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 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 Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent numerous certified letters to transunion to get inquires removed from my credit, called multiple times they stated they never received any letters and refuse to remove inquiries in which I never gave my consent for my credit to be released to any of these companies
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  Account # XXXX, Account # XXXX Account # XXXX 15 USC 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 a 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 purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX FL XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance XXXX {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX  XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$910.00}, XXXX XXXX XXXX XXXX Balance : {$950.00}, XXXX XXXX XXXX  XXXX Balance : {$1100.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00}, XXXX XXXX XXXXXXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Original XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Original creditor XXXX XXXX XXXX : {$260.00}, XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX  XXXX XXXX : {$470.00}, XXXX XXXX XXXX  XXXX Original creditor XXXX XXXX XXXX XXXX Balance : {$670.00}, XXXX XXXX XXXX Original creditor XXXX XXXX XXXX  XXXX Balance : {$1100.00}, XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX  XXXX Balance : {$1000.00}, XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00}, XXXX XXXX XXXX Original creditor XXXX XXXX XXXX : {$1400.00}, XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance : {$5100.00}, XXXX XXXX  Inquired on XX/XX/2021, XXXX Inquired on XXXX XXXX, XXXX  XXXX XXXX XXXX Inquired XXXX XX/XX/2021, XXXX XXXX Inquired on XX/XX/2021, XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/2021, XXXX XXXX XXXX  Inquired on XX/XX/2021, XXXX XXXX XXXX XXXX XXXX on XX/XX/2021, XXXX XXXX XXXX Inquired on XX/XX/2021, XXXX XXXX XXXX  Inquired on XX/XX/2021, XXXX XXXX XXXX XXXX Inquired on XX/XX/2021, XXXX XXXX XXXX Inquired on XX/XX/2021, XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021, XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/2021, XXXX  Inquired on XX/XX/2021, XXXX Inquired on XX/XX/2021, XXXX Inquired on XX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Good Afternoon, i first noticed that i had a collection open with Hunter Warfield, i contacted them what it was about and i was told that it was from a broken lease, and i replayed that i didnt terminate a lease with XXXX XXXX, and didnt renew my lease. i requested a copy of the claimed lease and they couldnt provide it. i asked if paying this would delete the collection from my account several times and every response was a blank message. can you please assist me with this, when i moved out of my apartment at XXXX XXXX XXXX, i was served with an evition notice either pay in 3 days or return keys. i returned my keys to the office in the drop box. i have attached a communication log from hunterand warfield i have attached the resaults of the dispute that says it was sent to the credit beaus for deletion and the communications with the company that states they dont have a copy of the lease. they also claim they sent a notice if they did i didnt recieve it to dispute this. and oboviously it wasnt certified letter so they cant prove it was signed for upon reciept
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a natural person, Iam a living human being .I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And violate my rights numerous times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I am enrolled in the public student loan forgiveness program. I have submitted my employer certification form regularly and qualify. I have also been in a qualifying plan with income based repayment. This is through " Myfedloan. '' The number of qualifying payments fluctuates seemingly at random. I asked for a review of this in XX/XX/XXXX and was told that I would receive a phone call and e-mail about progress. I had received no communication so I called again XX/XX/XXXX. Then I was told it may take six months. In XXXX I received a letter ( which I have attached ) that showed updated payment amount. However, these have once again begun to fluctuate. As an example for 1 loan : XX/XX/XXXX - 32 qualifying payments ( this is the first loan listed on the XXXX bill that is attached ) This number was quite low. And prompted the original phone call in XXXX. 

XX/XX/XXXX - 78 qualifying payments, letter attached. 

XX/XX/XXXX - Bill confirms all of these amounts, bill attached XX/XX/XXXX - Multiple loans change amount of qualifying payments ( majority go down, meaning I lost payments ). 

XX/XX/XXXX - Several loans lose more payments. My employee certification form was once again sent and accepted. 

I called again on XX/XX/XXXX. They tell me that my file is still in review. Can you imagine making a XXXX dollar monthly payment and after multiple months they take 10 payments away? If this was a car and you went to the dealership and they told you the last XXXX dollars didn't count, what would the legal system do? There is no point person for my case. They will not give me a possible end date, merely saying they are " working on it. '' They will not call or email updates though they always say they will. They will not give me any of the paper work they are reviewing to make these determinations. I speak with someone different each time I call. I am getting closer to what should be an end date for forgiveness and in reality there is no end in site as they can simply erase multiple payments for no clear reason. Along with this, I am stuck with my ridiculous interest rate of 7.3 % on average as you can not refinance and stay in the PSLF program. Biggest scam ever. I can not plan for my future as I have no confidence this program is going to actually work, yet I feel stuck as I am so far in at this point that refinancing would result in dramatic financial hardship. 

