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

I am filing this 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 regulation E. these actions have caused significant inconvenience and financial loss and i see appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. XXXX XXXX XXXX XXXX placed a collection on my credit report that was from Fraudulent Activity. I have contacted XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. This is unacceptable! I want this removed ASAP or I will call my lawyer!
Product: Payday loan, title loan, personal loan, or advance loan

The app lets yu settle early but its a tip function that if you are not careful ince you accept yor advance you get accidentally hit the tip button you can adjust it but once you go in the app to do so it always has an error message so when i message support they give me the same XXXX troubleshooting methods which I already know once you tell them that they stop replying but leave the help ticket open
Product: Credit reporting, credit repair services, or other personal consumer reports

Early XX/XX/2019, I ( XXXX XXXX ) set up autopay on the Wells Fargo Dealer Services website. I was indicated on screen that the autopay would take up to 15 days to take effect. 

Wells Fargo claims that I never signed up for autopay and they dont see it on their end, therefore blaming me for an error on their end. And refuses to removed the delinquencies from my credit, when that is the only delinquency that is there, no other missed payment ever. 

Theres no way for me to prove that their online system instructed me to wait for 15 days, so they refuse to help. Theyre saying I created the autopay over the phone in XX/XX/2019, which I did after discovering my online application didnt go through. This detriment is stopping me from buying my new home. Thank you for the help
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted SoFi to determine who owns the debt, and they insisted that they no longer owned the debt and the debt had been sold. However, they continue to report negative information. If SoFi no longer owns the debt then they should stop reporting effective the date sold. 

I've paid to settle the debt, but am unable to get a clear confirmation of how to resolve the issue on my credit report as both companies are directing me to each other and neither are able to assist but took my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. I called the police about fraud and FTC.These items need to be deleted from my credit report XXXX XXXX   XXXX, XXXX XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX . There are some inquiries too that are not mine : XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my reports, the incorrect items was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX credit Bureaus was XX/XX/XXXX, but no response was ever received from you to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to corrected immediately : XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXXccount Number : XXXX ; XXXX XXXX XXXXccount Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account XXXX : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number XXXX XXXX ; XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXXXXXX ; XXXX  Account Number : XXXX ; XXXX Account Number XXXX XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account XXXX XXXX XXXX
Product: Credit card

Please remove the inaccurate and unverified activity in my credit report. i can sue for damages for inaccurate credit reporting. by law you have 30 days to investigate.
Product: Debt collection

Results Report Number : XXXX Date Generated : XX/XX/XXXX DIVERSIFIED CONSULTANT Account This item was removed from your credit report. Please review your report for the details.

View your Report | View your credit score Deleted + 'icon ' Deleted Results Report Number : XXXX   Date Generated : XX/XX/XXXX XXXX XXXX Account This item was removed from your credit report. Please review your report for the details.

View your Report | View your credit score Deleted + 'icon ' Deleted XXXX  Inquiry Date : XX/XX/XXXXThis item was removed from your credit report.

View your Report | View your credit score Deleted + 'icon ' Deleted XXXX  has not taken these off of my credit report like the others have
Product: Credit card

I am begging for help here ... .I called Discover in XXXX to ask for my pay off balance as I am in the process of purchasing a home and I wanted to have all of my credit cards at {$0.00} balance ... XXXX young lady gave me a payoff amount and i paid it over the phone ... I never used the card again and apparently she must have given me the incorrect pay off amount as i was hit with a late payment for {$9.00} that i didnt even know i owed as i figuered i paid it off and never used it again ... .as soon as i saw this i called and was told it was for {$9.00} XXXX explained everything to your representative and was told nothing could be done ... ive called various times and cant be helped ... XXXX am supposed to be closing on my house on XX/XX/XXXX and this is really killing my chances... this one late dropped my score to XXXX XXXX that they say i will not be able to close almost XXXX XXXX... if they look at my payment history i have an excellent one with you this was obviously a misunderstanding... ..this is really causing damages to my credit health and financial health here soon... please help me ....
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/year> -- {$0.00}
Product: Debt collection

Hi, Summary - All my credit cards went to Past Due/ Charge Off/Closed/ Collection statuses for no fault of mine.I never had any derogatory marks on my credit score/history in the past but, unfortunately in the past couple months everything changed and started receiving collection notices. 
One of the company named " XXXX XXXX XXXX '' approved me a special purpose loan and promised in the agreement that they will take care of all the credit card debt I owe to the banks.As per the agreement each month I have to pay " XXXX XXXX '' a low fixed interest rate for all the debt I owe to creditors ( The payment includes the total Credit Debt $ + Lower interest rate ). 

