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

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( 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 proce 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 caused significant inconvenience and XXXX! financial loss, and I seek appropriate redress for these violations.
Product: Vehicle loan or lease

XXXX XXXX my car was repoed by credit acceptance saying I have an overdue balance of XXXX. I called XXXX ask them how is that possible when I was on bankruptcy. Bankruptcy discharged me in XXXX which I had no idea of because they claimed they couldn't get in touch with me thru mail XXXX didn't try to call me. Bankruptcy shows that they have paid almost XXXX on my loan with credit acceptance. So I'll have to pay XXXX to get my car back with and over due balance of XXXX XXXX sump.The car had XXXX on it but they charging me XXXX for a XXXX XXXX  when the car is only valued at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act these creditors have violated my rights under 15 USC 1681section 602 states I have the right to privacy.

15 USC 1681 section 604 ( a ) states a consumer reporting agency can not furnish a account with out my written instruction.

Under 15 USC 1666 ( b ) a creditor may not treat a credit card payment open and consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm disputing the following account XXXX XXXX XXXX XXXX. The payment history for XXXX 2020 is inaccurate.
Product: Checking or savings account

Trying to link my account to XXXX  investing app
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  Account # XXXX is giving me a hard time reporting a 30 day late payment for XX/XX/2018. I have been a customer for over 7 years for XXXX XXXX XXXX  where I have reached out to them and the XXXX credit bureaus over 2 months ago and still haven't heard anything back regarding this late payment. See attached documentation below.
Product: Credit reporting or other personal consumer reports

I retrieved a copy of my credit report EXPERIAN, XXXX and discovered an inquiry that I have no knowledge of. On XX/XX/2024, XXXX XXXX appear on my credit report as a hard inquiry that impacted on my XXXX XXXX. I never authorized inquiry on my credit report for this company. Please launch an investigation into XXXX XXXX inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 

If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if XXXX XXXX is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 

Thanks in advance for your prompt attention to this matter. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Medical bill was reporting to XXXX XXXX XXXX and XXXX. I contacted Eastern account To report the medical bill has been paid in full. They would not help me. I contacted XXXX XXXX and it has not been updated I cant get in touch with XXXX theyre always trying to sell me something instead of updating my report per my request. Should eastern accounts correct send a updated account history to thr credit agencys that it is paid. They are quick to send the bureaus that I owe money but when I ask for them to report to the bureaus I no longer only money they give me pushback it will not help me. Is that illegal?
Product: Checking or savings account

Simple account holder owned by BBVA, Simple service/accts/app closed, requiring Simple customers transition to BBVA on XX/XX/XXXX. During online BBVA account creation, the process did not complete. Have been repeatedly calling Customer Service # s provided by BBVA to transfer remaining funds out of BBVA/Simple and close my acct. After 15+ calls, have been disconnected or hung up on by CSRs/TSRs.
Product: Mortgage

I have had a XXXX home loan for some years, always current, I just got an unsolicited notice to pay to this new company XXXX XXXX thousands of $ i do not know them and have never been late have no idea who they are. 

I spoke to a supervisor who says i should send a certified check for $ thousands of dollars to the XXXX, XXXX XXXX in India, at XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX India XXXX His company XXXX XXXX has taken over US Gov't loans from his company in the USA in both XXXX XXXX XXXX, XXXX, TX XXXX or to XXXX XXXX c/o XXXX XXXX at XXXX XXXX XXXX XXXX, PA XXXX this all is very weird and full of fraud, misrepresentation, thefts of US funds XXXX as a 100 % XXXX Veteran i find this entire scam very seriousness abusing we the Veterans and the US Gov't it is fraud and theft. 

