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

I am filing a complaint against Cash App ( Block , Inc .

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 procese a XXXX unfair and deceptive, as they : XXXX no 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
Product: Credit reporting or other personal consumer reports

I'm writing to communicate my anxiety with respect to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be entirely examined. In spite of my endeavors, I presently can't seem to get any goal or remedial activity. These incorrect records are seriously harming my credit document and upsetting my capacity to carry on with an ordinary life. The adverse consequences of these mistakes have caused colossal difficulties for me, and I'm left with no decision except for to argue for your help with correcting what is happening as quickly as time permits. I compassionately demand that you direct an exhaustive examination concerning the revealing of every one of these contested records. It is basic that the important advances are taken to refresh and correct my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I earnestly encourage you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue quickly would be extremely valuable. Much obliged to you ahead of time for your comprehension and help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent my initial request for investigation for inaccurate and erroneous errors which shows FCRA and FDCPA violations on my report for investigation. When updated report on XX/XX/2021 nothing was done and had not received any investigation results or recognition that an investigation was being conducted. I am aware that due to the pandemic 60 days is required for an investigation that is why I sent additional letter requesting if the Bureaus went passed 60 days that I would be filing a complaint because they have yet to investigate this information or show proof that they are in compliance with the FCRA guidelines. Being that they have went beyond the time allowed. I am requesting a FULL DELETION of the items presented on the initial investigation immediately! No more time being allowed. REMOVE IMMEDIATELY please have some dignity and do what's right to honor your consumers and follow FCRA guidelines. 

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

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$760.00} XXXX XXXX XXXXXXXX Balance : {$410.00} XXXX  XXXX Balance : {$760.00} XX/XX/1986 XXXX, XXXX, XXXX XXXX XXXX  XXXX Balance XXXX {$4500.00} XXXX XXXX Balance : {$760.00} XXXX XXXX XXXXXXXX Balance : {$410.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am seriously getting frustrated at this point. I have supplied the companies with the documentation required by law and suggested by customer service, yet the accounts still persist. I am trying to get a start a career in banking and get a mortgage and these accounts are hindering my chances. Please correct immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX continually letting companies report on my credit report after being removed because of the Fair Credit Act Law that requires any items that are 7 yrs or older to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Factual data XXXXXXXX in Colorado ran my report on all bureaus without my permission. This needs to be cleared from my history and they need to be put out of business.
Product: Mortgage

WE already submitted complaint regarding offering loan modification after the auction.PHH respond is not included why they did not offer us loan modification options before the auction and when we are ready to pay the negative amount, why they are not working with us. We are trying to contact them since last year but only they have ability to call us or contact us, but never responded what we ask. 
We need PHH to schedule meeting with our attorney and let us to share all court order and other facts to them
Product: Mortgage

My loan was transferred from XXXX to XXXX XXXX XXXX, XXXX effective XX/XX/XXXX. I received a letter to that effect. ( Attached ) XXXX XXXX sent me an email on XX/XX/XXXX advising me that the transfer had taken place. ( Attached ) In the meantime, I have a property damage claim to my home which was paid by my insurance company by check made to me and to " XXXX, its successors or assigns ''. 
Today ( XX/XX/18 ), I contacted XXXX XXXX for instructions to process this check so that I could have the damage to my home repaired, engage the contractor who has already provided the estimate and so forth. The XXXX XXXX customer service person informed me that the account information has not been transferred and that they are unable to assist me and were not sure when the " transfer '' would take place -- maybe Tuesday or Wednesday of next week, but she was not sure. ( An corollary problem was that the customer service line for the " insurance dept '' would drop each and every time I punched the number for connecting to it -- which means the phone system is being serviced by incompetents. ) I asked for a supervisor to assist me, but after being placed on hold, I was told that they had all gone home and there was no one that could be contacted to assist me. 
I need to get the check endorsed and repairs on my home started and should not have to wait because XXXX ( or its principal ) and XXXX XXXX can not accomplish a transfer of accounts and data when they say it is taking place. 
I believe they have a legal duty to service my account in a prompt manner and to accomplish the transfer when they say it will take place.
Product: Debt collection

On XXXX, I received a notice from the XXXX that someone filed at complaint against me. Shortly after that, I received a notice of recovery from XXXX XXXX XXXX. Apparently, someone wrote a check in my name to XXXX 's XXXX XXXX. XXXX. Check # XXXX for {$100.00}, from someone claiming they were me. I disputed the complaint online that this was not me, but someone claiming to be me. No police report was made by me because I did not make this purchase nor know about it. I have not been provided a copy of the check, so I do not know if my name was on the check. There has been no check taken out of my bank as specified.TRS has not provided me any proof of this transaction being related to me in any way. XXXX filed a complaint againt me on my credit rating report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent off several certified notarized letter to Experian, advising them to remove unverified information on my credit report. They are REQUIRED BY LAW to have a copy of my contract with MY WRITTEN SIGNATURE ON FILE AT ALL TIMES. They do not have a copy of a contract with my written signature on file for the items I have listed. They have been and CONTINUE TO BE IN VIOLATION OF FEDERAL LAW. 

