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 inconvenienca an XXXX financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the lack of response and ongoing negligence shown by Equifax in resolving discrepancies in my credit report. Despite my numerous attempts to rectify the situation, it has become evident that my concerns have been disregarded thus far. 

I have recently received a copy of my credit report. I discovered multiple errors in the personal identifiers section. These inaccuracies pose a significant threat to my identity and could potentially cause severe consequences if left unaddressed. 

Furthermore, I need to highlight the incorrect reporting of my Name and address. 

In addition, I strongly insist on the immediate elimination of any employers and phone numbers incorrectly associated with my credit report. I do not provide consent for any unverified or potentially outdated information about myself to be retained or reported. 

I understand that it is the responsibility of Equifax to ensure the accuracy of the information provided to lenders and other stakeholders. The erroneous data currently present in my credit report is not only diminishing my financial opportunities but is also negatively impacting my chances of securing my financial freedom. 

I have attempted to address these concerns through various communication channels, including letters, phone calls, and online submissions, but Equifax has failed to respond to any of my inquiries. This unresponsiveness has left me feeling ashamed, embarrassed, and frustrated, as I am unable to rectify these inaccuracies promptly. 

As a responsible consumer, it is my duty to bring this matter to your attention as the competent authority within Equifax. I kindly request your immediate intervention to ensure the verification and removal of all the inaccuracies mentioned above within the shortest possible time frame. 

Please understand that time is of the essence in resolving these issues. I urge you to take immediate action to correct my credit report so that I can regain control over my financial standing.
Product: Credit card or prepaid card

7 fraudulent charges to my U.S. bank XXXX  credit card between XXXX XXXX totaling approximately {$23000.00} ( 2 different stores ). 

When I noticed the fraudulent charges in XX/XX/2022 I immediately contacted the credit card company to report them. 

I then received a letter from the credit card company dated XX/XX/XXXX acknowledging my complaint and giving notice that the company had given provisional credit for the fraudulent charges. 

With my XXXX statement I noticed that all the fraudulent charges had been returned to my statement. 

I immediately called the fraud department customer service to complain. The representative XXXX said she could not handle the problem, but a case processor named XXXX would call me to follow up. I have not received a call from the processor or any other call or written communication about the fraudulent charges that were restored to my card. I have a confirmation number for my contact with XXXX : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewed credit report and saw a number a hard inquiry from XXXX/XXXXXXXX XXXX XXXX, SD XXXX. Never applied for a XXXX   Card and made company aware. There have been no feedback from company. Requested information regarding hard inquiry.
Product: Debt collection

I pulled my credit report and I noticed that collection agency on there ill contact them and they ask me to verify my address the address they have never lived there XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are wilful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " UPDATE/REPAIR '' THE FOLLOWING ACCOUNT. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$240.00}, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$1100.00}, and XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit card or prepaid card

Citi bank emailed me on XX/XX/XXXX that they had closed my credit card account due to inactivity without having informed or warned my prior to such action. I called them and they told me they had sent me a letter one year ago urging me to use the card more but making not mention of possible closure of the account. I asked them to reopen the account ( this is my oldest account ) and they made me undergo a credit check again. This has implications on my credit score which is unacceptable since the bank failed to communicate with me their intention ( and/or policy ) to close the account, or receive my prior authorization for such action. They also failed to remedy the situation once contacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 8. This is not mine. l am a victim of identity theft Also Under 15 U.S. Code 16815 Permissible purposes of consumer reports never gave you any written consent to report anything on my consumer reports no consent is fraud XXXX Account Number : XXXX Please remove it from my credit report. 


11. Verify This invalidated account XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 12. Verify This invalidated account XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Product: Vehicle loan or lease

Purchased a vehicle on XX/XX/year>. 
Two weeks later had a tire blow out, found that the car never truly passed inspection but was sold with passing inspection sticker and passing inspection slip. The car has been looked at by Highway patrol for the state of Missouri, and one of their authorized XXXX  dealers. The car does not pass. The car has progressively gotten worse over the course of 3.5 months to no avail from the company. The company has only two offers give it back and be released from the loan with no refund or they will now do repairs that should have taken place before sale. If this isnt unfair pressures consumer business tactics I dont know what is. The issue with returning the car is I want my money back for the vehicle and there have been several complaints of other consumer losing hundreds of points on their credit even though car hop states that they will release from loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 Also violations of defamation of character Acct name : XXXX XXXX XXXX XXXX Acct # XXXX 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 c. ( 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 crime which antedates the report by more than seven years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate ( 5 ) Violation The term violation means any act or omission that, if proved, would constitute a violation of any provision of Federal consumer financial law.
Product: Debt collection

Synchrony Bank for Walmart credit card services continues to verify all info is correct in regards to credit agency disputes, when different information is being reported to each credit agency. XXXX has reported that the date if 1st delinquency is XX/XX/XXXX. XXXX & XXXX report that the date of 1st delinquency is XX/XX/XXXX. Multiple disputes have been sent to Synchrony Bank regarding this matter. In fact, the last dispute is when they re-aged the account to report as XX/XX/XXXX. I have had multiple accounts with Synchrony Bank, and they fail to report correct information to the credit agencies in general. A total of XXXX disputes have been sent to Synchrony Bank on XXXX accounts. Even after all that, the information on my credit reports is still incorrect.
Product: Credit card

