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 violates the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform and 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 regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

I'm 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 the timely and effective measures to prevent and address fraud on their platform, which left my account vulnerable and unprotected. Furthermore, the resolution dispute process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have actions have caused significant inconvenience and financial loss, I seek appropriate redress for these violations.
Product: Debt collection

I repeatedly received phone calls and letters from a company name Midland Credit Management for a debt that does not exist. The debt is not on my credit report and I have never done business with this company. It has no impact on my credit rating. However, the weekly calls and letters are a nuisance, and bothersome. I have asked them to please stop or send me with a debt verification letter since they have my address. No letter has been provided, because the debt does not exist. They asked for my social security number to try to verify if it's me, and use other fraudulent tactics. This has been ongoing for roughly one year. 

It is very annoying.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to a denial of an extension of credit I checked with one or more consumer reporting agencies and detected inaccurate information being furnished to your company by XXXX. XXXX indicates that the information being furnished to your company is invalid. Your company is required to perform an investigation with regard to the accuracy of the information being furnished to it, and if found to be inaccurate is required by law to remove it.
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquiries on my credit report tonight, and Im baffled as to why theyre showing up. I check my credit report regularly, but this time there were unexpected discrepancies. I tried refreshing the browser, thinking it might be a glitch, but the unauthorized inquiries stayed. Im asking for a detailed review of the documents Ive sent so that I can have peace of mind moving forward.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed that I had fraudulent accounts on my credit report. Please remove accounts from my credit report as they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been some information that has been reported on my file. I am a victim of identity theft with the incorrect items being out on my credit report. I have reached out to each credit bureau but no changes have been made. This time, I reported the Theft Affidavit. I am a mother XXXX XXXXXXXX and I would like to get a home for my family and I but its been hard because of these. I would appreciate it if you guys would take care of this immediately as it is hindering me. This issue is frustrating and I just ask that I can be assisted in any way to help my situation.
Product: Credit card

As the Accommodation party to the application/instrument i am owed consideration for my accommodation. There was none because I was denied. Therefore this constitutes as unauthorized use of my social security credit card and discrimination. Synchrony has the ability to sell my application to a 3rd party and reap income so you cant legally deny my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes with the following credit reporting agencies XXXX, Equifax and XXXX about the fraud I have found on my credit report. These following accounts are unauthorized and I would like them removed from my credit report. XXXX XXXX date XXXX, balance- $ XXXX XXXX XXXX  date XXXX, balance- {$1100.00}. XXXX XXXX XXXX XXXX, date XXXX, balance- {$0.00}. XXXX XXXX, date XXXX, balance- {$970.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It XXXX Concern XXXX XXXX. XXXX XXXX XXXX, CA XXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. Box XXXX XXXX, GA XXXX XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It XXXX Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( XXXX ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XXXX/XXXX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX IS NO LONGER MY ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to XXXX U.S.C. XXXX ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item XXXX XXXX ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by XXXX U.S.C. XXXX ( a ) ( XXXX ) ( B ) ( iii ). You are bound by XXXX XXXX to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the information I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer. They have also blocked me from re-disputing the account. 

The balance + payment history are inaccurate which is against FCRA laws. I made monthly payment for this account as part of an agreement with XXXX XXXX. They are not showing my completion of said payments. They also state the account was charged-off and written-off, however, they are still actively incorrectly updating the balance and reporting the account on my credit report.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX. I have a healthy account, with no disputes or charge backs. I am very desperately in need of my account as this is my only source of income at the moment due to covid. Kind regards.
Product: Debt collection

I contacted all three credit bureau about the collection with they companys XXXX  XXXX XXXX and ability recovers i express my frustration of my lack of knowledge of these accounts I also call these companies directly and ask for debt Validation claim, document 's with my signature sign, and proof of the investigation which neither company provided so at this time I ask these accounts be removed from my report!
Product: Credit reporting or other personal consumer reports

I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I was XXXX XXXX from work and I asked them naturally to have these late payments be forgiven and they have said yes but they are still reporting these late. I have contacted them and have not given any updates at all this is my last resort.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an item that was previously removed from my credit report but has been reinserted. The item in question is : [ Description of Creditor : XXXX XXXX XXXX Date of Original Dispute:XX/XX/2024 Date of Reinsertion : XX/XX/2024 According to the Fair Credit Reporting Act ( FCRA ), I have the right to request documentation that verifies the accuracy and validity of this information. I previously disputed this item on [ Date of Original Dispute ], and it was removed from my report. However, I recently noticed that it has been reinserted without proper notification or verification. 

