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 redressor these violations.
Product: Checking or savings account

I filed a Complaint on this issue previously ( # XXXX ), that was closed after Ally Bank provided an answer to my Complaint. Unhappily, the response was completely inadequate as Ally Bank again falsely claimed that I authorized the transfer at issue from my Mobile Phone. That did not occur, and the proof that I submitted is something on which even Ally Bank agrees. More specifically, the moment I discovered the transfer of {$9800.00} from my Savings Account, I asked the Agent with whom I spoke ( on XX/XX/22 ) to please stop the transfer, that I had nothing to do with it, and no knowledge of from where it came. The Agent refused and although the money was initially refunded, Ally again took the money from my Account and their response to multiple letters and phone calls is now that the " disputed ACH transfer was made from your device, '' which is just not true, however, that is apparently all that must be claimed in order to keep {$10000.00} of mine that I need desperately.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XXXX of last year I noticed several fraudulent accounts on my credit report. I submitted multiple notices and requests to each major credit bureau asking them to block the fraudulent accounts. I also sent notices to the creditors involved. To this day they are still hurting my credit score by reporting fraudulent accounts, this constitutes the crime of defamation. I sent Regional Finance Company a request to block a fraudulent account that is being reported on my credit report. The account in question was not opened by me nor did I benefit from it being opened, it was opened as a result of identity theft. The request was sent via certified mail recorded delivery.
Product: Credit card or prepaid card

I have an old expired XXXX  provided by Wells Fargo Bank. It is for back child support. We thought the funds were exhausted, but got notice there is a balance of {$110.00}. I would like the balance, but the card has expired. 

I have spent over five hours today on hold. One hour this morning, and two hours twice this afternoon waiting to speak to someone about a replacement of an expired card. It is the same loop saying I am in the cue, but no one picks up. I went online to see if I could order a replacement card, but XXXX  requires replacement cards on the phone only. I can see the balance, but can not order a card. I realize it is special circumstances with Covid-19, but this many hours on hold is unacceptable. I went in person to Wells Fargo bank to ask if they can order new card or give me the balance on the card and they said no. I had to call for the replacement card. 

Thank you for any help.
Product: Debt collection

I recently received a collection notice from XXXX XXXX XXXX regarding their reference # XXXX for a balance due of {$140.00} This amount is fully disputed as being totally invalid, and I never used PayPal credit. Someone fraudulently used my name. PayPal shows a XXXX  balance for me and has no record of me making any purchases using credit.

Kindly report this matter as fraudulent and remove it from my record.
Product: Debt collection

I checked my email and bank statements and also logged into XXXX to see why I was still owing a debt collector if im paying the bill for the amount of {$110.00}. I have full proof that its been paid by showing my bank statements and emails of confirmation numbers and amount. My last day payment that went through to the XXXX XXXX was on XX/XX/XXXX of XXXX. My next payment will be on XX/XX/XXXX for the same amount of {$110.00}
Product: Money transfer, virtual currency, or money service

I have filled two previous complaints with this company. I'm sure you can go back and look. On going problems with the system and how they handle everything. I have invested over XXXX dollars in your refurbished product, IT ISNT FREE!!! Or a courtesy from the state of New York. I called JPay that of course blame it on the kiosk department. That of course you can't speak to because they are so backed up. Upon calling the XXXX branch I asked to speak to the manager. I was after asking who she was I realized, she wasn't a manager, so then she put me on the phone with XXXX who claimed he was a floor supervisor, he said he was the highest in the call center. So I asked him really so he pays the people in this center. He responded yes. In which we know he doesn't. Son I know he is lieing. All this because. All I wanted and asked for after investing XXXX into this tablet. Was for me to be able to speak to the trouble shooting team, that aren't available they hit generic buttons all day that tell the XXXX  to do a hard reboot, as a consumer in the United States it's my right after investing XXXX in a refurbished tablet. Ti be able to ask for the number of the people claiming they are going to fix my tablet. I shouldn't have to wait 15 days. I don't want to hear it's a courtesy from the state of New York. This is just JPay XXXX is another issue. I'm not even able to link my own personal bank account ti my phone account and no one can figure out why. I have to go pay with a pre paid card every time. No answer. I want a phone call and a solution to all these problems or I would like all my money back from this tablet. I'm paying for a service I'm not getting.
Product: Credit reporting or other personal consumer reports

