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 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 resolutions requirements Under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions Have caused significant inconvenience and financial loss, and seek appropriate redress for the violations.
Product: Debt collection

I have told USAA BANK for four years that I am the owner of the credit card they have in debt with me, that XXXX XXXX social security number XXXX, and bday, XX/XX/XXXX was only an authorized user for one and half years from XX/XX/XXXX-XX/XX/XXXX. USAA BANK has never been able to produce proof otherwise there for are breaking the law and caused hundreds of thousands of dollars in damage to credit issues and future issues. XXXX XXXX and myself also provided USAA BANK with idenity theft papers so theses are XXXX reasons XXXX XXXX should not be on XXXX anymore and ONE reason I should not be. Also note that XXXX removed USAA BANK CREDIT CARD from XXXX XXXX recently this company is acting illegally and causing tons of financial damage.
Product: Credit reporting or other personal consumer reports

I ask to dispute the derogatory status reported to my account under U.S.C. 1666 I have the right to request verification of any billing errors including inaccurate reporting and late payments..upon reviewing I notice a discrepancy of inaccurate information the account has a zero balance no past do amount I asked to verify the late payments history and if the creditor can not verify with proper documentation it must be corrected or removed immediately in compliance with the fair credit billing act 15 U.S.C. 1666 if account cant be verified please update my account to paid as agreed never late PAANL to accurately represent my payment history on all credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX agreed to close my account back in 2015 at an old address with an ex-spouse 2 years later, unbeknownst to me it appeared on my Transunion credit report and is hurting my credit score and report. I have not spoken with this collection company nor have they attempted to contact me in any way.
Product: Debt collection

collection agency trying to collect on apartment that i did not stay in -The apartment was in my name but I never stayed there-person skipped last month rent for which they are trying to collect -sent letters to previous employer and calls harrassing
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cashapp ( Block , Inc ; ) due to inadequate customer service and unfair practices, which violate the consumer Financial Protection act ( CFPA ). Specifically, Cashapp 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint ID : XXXX The aforementioned Complaint with Experian is not resolved. Per the FTCA, any derogatory item that can not be verified ; verified means, the original furnisher of information ( not a third party, XXXX, etc. ) i.e. credit card company, student loan lender, mortgage company, or court of record for legal matters. Experian, upon request must send where and whom the reported information originated to prove this reported information is not only valid but also, verified. 

If the information disputed, is still " unverified '' as defined by the FTCA, procedures for reporting. The disputed information must be investigated, verified as outlined via the FTCA and IF a disputed item can not prove valid, the item, deleted from the credit file. 

The original complaint to the CFBP recorded, XX/XX/2018, went unfulfilled. Since filing a formal complaint with the CFPB, Experian sent letters, titled-notification of dispute, investigation results, and finally, an explanation for the results, with a catch-all summary and consumer rights jargon printed on the trailing pages of the letters mailed. 

Experian 's generic mass produced letters, a waste of time and nothing more. Per the FTCA, the item ( s ) of dispute should no longer appear on Experian 's credit file, yet remain. I request all disputed items be deleted per the FTCA procedures for reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$100.00} XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXo XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Product: Debt collection

