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

I am filing a complaint against Cash App ( Blck , 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 proce 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

I submitted evidence that a debt is false with my bank statements and how much the account costed, and the total amount I have paid and they will not remove the debt from my credit. I have gotten it removed from XXXX and XXXX but Equifax will not. I have tried calling them on the phone to dispute this but they are not answering my calls. I am basically being blackmailed into paying a debt I do not owe because they will not look into my evidence.
Product: Debt collection

I never open a business account with Capital One i never own a business. And now i been charged XXXX. I have report identity theft and now submit this report this is hurting my life and my future for a business i didnt own and a account i never open.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts : XXXX. " XXXX XXXX XXXX '' Account Number # XXXX ( Original Creditor : XXXX XXXX ) XXXX. " XXXX  XXXX  XXXX  '' Account Number # XXXX ( Original Creditor : 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, credit repair services, or other personal consumer reports

I, XXXX XXXX, understand my rights as a federally protected consumer. 15 USC 1681 was created to insure that credit reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Under the definitions section of 15 USC 1681a, a 'consumer report ' is defined as any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. In 15 USC 1681a ( d ) ( 2 ) it specifically outlines items that are supposed to be excluded from a consumer report. Under exclusions, 15 USC 1681a ( d ) ( 2 ) ( B ) it states : ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; The definition of 'credit ' in 15 USC 1681, is the same as the definition of credit under 15 1691 which means, 15 USC 1691 ( a ) ( d ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debts and defer its payment or to purchase property or services and defer payment therefor. Additionally, a credit card is defined as the same term from 15 USC 1602 which means : 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Therefore any extension, alleged extension, or approval of credit directly or indirectly by the issuer of a credit card or similar device should be excluded. The follow accounts are being reported in violation of the above mentioned statue : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX Additionally, 15 USC 1681b ( a ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 15 USC 1681b ( a ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates. The credit reporting agencies do not have my written instructions to produce a report in my name in the first place. Without my written consent and instruction, the agencies are acting without permissible purpose. Also, using my social security information without my consent is a form of identity theft. XXXX  contacted me stating the bankruptcy information came back verified through XXXX XXXX which is a fraudulant and blatant lie, I have my XXXX XXXX  report and there is no Bankruptcy reporting through XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the validity of several accounts that have been reported on my credit report. The accounts in question are : XXXX XXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX Collection Account US BKPT CT FL XXXX XXXX U.S. Bankruptcy Court XXXX I believe that the reporting of these accounts is in violation of several laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

According to the FCRA, all information reported on my credit report must be accurate, complete, and verifiable. I have reason to believe that the information reported on these accounts is inaccurate and incomplete. Additionally, the FDCPA requires that all debt collectors treat consumers fairly and prohibits certain practices, such as harassment and misrepresentation. I believe that the reporting of these accounts may be a violation of the FDCPA.

Therefore, I am requesting that you investigate these accounts and provide me with evidence that the reporting is accurate, complete, and verifiable. If you can not provide such evidence, I request that you remove these accounts from my credit report.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card

I received debit card from Venmo that I never asked for. Called Venmo found someone opened another Venmo account in my name. I had to argue with Venmo to cancel they wanted me to email them my drivers license. I refuse to do that since I didnt open it.. they eventually did cancel debit card. I also canceled the Venmo account I opened and report the other account as fraud.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the items in my file that resulted from an erroneous credit report entry but I still have ITEMS left that needed to be removed. This is my 7th letter that I was affected by inaccurate credit report data. Per Fair Credit Reporting Act Section 605B ( a ) you are requiring to remove any items which was opened without my knowledge, consent or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items need to be removed as they are incorrect credit information : XXXX : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXXXXXX XXXX XXXXXXXX Balance : XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  TransUnion : XXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an incorrect credit information. I do not consent to E-OSCAR or any means of automated verification.
Product: Credit reporting or other personal consumer reports

Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting XXXX  % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within XXXX  days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors. 
I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of the West is stating that they spoke with me about issues with the GAP insurance and the loan. They have never had a conversation with me and I want proof of the recordings. There were never communications with me and if someone was stating to be me it is fraud and the recordings will show. Bank of the West is also stating and admitting the this car was paid IN FULL by The end of XXXX in 2018. This fraudulent error of keeping the negative on my credit report is causing my family to not be able to get a car or buy a house. The car was paid in full. Payments were never missed. Insurance paid and the GAP paid the bank. I demand that Bank of the West Furnish proof that they spoke with me and as well ask for good faith of removing this reporting from my credit report. Why would it be reported as bad debt when the bank received everything it was suppose to receive. Payments before the accident were perfect history and then insurance and GAP paid the rest. This is Blasphemous.
Product: Credit reporting or other personal consumer reports

