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

I am filling a complaint against Cash App ( Block, inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, and 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 acts have caused significant inconvenience and financial loss, I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

I demand that the following account be verified or removed immediately : 1. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this debt. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. " 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( 3 ) FURNISHING reports in connection with credit or insurance transaction That is not initiated by the consumer '' XXXX XXXXXXXX Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account.

3. 1 ( Pursuant to 15 USC 168 a ( 2 ) ( B ) - Permissible purposes of consumer reports ( a ) in general Subject to subsection ( c ) I never gave you any Written Consent to report anything on my consumer report. 
XXXX XXXXXXXX Account Number : XXXX As a consumer by the law This account must deleted immediately. 
4. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 OURISMANCHRY Date of inquiry : XX/XX/2023 Under XXXX U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account.

5. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/2023 Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account.

In addition, please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report today, XX/XX/2018 and noticed that the XXXX 's account is incorrectly reporting and now the balance owed is different from what I was told via phone. I spoke with XXXX 's credit card department on XX/XX/2018 to discuss pay for delete for the delinquent account XXXX. The Credit and Collections representative stated the account will be deleted from all credit reports because the balance was paid in full. I have attached the email receipt from XXXX 's for payment.
Product: Credit reporting or other personal consumer reports

I am writing to address a matter related to an account that has been reported on my credit report. According to the information available, your agency filed a notice of nonsuit for this account.

I kindly request that you initiate the necessary steps to remove this account from my credit report in light of the nonsuit filing. This legal action implies that the matter has been discontinued, and it is appropriate for the associated credit reporting to be updated accordingly.

Your non-compliance with my FINAL request of debt validation will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.

Violations of the FCPDA are subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by bringing this issue before a judge. I have been working tirelessly to have this corrected so I will be seeking {$30000.00} for actual damages for mental anguish.

I intend to take all legal steps available to me if the following account is not removed from my credit report within 14 days : PORTFOLIO RECOV ASSOC XXXX
Product: Checking or savings account

Below are the XXXX chargers that all happen on the same day and said that my card was used for each. I live in XXXX Texas XXXX XXXX in XXXX Texas XXXX The locations of the following locations are " XXXX Texas '', and the other XXXX are located in XXXX Texas. On this date I was working from home and went out to get XXXX XXXX for lunch located in XXXX XXXX away from my home. I noticed that there were XXXX chargers on my card that I did not make. I will upload via XXXX maps on what it would look like for me to have travel to get to these places... They are XXXX hours away!!! Discover is refusing to give me my money and the fraud team is ignoring obvious signs of XXXX. If they searched the numbers they would see how far these locations are and that it would not be possible for me to have gone to all XXXX in the same day. 

Discover said they got a receipt from XXXX XXXX house saying " general items '' with no time stamp... I said that is not a real restaurant receipt. As restaurant receipt 's list each item ordered and they also have a time stamp on the restaurant receipt 's. They refuse to escalate my request to a manger or higher up who XXXX actually do something. 

XX/XX/XXXX XX/XX/XXXX Debit Purchase XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Debit Purchase XXXX XXXX TEXAS XXXX XXXX TX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Debit Purchase XXXX XXXX TEXAS XXXX XXXX TX XXXX XXXX
Product: Debt collection

