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 ). Specially, 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 Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for those violations.
Product: Credit reporting or other personal consumer reports

Tonight, I was dismayed to find unauthorized inquiries on my credit report, with no clear reason for their presence. I review my credit report regularly, but this time, something was seriously wrong. After refreshing the page, hoping it was just a technical issue, the unauthorized entries still didnt disappear. Im urging that the documents Ive sent be thoroughly examined so that I no longer have to carry this burden.
Product: Mortgage

Loan Servicer failed to pay my taxes. I corrected this issue by sending a check to the city. Loan servicer has failed to send me a check for the taxes despite saying they will. They now will no respond to emails requesting the check. I would like them sanctioned for their mistake and if any statute allows for it, to further sanction them for failing to respond to request from borrowers. amerihome is the loan servicer who failed XXXX of the most basic requirements of loan servicers, which is to ensure the taxes get paid.
Product: Checking or savings account

I have been a capital one 360 customer before before capital one 360 when it was still ING Direct. I have had the same savings account since then. Only just a couple years ago, I didnt realize that account was only getting half a percent of interest for a long time, where I thought I was getting a much higher yield based on advertisements Ive seen for their savings account. I didnt realize the higher interest came from their XXXX XXXX account that I had to open separately and manually. I just assumed I was getting the higher yield because I already had a savings account, or at least would have automatically converted me. I missed out on years and years of interest especially since it has been my direct deposit account for my main salary. I was extremely disappointed when I found that out. I opened the XXXX XXXX account on XX/XX/XXXX where according to XXXX, it was actually available in XXXX. The didnt send me a single email or message telling me about this new account.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX XXXX I attempted to transfer a balance stored in Venmo to my checking account. I had a balance of {$1400.00} at the time, and since I am an international student and do not have an SSN, Venmo only allowed me to transfer {$990.00}, and I was not able to use the instant transfer feature which has a faster arrival time. So I had to initiate a standard transfer for {$990.00}. Venmo gave an estimated arrival time of XX/XX/. However, on XXXX XXXX the money still had not arrived. I tried to contact Venmo to find out why, but they simply told me that the money was " pending review '' and did not give me any reason as to when my money would be in my account. As I am an international student with no job or means of support, this money is very important to me. I will not be able to cover my living expenses. I feel that Venmo 's unexplained delay in transferring the money has caused me a great deal of distress and is unethical for a company to do so. Therefore, I would like to seek help. Thank you.
Product: Debt collection

In review of my credit file, I noticed a debt in the amount of {$260.00} from CBS collection company with the original creditor being XXXX XXXX XXXX XXXX. I mailed a debt validation letter on XX/XX/20 through certified mail but have not received a reply from said collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 there was a hard inquiry on my credit report from Cbna/bby that I do not feel is legitimate considering the circumstances surrounding the situation. 

I currently have an account with Cbna/bby, more specifically this is a credit card with Best Buy/Citibank North America. 

On XX/XX/2020 I was going over my accounts trying to see which adjustments could be made to increase my credit score. I noticed I had an option available on my Best Buy account to request an increase in my limit. With that stated, there is no mention anywhere on this page stating there will be a hard inquiry placed or if I accept a hard inquiry placed as one of the terms to request an increase. 

Since it didn't reveal that they would in fact be placing a hard inquiry, I made the increase request in hopes to raise my limit and ultimately help my score with a higher amount in my available credit limits. 

Soon thereafter I was alerted by my credit reporting accounts that Best Buy/Citibank North America did in fact make a hard inquiry to perform this request. 

Had I known this was the case, I would not have applied for an increase seeing as my balance on this card has never reached even 1/3 of my limit. 

Considering they have all of my information, approved me for a card and now see my purchase and payment activity I would have never known a hard inquiry would be made if I was never asked to accept this as a term to perform the request. 

They should have a warning on the web page if they are performing an action that is detrimental to someone's credit score.
Product: Bank account or service

We closed a checking bank account with Bank of the West after explicitly asking whether bank fees would artificially keep the account open. We were assured that the monthly fee charged or any other bank fee charged would not keep the account open, only outside charges. We also received the final amount in the account at that time. Since then, we have received an account statement showing that the account was still open and the monthly bank fee had indeed been charged so the account is now in a negative balance. Exactly the very thing we were told would NOT happen when we went in to close the account by an employee working at a branch of this bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes ( XX/XX/2018 ), Experian has not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation. 