I spoke to XXXX alleged staff members who admitted they have offices in the USA but are really headquartered in India where the XXXX conducts all there XXXX XXXX on US Loans. XXXX managers lied several times about this saying send the money? i do not know them they said they are the new company servicing my XXXX loan but i know nothing of this nor would they send me any records, documents etc..Mr XXXX XXXX and his assistance XXXX XXXX XXXX XXXX both got caught lying and even said the XXXX is in India and not really in the USA then they told me NOT to report them to the FBI, VA or CFPB
Product: Credit reporting or other personal consumer reports

XXXX XXXX 1937 XXXX XXXX XXXX 
XXXX, XXXX XXXX LVNV Funding XXXXLC/Resurgent Capital Services XXXX XXXX XXXX XXXX, SC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Tx XXXX XXXX : Formal Dispute of Debt Accuracy Account with LVNV Funding LLC/Resurgent To Whom It May Concern, I am writing to formally dispute the account associated with LVNV Funding LLC/Resurgent and the alleged original creditor, XXXX XXXX, which appears on my credit report. This account is being inaccurately reported under my name and is negatively impacting my credit. 

I have provided documentation, including proof of my energy account records, which clearly demonstrate that I have never had an account with XXXX XXXX. Despite this, the account continues to be reported under my name, and no valid documentation has been provided to substantiate the debt. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Pursuant to : 1. FCRA Section 611 ( 15 U.S.C. 1681i ) : I request a thorough reinvestigation of this matter.

2. FDCPA Section 809 ( 15 U.S.C. 1692g ) : I demand validation of this debt, including : Evidence that this account belongs to me. 
All supporting documentation, including a signed contract or agreement. 
A detailed breakdown of the alleged debt amount. 

Furthermore, I would like to bring your attention to the lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against XXXX for its failure to comply with federal consumer protection laws, including providing misleading credit reports and failing to address consumer disputes appropriately. This ongoing legal action highlights Experians repeated violations of consumer rights and reinforces the need for immediate and thorough compliance in resolving this matter. 

Both LVNV Funding LLC/Resurgent and XXXX have failed to provide the legally required documentation to prove this debt is valid. Without proof, this account must be removed immediately, as required by FCRA Section 611 ( a ). 

Furthermore, the continued reporting of this account as valid constitutes fraudulent activity and is a violation of my consumer rights. I demand that this account be removed from my credit report within 30 days of receipt of this letter. Failure to do so will leave me no option but to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and other relevant authorities. 

I request that all future correspondence regarding this matter be sent to my address listed above. Thank you for your prompt attention to this matter, and I look forward to your timely resolution. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to file a formal complaint against Collections Receivables Inc and the alleged original creditor, XXXXXXXX XXXX XXXXXXXX regarding their unjust attempts to collect a debt that is not owed. The details of my situation are as follows : Unauthorized Charges : On XX/XX/XXXX, I discovered that XXXXXXXX XXXX XXXXXXXX me from two separate companies without my consent. The charges were made by XXXXXXXX XXXX XXXXXXXX and XXXX XXXX  XXXX. I immediately filed a dispute, and after conducting their own fraud investigation, my credit card company sided with me and found the charges to be unauthorized. After this I received a call from XXXX that I would be sent to collections for any money I won from the dispute. 

Medical Treatment Payment Process : It is important to note that I am responsible for paying only what my insurance does not cover. In the case of XXXX XXXX XXXXXXXX, I have diligently paid my share of the medical expenses. However, I have recently discovered that I have overpaid, and I am due for a refund. I also have reasonable suspicion they are engaging in balance billing, which violates federal law. 

Unjust Debt Collection Attempts : Despite the resolution of the unauthorized charges and the overpayment issue, Collections Receivables Inc continues to pursue collection efforts for a debt that is not owed. Their actions are not only unwarranted but also in direct contradiction to the findings of my credit card company 's fraud investigation. 

I kindly request the Consumer Financial Protection Bureau 's assistance in investigating this matter and ensuring that Collections Receivables Inc ceases their unjust debt collection attempts. Also, XXXXXXXX XXXX XXXXXXXX should refund me what I overpaid them. I believe that their actions are not only in violation of fair debt collection practices, but also causing undue stress and inconvenience. 