At   XXXX   XXXX   - I spoke with   XXXX   XXXX   who is telling me that I must submit a Postponement tomorrow morning with a gift letter and bank statement. Even though I am willing to pay off their alleged loan, I was told regardless of my efforts to pay off tomorrow that they may go forward with the sale which is a bunch of bull.
I have confirmed in the first place the   XXXX   XXXX   XXXX   credits were accessed through my assigned US Treasury Direct Acct. For these people to tell me that it may be too late for a postponement as they place to illegally seize my home tomorrow. I do not owe these people.
  XXXX   asked me to provide my personal bank statements and this can not happen. I was a victim of Identity Theft -   XXXX    Employee in  XXXX . I am willing to payoff the amount issuing my acct. # and routing # and   XXXX   is refusing.
2nd Item - I want to report Bankruptcy antics in courtroom 5D -   XXXX   XXXX   - It appears   XXXX   XXXX   attorney went to   XXXX   XXXX   's courtroom on  XX/XX/XXXX  to get a Lift of Stay against the Registered Entity - regardless of fact # 1 I revoked any and all power of attorney as the Live - woman back on the land. Note : this BK case has been closed for over 3 yrs - all debt for the Registered Entity discharged as UNSEURED DEBT. I realized that going to the BK court was a error. The   XXXX   XXXX   loan was paid off as shown by MASTER FILE. I was never served any notice of this  XX/XX/XXXX  hearing and Wells Fargo had my address - So I had no way to put on record illegal seizure of home or fact it is not a loan but copy right business processes. The Will Be Debt Opinion letter is FRAUD - as there is no loan. Please refer to the   XXXX   XXXX   XXXX   XXXX   - very important to see the complicated undisclosed real transaction of sneaky licensing agreement of our identity.   XXXX   XXXX   assists with these crimes TAX SHELTERS in my name -- -- hoping that I will not catch on to there scheme. These behaviors need to stop - the people harmed have lives too and we were not placed on this earth to serve for the legal profession pleasure and benefit as reflected in the  XXXX ,  XXXX ,   XXXX   XXXX  .
These people seem to forget that it was I who authorized the initial credits and I can at any time terminate their fake POA status with their fake loan #. I am in process of getting the lien released at Federal Level.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an unverified account reporting on my credit reports with XXXX, XXXX, and Experian. The Creditor is XXXX XXXX XXXX. I have been the victim of identity theft in the past and I reviewed a copy of my Credit Report and I noticed that this in accurate account is reporting on my Credit Reports. I have disputed the item with all 3 Credit Bureaus and I requested verification that this account belongs to me with my signature on any forms or documentation that this company may have but I received nothing. I have called the XXXX XXXX directly as well as XXXX, XXXX, and Experian to try to have this matter resolved. I have been trying to dispute this unverified account since XXXX 2017. They have failed to validate the debt. I would like for this unverified account from XXXX XXXX XXXX to be removed from my credit reports Immediately from all 3 Credit Bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. On XX/XX/XXXX, I pulled my free annual credit report from EQUIFAX ( Confirmation # : XXXX ) and noticed a collections account for a debt I did not owe from XXXX ( XXXX XXXX XXXX XXXX XXXX ). 2. On XX/XX/XXXX, I sent a certified letter to the name and address listed on my Equifax credit report, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, OK XXXX, stating that I disputed this debt and that it was not owed by me. 3. On XX/XX/XXXX, this certified letter to XXXX XXXX XXXX XXXX XXXX was returned to me and marked " Return to Sender. Not Deliverable as Addressed. Unable to Forward. '' 4. On XX/XX/XXXX, I sent a certified letter to EQUIFAX INFORMATION SERVICES, LLC, XXXX XXXX XXXX, XXXX, GA XXXX, stating " This letter was returned to me by the post office stating it was not deliverable as addressed and no forwarding address was left. Thus, the address listed on my credit report for this creditor is not accurate. I am requesting you to immediately remove this account from my credit report for inaccurate reporting. '' 5. On XX/XX/XXXX, Equifax responded to my later stating " they have verified this item belongs to me. '' I 'm not sure how since the address is inaccurate, not deliverable and I have no recourse to contact this alleged account to dispute the inaccuracy of this information on my credit report. 6. Under the Fair Credit Reporting Act ( FRCA ), EQUIFAX has a duty under the law to remove negative information from my credit report if it is inaccurate. I have proven this account has reported an inaccurate contact address ( as my certified letter disputing the account was returned to me by the post office as not deliverable ). Therefore, under the law, it should be deleted from my credit report. 7. To date, this negative account with an inaccurate reported contact address information remains on my credit report when it should be deleted under the FCRA.
Product: Student loan

I've spoken to XXXX on numerous occasions and even filed a previous complaint. However in trying to get to the bottom of the issues I've have discovered new problems. One being a constant contradiction in information, I was told unverified student loans were given out for more than needed regarding educational expenses to help cover student financial situation while in school ... .. However is said on the promissory note you will not use funds for anything other than educational expenses ... .. which on the contract is signed with a computer generated x, ( not my signature ) nor was ever discussed. Secondly I was told when the loan was originated the interest rate was 15 % total amount paid would be XXXX XXXX. ( just recently discovered as disclosure was never given ) When I began paying the loan it was 5 %, and had changed as it is variable ( still waiting on the details of all interest rates ) yet I will still pay XXXX XXXX??? How is That? It should have changed with the changing interest. I was also never given the disclosure, when I called and asked for all documentation that would have been given on the day of origination I was given the promissory note but no disclosure, when I filed a complaint the disclosure was sent ... ..interesting. thirdly, I was told after 24 payments my cosigner would be dropped, wrong again must pass credit worthiness, which means a hard pull on my credit. Which I've already tried and was denied. I was denied to refinance with two separate cosigner, one of which was the original  cosigner. I can no longer afford payments and there is no help offered by XXXX. Ive already paid XXXX XXXX the loan was for XXXX XXXX and I still owe XXXX XXXX ... ... this loan has broke me and I'm left without options
Product: Mortgage

