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

I I'm 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 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

XXXX XXXX-I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report. 
DISCOVERBANK XXXX-I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report. 
DISCOVERBANK XXXX-I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report. 
XXXX  XXXX am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed accounts on my Experian credit report that is not mine or not being reported correctly but it's still showing on my report.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FEDERAL CREDIT REPORTING ACT XXXX MUSIC ACCOUNT NUMBER 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 CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Debt collection

IC Systems has listed a collections account at all three credit bureaus. The account has been closed since XX/XX/2014 and all receipts are included in this document. IC systems requested my payment receipts. I provide all receipts of the balance being paid in XX/XX/2014. IC Systems refuses to remove this negative collection account from each credit bureaus and offering a settlement of {$100.00} to remove the debt. I told IC Systems that I don't owe them anything and refused to settle with them. They told me that the debt will remain until I pay the settlement. Please investigate and have IC Systems to remove this from my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 EQUIFAX DATA BREACH 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 EQUIFAX DATA BREACH 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. 


I demand the following EQUIFAX DATA BREACH UNVERIFIED HARD INQUIRIES be removed 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian should not be reporting the XXXX XXXX XXXX partial account number XXXX on my credit report. I never received any bill from XXXX XXXX XXXX. I contacted the bank and they informed me that I enrolled in paperless statements and I never enrolled in paperless statements and therefore was not aware that this account even existed and any payment was due. XXXX has removed this item completely and is reporting correctly. Please remove this line item from Experian. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Vehicle loan or lease

My car was stolen on  XXXX / XXXX / XXXX  it was reported by th e NYPD since  it was in there possession due to an alleged dwi arrest on  XXXX / XXXX / XXXX  I was notified by the bank on  XXXX / XXXX / XXXX  that it was reported stolen the  NYPD never n otified me I had already retained an attorney  XXXX   XXXX  to have the car released unaware that it had been stolen. I went to the precinct that seized my car on  XXXX / XXXX / XXXX  they gave me all the paperwork to have my plates reported stolen  at NYS DMV  I did that I reported it to the insurance on  XXXX / XXXX / XXXX  I called the bank flagship credit acceptance and advised them that it was in fact stolen. I have been called twice by  XXXX  a supervisor at flagship stating I stole the car to return it or I had to pay {$2000.00} to have them find it and once they recover the car they will sell it and terminate my loan as non payment. I have been making my payments monthly from  XXXX  and still making them since the insurance company refused to cover the lost because t he NYPD is responsi ble so my attorney  XXXX   XXXX  has already file suit against t he NYPD for the co st of the car. If I have to continue paying the monthly loan payment I understand and will payoff the loan when we are awarded the money from the city but what I do n't understand is flagships harassing business practices the threats and accusations when I have done everything and have proof of what happened to the car.
Product: Credit reporting or other personal consumer reports

I obtained this mortgage XX/XX/XXXX. In XXXX I requested a loan modification. I received paperwork that belonged to a totally different person m. The home was in Florida XXXX over XXXX, and not in my name. All the mortgage paperwork including XXXXersonal information/social security/account numbers . There was a lot of back and forth with XXXX because they didnt believe that I had this information, even though I couldve easily sent proof. 

Fast forward to now ( XX/XX/XXXX ). There is no record of my mortgage on my credit report. Not on any of the 3 major credit bureaus. I contacted XXXX who informed me that they are reporting my mortgage, and to contact the credit bureaus. 

Experian informed me that they were able to locate the account however it is under another persons name, my social, being reported on their report. Of course they couldnt tell me the name of the other person. 

XXXX. After them telling me to dispute it online and me telling them how if the account isnt showing up to dispute. After being transferred numerous times due to incompetence, a person looked up the account with my information and informed me that it is being reported, on another persons credit report, my loan number, my social security pulls it up, another persons name. 

At this point I didnt try XXXX XXXX 

I called XXXX back. Informed them of the information gathered. Informed the representative of the loan modification paperwork I received years ago that wasnt mine however XXXX didnt take seriously. She looked back on that year in my account, lets say without her being able to confirm that I was right, she never said it didnt happen. 

She told me to write to their credit dispute department with proof that they arent reporting ( you can pull my credit report and clearly see no mortgage is reporting ) and to wait 30 days. 