I have attached relevant documentation, including the resolution from my credit card company 's fraud investigation and proof of overpayment to XXXX XXXX XXXX, for your review. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and appreciate your efforts in protecting consumer rights.
Product: Credit reporting or other personal consumer reports

I PULLED MY EXPERIAN CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights.

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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called they are not following consumer law
Product: Credit reporting or other personal consumer reports

I am writing to dispute a hard inquiry listed on my credit report, which I believe to be unauthorized. I have not applied for any credit or services from the creditor listed and did not authorize any hard inquiries on my credit report. This inquiry is inaccurate and has a negative impact on my credit score.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against EXPERIAN regarding inaccuracies in my personal information as reported in my credit report. 

Details of the Dispute : 1.Name : My current legal name is XXXX XXXX but XXXX is listed incorrectly on my credit report as XXXX XXXX XXXX I request that my name be updated to reflect the correct information. 

2.Address : My current residential address is XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX but my credit report shows an outdated address as 1 ) XXXXXXXX XXXX XXXX XXXX  XXXX, FL XXXX XX/XX/XXXX. 2 ) XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX. 3 ) XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX. I request that my current address be updated accordingly. 

3.Employer : My current employer is XXXX XXXX XXXX XXXX but it is listed incorrectly on my credit report as XXXX XXXX XXXX XXXX XXXX, FL, XXXXXXXX XXXX  FL. I request that employer be updated to reflect the correct information. 

4.Date of Birthday : My DOB is XXXX/XXXX/XXXX, but it is listed incorrectly on my credit report as XXXX. I request that employer be updated to reflect the correct information. 


Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address and current Employer.
Product: Credit reporting, credit repair services, or other personal consumer reports

While inquiring about trading in my vehicle to purchase a new/used vehicle, I went to several car dealerships ( ex. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ) and each dealership that I went to I explained to the sales person as well as to the finance manager that I did not want my credit ran multiple times nor to multiple banks as this would lower as well as have a bad impact on my credit score. I also explained to them how reluctant I was with signing the application because of those reasons as well and ever time they stated " oh the banks will notice that you are car shopping and if there are applications to the same bank they will only count as one if it 's within a 30 day period '' I am just now finding out that they all have provided me with inaccurate information and that if it 's more than 1 of the same inquiry to the same bank or company within 30-45 days only 1 inquiry should be showing up not 1 for every inquiry. I have notified the dealerships and the banks asking them to remove these inquiries from my credit report, however they continue to pass the buck. The credit bureaus ( XXXX and XXXX ) says they ca n't remove inquiries and to call the dealerships and dealerships say they ca n't remove inquiries and to call the banks, the banks says they are n't the one 's who requested the inquiries call the dealerships. XXXX stated that they ca n't see that far back to pull the application from XX/XX/XXXX. Ally ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), XXXX also known as XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) and XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). I was just recently informed that XXXX XXXX ran my credit to 10 banks which is unacceptable when I specifically asked them not to. As a individual that work hard for their money and try to have things where its feesable for my pockets, I get very upset and find it disturbing that car dealerships will lie to customers in order to benefit and get over just to make a sale. As a customer these are people that we put trust into and they have let us down. It is extremly difficult to get a new vehicle, buy a house etc. with all of those inquiries.
Product: Debt collection

Enhanced Recovery has added a collection from XXXX XXXX to my credit report. The debt is not mine. 