Please help me make them accountable!
Product: Credit card

On XX/XX/2024, I authorized an {$8500.00} charge by XXXX XXXX as a partial payment for a floor remodel on my house. The total amount due is approximately {$19000.00}. The contract includes terms that this purchase would be eligible for 2 % cash back as part of a XXXX and Citibank promotion. Other purchases on this card are also to be eligible for between XXXX % cash back reward. 

Because my credit limit was only {$9500.00} and I already had charges on this account, I had an agreement with XXXX XXXX  to pay the balance of the XXXX in XXXX more increments as soon as I paid off the charges and then they could re-run the charges. 

On XX/XX/2024, I paid the outstanding balance of {$9200.00} on my Citibank account. The payment cleared my credit union on XXXX XXXX. However, when I tried to use my account on XX/XX/XXXX, I noticed that my card was declined. On XX/XX/XXXX, I made a series of phone calls to Citibank and XXXX asking why my card was declined. I was told that Citibank was going to need until XX/XX/XXXX to verify my payment. I offered to provide direct proof that the payment had cleared my account instead of waiting 12 days. I was told that was not possible. I also asked for an increase in my credit limit, but that was also declined. 

I can not understand why it would take 12 days to " verify '' an electronic payment. 

Please find a recent printout from Citibank showing payment made on XX/XX/XXXX, and that as of XX/XX/XXXX, my available credit is less than {$3.00}. Also please find a printout from my credit union showing the payment cleared on XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

When I signed up for blockchain.com I might have misspelled my email ( hence they only require to put it once ) and when I was done with signing up I never got an email with my wallet id # ..that left me in a very bad spot ... no email and no id.. I might have put the right email but all I know is I didn't get it. I do have the password and I have recovery code which should be sufficient. I deposited XXXX XXXX The date was XX/XX/XXXX. I sent it from my XXXX wallet. I've contacted them several times and can't get anywhere. I saw online that they have scammed others and at this point I don't trust them. I added a photo of my wallet from XXXX sent to blockchain.com and a photo of what comes up when i put the recovery phrase.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : XXXX 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: Mortgage

Please see attached letter. I have files : written correspondence from Citizens, emails from Citizens and emails from the Attorney 's office working on the case, however the files are to large to attach here. I can sent the files in a separate email.
Product: Money transfer, virtual currency, or money service

XX/XX/year> To, Citibank N.A., XXXX XXXX XXXX XXXX XXXX South Dakota XXXX Fax No. : ( XXXX ) XXXX XXXX Ref. : Claim Number : XXXX Related to Imposter Scam Sub. : Submission of additional documents for ongoing Claim. 

Dear Sir, I am writing to provide additional documentation related to my above-mentioned ongoing claim with your bank.

I have reported the scam ( s ) to two relevant authorities : the Federal Trade Commission and XXXX XXXX XXXX. This step was taken to ensure that the situation is addressed from all angles. I am enclosing the said report communication to support my claim, : 1. The acknowledgement of XXXX XXXX XXXX against the fraud of US {$250.00} & US {$250.00} reported to XXXX XXXX XXXX. 
2. The acknowledgement of XXXX XXXX XXXX against the fraud of US {$490.00} & US {$1.00}, reported to XXXX XXXX XXXX. 
3. The acknowledgement of Federal Trade Commission against the fraud of US {$250.00} & US {$250.00}, reported to Federal Trade Commission, having Report number : XXXX. 
4. The acknowledgement of Federal Trade Commission against the fraud of US {$490.00} & US {$1.00}, reported to Federal Trade Commission, having Report number : XXXX I believe the enclosed documents will further assist in the review and resolution of my claim. Please let me know if you require any further information or additional documentation.

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I discovered an unauthorized and inaccurate collection account on my credit report from Equifax associated with XXXX XXXX, account number XXXX. This account does not belong to me, and I have no knowledge of its origin. I formally disputed this account with the credit bureau, requesting verification and removal based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ).

