23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

They ( BofA ) sent me the information of where they sent my monies BUT couldnt explain why!! Ive been receiving these XXXX checks for over 2 years now having them transferred to my personal bank bi/weekly and never had any problems, BUT now this individual hacked my account for over {$2500.00} and its been over ten days without any monies being received, or returned back to my account!!
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 and address fraud on their platform, leaving my account vulnerable and unprotected, Furthermore, their dispute resolution procest 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 XXXX have caused significant inconvenience and financial loss, and I seek appropriate redressfor these violations,
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been more than a year that I have been dealing with this distress. On XX/XX/XXXX I pulled my credit report and realized that there were some incorrect information and errors on my credit report. I realized that my name was misspelled and the correct spelling to my name is XXXX XXXX. Please remove all other names listed on my credit report and keep the name stated above. The Next problem that I am having is the address that is listed, my correct address is XXXX XXXX XXXX XXXX, GA XXXX. Please remove all other address listed on my credit report. I have also noticed errors within the inquiries and an account that isn't mine. I am unaware of these errors and I demand that they're removed permanently as well as immediately with in 48 hours. I have never given anyone my consent to place any inquires on my credit report or consent to place any accounts listed on my credit report. Your company has violated my rights within the FCRA section 609,611,612,605B. I have taken legal actions and filed a lawsuit against XXXX, XXXX, and Transunion in XX/XX/XXXX and I am willing to report back to a courtroom. I have won a few years ago. I am willing to go to court and make sure the errors are dismissed by the judge. I am seeking retribution for damages your company has cause me and my family totaling {$83000.00}. I have filed the lawsuit on XX/XX/XXXX and you should be receiving your subpoena to report to court soon. The hearing is set forXX/XX/XXXX at XXXX in XXXX County Court XXXX XXXX XXXX XXXX, GA XXXX. I am disputing the incorrect errors as an internal dispute and affidavit which takes a period of 5 days. I have been affected the recent credit breach with XXXX, XXXX  and XXXX where my information was leaked. I am a victim of identity theft where my information was used several times. I have also contacted FTC and filed a complaint as well and they're investigating your company as well. I am allowing 48 hours for your company to remove the inaccurate information. This my final good will letter to contact your company.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB Representatives, I am filing a formal complaint against Equifax, as the agency is in clear violation of its obligations under the Fair Credit Reporting Act ( FCRA ). Equifax has refused to investigate unauthorized inquiries on my credit report and has shifted the verification responsibility directly to the creditors, instead of following the legal procedures required. 
Description of Violations and Facts Equifaxs Refusal to Conduct an Investigation of the Disputed Information : On XX/XX/XXXX, I formally submitted a dispute to Equifax requesting the removal of several unauthorized inquiries on my credit report, which appeared without my consent. To date, Equifax has not conducted the necessary investigations to verify the legitimacy of these inquiries. In its latest credit report, dated XX/XX/XXXX, Equifax stated that I should contact the companies responsible for the inquiries directly, rather than assuming the responsibility for verification. 
Failure to Fulfill Investigation Obligations under the FCRA : The FCRA, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), stipulates that when a consumer files a dispute, the credit agency must conduct a " reasonable investigation '' into the information in question. This investigation includes the requirement to contact the responsible creditors to obtain adequate verification. By not initiating this investigation and shifting the responsibility to the consumer, Equifax is violating its legal obligations. 
Obligation to Delete Unverifiable Information : The FCRA, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), requires that any disputed information that can not be verified must be promptly removed from the credit report. Equifax has disregarded this mandate by refusing to investigate and verify the legitimacy of the inquiries. 
Disputed Inquiries The unauthorized inquiries I requested to be investigated, which Equifax has chosen to ignore, are as follows : Creditor : XXXX XXXX  Date of Inquiry : XX/XX/XXXXXXXX  Creditor : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX  Request for Intervention I request that the CFPB intervene to ensure that Equifax : Initiates the investigation of these disputed inquiries and contacts the responsible creditors to obtain verification of authorization. 
Removes the inquiries from my credit report if the creditors do not provide the required verification within t

he 30-day timeframe, in accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) of the FCRA. Considers imposing
sanctions on Equifax for its continuous negligence in fulfilling its legal obligations. 
I am maintaining a detailed record of all communications related to this matter and am prepared to provide any additional documentation to support this complaint. I appreciate your attention to this matter and trust that you will take the necessary steps to ensure Equifax 's compliance with the FCRA. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The late payments shown are inconsistent with my usual payment record.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2400.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Product: Credit reporting or other personal consumer reports

The accountI I had with first financial was closed and reported as a charge off on my account. I never received any notices about them doing this. They never gave me the option to pay or anything. This bank is now closed and I cant get in contact with anyone
Product: Credit card or prepaid card

