remove the following inaccurate address from my credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 2 XXXX XXXX  # XXXX Please verify this account. 
3 NAVY FEDERAL CR UNION # XXXX Please verify this account. 
4 NAVY FEDERAL CR UNION # XXXX Please verify this account. 
5 XXXX XXXX XXXX XXXX XXXX # XXXX I noticed you are reporting multiple late payments on my credit history. I dont believe these to be accurate. Please check your records and verify the accuracy of each late payment being reported by your company. 
6 XXXX XXXX XXXX XXXX XXXX # XXXX I noticed you are reporting multiple late payments on my credit history. I dont believe these to be accurate. Please check your records and verify the accuracy of each late payment being reported by your company. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the Fair Credit Reporting Act unverifiable accounts must be removed. Please send an updated copy of my credit report to the address listed above after the conclusion of your investigation. 
XXXX XXXX
Product: Credit card or prepaid card

Bank of America agreed to remove a delinquent/late on my account. They told me to reach out to XXXX to have it removed. XXXX told me to reach out to the Consumer Financial Protection Bureau. The delinquent/late was for a secured credit card for the amount of {$5.00}. Used the card in error. Never received a billing statement. Caused my credit score to drop XXXX points.
Product: Credit reporting or other personal consumer reports

Victim of identity theft. Several accounts on credit report are not mine.
Product: Credit reporting or other personal consumer reports

I have a hospital charge on my credit. It is not mine and this is fraud. I have disputed it and they are still saying it is mine. I am hiring an attorney and will sue the hospital for everything they gave. This is wrong and its stealing and lying. I will not have something on my credit that is not mine. It is wrong. There should be prison time with heavy fines these people should have to do. The pain and suffering I am having to go through to get it off credit. They still say the bill is mine. Thats a lie. The hospital is XXXX XXXX XXXX in XXXX XXXX XXXX The company that filed this on my credit is Ability Recovery Services. They should have to pay a large fine along with prison time. When is this going to stop
Product: Student loan

Im XXXX, I requested all of the payments I made on my student loan to be refunded, along with many others. I was later sent an email stating the request was denied. I called them to clear it up and they stated that the request was submitted and it would take 4-6 weeks and that I would later get an email stating that the request was approved. As we are approaching XXXX weeks, I have called to check the status and there were no changes. My loan is still showing as paid off and every time Ive spoken to a representative, they have all given very different information and nothing is clear from how the payments will be refunded to the communication from Nelnet representatives, etc. others have received their refunds also with little communication from Nelnet. Their balances were reinstated before they received their refund and nearly XXXX weeks later my balance still shows no change. When I call for status updates, they act flustered and do not want to deal with it, hence why no information given is clear and I am perpetually confused about what is going on with my refund.
Product: Checking or savings account

Citibank-online checking account XX/XX/2022 Opened online checking account with Citibank Online XX/XX/2022 Funds deposited into Checking Account XX/XX/2022 Account blocked, I called customer service to verify transactions and was told my account would be unlocked in XXXX hours. 

XX/XX/2022 Account still locked and now online access has been blocked XX/XX/2022 I called customer service again and was transferred to the fraud department. I gave the information i was for to verify my identity and had code sent to my phone number. I was then to transferred to someone else in the fraud department who all of the sudden said they could not verify my phone number and hung up in my face after yelling at me. How could they not verify my number when the person i spoke to right before them sent a code to verify my phone number? this was the number i used when opening my account in the first place. 

XXXX XXXX XX/XX/2022 During this time I have called every day. a couple of the reps were nice only to transfer to someone who treated me unfairly and again hang up in my face. There was even an instance in which I asked one of the women that asked me to verify my number to repeat the number I gave her just to make sure there was no miscommunication and she told me she couldnt do that. Im wondering if that may or may not have something to do with this whole mess. Like maybe someone took my number down wrong on one of the phone calls? anyways, I was told several times that a reference letter would be sent to my address which never came. Is there anyone that can help? Please. 

Thank You, XXXX XXXX
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information Also Known As : XXXX, XXXX, XXXX Previous Address : XXXX XXXX XXXX XXXX, AL XXXX Employers : XXXX XXXX XXXX : XXXX XXXX Employers : XXXX XXXX XXXX Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally lodge a complaint against XXXX regarding the inaccurate reporting of an account named XXXX on my credit report. XXXX is reporting this account as a profit and loss write-off, which is incorrect.

I have requested a 1099-C form from the company, yet the reporting remains inaccurate on both XXXX and Equifax. Under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), furnishers of information are required to report accurate information. The discrepancies on my credit report are preventing me from obtaining necessary resources to improve the quality of life for myself and my family.

I also want to highlight that the inconsistencies in reporting may lead me to report this matter to the IRS for potential fraud. It is crucial that all information on my credit report is accurate and consistent, and in this case, it clearly is not. 

I kindly request that you investigate this matter and ensure that the incorrect information is removed from my credit report promptly. 

Thank you for your attention to this urgent issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX Transunion to dispute errors on my credit report some of them are extremely damaging negative information that is falsely reporting as derogatory or negative and was paid as agreed, transferred, and closed, never late and are too old to report anyway. I am showing 46 payments ever late because of it and it should be at least 10 or less maybe 0. There are several erroneous duplicate accounts showing before actual loan date was established as actual loan there was only 1 loan and the loan was paid as agreed transferred and closed is from XXXX and needs to be deleted. The actual consolidated loan from XXXX XXXX XXXX XXXX XXXX after XXXX XXXX XXXX is a {$50.00} a month payment for 10 months showing paid as agreed, transferred and closed as of XXXX XXXX. I am trying to correct payments ever late and length of credit from 12 years to 16 yrs. since the actual span of credit is 16 yrs. not 12. This should be reporting since they have record of my paid as agreed katahdin loan from XXXX but it still reports only 12 due to error. This is negatively affecting my credit score and needs to be adjusted immediately. When calling their customer service I am not able to successfully correct or dispute payments ever late or length of credit. I have also written a mailed dispute form requesting these changes and the removal of the accounts that are fraudulent too old to report are showing negative when paid as agreed and are erroneously duplicated with dates before the actual loan date came into affect. I sent a dispute to transunion at least 5 months ago and have not received a response or any changes to my information.When attempting to call their trueidentity transunion lines I end up with interception, unwanted listeners and am unsuccessful at filing the dispute or making changes over the phone.
Product: Prepaid card

Compensation in regards to missing funds from XX/XX/2023 to XX/XX/2023 total amount of funds missing was {$1200.00} it turns out XXXX XXXX used XXXX XXXX XXXX third party vendor failed to timely process the funds refunded on XX/XX/2023 and funds did not return until XX/XX/2023.