ACCOUNTS XXXX XXXX  XXXX never late XXXX/XXXX  & XXXX XXXX never late XXXX/XXXX  XXXX never late XXXX  XXXX not mine XXXX   XXXX not mine XXXX XXXX never late XXXX  XXXX never late XXXX  XXXX never late XXXX  XXXX never late XXXX   XXXX never late XXXX  XXXX never late
Product: Credit reporting or other personal consumer reports

I am filing a compliant against Equifax for failing to properly investigate my disputes regarding my inaccuracies in my credit report. Despite my submissions, Equifax consistently resends within 24 hours stating the account is accurate, without providing any evidence of a through investigation. This practice violates the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a real live person just trying to live their life. Within my right as a citizen I am trying to refinance my home and purchase a car. Because of the XXXXXXXX XXXX XXXX XXXX  my score is still going down. 

Explain. I opened a XXXX XXXX XXXX and XXXXXXXX XXXX XXXX for use for my grandchildren. Shouldnt be anyones business. Immediately reported on my credit report. 

I opened an XXXX Account for business. I got hit with points for opening new accounts I paid down accounts got XXXX points Put in an application for a car loan a couple of places- got points taken away Creditor pulled XXXX I got rate of 6.95 Equifax I got rate of 9.25 Put in for a home loan - got points taken away XXXX XXXX XXXX is still reporting the Balloon Payment I previously disputed! 

Whats Fair about this?

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

I am filing this complaint because experian has ignored my request to provide me with the documents their company has on file that was used to verify the accounts I disputed. being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( a ) of the FCRA- they are required to " ... .promptly delete all information which can not be verified '' That I have disputed. Please resolve this matter as soon as possible.
As I understand, federal reporting laws, particularly the Metro 2 data formatted reporting regulatlions enacted as a result of CRSA, requires that any and all information or notations alleged be certificated compliant as well as fully true, correct, complete, timely, proven mine and proven of my responsibility. it is with clarity that the same laws dictate that no entity, including a consumer credit reporting agency such as yourself, can not excuse itself from the responsibility or the mandates nor the liabilities should that entity becomed deficient in that compliance and or physical proof of it. I am enacting my consumer rights to have ONLY CURRENT TRUE ACCURATE AND physically proven metro 2 compliant informatlion reporting I do not AUTHORIZE YOU to retain any other accusations of a adverse or derogatory nature, true or not. RETAIN or return to requisite metro 2 compliance by your immediate and willful annulment of any and all of the above unproven to be compliant information already rectified by the other major credit bureaus as mandated by law. thank you in advance here is a timeline of events XX/XX/XXXX17 I mailed experian 1st dispute letter via certified mail with return receipt which included my I.D . XX/XX/XXXX17 I faxed over a 2nd dispute letter to experian and also used their website to upload my dispute onto their website along with my I.D .
XX/XX/XXXX17 Finally received my 1st. letter from experian asking for a copy of my i.d.?? after they have already received it from me twice.
Product: Credit card

A debt belonging to an ex-spouse resulted in a lien against my house. I have been divorced for 4+ years. The divorce decree states the debt is her sole responsibility. The debt is in her name ( I am not part of the original contract ). Her name has been removed from the property and has been confirmed by county records. The company Midland Financial refuses to speak with me regarding the matter because my name is not on the account. I am not looking for anything more than getting the lien released from my property since the debt is not mine in any way. Attorneys say they can not help me and the county says there is nothing I can do, but there is no way this can be right? I need your help because I do n't have the money to afford extensive litigation.
Product: Credit card or prepaid card

Someone open XXXXXXXX XXXX XXXX  cards in my name in XX/XX/13 & XX/XX/13
Product: Credit reporting, credit repair services, or other personal consumer reports

I have My Employer is XXXX XXXX XXXX. The following Employers are not mine please remove/delete them they are not accurate : XXXX  XXXX  XXXX  DO NOT CALL XXXX XX/XX/2012 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have a few unknown accounts : XXXX   XXXX  XXXX # XXXX, XXXX XXXX   XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX # XXXX
Product: Debt collection