1st I got a call from a place who said they were XXXX phone # XXXX they said they were filing charges against me for a payday loan that I did n't know anything about in XX/XX/XXXX-XX/XX/XXXX, I refused to pay told them it was n't my debt. I called my attorney because I filed bankruptcy XX/XX/XXXX My attorney said do not pay them because anything before XX/XX/XXXX would have been on filed on my bankruptcy. XX/XX/XXXX called me back I told them what my attorney told me. but they keep calling me back and threating me I finally gave in and paid them the money they took out {$190.00} a month for 4 monthsXX/XX/XXXXDebit CardWithdrawal : XXXX XXXX XXXX. XXXX GA DateXX/XX/XXXXXXXX- {$190.00} XX/XX/XXXXDebit CardWithdrawal : XXXX XXXX XXXX. XXXX GA XXXX XXXX {$190.00} XX/XX/XXXXDebit CardWithdrawal : XXXX XXXX XXXX. XXXX GA DateXX/XX/XXXXXXXX- $ XXXXXX/XX/XXXXDebit CardWithdrawal : XXXX XXXX XXXX. XXXX GA DateXX/XX/XXXXXXXX XXXX {$190.00} Now have a place called TAG phone # XXXX XXXX calling and threating me on the same debt I Demanded the person give me her name, company name, and address. and I Demanded that they send me a debt validation letter by US mail. and she hung up on me, I then called back and talked to some one else I Then told him somebody else called me about the same debt and they threated me until I paid I told him that I was going to Call The F T C and he hung up on me
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I received the attached my second attempt to receive the accurate and complete records on this HELOC but once again I got falsified documents showing that not only is Chase claiming I made a full year additional payments when I didn't but also reporting it to the credit bureaus. Attached is Trans Union being given fake payments I never made. I stopped making payments on that the end of XXXX XXXX  and can prove it with my bank statements when we get to court on this banking fraud. Presently XXXX XXXX XXXX XXXX XXXX is planning on selling my home with an obsolete primary mortgage and now trying to add this account to it, This account THIS COMPLAINT is for has never been sent to me any foreclosing or default notices, or anything else in attempts by XXXX to try and add it to the illegal foreclosure presently attempted on my home. THIS IS A NEW ISSUE OF BANKING FRAUD FABRICATING PAYMENTS I NEVER MADE AND REPORTING THIS FALSE INFORMATION TO THE CREDIT BUREAUS. CFPB NEEDS TO INVESTIGATE this FRAUD!!!!! see attached i marked the transaction history sent to me with fake payments marked off by a big x on both sides. see attached.
Product: Money transfer, virtual currency, or money service

I have concerns about Zelle 's dispute handling, especially after learning about a recent CFPB lawsuit highlighting significant issues with the platform. After using Zelle and reporting discrepancies, I found that both Zelle and my financial institution inadequately investigated my concerns. They deemed it impossible to recover my lost funds or track my transactions. The CFPB 's findings suggest that Zelle hasn't done enough to protect consumers and has allowed repeat offenders to exploit the system, leaving users like me vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 accounts on my credit report from Harris & Harris involving XXXX XXXX XXXX. The dates they have given are XXXX XXXX XXXX and XX/XX/. Both of these accounts have been submitted to both of insurances and I have been told by them that they have been paid. Harris & Harris knows this is the case because they did same thing on a previous date and I disputed it and they deleted it. This is that account and they put it back on. I tried to disputed it again however now they are saying it is accurate. Which it is not. I had XXXX XXXX and also XXXX XXXX and had a zero balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the Bureau several times trying to get this removed. Please remove delete immediately off my file. I have attached my ID and my Social Security card Also, a bill with my current address This is not a third-party. 

XXXX XXXX XXXX XXXX XXXX Balance {$11000.00} Updated on XX/XX/XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance - Updated on XXXX XXXX, XXXX Personal loans Total balance : - XXXX Balance - Updated on XX/XX/XXXX XXXX Balance - Updated on XX/XX/XXXX XXXX Balance - Updated on XX/XX/XXXXXXXX XXXX XXXX XXXX Balance - Updated on XX/XX/XXXX XXXX These lenders have accessed your credit file : XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance - Updated on XX/XX/XXXXXXXX XXXX XXXX Balance - Updated on XXXX XXXX, XXXX XXXX XXXX XXXX - Updated on XX/XX/XXXX XXXX XXXX XXXX - Updated on XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, I sent the attached Certified Letter to Transunion. Per the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) Transunion is required by Federal law upon request through PHYSICAL VERIFICATION of the original signed contract any and ALL accounts on my credit report or they must be deleted. 
I did not receive any PHYSICAL VERIFICATION proof of any of the accounts on the attached document and the accounts are still on my credit report, which means my request was completely ignored. This can not be completed by using XXXX. 
XXXX is NOT PHYSICAL VERIFIABLE signed contract by me. 
These accounts must be removed per FEDERAL LAW FCRA Section 609 ( a ) ( 1 ) ( A ). 
I am again requesting PHYSICAL VERIFIABLE proof or the accounts must be removed immediately and NOT verified by XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to improve my credit score. I used the simulators on the credit report services that are included with 3 of my credit cards. They indicated that my score would increase 100-150 points if I paid {$27000.00} down on my credit cards. I did and my scores only increased 10-20 points. I closely monitor the timing differences between what I have actually paid versus what has been reported to the credit reporting agency. There are very few differences. 