Essentially we were victims of Wells Fargo 's widespread mismanagement of home loan modification applications during the period XXXX. Our home was financed by Wells Fargo and when the housing market crashed, we requested a home loan modification from Wells Fargo. 
Intially we received a letter from Wells Fargo stating we were approved. They placed us on a trial payment period which we successfully completed and were then placed on a new modified payment plan. After approximately 2 months of the new modified loan payment, we suddenly started receiving letters that we were in default. We called and wrote numerous letters to Wells Fargo and were finally told that our first medication had been voided and since our home was owned by a group of investors, we were no longer eligible for a loan modification. We attended all of the homeownership workshops sponsored by Wells Fargo including one held at the XXXX XXXX in XXXX, but nothing we did stopped Wells Fargo from pushing us toward foreclosure. 
Eventually, we hired an attorney and filed for bankruptcy to stop the foreclosure process. 
Based on our treatment of the financial stress and the mismanagement of our home loan modification caused by Wells Fargo, we believe we should have included in the settlement.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX My account was scammed in the amount of XXXX an scammer who identified himself as a XXXX XXXX  representative stole all my money from my Chime Bank Account I reached out to my bank immediately informing them the bank told me to wait until transaction post once the transaction posted I told them the account was scammed and my claims was denied numerous times. I've made a police report. Contacted FDIC contacted cash app with no resolve where is my money my account was theft by scammers.
Product: Credit card

Complaint Regarding Dispute Handling and Failure to Refund Seller Dear CFPB, I am writing to file a complaint against Apple Card regarding their handling of a dispute that was rebilled to me as the customer. Despite their decision to hold me responsible for the payment, they have failed to return the corresponding funds to the merchant. 

This behavior appears to constitute mismanagement of funds and raises concerns of potential embezzlement. I have contacted Apple Card to request proof that the funds were refunded to the seller, but they have either refused or failed to provide any such evidence. 

I urge the CFPB to investigate this matter thoroughly, as it reflects a serious breach of ethical and legal standards. Attached, you will find all relevant documentation, including transaction details, dispute communication records, and rebill notices. 

Thank you for your attention to this matter. Please let me know if you require additional information or documents. 

Sincerely, XXXX
Product: Checking or savings account

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 the 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 the violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the student loan account with Equifax for several attempts..The student loan listed here is not accurate -- Account number, Company Name, is incorrect..Remove the student loans asap XXXX XXXX XXXX XXXX
Product: Credit reporting

I have been disputing a judgement for over a year. The judgement has been paid since 2013. Every time I dispute the judgement showing not being paid the results are that the company who placed it there verifies that it is correct. After a few attempts to dispute this through the credit bureau and getting the same result every time I contacted the court that the judgement went through and the company who placed the information on my credit report. The court says the judgement has been paid and they sent the paperwork stating such to the company who filed the judgement. I then contacted the company who filed the judgement and they confirmed that the judgement had been paid. They sent me a letter stating such so that I could provide documentation to the credit bureau. I sent the letter to the credit bureau and the response I received was that they could not use it to make the changes and would have to verify the information with the company who provided it. I am not sure why the company who put this on my credit report is still verifying it as correct, if they are in fact verifying it as correct, or why they did n't update my credit report in the first place. Every time I have to correct a mistake, correct an account, etc. I have to provide documentation such as drivers license, proof, etc. and sometimes even that is not enough, while the company who put the information on my credit report or is verifying the information only has to do so verbally.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Report Act ( FCRA ) to conduct a reasonable reinvestigation of disputed informal 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 disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person I am a living human being and I have the right number 15 USC 1681 Equifax is governed by 15 USC 1681 and they have violated my rights numerous of times I demand the accounts listed below to be removed because according to 15US15 USC 1681 I have the right to privacy and I did not give Equifax written consent permission furnished of these accounts 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
Product: Credit card

I had a credit card with Citizens Bank this credit was in good standing as I make my payments on time every month. My card expired last month which I was unaware of but when I became aware I called and tried to have another card reissued and was told the account that the company closed the account because they received returned mail. I never received any communication via email or phone to notify me of what was happening. The company then refused to reported account unless I reapplied for credit. I have had this card for years why would I need to reapply for the card? This action has impacted my credit as they have reported this to the credit bureaus as a closed account. This action needs to be reversed and the account reopened and the card reissued. Also, note that the company has all of my contact information and failed to use any of them to contact me.