I have a prepaid card with American Express serve, i was charged on XX/XX/XXXX. {$120.00} from XXXX XXXX  site. I dont have any acct. with them or didnt make any purchase through them. I file a claim to my bank and completed a serve dispute acknowledgement email as they requested and waiting to have a positive response from them. 
I also did make several phone calls to SERVE customer service number to explain the situation and communicate them that also talked to an XXXX Site supervisor over the phone and he confirmed to me that there was not charge or any acct under my namein their system because it doesnt exist. and recomended me to call back my bank and tell them they were willing to share any i formation on their investigation to get this solve. 
After taking to a SERVE Supervisor all this after a few days, he explained me that i will receive a claim acknowled form to be completed as part of the formal claim proccess, that is what I did and on XX/XX/XXXX. i received an email saying that my dispute was declined without any reasonable explanation. 
Simple as that they just decided to decline my dispute. 
At the time I have talked to XXXX supervisor my bank had not yet contacted them and i dont think they did any investigation at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. I have an account connected to Experian XXXX and have made timely payments on the account for the past XXXX months and yet my score hasn't moved upward at all. 

XXXX. While I see XXXX score in the App, it's completely different, shockingly lower to all but me who look at it. 

XXXX. You can never get a hold of any of these people, and if you do, somehow, miraculously, the call gets disconnected. You can snail mail them and they will snail mail you back. What if you have a question? Snail mail. Experian has too much power in disrupting lives and that power goes unchecked and can not be disputed. It is terribly wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$48000.00} ; XXXX XXXX XXXX Balance : {$6300.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXX Balance : {$6800.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX. XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I sent a written letter, via certified mail, to EOS CCA asking for them to validate an alleged debt for XXXX XXXX amount : {$1900.00} ). In addition, I disputed the validity of this debt to all three credit bureaus. All three bureaus deleted record of this debt. In XXXX, XXXX  explicitly informed me that they found that this debt was invalid and not mine through it's investigation. At this point I hadn't received any communication from EOS CCA. 

On XX/XX/XXXX I received a letter from EOS CCA. All it stated was that it was an attempt to collect a debt and it included the original bill from XXXX that they claimed I owe. It had no other information regarding the legality of their right to collect, no disclosure about my right to dispute this debt, or the age and statute of limitations. 

Beyond this, this debt is so old they can not collect on it. Furthermore, It is invalid. I have proof that the bill in question is made up of fraudulent charges on XXXX 's part. in XXXX XXXX failed to report returned set-top boxes when they were brought to physical locations or stores. the set-top boxes that are being charged were returned. Furthermore, the date of the bill does not coincide when I actually lived at the address listed. I moved away in XXXX of XXXX. The account was closed way before the time of the bill and we have proof of payments made. This has been proven. EOS CCA, also intentionally sent the letter I'm referring to the wrong address. IN my initial correspondence with them, I explicitly outline my correct mailing address both on the return receipt and within the letter itself. By sending it to the wrong address, it risked my not receiving it AT ALL, thankfully it was forwarded to my correct address and I received it two weeks after its original listed date. Ibelieve they did this to perverse my ability to respond in a timely manner. 

I believe EOS CCA is trying to coerce me to pay for a debt I do not owe. They used tactics to attempt to confuse, elude, and bait me to pay them money without listing the necessary information required, my rights as a consumer, and using minimal language to create fear and frustration that might lead me to irrationally respond. 

If they continue to try to collect on this alleged debt, I will take legal action to prove this debt is not valid and that their practices have violated the Fair Debt Collection Act.
Product: Credit card

On or around XXXX XXXX, XXXX I used my Apple Card XXXX to purchase an online based course called XXXX XXXX XXXX for {$590.00} XXXX. Unfortunately, the owner of the website turned out to be a fraudster and scammer named XXXX XXXX. Aside from his " XXXX XXXX XXXX XXXX, he offered business payment/processing at a cheaper rate than XXXX and XXXX. After reviewing the course, I determined that the material was dated and of no use to me. I expressed this to XXXX XXXX and he suggested I use his payment processing services. I had XXXX XXXX process my XXXX card for $ XXXX. He was to transfer via XXXX the $ XXXX back minus his fee. I received confirmation from XXXX that the transaction processed successfully. However, XXXX XXXX claimed the processing was pending and he would advance it once it cleared. As time, went by, I knew XXXX XXXX had defrauded me. I complained about the length of time the transaction was taking and he advanced me $ XXXX. Another week went by and I he failed to respond to my calls. I contacted XXXX XXXX and filed the fraud dispute which they did resolve in my favor. Eventually, the charges were reversed on XXXX XXXX. XXXX XXXX then called me and asked why did I do that to him. I told him that I didn't know what he expected because he had lied about the " pending '' status of the transaction despite the confirmation that the transaction processed successfully. He understood that I caught him in a lie. I do have our text message correspondence. I never returned the $ XXXX XXXX XXXX sent me via XXXX. A few days later XXXX XXXX charged my XXXX XXXX for {$1900.00}. He used another business name for the charge called the XXXX XXXX. This business shares the same address and contact info as the XXXX XXXX XXXX. I disputed the charge with XXXX and XXXX XXXX sent his " proof '' of my authorization for the {$1900.00}. His proof was fake and he copied and pasted info from the original purchase for {$580.00} to this {$1900.00} authorization. His proof was so manufactured that it actually helped me. Or at least I thought it should. I wrote a section by section refute of his so called proof. The most obvious was the XXXX stamp from XXXX from the original {$590.00} purchase. He never changed the XXXX address. I was there for a weekend and flew back. I provided proof of this to XXXX. I also provided proof that not only was I in my home state but I was using my credit cards to make local purchases and dining near my home. Yet his proof puts me in XXXX according to his document. Applecard keep finding in favor of the merchant despite my obvious proof. Either they are that stupid or they just aren't reading what I sent to them. If this isn't resolved quickly, I am ready for litigation and would appreciate a consumer attorney referral. I keep reopening the claim over and over again with the same unsatisfactory result. I reached out to Applecard 's XXXX for help and never received a reply. See attached. I can provide text messages from my phone if necessary.
Product: Credit reporting or other personal consumer reports