I was asked NOT TO PAY a single Penny to credit card companies from the day I signed the agreement with XXXX XXXX XXXX as they are taking ownership of the debt. 
Once I signed the agreement I started paying XXXX $ + to this company every month fromXX/XX/XXXX. I did make the payments to this company for almost a year but, it never paid a single penny to the creditors. I did follow up with the company asking the status and I was always told that the debt validation is in progress and takes some time. Recently, the company was sued for fraudulent claims and promises and all the website info, contacts no longer exists. I have no clue whom to contact and how to get this resolved. 
( Reference Link - XXXX XXXX XXXX ) For all this time as the company " XXXX XXXX XXXX '' never made any payments to the creditors, creditors started reporting it to credit bureaus and now all my accounts are in collection phase. I called the banks/creditors and tried explaining the situation but, they said they have no alternatives except the collection of the " DEBT ''. 
This made me go into financial crisis. I have no clue what to do and how to proceed. 

All this happened for no fault of mine. I want all the collection notices, derogatory marks on my credit report to be taken off. I even disputed the credit reports with all the credit bureaus but, no good happened everything was same and no changes made.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX I received notice that my payment was past due via email. My payment was made and showed as posted. I contacted upgrade support and they advised that they made an error and would correct the payment application and the credit reporting because my account showed 120 days past due however they confirmed I made payments as agreed each month and should not have been reported delinquent at all. I asked for confirmation when complete. On XX/XX/XXXX I received another notice my account was past due and I reached out to upgrade. They advised I could disregard, my account would be updated by XX/XX/XXXX. It's now XXXX and my account is still showing past due, the last payment has not been applied correctly and I do not have confirmation my credit has been corrected.
Product: Credit reporting or other personal consumer reports

I called your department after I purchased a credit report with MyFreeScoreNOW After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were COLLECTION and LATE CLOSED accounts on my credit report. This is disappointing because I have been paying Credit Hero to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a late closed and collection that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these XXXX XXXX and collection, including this incorrect information from my personal profile. A copy of my XXXX XXXX, drivers License, and my XXXX XXXX XXXXXXXX are all included in this written request. Please help me resolve this issue as soon as possible. 
PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : DEPTEDNELNET XXXX TXXXX XXXX ; Inquiries : XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX Inquiry Date XX/XX/2023.
Product: Debt collection

According to XXXX, I owe {$8200.00} to the XXXX XXXX  in XXXX. This is unfair since I never lived in XXXX XXXX XXXX. I should not be owing anyone money. Apparently this debt has been going on since XXXX XXXX, 2018. I am unsure if this is a case of identity theft or someone messing with me. 

I've asked around, especially the banks where I have an account for guidance in resolving this matter. My credit score has taken an unnecessary hit and I've been unable to make any purchase that would require good credit history, like a car.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Mortgage

My mortgage was sold by XXXX XXXX XXXX to Nationstar Mortgage. I looked up Nationstar online and read all of the horror stories about how inept of a company Nationstar is. So I refinanced my mortgage with XXXX XXXX and the process went smoothly. XXXX paid my loan off on XXXX XXXX. I was told many conflicting stories about when I would receive a check with my escrow balance when I called their support center multiple times. I was told my balance was cleared to be sent on the XXXX and a check was mailed on the XXXX that I never received. They will not send my check by certified mail/XXXX/XXXX with a tracking number and they wo n't wire my money to me. They are purposely sitting on my escrow balance of {$1800.00} and wo n't send it to me.
Product: Credit reporting or other personal consumer reports