I received a few late payments on a mortgage at the tail end of XXXX and tried to dispute this information XX/XX/XXXX. The reason I was disputing this information is that it was awarded to my ex in our divorce. I have attached the divorce decree and judgement for the court that pre-date the late payments. Unfortunately, my ex-husband did not pay the mortgage and it affected me. The original divorce decree was dated XX/XX/XXXX, the late payments started in XX/XX/XXXX. 
I have uploaded the final judgement dated in XX/XX/XXXX. I was able to remove a portion of the late payments but there are still some on there. XXXX XXXX has a late in XXXX, Experian has a late in XXXX, and XXXX has lates in XXXX and XXXX. I have tried disputing this information with the Credit Bureaus in XXXX, XXXX and XXXX to no complete avail. I am glad that they were able to remove a portion of them, but I need all of these removed. The late payments were not mine, as the divorce decree signed by a judge states, and the judgement. I have written and called the Bureaus but that has not got me anywhere. 
I am attempting to get a new home and start over fresh but it seems that the Credit Bureaus do not want that for me.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep frustration and disappointment regarding the ongoing issues I have been experiencing while trying to remove inaccurate items from my credit report through XXXX and Transunion Credit Bureaus. 

Over the past few months, I have made several attempts to correct the inaccuracies that have been incorrectly reported on my credit report. Despite my persistent efforts, the situation remains unresolved. I believe it is essential to provide a brief overview of my attempts : I initially noticed the inaccurate items on my credit report and promptly contacted XXXX and Transunion Credit Bureaus. I explained the situation and submitted the necessary documentation, including [ provide a brief description of the documents submitted ]. I was assured that the issue would be rectified promptly. 
After not receiving any updates or resolutions, I followed up on the status of my case. I was informed that my case was under review and that I would be contacted shortly. 

To my dismay, I had still not received any updates or resolutions. I made another inquiry and was told that my case had been escalated, and that I should expect a resolution within a specific timeframe. 

The timeframe for resolution passed, and I had yet to receive any communication or see any progress in removing the inaccurate items from my credit report. I contacted XXXX and Transunion Credit Bureaus again, only to be told that my case was still under investigation, with no further information provided. 

This cycle has continued without any meaningful progress, despite my providing all necessary documentation and complying with XXXX and Transunion Credit Bureau 's requests. The inaccurate items on my credit report are significantly impacting my financial and personal well-being. 

I kindly request the following : Immediate action to remove the inaccurate items from my credit report.

Clear communication regarding the status of my case and the steps being taken to rectify the issue. 
A formal written acknowledgment of the removal of the inaccurate items. 
Compensation for any financial losses or damages incurred as a result of these inaccurate items. I am asking for your immediate assistance to remove the following fraud items : DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX Balance {$370.00} XXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$760.00} XXXX XXXX Inquiry : XX/XX/XXXX DEPT OF ED / XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$0.00} DEPT OF ED / XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX XXXX XXXX Balance {$760.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX Balance {$370.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is reporting inaccurately and is in violation of my consumer rights. The following company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX Acct # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. I have been emailed several times about payments and payment arrangements from this company. After reading 15 U.S.C 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions 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. 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. Acct number are not the same on all 3 CRA 's and In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. Date Opened not the same on all 3 CRA 's and In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. Date last active not the same on all 3 CRA 's and In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. Account is charged off but still reporting a past due balance.

Also as defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE. By definition, the IRS clearly states, the charge off is income, the reporting of this account as inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute several hard inquiries on my credit report that I believe are fraudulent and unauthorized. These inquiries were not initiated by me or with my consent, and I believe they were made by someone attempting to obtain credit in my name without my permission. 

As a consumer protected by the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or fraudulent information on my credit report. Specifically, under Section 611 of the FCRA, I am entitled to dispute any inaccurate or fraudulent information on my credit report, including these unauthorized hard inquiries.

Additionally, under Section 616 of the FCRA, credit reporting agencies and entities that furnish information to them, such as creditors, are required to take reasonable measures to ensure the accuracy and completeness of the information in a consumer 's credit report. In this case, it is clear that these fraudulent hard inquiries were not initiated by me and therefore are not accurate or complete.

I request that you investigate these fraudulent hard inquiries as soon as possible and remove them from my credit report within 30 days of receipt of this letter, as required by law. Failure to do so would be a violation of the FCRA, and may result in legal action and penalties under the law.

For violations of Section 611 of the FCRA related to the failure to investigate and correct inaccurate or fraudulent information on a credit report, including fraudulent hard inquiries, credit reporting agencies may be liable for statutory damages of up to {$1000.00} per violation.