There is no use. If they are adamant they are reporting and are not looking that 1. My information is on someone else credit report, 2. my social security is out there, 3. I got another persons mortgage information in my safe, it is beyond working with this company. 

I been denied home improvement loans, synchrony ( XXXX ) closed my account due to me not needing credit because I am not a homeowner, and my credit score cant get above XXXX because there isnt a mix of accounts on there due to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
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. 

Account name : XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX has violated my rights. Regarding alleged account # 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 : Also states a consumer reporting agency can not furnish an 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. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove in 4 days
Product: Debt collection

Today, XX/XX/2022, my father handed me a letter from Linebarger Goggan Blair & Sampson , LLP, attorneys at law, dated for XX/XX/2022. This letter falsely states a previous notice for a fake debt. This debt is in regards to a tollbooth I think, despite the fact that the state of Georgia ( where I and my father live ) has no tollbooths, except maybe in XXXX. Linebarger claims that there is a debt on our car for the " XXXX XXXX XXXX XXXX '' and " XXXX XXXX XXXX Colorado XXXX XXXX XXXX XXXX XXXX I don't mean this to be rude, but why on earth would anybody drive all the way to Colorado? I, the driver of the vehicle in question, have never been west of XXXX and have never driven farther than XXXX, GA. I thought that the " XXXX '' was a highway in Colorado, but XXXX said that it's something like a toll booth near or in XXXX. I'm not sure since I've never seen it or know what XXXX would look like, since I would never drive there, given that it's over XXXX miles away from me. I thought that this was a simple scam, but I discovered that Linebarger is actually a real debt collector. I tried calling them, and the system put me in a queue but reset my place and made me enter the reference number every XXXX seconds, so I am unable to ever possibly reach a real person. This is ridiculous, and I believe that either Colorado or Linebarger has made an error.
Product: Credit reporting or other personal consumer reports

My credit report is showing unauthorized, unverified inquiries that is hindering me from being able to utilize my credit. Listed below will be the inquiries as well as date opened and the credit bureaus that it needs to be removed from according to the FCRA. EXPERIAN : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX 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
Product: Payday loan, title loan, or personal loan

This is a Care Credit account ( Synchrony bank ) opened to finance dental work. I sent small payments and explained my situation ( unemployed, no savings ) and told them I would pay what I could. They call, text or email several times per day. 

They sent a text saying we can help and when I call, they tell me I will incur service charges and late fees. They have done nothing to help and contact me every single day.
Product: Money transfer, virtual currency, or money service

I have assets I purchased that are held in a BlockFi wallet. This wallet is held in my name in cold storage and is not to be used to satisfy secured creditors if bankruptcy comes. As such BlockFi has illegally and indefinitely blocked me and thousands of others from withdrawing or transferring these assets held in our BlockFi wallets as they prepare to file bankruptcy.
Product: Credit card or prepaid card

Multiple disputes opened for charge made around XX/XX/22 in the amount of {$210.00} Item never received. Overcharged for item. A large amount of evidence was provided on multiple occasions. Bank is siding with an XXXX artisan in third-world XXXX despite my proof.
Product: Mortgage

We currently have an FHA loan & after 5 years, we are eligible by law to drop our Private Mortgage Insurance ( PMI ) if our debt to equity is below ~78-80 %. Nationstar Mortgage is denying us, because they are claiming it is based on the original loan value. However, in their letters they stated that it 's either the loan value OR current market value. I tried tirelessly to a contact a representative at Nationstar Mortgage to get an appraisal done ( at my expense ), but I am getting runarounds and other excuses as to why I am not able to get this process completed. They are insisting that I refinance my mortgage in order for this to occur. Over a year ago, I was able to contact a representative and he explained the process that was needed to be done. However, I was n't eligible by law because I did n't hit the 5 year time frame. Now that the value of my house is well above $ XXXX ( rough estimate to meet the % requirements ), it is now time for the PMI to be removed indefinitely, with a credit back to me from Nationstar Mortgage for not working quickly with me to resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

( DISPUTE CODE -103 ) ( DISPUTE CODE -104 ) My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : 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