Please provide me with all documentation that supports the reinsertion of this item, including any communication or information received from the data furnisher. If the item can not be verified, it must be permanently removed from my credit report. 

I am enclosing copies of my previous dispute letter, the CRAs response, and my recent credit report showing the reinserted item for your reference. 

Thank you for your prompt attention to this matter. I look forward to your response within the time frame specified by the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus Transunion, XXXX, and XXXX have listed on my Credit Report XXXX XXXX XXXX and original creditor XXXX XXXXXXXX XXXX in the amount of {$4.00}, XXXX. The issue is this shows opened XX/XX/XXXX and the account is OPEN and all of that is Categorically False! I have been with XXXX since XX/XX/XXXX making this debt over 7 year old which should of been removed from my Credit Report. 

These creditors/collections do this all the time, change dates to justify their Collection activity when in fact they are aware that it is false. This type of business practice in unethical, unlawful, and they know it and still use it to their advantage! 

I have talked and filed complaints to the Credit Bureaus to no avail so I am left with no other recourses than to file this compliant with you.
Product: Debt collection

I am getting multiple calls every day from Comenity Bank. I have each number saved as well as the date and time. This is beyond harassment and I need this to stop. This happens at all times of the day and includes Saturdays and Sundays. Comenity fills up my voicemail quickly and I have had many friends, doctors, family, etc tell me that my voicemail was full.
Product: Credit reporting or other personal consumer reports

After reviewing my submission, I noticed that the Credit Bureaus stated that my account was properly investigated but how is that possible when some of the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are inaccurate? Also, I didn't receive any ( not XXXX ) of the correspondence that I requested in the last complaint. 
TransUnion didn't do an investigation on the XXXX XXXX XXXX because both XXXX and XXXX removed this account because the Collection didn't provide the information I requested. 
Nor did TransUnion provide information on XXXX XXXXXXXX XXXX and there are several violations found on my credit report still. 

All of this is grounds for removal by law. 

XXXX. The Original Contract With My Signature On It ( DID'NT PROVIDED ) XXXX. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) ( DID'NT PROVIDE ) XXXX. The Payment History and Itemized Billing Associated With Each Account ( DID'NT PROVIDE and No Correction XXXX. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) ( DID'NT PROVIDE ) Also : 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 USC1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 USC1681 Section 603 ( 3 ) ( XXXX ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

15 USC1681b ( a ) ( 2 ) 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. If these accounts are not removed I will be reporting you to the XXXX, and I will be contacting the Federal Trade Commission, and I will be filing a lawsuit against your consumer reporting agency for violation of privacy and pain and suffering
Product: Credit reporting, credit repair services, or other personal consumer reports

For years I have disputed the existence of the inaccurate account on my credit file listed by XXXX   XXXX. I am the victim of identity theft. I have corresponded with this company numerous times with no positive recourse.

I NEVER had an account XXXX XXXX.
Product: Mortgage

I used XXXX XXXX to get some rates and terms for a home equity loan. I ended up getting a loan that is already funded. However, today I received an email from Amerisave saying they declined my loan application when I never asked them to start one. Each of the mortgage companies would ask questions to be able to give me a rate and their terms. Amerisave was the only one that started a loan application without my knowledge. Amerisave used that information to start a loan application and I didn't ask them to and they never told me they did until I received a loan denial email today. When I called one of the many representatives, who kept calling over and over trying to get me to use them, the representative said that with the Dobbs-Frank act all they have to do is ask for 6 pieces of information and/or your last four digits of your SS # and they can start a loan application. I said I was not told that is what they were doing and the Amerisave representative said all they have to do is get your information and they can start a loan application without my knowledge. I said I'm XXXX XXXX XXXX and have done many loans in my life and his response was " you've said you are XXXX XXXX XXXX several times and I don't know what you are upset about as we only sent the email to you ''. He was disrespectful and seemed confident that this was a practice at Amerisave. I didn't even open the attachment as I was afraid it was a scam to infect my computer. I knew I had not applied with Amerisave as they had ridiculously high rates and I had told them to stop calling me a few times. When I received the email, I felt like they were taking advantage of a senior citizen. I wrote to the CEO of both Amerisave and XXXX as calling Amerisave went to a recording that someone would call me back within 48 hours. XXXX XXXX  should not be using a company that starts a loan without the consumers knowledge. The way their agent explained it, made me feel that if they can trick you into giving up 6 pieces of information to get their rates and terms, they can just open a loan application and not tell you they did. It felt like they are rewarded by how many loan applications they can get so they are doing dishonest things to get an application going without your knowledge.
Product: Credit reporting or other personal consumer reports