Despite my formal dispute and request for a thorough investigation, Equifax has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus are required to conduct a reasonable investigation and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as Marchisio v. Carrington Mortgage Services, Henson v. CSC Credit Services, and Johnson v. MBNA America Bank, NA.

This inaccurate information is damaging my credit score and affecting my financial standing. I believe that the credit bureaus failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary harm.
Product: Credit card or prepaid card

I filed a dispute for a transaction, but Amex failed to start an investigate and refund the charge. I used my card on a hotel reservation with confirmation # : XXXX, check-in date : XX/XX/. It was canceled WITHOUT any penalty with cancellation # : XXXX. The merchant told me they ALREADY processed the refund it to AMEX long ago, but the refund never showed up my billing statement at AMEX. I filed disputes with AMEX multiple times, Ref. XXXX and Ref. XXXX. But AMEX just closed my disputes without any explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNT DOES NOT BELONG TO ME, PLEASE INVESTIGATE YOUR CREDIT REPORTING AND HAVE THE DEROGATORY MARK REMOVED OFF MY CREDIT FOR IT HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT FILE.
Product: Credit reporting

My lien was paid and released in XXXX 2015, I sent in documentation per the Mississippi Dept of Revenue website that a paid lien can be removed from my credit bureau report. I sent in the lien release form as well as printed documentation from the website and they still refuse to remove the tax lien.
Product: Mortgage

On XX/XX/XXXX I called Shellpoint Mortgage/New Rez to ask about assistance with my XXXX payment, the rep on the phone informed me that they could do a repayment plan, however, misrepresented the fact that I would be reported late on my account. I specifically confirmed with them that if I paid by the XXXX, my payment wouldn't be counted as late and the representative confirmed that it would not. However, when my credit was pulled to buy a new home in XXXX, XXXX and XXXX were marked late. I submitted a dispute to the credit bureaus, as well as directly with Shellpoint/New rez and nothing has been resolved. I have called Newrez/Shellpoint since XX/XX/XXXX and I am never able to speak to someone about my issue, they just redirect me to emails or links on their site. I have followed all of their guidance since XX/XX/XXXX to resolve this issue and the only thing I received was a letter on XX/XX/XXXX from them that did not address my issue, which was that their representative misrepresented information that resulted in my account being reported late to the credit bureaus. I have asked them kindly to please remove the two late payments as a cause of their employee, however I have not received any notice that they will. This has placed a huge burden on our current home search, as my XXXX XXXX dropped. I have asked Shellpoint/New Rez to review the call where their representative set up my auto pay and confirmed that it would not be late, however, they have failed to do so. I in fact made the payments on time for XXXX and XXXX, my account was set to autopay and it was confirmed with me that my payments would not be late. Had I known, I would have avoided this situation.
Product: Credit reporting or other personal consumer reports

TransUnion and XXXX credit reporting continues to report invalid and time barred information on my credit report. I have provided information to support my claim. XXXX has removed the inaccurate information. The FTC states Date of first delinquency ( DOFD ) are to be removed from your credit report within 7 years from DOFD. MO revised Statue collection dates has expired. XXXX XXXX loan open date XX/XX/XXXX with DOFD of XX/XX/XXXX. XXXX XXXX loan open date XX/XX/XXXX with DOFD of XX/XX/XXXX. XXXX XXXX loan open date XX/XX/XXXX with DOFD of XX/XX/XXXX. XXXX XXXX are using the Date of Last activity DOLA ( when they were discharged from my XXXX XXXX  ) to keep account on my credit report not Date of First Delinquency to remove it. This is causing Finacial harm. I had requested this removed since XX/XX/XXXX and again XX/XX/XXXX and no action have been taken, except for them saying it will remain on my credit report u till XXXX. 

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

I am submitting my complaint to solved this matter. I've submitted previous complaints with the CFPB & you claim I'm submitting the information for someone else. I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The three credit bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). The disputed information was reporting to my credit file held by them. These items were appeared fraudulently. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to remove the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the following items be removed from my report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I 've disputed these XXXX reportings from XXXX XXXX XXXX numerous times. All XXXX reporting accounts erroneous. Account Status Inaccurate/Should n't be a " Past Due '' balance on a collection. Not to mention no true validation for these accounts has been provided and Experian says that the accounts were verified. Please see attached documents of these erroneous accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was closed and opened again on my credit report 5 months later without on consnet. Account was also closed XX/XX/2021 and removed from my report, The account should not have been added back on my report without my written consent. 

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 15 U.S.C 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