I initially submitted a dispute regarding XXXX account from the office of attorney general that are on my Experian credit report due to incorrect balance reported and monthly payments reported. Instead of correcting this Experian reported there was no monthly payment data available from XXXX and as of XX/XX/year> I was 180 days past due. I then contacted the office of attorney XXXX who confirmed I'm current on both accounts and not late. I disputed the accounts again with Experian and provided payment records and conversation transcript from office attorney general which both confirmed I'm not late and all payments are current. But has refused to report this accurate information. Experian has not verified these accounts directly with the office of attorney general, experian does not list the reporting company of these accounts on my credit report. Which leads me to believe they are using outdated public data which I did not consent to. There are multiple inaccuracies again the late payments, no data for XXXX payment history, balance reported, monthly payment amount, company reporting accounts to on credit reports.
Product: Credit reporting or other personal consumer reports

15 US Code 1605 " Definition of a FINANCE CHARGE '' XXXX XXXX XXXX XXXXXXXX Truth in Lending Act Regulation Z 15 US Code 1662 Advising of down payment and installments 15 US Code 1635 Right of Rescission The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if th
e open date is wrong.

Then I ask them to provide me description of the investigation according to

15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that. Also according to 15 USC 1681 s-2 A person shall not furnish any information relating to a
consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

This is violation after violation after violation. This is causing me stress because I have no hope with this system My information was used without my consent which created accounts that im not aware of. U

nder 15 us 1681c-2 these items must be remoled. Remaining Inquires According to 15 use 1681eb Every
thing must

be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong. Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that. Also according to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Product: Credit reporting, credit repair services, or other personal consumer reports

I have three revolving credit card account that have had a balance of XXXX dollars for three months and counting. Equifax has reported a balance on all three of these accounts which is a false claim. Equifax purposely reported the wrong information to keep my score low because of my race and geographic location. I have contacted all three credit agencies and all three lenders and verified the inaccuracies of Equifax to be false reporting. Each credit card account I have had for over 8 years as well. Equifax has reduced my credit score by 68 points on false claims of balances that don't exist on my profile. It is unjust for Equifax to be doing this to consumers because of the race and geographical location this is clearly ( systemic racism ) in a major way. The reason they keep doing it is because nobody has the money or the power to confront them on this.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX XXXX XXXX - Account number : XXXX XXXX. XXXX XXXX  XXXX - Account number : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

After making several disputes with XXXX XXXX and TransUnion, I decided to call the data furnisher Nebraska Department of Health and Human Service Account # XXXX. I found several inaccurate reporting of derogatory and incomplete information on payment history, no first delinquency date or inaccurate on record Until date, and inaccurate payment history XX/XX/XXXX {$900.00}, XX/XX/XXXX {$8300.00}. Also, I have made several phone calls to them requesting the first delinquency date, so I know when this public record should stop being reported on my consumer reports. When will this account be removed from my consumer report? I was told that the first delinquency date was XX/XX/XXXX and asked about deleting the account since It was past seven years. The representative at Nebraska Department of Health and Human told me only the consumer reporting agencies can delete the account. XXXX stated only the data furnisher can delete this account but shows no first delinquency date. TransUnion showed a re-aged account XX/XX/XXXX on my consumer report in XXXX and XXXX consumer report XX/XX/XXXX and no date currently reporting. XXXX doesn't show any first delinquency date and removal date. No one has as of yet told me when does the child support account will be deleted from my consumer report. I have found several violations on my consumer report. I don't know what my first delinquency date is and I have the right to know the first delinquency date so I can know when this child support account will stop reporting on my consumer report. It is inaccurate information because it has changed over the 22 years it has been on my account. I demand immediately deletion of this account from Nebraska Department of Health and Human for violating section 605 ( a ) ( 6 ) prohibits the reporting of any adverse item of information that antedates the report by more than seven years. It's the furnisher responsibility to provide accurate information to the consumer reporting agencies, therefore I demand a immediately deletion of this account. Nebraska Department of Health and Human Services has violated 15 U.S.C 1681s-1 and 1681s-2 ( b ). You are also in violations of 15 USC 1692j ( a ). Be advised if you fail to comply with this request. I may turn the matter over to an attorney.