In addition, I have received no correspondence from Enhanced Recovery validating any debt I owe to XXXX XXXX XXXX or verifying that this is my debt.
Product: Credit card or prepaid card

XX/XX/2021 synchrony bank uploaded a fraudulent letter to the cfpb stating that I did not provide proof of return I provided proof of exchange which is absolutely false. I provided a proof of their transaction that can only be generated at a cashier register XXXX a RETURN/RECEIPT has a transaction ID calls have been recorded stating that see it uploaded in systems of that returned amount. This company continues to lie and is committing more fraudulent actions by trying to cover up that my card was used after I left the store and returned those items I was charged again they have to show proof of that transaction of me purchasing it again after it was returned because I returned them. XXXX should be fired for lying and trying to deceitful actions to a customer and government company. Make them provide proof of what I sent in via faxed
Product: Debt collection

Received first notice of alleged debt on XX/XX/2024, from XXXX XXXX XXXX. Responded via mail with debt verification and debt dispute notice on XX/XX/2024. Received second letter on XX/XX/2024, stating they are willing to talk about services provided. Firm did NOT send any verification information about debt or if they legally owned stated debt. Sent second debt verification notice to firm, again requesting validating information about alleged debt on XXXX XXXX, 2024. 

XXXX XXXX, 2024, received notice of legal action filed on XXXX XXXX, 2024, from Attorney XXXX XXXX XXXX, allegedly associated with firm. Legal paperwork issued had limited information about alleged debt, did not include original agreement between original XXXX parties or other verification information. Listed Attorney of record on subpoena is XXXX XXXX, associated with firm. 

Sent Email to all parties about original debt dispute on XXXX XXXX, 2024. Received response only from XXXX XXXX stating " Thank you for your email. I've escalated this matter to the dispute team. '' on the same day. 

There has been nothing further from any party involved with the XXXX XXXX firm. I believe they have violated FDCPA by not providing any debt verification information at any time during this dispute, by filing legal action while I specifically disputed this alleged debt collection.
Product: Debt collection

We are a XXXX firm who handles bill payments for our client as such we will receive notification from Vendors at times. 

When a client of ours had their Controller leave unexpectedly XX/XX/2018 it was at the beginning of a new lease. Things went awry in the process. the lease was turned over to 2 collection companies payments finally showed as of XX/XX/2018 when the 2nd collection company XXXX XXXX received the payments made to the first and posted into the system of XXXX. The client has made regular payments. XXXX has cancelled their agreement with Sage company. Now a 3rd company Advanced Recovery Systems ( ARS ) has since taken over the collection of the debt. 
ARS does not have accurate balance information and they call our office and yell and scream and demand a payment is to be made without a valid amount even to start the process. 
We also receive emails from the company. 
XXXX XXXX Executive Vice President Advanced Recovery Systems , Inc . 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX EXT XXXX FAX XXXX XXXX is not the person who calls as we are told he is the executive VP of the company and collection agents make the calls and they are not allowed to email or make agreements. only call and be nasty and demand payment on a disputed amount with no back up to justify the amount still.
Product: Credit reporting or other personal consumer reports

This account is under XXXX the balance is incorrect & i need it close & also remove from my credit report in accordance with the Fair Credit Reporting act 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened credit card accounts with my information. Identity theft
Product: Mortgage

I sent the payment in XXXX to my mortgage company and paid additional money which was clearly stated to go toward the principal but my mortgage company used the additional payment towards my next month 's bill and applied the remaining balance from the additional payment to the principle. when I called the company and told them about the mistake that they have made. they first didn't agree with me but the second agent finally saw the mistake and assured me that we will fix the issue. It's been 2 months and they still have not fixed the issue and asked me to pay for additional payment. If my mortgage company did not fix this issue I will loose XXXX XXXX dollars.
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 XXXX Account # XXXX XXXX Account # XXXX Equifax Account # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Account # : 6492** 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 an 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 items 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: Debt collection

I went thru a XXXX XXXX  toll booth at the XXXX XXXX on XX/XX/23 and was overcharged for a toll of {$22.00} ( plus fees ) total {$120.00} this was on a regular passenger vehicle with XXXX axle and i was charged like it was a truck with multiple axles, which the toll should be {$10.00}. This is egregious as i attempted to dispute this, and the XXXX XXXX stated that they will investigate this, however sent it to collections instead.