I took money out of my retirement account to pay down this debt because of what the score simulators told me. Now my scores are still in the 665-686 range and my retirement account has {$27000.00} less than it should have. If these simulators had told the truth, I would not have taken money out of my 401k. A small increase in my score was not worth reducing my retirement account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report only to find that there were accounts being reported illegally with XXXX, Equifax, and XXXX. They are in direct violation of 15 U.S. Code 1681s-2
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was closed due to the bad debt which I do not validate additionally this goes against 15 USC 1605 ( 5 )
Product: Mortgage

Hi I refinanced in XX/XX/XXXX, BSI Mortage company is impossible to reach, when I do I get a different person and have to explain everything that happened since XX/XX/XXXX again and again. I contacted the company that did my refinancing to get help and they were able to get someone to call but that was XX/XX/XXXX and have n't heard from them since, numerous calls, phone messages left at ex XXXX and company mainline, emails all go u answered. 

Since XX/XX/XXXX when i changed home owners ins. My payment has n't been correct, numerous calls to old and new home owners to ensure that I was insured and I am, but now I 'm over paying my payment, paid my shortage in XX/XX/XXXX and it went higher. Now that I did all the leg work to fix my homeowners .I have a Check for BSI for return because I had to reach my old homeowners that they paid due to incompetence. Now I 'm getting letters stating that I need to update my homeowners from BSI. 
I just do n't know where to turn now
Product: Credit reporting or other personal consumer reports

MY NAME IS XXXX XXXX AND IM SUBMITTING THIS COMPLAINT BY MYSELF. THERE IS NO UNAUTHORIZED THIRD PARTY IN CONNECTION WITH THIS COMPLAINT. 

There are some Unauthorized/Fraudulent inquiries being furnished to my consumer report without my permissible purpose, which is a violation of the Fair Credit Reporting Act. No written instruction has been given to Equifax to report these inquiries to my credit file. I have filed an Identity Theft Affidavit with the Federal Trade Commission & attached it to this complaint along with my Drivers License, Proof of my Current Address, & my Cover Letter listing each Fraudulent Inquiry. DO NOT ADD A FRAUD ALERT TO MY CONSUMER REPORT!
Product: Credit reporting or other personal consumer reports

Please see attaached documents. Do not close this ccomplaint stating it is not me. I am a natural person and a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sirs, I have tried to open a bank account back in XX/XX/XXXX. I was denied multiple times by different banks. upon check on the problem of denial, I had seen that there is a " suspected Fraud '' notating by Bank of America on my XXXX report. I remember having a checking account with bank of America, never had an issue of any kind. Bank of American sent me a letter back in XXXX stating that they will be closing my account without any further notice. I had no problem with that, however, BOA reported " suspected Fraud on my XXXX report which is currently not allow me to open any checking account with any other Bank. 

In XXXX, I disputed the reported directly with XXXX, The reporting was updated to " Settled in Full ''. I'm not aware of any amount I owed to Bank of America that lead to be settled. In XXXX, the Term was updated to " Settled in full '' and consumer disputes the reported information. Early XXXX, I called XXXX and asked them to remove the inaccurate reporting. The rep of XXXX stated that Bank if America is supposed to remove the reporting. 

I mailed Bank of America ( address listed on the report in XXXX FL ) in XXXX to request evidence or at least clarify any of the reporting. Never gotten a response after 60 days. Then I decided to call the number of the department responsible for the reporting, I was transferred to Fraud department, then to Risk Department, then to Closure department. None of these was able to specifically tell me why this reporting is remaining on my consumer report nor why it was reported initially. 