DELETE HARD INQUIRIES AND CLOSED ACCOUNTS Inquiries XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Closed accounts XXXXXXXX XXXX XXXX Closed on XXXX XXXX XXXX XXXX XXXX XXXX Closed on XXXX XXXX XXXX XXXX Closed on XXXX XXXX XXXX XXXX  Hard Inquiries XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX closed accounts XXXX XXXX Closed on XXXX XXXX XXXX XXXX XXXX Closed on XXXX XXXX XXXX XXXXK Closed on XXXX XXXX XXXX XXXX XXXX XXXX Closed on XXXX XXXX XXXX XXXX XXXX XXXX 
Closed on XXXX XXXX, XXXX Experian XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX  Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, ARC Management Group is wrongfully reporting on my credit report that I owe them a debt of {$2600.00} I did not enter into any agreement with this company. I was also not aware of this debt and they gave me no notification of said debt and did not even give me a chance to potentially validate such debt. They may also be violating my rights under the Health Insurance Portability and Accountability Act ( HIPAA ) as I did not give them or any other company the right to share my personal information with them. Also, again, no written or oral contract or agreement was signed between me and XXXX XXXX XXXX. I also sent them a letter in the mail requesting that they send me the necessary information for the debt and give me a chance to potentially validate it, to which they never replied. I did not receive any form of communication from them and they did not give me any chance to potentially validate this debt. I did not enter any written or oral agreement with this company and I don't even know where these charges came from. My SSN ends in XXXX. 

Thank you.
Product: Money transfer, virtual currency, or money service

I am filing complaint against Cashapp ( Block , Inc ) due to an adequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically Cash App failed to take timely and effective measures to address and prevent 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 Funds 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 sent a letter to the Credit Bureaus on XX/XX/202 to remove ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXXXXXX XXXX XXXX  XXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXX Balance Owed : {$7100.00} XXXX XXXX XXXX Balance Owed : {$17000.00} ) that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the Credit Bureaus are required to remove and block any accounts or information not later than 4 business days after XX/XX/2022. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including these fraudulent information again.
Product: Credit reporting or other personal consumer reports

I am disputing the incorrect items listed on my credit report that are not follow the FCRA. This has been an ongoing issue that ive reported as identity theft an needs to be updated on my credit report. none of the information listed has been validated or correct on all 3 credits profiles. please delete an remove all listed items in the files asap.
Product: Credit reporting or other personal consumer reports

I applied for a business credit card with XXXX, I have been a card holder since XXXX. I have never missed a payment over 30 days. I setup autopay but the payments were never deducted from my account. I noticed the lates on my credit report thats how I knew about the lates to my XXXX  business credit card. I was never properly notified that that I missed a payment. I never received a phone call, a email text or mail for the bill.
Product: Credit reporting or other personal consumer reports

I WAS PART OF THE DATA BREACH FROM XXXX AND DEMAND THESE BE REMOVED! I I SUMMITED A REPORT TO THE GOVERMENT FOR THESE ACTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. Validate Inaccurate/Reported Late payment XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. Identity Theft XXXX XXXX Account Number : XXXX Delete this account. 
3. Identity Theft XXXX Account Number : XXXX Delete this account. 
4. Identity Theft XXXX XXXX Account Number : XXXX Delete this account. 
5. Identity Theft XXXX Account Number : XXXX Delete this account. 
6. Identity Theft XXXX XXXX Account Number : XXXX Delete this account. 
7. Identity Theft XXXX XXXX Account Number : XXXX Delete this account. 
8. Identity Theft XXXX  Account Number : XXXX Delete this account. 
9. Identity Theft XXXXXXXX XXXX XXXX  Account Number : XXXX Delete this account. 
10. Identity Theft XXXX Account Number : XXXX Delete this account. 
11. Validate Inaccurate/Reported Late payment XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
12. Identity Theft XXXX XXXX XXXX Account Number : XXXX Delete this account. 
13. Identity Theft XXXX XXXX Account Number : XXXX Delete this account. 
14. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, FL XXXX 15. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX 16. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX 17. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX 18. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 19. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 20. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX 21. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, FL XXXX 22. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX
Product: Credit reporting or other personal consumer reports

recently check my credit report i noticed that i have victim of identity theft numeros credit inquiry close sccount that i have no idea can we remove it please Equifax XX/XX/XXXX, Transunion XX/XX/XXXX XX/XX/XXXX, Experian XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX/XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the breach with Equifax getting hacked, I decided to put a freeze on my credit report with all three agencies. XXXX Equifax, XXXX and XXXX XXXX I was in shock & in disbelief that XXXX CHARGED ME to do so!!!!!!!!!!!! Now, I have learned that to temporarily or permenantly Unfreeze my credit report with ALL three agencies, I WILL BE CHARGED AGAIN!!!!!!!!!! 
The act of charging anyone to Freeze or Unfreeze their reports because of Equifax 's XXXX is Demonsterable to say the least!!!!!!!!!!!!! 
I am requesting that I be repaid for freezing my account with XXXX & not be charged to unfreeze my accounts with all three agentcies!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!.