On XX/XX/23 I contacted Equifax and XXXX to have them remove all late payments showing on my consumer report because they are negatively impacting my credit. I informed the agencies representatives that I did not authorize this information to be on my report and under FCRA laws 15 USC 1681a paragraph 2 titled exclusions sub chapter ( a ) ( i ) states that transactions are not included in the consumer report. A late payment even though it may be negative is still a form of transactional history therefore this information reporting to my consumer report is a violation of this FCRA law. The representatives told me that they are not responsible for the information being reported and asked if I contacted the companies. I explained to the representatives that I did contact the companies and all of them explained to me that 60 days after an initial report they no longer report any information again and they cant do anything about those transactions showing on my consumer report. This information was given to the representatives by me and I was told that the only thing that can be done is to file a dispute against all transactions. The representatives made the dispute in the system and told me to wait no longer 30 days for the investigation and a decision. The results of the dispute was not in my favor. This is a clear violation of my rights and I would like this issue resolved immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and I submitted my police report to the three major credit bureaus. Using my police report as proof I tried disputing accounts and inquiries with XX/XX/XXXX, Equifax and XX/XX/XXXX multiple times. Every dispute I intiated never went in my favor even with my police report. Their are car loans, bank loans, and closed credit cards reporting on my credit that were fraudulently opened and the credit bureaus won't do anything to get them off. 


XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX XXXX XXXX {$12000.00} ) XXXX XXXX XXXX {$3500.00} ) XX/XX/XXXXXXXX XX/XX/XXXX ( {$760.00} ) All those accounts are fraudulently opened and I've disputed them but the credit bureaus won't delete them
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I called XXXX on the matter of unauthorized transaction for the amount {$260.00}. I ask all the questions to make sure that all pasted cards were cancel and no long in service. After that I call the Americas Car Mart customer service to get them to help me and this was blame game with them. Even after the conversation with both parties and ensure that is was not happen again. Now it is XX/XX/XXXX, I wake up to and alert from XXXX for unauthorized transaction of {$140.00}. Now I am back on phone with Americas Car Mart customer service ask them what are trying to take fund off my XXXX  card again since I do not have account with them and for the second time the blame game on me. But I told them that I don't have account with them and my car that I own and pay with cash money. Then I call XXXX and asked them why this unauthorized transaction is happen again. to make long story short I request letter to support their finding and even the letter was not correct and was way in left field.
Product: Debt collection

I was taken to court by a law firm representing XXXX XXXX credit card Patenaube and Fe! ix. They switched my court date three times and I was there every time but on the third time the baliff said they won a XXXX judgement on a card with a XXXX limit. I did not hear from them again for about six years. They never communicated with us on settling this debt. Then last week they levied my savings, my cd and our safe deposit box. The savings was Social security money from a savings account that was attached to a checking account which was only receiving social security XXXX. My wife who was not involved from this debt was also not able to access our safe deposit box. Bank XXXX XXXX charged XXXX to seize our savings which was for home taxes savings.. Then this law firm told us they needed a payment of XXXX overnight. We went tour bank to do this only to find out they had already seized the cd and our savings would given them quite a large over payment.
Product: Credit reporting or other personal consumer reports

This is the third time I have filed a complaint with Experian. I have asked TWO times for them to verify the accuracy of this account in accordance to my fair credit reporting rights and they have NOT done so and verify it as VALID. I also have not received the data I have asked for under my rights to see HOW the account was verified. They fave failed to report accurate and true information and I DEMAND the removal of this account. 
It is illegal for Experian to report this account as being charged off ( C/O ) month after month starting XX/XX/XXXX to today. This inherently re-starts the statute of limitations and is violating my consumer rights. Also their reporting is significantly different than the reporting of XXXX data. I demand this be removed immediately or I will hire legal counsel and sue. 

XXXX XXXX XXXX XXXX XXXX Account number XXXX Opened XX/XX/XXXX {$7900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. 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. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX