23daVinci/CFPB_Complaints huggingface dataset:
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 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 ( 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.

I want the CFPB to publish
Product: Credit card or prepaid card

This occurred on XX/XX/2018 and XX/XX/2018. These annoying and mundane calls were from XXXX XXXX, XXXX XXXX XXXX XXXX Credit Card. I apparently had forgotten to pay a bill, which I never received. Upon finally realizing this, I paid the bill in the amount they asked me to. Apparently, I forgot to pay a mere {$17.00} of an overcharge. This was never communicated to me. One would think the world was coming to an end & I was delinquent thousands of dollars. They consistently and continuously harassed me by calling my cell phone during work hours at a minimum of 6 times! I had unknown numbers calling me ; numbers from Kansas ; numbers from Ohio. I paid the {$17.00} as soon as I received notice of it ... and they STILL proceeded to call me two times. This is blatant harassment over {$17.00}! I am at work trying to make a living and I am receiving these annoying phone calls to my cell phone ( I use my personal cell phone for work purposes ). It was ridiculous.
Product: Credit reporting or other personal consumer reports

This was a follow up on a previous complaint and request the removal of certain inquiries from my credit reports. The reason for this request is that I will be updating my credit reports within the next 15 days. As per the Fair Credit Reporting Act ( FCRA ) section 605b, credit bureaus are obligated to remove items listed on an identity theft report. Therefore, I kindly request the Credit Bureaus to remove the following inquiries from my reports : XXXX : XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX : XXXX XX/XX/2023 XXXX XX/XX/2023 TRANSUNION : XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Credence Resource XXXX XXXX XXXX XXXXXXXX I do not take anything from these companies.
Product: Credit card

I asked for proof of charge off and to update the balance to {$0.00} or delete the negative payment status on the accounts listed below. All they said was that the accounts were confirmed as accurate. They provided no proof and didn't update anything. 

CAPITAL ONE Credit Card with account # XXXX CAPITAL ONE Credit Card with account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. My DOB XXXX and my SS XXXX. I am filing a complaint due to the following information below. I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXXXXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent credit dispute letters to XXXX, Equifax and XXXX asking to Validate the debt for 4 accounts I saw on my credit report. I did not receive any return communication by mail from them. 
On XX/XX/XXXX I sent another letter letting them know I had not heard from them and I wanted an investigation started on the 4 accounts. I did not receive ay return communication by mail from them On XXXX  I have sent another letter by certified mail letting them know I have not received a reply about the results of the investigation in to the 4 accounts. This is causing a hardship because it is preventing me from buying a home for my family. Very soon we will have to find a new place to live. 
I thought the credit bureaus had 30 days to respond with the results of their investigation. if so they are in violation.
Product: Credit reporting or other personal consumer reports

I am a natural person, I am a living human being, I have the rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 


Accounts : XXXX XXXX XXXX
Product: Checking or savings account

OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$17.00} PURCHASE AUTHORI ZED ON XX/XX/XXXX XXXX XXXX XXXX {$35.00} Expand XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX   XXXX TX XXXX CARD XXXX {$17.00} cra violation i never wanted over draft protection
Product: Debt collection

on XX/XX/2018 I signed up with XXXX XXXX for 3 bundle TV, phone calls overseas and internet service of XXXX. on XX/XX/2018 this service was connected to my resident without XXXX and they gave me XXXX instead. From day one I was  not happy at all with the system specially with the international phone calls which none of them went through and made daily phone calls to XXXX about it and they absolutely did nothing about it.therefor I gave up and disconnected my service with them and returned all their equipment back to them.Now I am getting {$290.00} charges from XXXX XXXX XXXX XXXX for the terrible service that I only had for 6 days! I have been calling this agency to dispute these charges since I received the first notice of {$290.00} and they are running me around to XXXX and XXXX  sending me back to collection agency and I can not get any answer from either one. Today I spoke to some one by name of XXXX XXXX at collection agency and rudely after I said I will report your company if you can not help me to resolve this matter and ruin my credits after XXXX years of age, then she said " well in that case since you are threatening us I am going to close your account and send it back to XXXX!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, I am inquiring on the remaining negative account which are currently impacting the overall state of health of my credit. i is not fair to me that after several attempts at trying to correct the information with the credit bureaus, they have failed me once again. I am not going to hesitate on taking legal action if they do not wash out the negative, inaccurate and incomplete information off of my credit reports. What is the delay in response??? Why hasn't XXXX XXXX, nor Transunion resolved the issue with the accounts? the XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX collection accounts are still accurately and falsely reporting. The credit bureaus were able to remove all of the other history on my credit report, except for those two accounts. Please help me resolve this issue, I'd greatly appreciate it.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed fraudulent accounts despite over XXXX submissions being sent in this past year all of which met the statutory requirements for blocking on this XXXX account
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  ) ACCT # XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ITS SHOWS FORECLOSURE WHEN PAYOFF IN FULL WITH XXXX BALANCE ON XX/XX/year>
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute inaccurate information reported by TransUnion on my credit report concerning my XXXX XXXXXXXX XXXX account XXXX XXXX XXXX Account XXXX XXXX. Reference number XXXX I believe this inaccurate reporting is a result of violations of the Fair Credit Reporting Act ( FCRA ). 
Specifically, I am disputing the negative information associated with my XXXX XXXX XXXX account, as XXXX has : 1. Failed to thoroughly investigate my dispute : I submitted relevant documentation that was ignored or inadequately considered by TransUnion.

2. Reported previously deleted inaccuracies : I have noticed that inaccuracies related to this account, which should have been removed, reappeared on my credit report.

3. Provided confusing or contradictory results : I received conflicting statements from XXXX in response to my dispute, such as both " this has been verified as accurate '' and " this item has been deleted. '' The contradictory nature of these responses undermines my ability to trust the accuracy of the information on my credit report. 
4. Misreported my credit score : Due to coding errors, my credit score has been inaccurately calculated, which could negatively impact my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated my account was properly investigated, but how is that possible if the Last Date Verified is inaccurate, the Date of Last Activity is inaccurate, the date Opened reported is inaccurate, the Account Status is reported inaccurate, and Creditor Remarks is reported inaccurate. This is grounds for removal in addition to violating my rights : 15 U.S.C. 1681 Section 602 A, States I have a 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 instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS LISTED ARE FRAUDULENT ACCOUNTS THAT WERE OPEN IN MY NAME SOMEONE USED MY NAME SOCIAL SECURITY NUMBER TO OPEN THESE ACCOUNTS I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  XXXX. On XX/XX/2020, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Vehicle loan or lease

The categories aren't valid for this case. I submitted a request a year ago to have my title updated with Genesis Finance USA and paid to have the update filed with the XXXXhave a new title sent. I changed my name and needed the title updated with my correct name. Someone with Genesis Finance deleted my request the same day it was submitted, but it's " stuck '' on their website and I can not resubmit it or request the same thing again. The service rep offered that I could email my documentation, which is unacceptable because email is not secure. They also said I could request this through the XXXX, but my state XXXX takes hours on hold if you can even get a person at all. I do not have that kind of time. They have given me no valid recourse and refused to update my title.
Product: Debt collection

I hope all is well I just want to start off by saying thank you very much for allowing me to use PayPal pay in 4. I been trying to pay my Pay in 4 but it hasnt been showing up on the website for me to pay luxurybrandholdings inc. {$90.00} and I been checking it everyday other day. I decided to call and they advised that Im in collecting, I pay all my bills. I havent ever been in collections in my life, I dont appreciate this because if I would of saw it, I would of definitely paid it. Im glad I decided to call PayPal because if I didnt I would of never knew about it because I was assuming I paid it in full since I couldnt see it no more on the website or got any call or anything in the mail about it. I have no problem paying it and I would like to pay it. It better not be on my credit with the credit bureaus because I been trying to pay it and I assumed it was paid because I didnt see it or hear anything about it. Please fix this issue with your website and allow me to paid this in full. If anything is reported to the credit bureaus it needs to be removed ASAP possible because this was not my fault at all because again if I would of saw it, I would of paid it. I dont mind paying it now. Can you please make sure Im able to use the PayPal pay in 4 in the future because this isnt not my fault at all and also I should not be charged a late fee. I also have XXXX myself my baby and my son so please be understanding of that as well too but again it was not on your website to pay I check all my accounts including yours every other day and I pay my bills on time. Thank you very much for your time, I look forward to resolving this issue but please fix your website cant pay for something you dont see and I definitely been checking as well I need to be able to use the PayPal pay in 4 in the future because this isnt my fault. Have a wonderful day and please continue to be safe.
Product: Debt collection

AFNI refuses to respond to debt verification but continues to report unverified debt to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a collection company stating about a debt I owed on tv service. I have never applied for tv service. I quickly opened with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX XXXX  XXXX {$440.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX   XXXX {$2700.00} XXXX/XXXX XXXX {$510.00} XXXX XXXX XXXX XXXX {$440.00}
Product: Student loan

Navient continues to hurt my credit but not call to negotiate less predatory terms with a more knowledgeable adult. They continue to offer invasive solutions that will require speaking to commissioned employees every six months to 1 year. Based off these terms I will be rewarded with increased payments based off my success or time. Please put my private loans in your XXXX XXXX dollar predatory lending settlement and remove the negative reporting.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. 1 am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation Failing to notify consumers about investigation results effectively : These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

Please review the Inaccurate Information being report : 1. A reported balance of {$12000.00} and the absence of accurate credit usage data are incorrect. The balance appears inconsistent with my records and the lack of credit usage details violates the requirements for accurate and complete reporting. 
XXXX. The account is listed as closed at the credit grantors requires which is inaccurate. I have no record of this action being initiated by the creditor. I require verification or correction of this claim. 
XXXX. There was an account sent to collections yet it was not charged off. The balances do not match. And the collection agency can not provide any proof of owning the debt.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XX/XX/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
Product: Checking or savings account

Chime closed my account after I had put in a dispute for atm freezing up and going outta service but still charged me for the transaction when I didnt receive any money from the atm I was told that my account was closed and I wouldnt be getting my refund for the atm transaction they wouldnt give me a clear explanation of why they closed my account
Product: Credit reporting or other personal consumer reports

I just recently look at my report XX/XX/XXXX. I see some hard inquiries that did not have permissible purpose. 

XXXX. [ XXXX XXXX XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of USC 1681b. 

XXXX. [ XXXX XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of USC 1681b. 

XXXX. [ XXXX XXXX XXXX XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of USC 1681b. 

XXXX. [ XXXX XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of USC 1681b.
Product: Debt or credit management

XXXX  LLC. 

Last Reported XX/XX/XXXX {$2500.00} Reported Balance Opened XX/XX/XXXX ( 1yrs, 1 mos ) Term 12 months ( 1 year ) Company did not provide no services and is charging me for no service
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is Using My Social Security Number & License Improperly They Used XXXX XXXX A Hiring/Recruiter To XXXX XXXX abiding citizens like myself Personal Info License and Social By asking to send screenshot pictures & they are applying for different credit applications causing hard inquiries on my credit report than terminated my employment in just the third day of employment causing me to ask for police report Case # XXXX Company also uses XXXX for their communication to mistreat coworkers that are not XXXX they are not allowing equal opportunities with their established company instead farming all the money for themselves while stealing citizens identity XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

his CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, TransUnion credit reporting agency, block information appearing on my consumer credit report that is result of identity theft an fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists off of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Thfet Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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  has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.