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

I am filing a complaint against Cash App ( Block, Kic. ) ( to i equal 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 0:30was untair and deceptive, as they disonor E 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 ( Block, Inc. ) due to inadequate customer service nd ( 19air pruttides, Wich 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 0:39comply with err. resolution requirelitents '' 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, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name - XXXX XXXX XXXX XXXX XXXX XXXX  Account name - XXXX XXXX XXXX XXXX XXXX XXXX  Account name - XXXX XXXX XXXX XXXX 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 make make any consumer report containing any of the following items of information any other adverse item of information, other than records of convenience of crimes which antedate 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 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. 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. Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX Acount name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX XXXX  Account name : XXXX  XXXX XXXX XXXX Account name : XXXX  XXXX # XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX XXXX # XXXX name XXXX XXXX XXXX # XXXX **** Account name XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Account name : XXXXXXXX XXXX XXXX XXXXXXXXhas violated my rights. 
I looked at Experian credit report on XXXX XXXX and noticed somethi '' ngs are incomplete and not accurate.And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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

To whom it  may  concern, I mailed a Multiple Inquiry Removal Letter on   XXXX   XXXX    2017  by certified mail in order to dispute information, in regards to   XXXX  h ard inquiries, that was being reported on my credit report. They received the letter on   XXXX   XXXX  2017    and they completed the request on   XXXX   XXXX  2017.  The request that I submitted included   XXXX   Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA  623 ( b ) ( 2 ) and 611 ( a ) ( 1  ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 8 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Report is showing inaccurate information. I have reached out the the reporting agencies ( Equifax, XXXX XXXX XXXX ) Several times to have this issues resolved. The only response I receive is the dispute has been completed and the account has been verified. 
All 3 reporting agencies are showing different : 1. Account Opened Dates 2. Account Activity Dates 3. Payment Status Dates This account has been re-aged by the credit bureaus and this is a major violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Investigation Request Letter To whom it may concern I received a copy of my consumer report in pursuit of trying to improve my consumer report and noticed a few accounts that i wanted a little more explanation on. I am not saying they are reporting rigjt or wrong im saying i am not 100 % sure if they are. The Fair Credit Reporting Act gives me rights to challenge anything i am not sure is accurate. In 15 U.S.C Sec. 1681 i ( a ) it states if you caint provide proof these accounts must be deleted if they are not 100 % accurate. So I would like these accounts properly verified and removed if there's anything missing. Also According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
And i have not gave any written instructions to furnish anything on my consumer report XXXX XXXX XXXX XXXX Please investigate if every piece of information is correct if not please remove it from my consumer report XXXX XXXXXXXX Please investigate if every piece of information is correct if not please remove it from my consumer report
Product: Credit reporting or other personal consumer reports

This morning, I was completely caught off guard when I found inaccurate accounts on my credit report. I dont understand how this happened. I check my report often, and nothing like this has ever come up before. I refreshed the page, hoping it was a mistake, but the accounts stayed there. Im asking for a thorough review of the documents I sent so I dont have to keep stressing over this.
Product: Credit card

This is ANOTHER example, of my statements, the information, JUST BEING SO SO SO SO SO WRONG. 

I want $ XXXX for ALL THE TIME wasted on THIS NONSENSE, the {$2500.00} should pay off the remaining amount that I need to pay DFS XXXX whatever is leftover- XXXX 's just categorize it as time lose, both on my part and from all the different parties that have been contacted by be. 


How can a dispute that was REFUNDED- be claimed as a valid charge? Unacceptable- I can not micromanage this account anymore, {$2500.00} to no longer deal with this headache and for me to end my membership- so DFS no longer has to deal with me.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed there are names and addresses listed that should be removed off my account. I have uploaded documents that verify my correct name and my current address.
Product: Credit reporting, credit repair services, or other personal consumer reports

so today i have finally viewed my consumer report for the first time in years and i have noticed so many fraudulent and negative information on my report that i have no idea even existed on my report. i never initiated any of these credit transactions. i would really like these things to be removed because i dont have a clue as to who put these things there. Inquiries from capital XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My birthday is incorrect which should be XX/XX/XXXX. My only address is XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ny XXXX. My name is XXXX XXXX. XXXX XXXX XXXX Acct # XXXX and XXXX XXXX XXXXXXXX Acct XXXX XXXX needs to be removed immediately also because those accounts don't belong to me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and XXXX Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
JPMCB HOME XXXX Date Opened : XXXX Balance : {$270000.00}
Product: Mortgage

I recently refinanced a mortgage through a loan broker and the mortgage account was purchased by PennyMac mortgage. Loan # XXXX originated on XX/XX/2019. Since that time I have had issue after issue ( I am a 15 year XXXX  XXXX  ) navigating their payment and autopay process. 

There was no correspondence sent out prior to the 1st mortgage payment being due, nor how to pay, nothing. I was surprised by an unpleasant voice message from their debt collection group. I immediately call PennyMac and after a 45 minute wait I facilitate payment over the phone and was charged a {$15.00} convenience fee. 

