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

I am filling 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 process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

TransUnion Consumer Solutions XXXX XXXX XXXX XXXXr, PA XXXX Subject : Request for Removal of Unauthorized Hard Inquiries To Whom It May Concern, I am writing to formally request the removal of several unauthorized hard inquiries from my TransUnion credit report. I recently reviewed my credit report and noticed the following inquiries, which I did not authorize : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), hard inquiries should only be placed on my credit report with my explicit consent. Since I did not authorize these inquiries, I am requesting that they be removed immediately to prevent any further negative impact on my credit score.

Please conduct an investigation and provide me with a written response confirming the removal of these inquiries. If you require any additional information, please contact me at the phone number or email provided above. 

Thank you for your prompt attention to this matter. I appreciate your cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 
Below are the accounts I am requesting to be reinvestigated : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I AM FILING A COMPLAINT AGAINST CASH APP ( BLOCK , INC ) DUE TO INADEQUATE CONSUMER 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Fraudulent Inquiries : 1. XXXX XXXX XXXX XXXX, Inquiry Date : XXXX XXXX. XXXX XXXX, Inquiry Date : XXXX 3. XXXX XXXX XXXX XXXX Inquiry Date : XXXX 4. XXXX XXXXXXXX XXXX XXXX Inquiry Date : XXXX XXXX. XXXX XXXX XXXXXXXX XXXX, Inquiry Date : XXXX XXXX. XXXX XXXX, Inquiry Date : XXXX 7. XXXX XXXX XXXX, Inquiry Date : XXXX 9. XXXX  XXXX XXXX, Inquiry Date : XXXX 10. XXXX, Inquiry Date : XXXX 11. XXXX XXXX XXXX, XXXX Date : XXXX XXXX. XXXX XXXX, Inquiry Date : XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XXXX I did not authorize anyone employed by these companies to make any inquiry and/or view my credit report. In addition, I did not give Experian, written permission or my consent to furnish this information onto my credit report or consumer credit file. 
This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is also a serious breach of my privacy rights.
Product: Debt collection

This debt collector has not provided me with proper debt validation for this alleged debt. Please delete this from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

You have to fix this account, verify and delete it, its always paid on time XXXX XXXX XXXX, the account was not transferred.. You have to fix this account, verify and delete it, its always paid on time..I sent numerous letters to credit bureaus but they did not fix it..CFPB step up and fix the account
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these inquires.
Product: Credit reporting or other personal consumer reports

THIS ORGANIZATION VIEWED at credit report and notice inaccurate information AND VIOLATIONS CORRESPONDING BACK AND FORTH FOR WELL OVER 90 DAYS FOR REMEDY TIME ALLOTTED FAILURE TO SUBSTANTIATE THE CLAIMS HAS PASSED PLEASE SETTLE ACCOUNTS IMMEDIATELY WITH DELETED NOW ASAP 15 USC 1601-6802 AND 15 USC 1667e 15 usc 1667f i have sent several letters last being XX/XX/202XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found some items may be inaccurate and in fact breaking the law. 
Under 15 U.S. Code 19681 e ( b ) accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 Code 19681 I ( 5 ) Treatment of inaccurate information or unverifiable information ( A ) in general if after any reinvestigation under paragraph ( 1 ) if any information disputed by a consumer an item of the information is found to be inaccurate or incomplete can not be verified, the consumer reporting agency shall ( i ) promptly delete the item if information from the file of the consumer or modify the information as appropriate based on the results of the investigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the items from my credit report. 

XXXX XXXX XXXX XXXX, SC Original creditor Says Last reported XX/XX/XXXX Last Payment Date was XX/XX/XXXX according to their records They are saying the account was Opened XX/XX/XXXX ( XXXX XXXX XXXX XXXX  ) to the credit bureaus.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with the following third party collections and other agencies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not have a contract with them and they did not provide me with the original contract as I requested.
Product: Credit reporting 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 XXXX XXXX XXXX. 

The accounts below have violated my rights. 
XXXX XXXX XXXX section XXXX. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate
Product: Money transfer, virtual currency, or money service

I did maintain a Mechanics Bank, for professional business account, and was during the time mine account was opened, arrive in person, in order cash, at deposit a secure legitimate jurisdiction, insurance type check, written to me, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
applies attend mine at Mechanics Bank, mine for professional business juris. 
The check was submitted for deposit to be cashed available for transactions, at secure attends mine Mechanics Bank, for business account, although a serious problems arise when the check failed a timely, for cash jurisdiction, it, the cash, released funds be made available to me the account holder, owner, of XXXX XXXX XXXX, and document company, XXXX XXXX XXXX. 
Mine available submitted insurance type check, that should have been add confirmed to cash, within 3-5 business days, was held unnecessarily, of at an attends Mechanics Banking , then contracts, for period exceed 10-days, cause me injury, upset VA XXXX XXXX XXXX XXXX XXXX, compel me use of VA prescribed medications, cause severe at mine professional legal business, XXXX XXXX XXXX XXXX XXXX  XXXX, damage to special legal document project, and monetary loss, especially that apply business jurisdiction.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my outrage and frustration regarding the ongoing identity theft that has severely impacted my life. I have been a victim of identity theft since XXXX, and despite my relentless efforts to address this issue, my situation remains unresolved. Credit accounts have been fraudulently opened in my name, and my personal and financial information has been exploited without my consent. 