I was a victim of ID theft. There are inquiries on my credit report that are fraudulent and do not belong to me. I've already filed a FTC report. 
The inquiries are as follows : 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  XX/XX/2023
Product: Mortgage

On  XXXX , I requested a revised Escrow History, because I cancel the old Home Ow ner Ins for {$3000.00} for new policy {$720.00}.      On  XXXX   XXXX , I received a Escrow History Dated  XXXX   XXXX ,  XXXX , Upon reading I notice immediately that the amount were not correct. I call on  XXXX   XXXX  spoke to representative in the escrow department.     My " Old Mortgage Payments " {$950.00 } My NEW  are {$680.00}.   ( {$680.00} is compose of  XXXX  Escrow and  XXXX  P/i ) My argument is as of  XXXX   XXXX  my escrow accumulated amount is {$2300.00}. My  Property Ta xes are  XXXX  and Ins  XXXX  the total is {$2400.00}. I understand there need to be " cushion ''. So with  XXXX   pmt and   XXXX  pmt of  XXXX  each bring the total to {$2700.00}. Should be enough to satisfied this condition.     As per the law, any financial company holding over {$50.00} in the escrow over the amount required must return it to the person making the mortgage payments.     Then as I understand this situation, my  XXXX  payment should be {$480.00} since I have satisfied the escrow amounts.     The property taxes will be due on  XXXX   XXXX , and the  Insurance  in  XXXX . I want to pay these amount on my own. And hopefully refinance.     Please help me correct this situation  with Ocwen  ( according the representative it will take over 45 days to correct, ) Mean while they are asking for the wrong amount for the mortgage. Even though I send the correct amount, I do not want to go into default.     Thanking you in advance for your assistance in this matter, I remain grateful.      XXXX   XXXX
Product: Debt collection

I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 
I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 
I also have enclosed a copy of the FTC'sNotice to Furnishers, which explains your responsibilities when reporting information to CRAs. Pleasestop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 
Pleasesend me a letter explaining your findings and actions. 
I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account
Product: Debt collection

This account is a Capital One # XXXX ... ..I was sue by Capital One even I prove I have some fraudulent Charges. They credit part of the balance so I paid out of the court part of the balance to there 's attorney and the main problem they do n't recognize that I have paid in full the remaining balance. I have my XXXX report and still show some remaining of {$2700.00} and the status is report as Delinquent. I need help to completely removed as a result of affect my credit life style
Product: Consumer Loan

A gentleman by the name of XXXX XXXX has been contacting employees, their spouses, customers, and spouses of customers for a business I own. The gentle has then further informed them that the business is under investigation. Furthermore informed them that I am under investigation. XXXX of the employees he called is on probation, he informed him that he knew the employee was on probation and threatened to send people to the house. He then called that employees x-spouse and made similar threats. That employees can not now see his child because the mother was so intimidated by the call that she does not feel it is safe. That employee may now have to quit to maintain the relationship with his daughter. They have made several similar calls to customers of the business that they have found thru the XXXX page. They have gone above and beyond what the law allows to intimidate both customers and employees of a business I own for a personal debt that has nothing to do with the business. It has had an emotionall distressing and adverse affect on the business both in reputation, profits, and moral. From everything I have read I can not see how this is legal. They have been told on several occasions that I can not be reached at the business and they still call intimidating my employees telling them the business is under investigation.
Product: Credit card or prepaid card

Company : American Express Amount : XXXX Dates : Returned payments started around XXXX XXXX. I have statments. 

Description : Amex made changes and refunded already made payments for months back without my authorization. They did not notify, ask or in any way contact me and then refused to accnolidge or help when I repeteadly, since the charges occured, contacted them. 