I'm attached a copy of my latest chexsystem dated XX/XX/XXXX report showing the " suspected Fraud, settled in full, consumer disputes reported data.
Product: Credit reporting or other personal consumer reports

XXXX XXXX began to report this account to the credit bureau in XX/XX/year>. As soon as I saw it on XXXX XXXX I called XXXX. I advised them that I did not request this card. I ask if the card had been activated by my phone number the answer was no. I requested to know if there have been any purchases made on this card and I was advised no. I was told that there is a {$50.00} annual fee on the card, I was told that the fraudulent card would be investigated and someone would contact me. Since I was not getting any return calls I began to call on a regular basis. Each time I called I was advised the last agent I spoke to did not file a fraud claim. This went on for months and months. I finally got an associate that honest enough to tell me that the investigation did show this account was fraudulent. I was advised it will be removed from the 3 credit reporting agencies within 60 days. Just last week I called again and I was advised there no one has filed a fraud claim on this account. I did not request this card, I have never received this card, This is just flat out ID fraud. Please get this removed from all 3 credit reporting agencies
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 
Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX BANK XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I implore you to take action and remove these fraudulent accounts from my credit report immediately. I did not authorize or initiate these accounts, and it is unfair for me to be held accountable for them
Product: Credit reporting or other personal consumer reports

I am writing to dispute several inaccuracies on my credit report. Despite prior disputes, these accounts remain inaccurately reported, and I have not received proper disclosures or outcomes from your investigations. Your failure to comply with the Fair Credit Reporting Act ( FCRA ) in conducting reinvestigations has caused harm, including credit denials and financial difficulties. 

Disputed Accounts Accounts Reported by XXXX XXXX XXXX XXXX Balance : {$46000.00} Issue : The account reflects incorrect payment history and a status of " 120+ Days Late. '' The reported last payment date of XX/XX/year>, is also inaccurate. 
XXXX XXXX XXXX XXXX : {$0.00} ( Closed ) Issue : The account is reported as " Settled for Less than Full Balance '' and " Charge Off '' with incorrect payment and status details. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$740.00} Credit Limit : {$300.00} Issue : The account shows a balance exceeding the credit limit, with inaccurate payment history and a status of " 120+ Days Late. '' XXXX XXXX XXXX : {$0.00} ( Closed ) Issue : The account inaccurately reflects repossession despite being paid in full. 
XXXX Balance : {$0.00} ( Closed ) Issue : The account is reported as " Paid Charge Off, '' with errors in the reported payment history and closure details. 
Violations of the FCRA Under the FCRA, you are required to : 15 U.S.C. 1681i ( a ) ( 1 ) : Conduct a reasonable reinvestigation of disputed information within 30 days.

15 U.S.C. 1681e ( b ) : Maintain procedures to ensure maximum possible accuracy in consumer reports.Accounts to Be Investigated Accounts Reported by XXXX Equifax dispute XXXX XXXX XXXX XXXX : {$46000.00} Issue : Reflects inaccurate payment history and a status of " 120+ Days Late. '' Incorrect reporting of the last payment date as XX/XX/year>. 
XXXX XXXX XXXX XXXX : {$2800.00} ( Closed ) Issue : Marked as " Settled for Less than Full Balance '' and " Charge Off. '' The reporting of payment history and account closure details is inaccurate. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$740.00} Credit Limit : {$300.00} Issue : Reflects inaccurate payment history, an unresolved " 120+ Days Late '' status, and a balance exceeding the credit limit. 
XXXX XXXX : {$810.00} Issue : Reported as " Charged Off, '' with errors in payment history and account status. 
XXXX XXXX XXXX : {$810.00} Issue : Reflects " Collection/Charge Off '' status with unresolved inaccuracies in past-due amounts and payment dates. 
XXXX XXXX XXXX XXXX  Balance : {$0.00} ( Closed ) Issue : Reported inaccurately as " Lost/Stolen Card '' but no proper investigation has been conducted. 

XXXX  XXXX XXXX XXXX Balance : {$2800.00} ( Closed )
Product: Credit card

I opened this card under the assumption I would receive XXXX ThankYou points upon opening the card, with a spending requirement of {$0.00}. I 've called-in numerous times to hear these points would be awarded within 1 to 2 billing cycles. I just want these points so I can end this relationship with Citi.