Since XX/XX/XXXX, I have filed reports with the major credit bureaus ( XXXX, XXXX, and XXXX ) in XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX, with no meaningful resolution or support provided. Additionally, I have engaged in numerous disputes with the affected companies, as well as filed formal complaints with local law enforcement. After months of investigation, I was told to continue filing disputes with the credit bureaus, which I have already done, time and time again. 

The level of negligence, indifference, and lack of action on the part of the credit bureaus and the companies involved is completely unacceptable. I have invested an enormous amount of time and energy into this process, yet nothing has changed. I have been met with delays, dismissals, and outright incompetence at every turn. My financial reputation, creditworthiness, and personal peace of mind have been severely damaged, and I can no longer tolerate the ongoing failure to rectify this situation. 

As a result of this persistent lack of accountability and resolution, I have been forced to take legal action. I am now working with a law firm to pursue a formal lawsuit against the responsible parties for their negligence and failure to address this issue in a timely and responsible manner. This is my final step after exhausting all other avenues, and I expect immediate action from the relevant parties to remedy this situation before the matter proceeds to litigation. 

I demand that the fraudulent accounts in my name be removed immediately from my credit reports, and I request a full and thorough investigation into this matter with clear, documented updates. If this issue is not resolved promptly, I will not hesitate to pursue every legal option available to me. 

This is no longer a matter that I am willing to tolerate. I am prepared to take all necessary legal steps to hold the responsible parties accountable for the damage that has been caused to my financial security and well-being. 

I look forward to your immediate response and action on this matter.
Product: Debt collection

I'm writing this complaint in regards to a collection from XX/XX/XXXX to resolve and remove fraud on my account of a sum of {$1200.00}. Creditor Liberty Mutual Insurance ( XXXX XXXX XXXX, XXXX, MA XXXX ) and XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, MA XXXX ) falsely used my information to insure a car without any signatures or being made aware. There was a delinquency that was given to collections and has stained my record. 

When I called to dispute in XX/XX/XXXX, collections service was rude and disrespectful. And could not resolve something that was fraudulent. 




XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX  XXXX ( XXXX ) XXXX
Product: Money transfers

Hi, I used PayPal to send and receive money. I always say to take the money out of my bank account if I make a purchase so I can keep track of my purchases for film and tv purposes ( I work for XXXX ). However, my friend sent me {$500.00} AFTER these purchases were made and AFTER I had verification that these purchases came out of my bank account, and they used this as the money to pay with even though I had already told them to take it out of my account. Additionally, i tried to give the money back to the people on XX/XX/XXXX and XX/XX/XXXX, and PayPal Charged me twice. Once when they sent it and once when I returned it. So, I was charged {$30.00}. When I reported this, they said I was only charged once, but I can clearly see I was charged twice -- they told me i. i need this fixed in the system before I can withdraw money for tax purposes -- I need the XXXX, XXXX and XXXX charges to come out of my bank account, not the PayPal balance -- which came after I made the purchases over the weekend. I made the purchases prior to this..I was on hold and they told me I needed to talk to a specialist, but when they transferred me that office was closed. Additionally, when XXXX sent me money in XX/XX/XXXX, she also sent it the wrong way, I was charged XXXX and promised by Pay Pal to have this money refunded, though it never happened. The person at PayPal, said this money should not have come out in this manner and they apologize, but he said only a specialist can fix this for XXXX tax records. Can you help look into these issues for me? They owe me {$60.00} in fees that were promised back to me. Additionally, I need the monies to be canceled if they can not fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAN 30 day they are in violation of the " FAIR CARES ACT '' inquiry Credit Bureau XXXX - XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION! 
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 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 federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$1800.00} XXXX  XXXX Balance : {$590.00} XXXX XXXX  XXXX Balance XXXX {$8100.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX  XXXX XXXX XXXX Balance XXXX {$0.00}
Product: Credit card

This complaint pertains to the improper handling of my credit application, account restriction, and Affirms failure to address my concerns, which has resulted in a breach of contract and violation of federal laws. 