They say I made charges of over XXXX} in XXXX month however that is not true as I never buy for more then I have in my account. 
The account payed with is my husband ( soon to be XXXX ) whom, without my knowledge cancled the card. I am the one who owns the card. He is the XXXX who authorized connection with his bank. 
He then managed to cancel my card AND got amex to refund the payments for months back to his account without me.
Product: Prepaid card

Hello, for two weeks and still counting not able to access my money and ca n't get thru RUSH card customer service phone or email line.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had identity theft and I did not authorize or give permission for accounts to be open or things to be applied for in my name please help me to fix this
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for XXXX XXXX recieved a letter in mail a week later of the background check. Which is inaccurate and not true its stating I have a felony and misdemeanor Its not true at all Ive had this issue before with fraud someone using my identity Ive received a letter with these charges before in the past and contacted the lawyer on that letter about it and he continued to say to ignore if its not me I have nothing to worry about. I just want this cleared up as its false and not true and all.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 - XXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX  called me, XXXX XXXX XXXX He informed me that someone from XXXX  sent a credit card application to XXXX, using my name, SS no. with a XXXX address. I said, No I did not create any XXXX credit card application, and I live in XXXX. He created a case number XXXX, and he transferred me to XXXX XXXX XXXXXXXX Comsumer Financial Protection Bureau. The number is XXXX. 
Then a guy answered, His name is XXXX XXXX with XXXX XXXX. He said he worked at the Security Department of Comsumer Financial Protection Bureau. He said he will help me terminate the application of credit card to XXXX, with the Georgia address. 
Additionally, he asked me to verify my credit report on other credit cards such as XXXX XXXX, XXXX, Citicard. He was reading all the balances and credit card numbers of my cards, and asked me to verify. He said he needs it for him to help me reduce my credit cards, especially the high credit card interest over 4.5 %. I told him I'm not using the XXXX  XXXX card and I wanted to close but XXXX did not close it. He said he closed it. And then he asked me on discover and Citicard to apply for a low interest at 4.5 % since my interest is more than 10 %. I told him I am aware and was given offer but XXXX consider it sometime but not now. He tried to convince me close the XXXX cards, and transfer to a credit card with lower interest such as XXXX, or other bank. I said no. That's when I challenge him that you closed the application for XXXX, and now you're giving an example to move my Citicard balance to another back with lower interest? 
I told him, I'm becoming suspicious on him if he was a real XXXX agent or not. He talked to me fr more than XXXX minutes and that's when I asked him this sounds to me a scam. He has access to all my social security number, all credit card information, because he pulled by credit report and read to me all the financial information i had with the balances of each card. 
This is serious for me to report to the authorities and investigate, and protect my ss number, identity, and credit cards. 
He gave me another number to call back if XXXX from Illinois he said. 

PLEASE HELP THIS IS FRAUD! 

Thank you. 

XXXX XXXX
Product: Prepaid card

I filed XXXX disputes with Rushcard aka UniRush LLCThis on XXXX XXXX, 2015. I was told that it would it could take 45-90 days to see the money. I called back in XXXX and was informed that I had to wait an extra 30 days making it 120 days to wait. Today XXXX/XXXX/2015 I have yet to get my money back. I have been calling the company for 3 weeks now. Today XXXX/XXXX/2015 I called and was been hung up XXXX times by representatives and Account specialist. I called today at XXXX and held for an hour. Then I speak with the Account specialist and give the dispute XXXX #. She tells me that she is n't going to put me on hold just on mute. Then she puts me on hold and never came back and the call disconnected at XXXX today. 
This is crazy waiting 120 days and still no money. Being hung up on and receiving emails saying the situation has been resolved. Which is clearly a lie not true. I do not desire to be treated this way pertaining to my money. All this for just {$35.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently checked my credit reports with Equifax and have located accounts listed on my credit file without furnisher account name listed that is currently affecting my credit score. I have disputed these findings with Equifax, and they have not updated the record with the furnisher account name information or removed it from my credit file.
Product: Credit card

i recently applied to them in hopes of rebuilding credit after my XXXX. i applied and everything goes good i upload all XXXX of my docs including my social security paystub etc i mean the whole XXXX yards. and they email me back XXXX days later saying they cant verify my identity. well i kind of feel like thats not what this company was after anyhow with the way everything was planned out and theres tons of review on XXXX describing this with them not responding to anyone what so over.
Product: Checking or savings account

I am a victim of ID theft. I have a account with Navy Federal. My account is currently restricted for things I do not have any knowledge of. There was disputes going on with other consumers that I do not have any knowledge of, and for that particular reason Navy Federal placed my account in security. I sent Navy Federal copies of police reports so that I could continue to use my account and they refused.