On XX/XX/ I sent a certified letter to Equifax asking for specific documentation on how their company went about verification of certain items on my credit report, including how their dispute process works. No information was sent to me from Equifax and they are in violation of my rights as a consumer according to FCRA ) Section 611 ( a ) ( 7 ). Equifax failed to provide the requested documentation within the 15-day period as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1800.00}.
Product: Credit reporting or other personal consumer reports

My social security and information was part of identity breach with all three credit reporting agency a few years ago. I have been disputing, names, addresses and negative credit that does not belong to me with the creditors and more so with the credit agencies. The credit agency have not verified anything nor sent any proof of verification. I have bot been able to get many items removed and at least 14 items are already seven years old and false. I want to know if i can still file my claim
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested for the XXXXXXXX XXXX account be validated through Transunion Bureau. It is my legal right under FCRA 15u.s. Code 1681 states responsibilities of furnishes of information to consumer reporting agency. They must have valid information from the original creditor, which they have not produced any evidence to me, this is the third request.
Product: Credit reporting, credit repair services, or other personal consumer reports

There two fraudulent accounts that Experian is currently reporting on my credit file.One is XXXX Account number XXXX Credit limit {$6100.00} Balance {$000.00}. The other one is XXXX XXXX XXXX XXXX XXXX limit {$6000.00} Balance {$000.00} Both accounts are closed. I dont own these accounts I believe that those accounts are due to fraud. I have contacted Experian several times asking them to block those two accounts and or remove them from my credit file, since the accounts are due to fraud. Unfortunately Experian is not responding properly I have been asked by Experian to upload supporting documents on their website which I did several times, after each upload I call Experian to get confirmation but theyre keep telling me that either the upload was not successful or its only been uploaded partially. After unsuccessful uploads I did certified mail, After several mails they have finally confirmed receipt of documents. However those two accounts are still reporting on my file and Experian is not giving me a relevant answer why are those accounts can not be removed or blocked.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I received a notice from Certegy that XXXX was reporting negative information to them on my behalf. XXXX is a creditor listed in my Chapter XXXX Bankruptcy which was filed on XXXX XXXX, 2017. The bankruptcy was discharged on XXXX XXXX, 2017.
Product: Credit reporting or other personal consumer reports

I SENT A LETTER TO XXXX AND WELLS FARGO. IN REGARD TO A WELLS FARGO ACCOUNT THAT IS REPORTING AN ACCOUNT AS LATE AND " R '' STATUS ON MY CONSUMER REPORTS. XXXX RESPONDED SAYING THE ACCOUNT HAS BEEN UPDATED. HOWEVER, NOTHING HAS CHANGED ON MY CONSUMER REPORTS AND THE ACCOUNT IS REPORTING THE EXACT SAME. XXXX DID NOT PROVIDE ME WITH ANY PROOF OF THEIR INVESTIGATION. THEY JUST SENT A GENERIC RESPONSE THAT THE ACCOUNT IS " UPDATED '' THEY ARE VIOLATING MY RIGHTS AS A CONSUMER. IN REFERENCE TO 15 USC 1681B.
Product: Credit reporting or other personal consumer reports

All the sites after I reported being a victim of identity theft in which I am. They picked me completely out and I can't get my credit score. I feel punished for being a victim by the credit bureaus and chase bank site makes it look like I'm erased from the world.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My BMO card was charged {$900.00} by a transportation service i never used, i spoke with a representative about this matter and she me why did i give them my card and that the company could always charge my card if they have it on file without my permission. i immediately ask for a supervisor she told me that this was not the case and they would dispute the charge and cancel the card. i have been paying this account every month and still have yet to receive the card. i check the account and it was over the limit. i called back to ask for a supervisor and was unsuccessful in doing so. now this account is being marked late despite it being paid every month. I have called again and i am still waiting on a supervisor. This is a disaster!!