In XXXX I lost my job. Most of my credit cards ended up going to collections. My XXXX XXXX credit card was one of them. The balance at that time was {$1500.00}. It has been 7 years and Transworld Systems Inc is still attempting to collect on this charged off debt stating the amount as of XX/XX/XXXX is {$4000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

the 3 major credit reporting agencies are reporting negative information in my credit file., i have never given anyone written permission per law, to place anything in my personal credit file. as per fcra, ( fact ), law i was supposed to be given a 30 day warning, before or within 30 days, that anything negative would be put in my file. I have written the alleged lenders, and they have never verified, or even written me back at all.The credit bureaus are supposed to be independent reporting, but they obvioulsy are biased, and do things that are harmful to americans financial well being. We know they are too big to fail, but too big, too follow, the law?? There actions are instrumental in keeping americans in illegal/unlawful Financial slavery., US v Kozminsky
Product: Credit reporting

I have not been able to find anyone at the credit reporting agencies whom can assist me. I am seeing " soft '' credit inquiries on my report that I am not authorizing. Companies are doing soft credit checks then sending catalogs out I am not asking for. By sending these catalogs out, it opens the door for someone other than me to use credit in my name. It then becomes burden of proof I did n't request it. There are multiple inquiries that are sister company 's of XXXX wards. 
I do not authorize anyone with out proven written evidence I have authorized a credit check.
Product: Credit reporting or other personal consumer reports

I disputed the inquiries on my credit profile and EQUIFAX keeps coming back saying they are accurate which they are not. I wonder why these credit companies don't follow the rules and take it off. I want this removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery Associates is reporting a paid off debt from XXXX XXXX XXXX  XXXX. 

XXXX XXXX XXXX was Paid off a long time ago XXXX XX/XX/XXXX. Acct # XXXX Portfolio Recovery Associates began reporting XX/XX/XXXX that I still owed XXXX XXXX ... Acct # XXXX. 

I reported to XXXX that this is incorrect and asked for an investigation. XXXX disputed said debt and claimed that it is resolved and I disagree. This is still on my credit report showing as I owe {$450.00}. 

Portfolio Recovery Associates and XXXX will not return any evidence showing validity of debt or why in XXXX this is being reported when debt was PAID in XXXX. 

I have uploaded statements and proof of debt being PAID and neither company will fix this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. the list of violated my Federal protected consumer rights to privacy and confidentiality under [ 15 USC 1681 ]. 

Account : XXXXXXXX XXXX XXXX XXXX, XXXX - Claim account closed Account : XXXX XXXX XXXX XXXX XXXX, XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX, XXXX Account : XXXX XXXX XXXX. All has violated my rights. 

[ 15 U.S.C 1681 ] section 602 A. States I have right to privacy. Accur [ 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. 
The United States Constitution in clear, 605. [ 15 U.S.C. 1681c - 1 ] 607. [ 15 U.S.C. 1681e ] 622. [ 15 U.S.C. 1681r ] 10 Plus years of consistent Payments on record with this reporting agency. 
623. [ 15 U.S.C. 1681s - 2 ] 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 conviction 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 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 disputed invalid information on my credit report. not only did the credit bureau not provide physical proof for the accounts I disputed. they removed accounts that I did not dispute. I didn't ask for verification I asked for Validation. meaning ACTUAL paperwork. it has been over the 45 days for the investigation process and it has been closed. they haven't provided this information. no physical signatures, applications, etc.
Product: Debt collection

CREDIT COLLECTION SVCS place a collection on my XXXX  consumer report for me to pay a alleged debt of {$310.00} account # XXXX on XXXX
Product: Debt collection

dynamic recovery solutions keeps calling me about a debt that I know longer owe. I wrote them a letter to ask the to stop all communications about the debt but the continue to call me even more.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy and it was only deleted off my equivalent report not XXXX  and transunion
Product: Student loan

I was led to believe that job placement in my field of study was 100 % in racking up {$50000.00} dollars of school debt. That did n't materialize and ca n't afford this debt on part time jobs. I finished with honors. I believe that I qualify for a complete loan forgiveness.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXXXXXX XXXX XXXXXXXX Balance : {$1700.00} XXXXXXXX XXXX XXXXXXXX Balance : {$790.00} XXXX XXXX  XXXX Balance : {$1700.00}
Product: Debt collection

on XX/XX/XXXX 2016 I when the XXXX in XXXX XXXX texas XXXX XXXX and they charged me too ( XXXX ) much for basically no treatment just paper work on how I should treat for what I went for.
Product: Student loan