I want theses account deleted : XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Equifax and XXXX was requested to complete an investigation and ensure accuracy of my consumer report. The following accounts per the 3 credit reporting agencies came back verified as accurate. As of XX/XX/XXXX I checked my consumer report and found over 47 inaccuracies concerning these accounts. If all 3 CRAs did an investigation by contacting the same creditor why is it I have 41 inconsistences on my consumer report? I want these items deleted. I am supposed to be protected my the consumer laws : 15 USC1681i ( 5 ) A ) ( i ), FCRA 607b-accuracy of report, 15 USC 1681s-2 ( 8 ) ( E ) ( D ) ( iv ). Please see my consumer report and view all of the inaccurate information that is listed. For XXXXXXXX XXXX XXXX is reporting a 30 day late payment for XX/XX/XXXX and Equifax and XXXX are reporting a 30 day late payment XX/XX/XXXX. XXXX is a closed account however Equifax is reporting an account status as open and XXXX and XXXX is reporting it closed. XXXX XXXX is a closed account however Equifax is reporting an account status as open and XXXX and XXXX is reporting it closed. XXXX XXXX XXXX and XXXX is reporting a high balance of {$1800.00} and Equifax is reporting nothing, Balanced owed XXXX and Equifax is reporting {$1300.00} and XXXX is reporting {$1400.00}. 

I want these items deleted from my consumer report immediately.
Product: Checking or savings account

I was banking with XXXX XXXX  at one point. But they closed my account due to a check being deposited into my account. I had called XXXXXXXX XXXX  and reported my card stolen and explained to them that I didn't know why I wasn't able to log into my mobile app. Thats when they told me a fake check was deposited into my account. Besides that I had my card stolen at a party I had attended. I always write my PIN number on the back of my bank card or any other card I own so I won't forget. On top of that I received a phone call to give my routing and account number. I just thought it was important to do so. Now I'm in a bad situation. Can someone please point me in the right direction. I deeply appreciate it. I tried to even bank with Pnc Bank but they won't let me open an account with them either.
Product: Debt collection

I reached out to XXXX XXXX XXXX XXXX XXXX  in XXXX NC on Friday XX/XX/25 who was responsible for sending out letter correspondence on behalf of one main financial to provide me debt validation due to 15USC1692g providing me with the history of payments that I made on this credit account. The payment history was not validated properly. I also asked for them to provide me proof of signature I put on the original contract and and they sent me copy of contract with digital E- Signature. I also asked for any insurance claims filed on this debt and I didnt receive a copy of that or proof. Lastly I asked for proof that this law firm has the chain of title to collect this debt on behalf of the creditor. This debt was already charged off on my credit report and they are still sending me threatening letters to file judgement against me and garnish wages.
Product: Debt collection

I believe FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Would you kindly review the documents? Several of the listed accounts are inaccurate, and it's causing me discomfort.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested the original contract from XXXX Transunion, and XXXX on a collections account in my credit report. Each time I have tried to contact them dating back to XX/XX/2018 none of the three could verify that the actual debt was valid. Which leads me to believe all three, XXXX Transunion and XXXX  are all miss informing creditors of my information, and in violation of federal law.
Product: Debt collection

Seems like a Scammer phishing for information. Receiving multiple text messages about a debt I dont owe with the amount displayed and a random link. I dont trust it. 

Here is the message : XXXX, XXXX XXXX XXXX for The Government of Washington DC XXXX Balance : {$360.00} To Pay : XXXX XXXX XXXXXXXX or call XXXX Reply STOP to stop
Product: Credit card

I'm a season ticket holder for the XXXX XXXX - they along with XXXX XXXX XXXX XXXX Credit Card advertise that you get XXXX months free interest. The stole the full amount out of my checking account when I clearly had automatic payments set up to pay it off in XXXX months. They admitted their mistake but wouldn't refund me immediately. I had to go to my bank to get the money back since they drained my account. I have auto pay set up, which clearly shows in my online account & they admit it's set up via our online communication and on the phone. It's been XXXX  months in a row they would not take the XXXX payment and kept charging interest. I messaged them XXXX times with all of this in writing. Spoke on the phone with them twice. Non stop canned answers and denials. Nothing to fix the problem. Contact my XXXX XXXX season ticket rep- he was very nice but that was a waste of time. Took months just to get a canned answer and they got nothing done. Basically blew it off. I had to cancel this account and pay it in full, minus the interest that they refuse to credit. A multi XXXX dollar corporation that can't figure out simple auto payments & not keep charging interest is unacceptable & wrong. They didn't care at all and just scammed me out of XXXX months interest free XXXX season tickets. They have jerked me around for over XXXX  months. Beware of their fraudulent illegal shady activities.