1. Background of Complaint : a. On XX/XX/XXXX, I submitted a formal complaint to Affirm outlining multiple concerns regarding the handling of my credit application and the lack of transparency or justification for its denial. This complaint was registered under Case ID : XXXX and assigned to XXXX  XXXX XXXX Supervisor XXXX XXXX 

b. On XX/XX/XXXX, Affirm responded, claiming that additional follow-ups were required and stating that an additional 10 days were needed to address the matter. 

c. XXXX XX/XX/XXXX, Affirm again stated that 10 more days were required to resolve the issue. 

2. Failure to Resolve : a. As of XX/XX/XXXX, nearly a month after Affirms pledged 10-day response timeframe ended, no substantive resolution or further communication was provided. 

b. To date ( XX/XX/XXXX ), I have not received any follow-up, explanation, or resolution from Affirm, despite repeated assurances. The case has now been marked closed without addressing my concerns, leaving the matter entirely unresolved. 

3. Breach of Contract and Legal Violations : a. Breach of Contract : Affirms failure to adhere to the agreed-upon 10-day resolution timeframe constitutes a breach of its obligations to address and resolve my concerns.

b. Withholding or Limiting Access to Credit : Affirm restricted my account, rendering it unusable, and denied my credit application without valid cause or explanation, violating my rights under applicable federal laws. 

c. Fraud : By withholding or limiting access to my credit and failing to provide transparency, Affirm has engaged in conduct that constitutes fraud under federal statutes.

d. Failure to Provide Consideration or Performance : Affirm has failed to fulfill its obligations to perform or provide consideration for the value I extended through my endorsed application, which I consider a legally recognized security.

4. Harm Caused : Affirms actions have caused me significant financial harm and reputational injury. The restriction of my account has hindered my ability to use the services for which I provided my personal and financial information in good faith. The denial of credit without sufficient reasoning has further exacerbated these damages, causing undue stress and financial strain and inconvenience.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have not applied for these accounts are fraudulent.
Product: Credit card or prepaid card

i had two synchrony bank credit cards ( one for XXXX and the other synchrony care card ). Both cards were cancelled unjustifiably. When I received a letter in the mail about the XXXX card, I paid the past due balance in early XXXX and they closed it on XXXX XXXX. My synchrony bank account was also closed last month and I was up to date on all of my payments. I was told that they apologize for the inconvenience, but I would still have to apply for another card since it was already closed erroneously??? That makes absolutely zero sense. They messed up my credit score with all of this and I want them to fix this immediately. I have seen the complaints recently and the main ones is the statements not matching, saying that the cusstomer is past due on payments when that is incorrect, and erroneously cancelling credit card accounts without permission or explanation. This gives me the indication that I am not the only one nor the last person who will go through this if they are not held responsible for not even attempting to resolve these issues. Messing with people 's livelihoods is not the type of company that I would like to do business with in the future. Also please note that even though my accounts have been closed. I still maintain my payments. So they can not say that I have stopped. They have also shut off my autopay without my permission which is why one payment was late with XXXX.
Product: Debt collection

North star locations services had been constantly calling my phone and sometimes even my mother 's phone early in the morning claiming I owe money to them. My car got picked up XX/XX/XXXX. About two days after I sent my payment through XXXX XXXX sent a repo truck to come pick up my vehicle. About a month later, the north star location services phone calls started. The first call from them thru told me my vat had been sold through an auction. I did not receive any documentation about this matter. Ever since then they have been calling me early in the morning while me and my XXXX are still sleeping. I just want the phone calls to stop because I just about had it.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I submitted a payment to a vendor utilizing Plastiq platform. The company charged my XXXX XXXX on XX/XX/XXXX and immediately afterward canceled the transaction stating " Plastiq can not support this payment category. '' I believe the company would have known the payment category was prohibited before Plastiq charged my XXXX XXXX. 

I have sent 6 emails requesting additional detail and the company refused to reply back. It has now been 10 days since Plastiq claimed to have refunded my credit card. 

Transaction amount {$7700.00}
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach. Fraudulent accounts and inquiries have been added to my credit report without my authorization. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the following items from my credit report : Fraudulent Accounts : 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

I AM A VICTIM OF IDENTITY THEFT. THERE ARE NAMES, ADDRESSES, ACCOUNTS, AND EMPLOYERS ON MY REPORT THAT I DO NOT RECOGNIZE. PLEASE REMOVE THE FOLLOWING IMMEDIATELY! THANK YOU 
NAMES: XXXX XXXX XXXX XXXX XXXX XXXX
ADDRESSES: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX  MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MO XXXX
EMPLOYERS: XXXX XXXX XXXX XXXX XXXX XXXX