I had consolidated my two student loans under the Direct Student Loan program in XX/XX/XXXX. 
In XX/XX/XXXXXX/XX/XXXX, I was employed under the XXXX   XXXX XXXX  as XXXX at XXXX   XXXX XXXX XXXX, which was a certified job under the Public Student Loan Forgiveness Program. I have been employed there for over 10 years and paid all my payments on time but the Department of Education said that I was not in a qualified loan even though I had been in the Direct Student Loan program. They said I should have been in an Income Based loan program. I was never told that until now by my loan servicers ( there were more than one and XXXX was one of them ). Now the government is saying that I have to start over with my loan program under an income-based repayment loan for 10 MORE years. I am still owing approximately {$63000.00} on students loans that I was told would be forgiven. I am not sure what to do, but was told that CFPB may be able to file a complaint with someone about it. I personally blame the US Department of Education because the type of loan that they are saying that I needed to be on didn't even come into existence until like XX/XX/XXXX
Product: Credit card or prepaid card

Throughout the end of last year and this year there has been many purchases made not authorized by me what so ever. This has me very frustrated as it has grown up to around {$4500.00}. Around 1-3 months back I filed many disputes with the credit card company ( Apple Card ) which is run by the Goldman Sachs bank XXXX I waited for over 2 months on the disputes and all of them seemed to be cancelled for whatever reason. I am deeply sad and mad on why this had to happen with me. Through many calls and such they said they would help but roughly just spun all the payments back to me. Please whatever you can do fix the debt that has been made on these unauthorized transactions and fix whatever damage this may have caused from these purchases and payments made and thank you.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Verification Results and Request for Full Validation Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Dear CFPB Representative, I am writing to dispute the recent verification results regarding an account with XXXX. Despite my request for validation under the Fair Credit Reporting Act ( FCRA ), the verification provided lacked the necessary documentation to confirm this account belongs to me. Since I am a XXXX, I demand physical evidence linking me to this account to prevent potential errors. 

Below are the details of the account in question : Account Information : XXXX  Account Number : XXXX ( XXXX, Experian ) Credit Bureaus : XXXX, Experian , XXXX Account Status : Collection/Charge-off Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ) Balance : {$240.00} Credit Limit : {$1100.00} Payment Status : Collection/Charge-off Last Reported : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ) Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the credit grantor Requested Validation : A copy of the original agreement or contract bearing my signature. 
Documentation verifying my involvement with this account beyond the basic details listed in the report. 
If the creditor can not provide these documents, I request that this account be removed from my credit report immediately. 

Personal Information : Name : XXXX XXXX XXXX XXXX. 
Date of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX, GA XXXX Please provide a prompt response with the requested information or confirm that this account will be removed from my report. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

Domestic wire transfer was requested on XX/XX/year> and verification was done on the same day. Even after XXXX business days, wire transfer was not completed and discover bank kept saying its stuck with XXXX XXXX and they cant do anything about it. this looks to be scam/ fraud with discover bank since they don't provide any information about intermediate bank and as a consumer and account holder how I can trust that money was transferred to XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following accounts must be deleted as they were opened without my consent : XXXX XXXX  ACCOUNT NUMBER XXXX - Opened XX/XX/2021 XXXX XXXX  ACCOUNT # : XXXX - Opened XX/XX/2021 XXXX XXXX  ACCOUNT # : XXXX - Opened XX/XX/2021 I have further done more investigating to understand why these accounts are reporting on my credit report and per my findings, on XX/XX/2021, my personal information was leaked due to a data breach. ( See attached documents ) In this breach, I found that the following information was leaked, which are items needed in order to get approved or open an account fraudulently : SSN, Name, DOB, Phone number and address.

These accounts were opened in the same year of the breach and reflect no payments towards the accounts which is a usual sign of fraud.

I have attached the ID THEFT reports for all of them as well as the source of the date breach and what was included. That is enough evidence proving they are not mine.

They were opened without my physical signature.

They were opened in a state I do not reside in.

They were opened with an address I do not live at.

Resolution : delete these accounts because you are reporting fraudulent accounts on my credit report that are hurting my credit worthiness to be approved for lines of credit or buying a house.

Reinsertion of these accounts after removal will be documented and presented to an attorney for further review for legal action to be taken as a result of negligence and deformation of character against all parties involved.

Please comply with my request as failure to do so will result in legal action being taken.