At that time I requested to be set up on automatic payment and was told by the PennyMac representative that it would be implemented. 

Fast forward to today and I receive another call from PennyMac 's collections group asking me to verify my address and other personal info. When I refuse ( this is an incoming call asking me for my personal info ) they request I call XXXX to speak to one of their collection agents. When I dial the number provided I am told there are 87 calls in que ahead of me and to expect a 50 minute wait. I log in online to make a payment and check on the autopay set up. I am not allowed to " set up '' auto pay because my account is " delinquent ''. 

So, I am now on hold for over 45 minutes awaiting the opportunity to make a payment to a company that has apparently reported me delinquent to the credit bureaus because they failed to set up the autopay as promised. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

My identity has been compromised since the year XXXX. The thieves used my stolen information to open a XXXX credit card and obtain mobile service witXX/XX/XXXX. I became aware of this situation in XXXX, and I've disputed these accounts numerous times with no result. Also, I have not received any information regarding these accounts from the companies. These accounts have been negatively reported since XXXX, which is significantly affecting my credit score.
Product: Payday loan, title loan, or personal loan

An ex-boyfriend of mine in XXXX knew all of my information ( since, don, address ... etc ) he got a payday loan in XXXX, XXXX. and I being held accountable for his actions.
Product: Credit reporting or other personal consumer reports

Creditor XXXX reporting inaccurately with a XX/XX/ late payment. Per Creditor XXXX representative this inaccuracy will be updated to paid as agreed/ no late payment. Indigo representative states the system did not post payment correctly.
Product: Credit reporting or other personal consumer reports

The third time is the charm as everything comes in three 's I have tried to rectify this matter. There are still charge offs, student loans and inaccurate reporting of balance and transaction history reporting. 

First, According to Family Educational of Privacy Act 1974 STUDENT LOANS should not be reported it goes against privacy act as stated here -https : //nces.ed.gov/XXXX https : //studentprivacy.ed.gov/XXXX  Second, charge offs are certificates of indebtedness and should not be reported, so please remove ASAP.

Third, its illegal to report transaction history. Remove all " soft and hard '' inquires Fourth, for permissible purposes remove all collections, student loans, charges offs and update transaction history as current/updated.

Fifth, by reporting non accurate information without my consent is against FTC - https : //www.consumer.ftc.govXXXX 15 USC 1681 - inaccurate report, 15 USC 1608 CASE LAW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - In this case, a class of XXXX individuals sued TransUnion , a credit reporting agency , in federal court under the Fair Credit Reporting Act. 
-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - CFPB and FTC Take Actions Against TransUnion for Illegal Rental Background Check and Credit Reporting Practices- https : //www.consumerfinance.gov/about-us/newsroom/cfpb-ftc-take-actions-against-transunion-illegal-rental-background-check-and-credit-reporting-practices/ Psalm 25:1-2 says, In you, Lord my God, I put my trust. I trust in you ; do not let me be put to shame, nor let my enemies triumph over me '' Please take heed, XXXX/ BENEFICIARY
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Letters out Certified over 40 days ago & have not been notified of anything. As a consumer I feel like these people are playing with me and this is serious. 


XX/XX/2020 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to Equifax, XXXX and XXXX  thi is totatly outrageous. 

I didn't hear back so I sent a Demand to comply with investigation on XX/XX/2020. 

Today is XX/XX/2020 and I still haven't even heard back from these Companies as of yet
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill. and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5- -1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting or other personal consumer reports

I recently received a copy of my ( XXXX, XXXX, or TransUnion ) credit report, and I noticed some late payments posted on my credit report : I HAVE NEVER BEEN LATER ON THESE ACCOUNT : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX I was never late on this account listed above. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please DELETE this alleged late payment from my credit report per 15 USC 1681b.

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) 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. XX/XX/year> Failure to respond satisfactorily with deletion of the above 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 : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud
Product: Debt collection

I received a text message from this company at XXXX this morning XX/XX/2024. When I called later in the morning, the agent said they didnt send the text at that time, it was sent yesterday. The digital time stamp shows the time it was received. I live in AZ where we do not go through Daylight Savings Time but it would have made it still come in at XXXX prior to the time switch.
Product: Credit reporting

A cas e (  #  XXXX  ) was submitted back in  XXXX     2017 to the CF PB for a company reporting on my report, Stellar Recovery. The company stated they would obtain and send verification. I have not received said verification. I have disputed as such with the credit bureau. Transunion has yet to investigate my claim given into account all the evidence submitted showing my attempts to obtain validation from this company. The item continues to be reported, hurting my credit profile and financial reputation.
Product: Credit reporting or other personal consumer reports

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow. 

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX Employer - XXXX  Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX , XXXX, FL, XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXX XXXX , FL , XXXX Incorrect DOB : - XXXX  Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax, XXXX and XXXX about unauthorized inquiries. I have asked more than 3 times for them to remove them and they keep telling me that they can not. The dates are ranging from XXXX to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX  and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.