This is a copy of my final letter sent to all three companies. NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. There are three of the same items on each credit report that has not been removed. they are in violation of the law and have refused to removed those items even after being made aware of their violation. they do not have any documents on file with my original signature as verification of my alleged debt and they have not sent me any copies as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/2021 XXXX  XXXX  XX/XX/2021 XXXX  XX/XX/2021 XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX are reporting incorrectly late payments in XXXX and XXXX on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) XXXX XXXX XXXX consistently did not apply the payments correctly to this account. One billing  department was not in sync with the other department and consequently the lates that are reporting in both XXXX and XXXX are false. I have been working with a representative from XXXX ( her name is XXXX XXXX and she is working diligently trying to resolve this reporting error of late payments. In addition to resolving the late payment issues, the current reporting of the balance due on this account is incorrect. The account balance information needs to be updated to report accurately as well. This account is current and in good standing. There are no late payments to report. I have contacted the ( XXXX ) bureaus to remove the lates however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

My report on Experian needs to be accurately reviewed there are accounts that need to be removed they have different dates and other bureaus have removed them or have a differnent date this will be the last time I send this in for dispute I will have to take this further if needed experian neds to follow the fair credit act and review my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursant to 18 USC 8, I owe no debt, This company ( XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) ) is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 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 or 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 know or has reasonable cause to believe that the information is inaccurate. Also according to the new law that has been passed it states any medical debt is to be removed thats under XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The XXXX credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

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 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 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 card

Re : AVANT Credit Card. I made a small deposit on XX/XX/ of {$11.00} by debit card. My balance was {$6.00} at the time. I called on Sunday XX/XX/2024 at approximately XXXX EST to inquire because the funds had not posted. The CSR told me that my deposit had been used to cover {$13.00} in interest. I asked why would interest be taken from my deposit when my monthly payment was not due yet. She couldnt answer the question. I was very upset and closed my account immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't have Hyundai motor finance or XXXX XXXX  any longer. They are still lowering my credit score. The account I had with Hyundai motor finance was canceled when I upgraded my at the time vehicle ( XXXX XXXX XXXX ) which at that time I used XXXX XXXX  for the XXXX XXXX. The account with XXXX XXXX  has been paid in full in XXXX if XXXX. I no longer have any affiliation with either company and I want my credit score fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts are still inaccurate on my report which needs immediate action. I have sent letters to the Credit Bureau but still no response was ever received from them. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law. Below are the accounts that are still reporting on my report : Late Open XXXX Account Number : XXXX Late Closed XXXX XXXXXXXX Account Number : XXXX Charge Off XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX Collection XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX Email XXXX XXXX XXXX. XX/XX/2021 XXXX {$1000.00} XX/XX/2021 XXXX {$1000.00} XXXX. I know the transaction was unauthorized because I was told by the scam customer service rep that I needed to provide my cash app handle to verify my account with cash app. They said I needed to call XXXX to protect my account. Then I started receiving request they said verify it and it would secure me cash app and then they hung up and never answered again. Then I contacted cash app support and reported a scam immediately. 
XXXX. XXXX XXXX California, the fake cash representative was located in XXXX according to phone records. 

XXXX. I provided my cash app handle and account balance XXXX. I instructed to download a trust wallet app by fake cash app representative. Police report attached
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/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 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.
Product: Credit reporting or other personal consumer reports

I am writing to complain to EXPERIAN about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report numbers related with this complaint XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. XXXX that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + Experian, On my XX/XX/2022 credit report there are comments under a closed XXXX XXXXXXXX account that I would like removed - attached to this complaint are : - my drivers license - my social security card - my address - my complaint letter - my Experian credit report Please have the comments, in the comment section, for this closed XXXX XXXXXXXX account, removed as soon as possible.
Product: Credit reporting or other personal consumer reports

I'm writing this letter to inform you I have found inaccurate information on my credit report. The following information is fraudulent and I have no relationship to it. Please remove the following information from my credit report immediately XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX CA and XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX CA XXXX
Product: Debt collection

Genesis /Columbia Debt Recovery is reporting a debt that was wrong and paid in a bankruptcy. I only had to pay until I moved. They also add interest to an incorrect debt monthly and report it as I have a revolving account with them When I disputed the debts on my credit reports, all have updated the information as correct when it is inc and not valid.
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 have provided my ID along with the XXXX letter signed by other required documents that verifies me. 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 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ).
I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was co-signing a car for my son, I was told that my credit wasn't going to be run more than once. I asked them to send the loan application to XXXX XXXX. I specifically asked that my credit not be ran because it was result in hard inquiries on my account lowering my credit score. The people at XXXX XXXX assured me this would not be the case. But the following day I saw on my XXXX XXXX report 5 new inquiries from they used to run my credit. I'm upset because I requested this not to happen and now I have tried to file a dispute with equifax and XXXX. But I am unable to proceed.