A credit card that I did not apply for/ had no knowledge of showed up on my Equifax credit report. The card has an {$8000.00} credit limit and was issued by XXXX XXXX  XXXX XXXX XXXX XX/XX/year>. I submitted a dispute with Equifax a few days prior to XX/XX/XXXX, and Equifax responded on XX/XX/XXXX saying they verified the card belongs to me, which is incorrect. Equifax also updated the current balance on this card to {$1200.00}. I tried to call XXXX XXXX  XXXX XXXX XXXX XXXX XXXX but couldnt get through to anyone until XX/XX/XXXX where no one could give me any information because they dont have a file for anyone with my information ( name, DOB, SS # ). I called Equifax on XX/XX/XXXX who said the only thing they could do is refile a dispute and that I should file a fraud report with the FTC. FTCs site led me here where I am now filing this complaint.
Product: Debt collection

I pulled my credit report in XX/XX/2021. I saw a collection that I had no idea was on my report. I sent a validation request to the collection agency ( certified mail ) on XX/XX/2021 ( attached letter ). I submitted a follow up letter request. 

I have received no response, and this needs to be removed immediately.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And according to XXXX XXXX XXXX XXXX they are supposed to do this ( XXXX ) Treatment of inaccurate or unverifiable information XXXX XXXX XXXX  In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall XXXX XXXX XXXX  promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and XXXX XXXX XXXX promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to XXXX XXXX XXXX they are supposed to 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.
Product: Credit card or prepaid card

This is the third complaint against TD Bank which is systematically lying in its responses. Although their response of XX/XX/2023, fraudulently claimed that " no credit card claim found for XXXX XXXX transaction in question in the amount of {$280.00}, that particular charge was reflected on the credit card # XXXX on XX/XX/2023. Then there was another lie about our alleged failure to file a dispute. We have been disputing charges of XXXX XXXX. On XX/XX/2023, we called TD bank and talked to a person by name XXXX who transferred our call to a fraud department, and I talked to a person by name XXXX. In response to that dispute of illegal charges made by XXXX XXXX TD bank issued a new credit card. But when I started to use the old charges showed up. It was when I filed a second complaint because I felt cheated and abused. Moreover, I disputed charges in my written correspondence to TD Card Service in XXXX OH. On XX/XX/2023, I provided documentary evidence of XXXX XXXX  removing all their fraudulent charges to CFPB and TD Bank. But TD Bank continues to lie about the situation!!!
Product: Debt collection

1. Medical expenses incurred when a driver XXXX XXXX as a pedestrian while visiting XXXX. 
2. Ambulance bill went into default while waiting for Driver 's Insurance, which had responsibility for payment, to complete payment. 
3. Bill paid on XX/XX/XXXX. 
4. XXXX XXXX XXXX XXXX XXXX XXXX repeatedly called to collect payment XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Each time I told them the payment had been made. 
5. On XX/XX/XXXXXX/XX/XXXXin a phone conversation with the Debt Collectors, the put me on hold to verify that the payment had been made. The woman then informed me that indeed the payment was cleared and they would no longer call me. 
6. OnXX/XX/XXXX, they called again asking for the money and claimed that they can not verify if the money has been paid. They insisted that I send them, via mail, proof. 

They have no right to contact me. They do not keep accurate debt information. They refuse to stop harassing me or check if the debt was paid.
Product: Credit reporting or other personal consumer reports

I was shocked to see that inaccurate accounts suddenly appeared on my credit report tonight, with no clue as to why. Checking my report is routine for me, but this time, there were unexpected discrepancies. I even tried refreshing my browser, thinking it might be a glitch, but the errors didnt go away. Given this issue, Im requesting that the documents Ive provided be carefully reviewed so I can have peace of mind.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report recently, I identified several inaccuracies that are currently impacting my credit standing. I am requesting the credit bureaus to investigate and correct these discrepancies promptly. Specifically, I need verification for the following account details : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Hello I recently disputed, and finally got a letter about the debt, and I paid it XX/XX/22
Product: Credit reporting, credit repair services, or other personal consumer reports

After checking my XXXX and XXXX reports, it shows that i have a XXXX XXXX. This violates the GBLA federally enacted law that requires Financial Institutions to Not disclose non public personal information to non affiliated third parties, unless the consumer receives sufficient notice. 
Give customers the opportunity to opt out from having their information shared in certain situations. 
Protect the personal and financial information of their customers against unauthorized access or use. 
Not only have I never been given the option to opt out of having my personal information shared across 2 different credit bureaus, but this has also caused detriment to my overall score and report to drop drastically. This would in turn negatively affect any attempts to receive a loan or to be granted a home. I would need this error removed expeditiously as I am a federally protected consumer per the Privacy Act of 1974 and the Right to Financial Privacy Act of 1978.
Product: Credit reporting or other personal consumer reports

I have filed a complaint with the FTC and filed a police report for the unknown collection account XXXX XXXX XXXX XXXX XXXX and the unauthorized inquiries. It has been almost XXXX months and the unknown collection account and the unauthorized inquiries remain at large on my credit. I am requesting the CFPB help to facilitate the matter. The bureaus have ignored me. I have also spoke with a XXXX XXXX Attorney. He told me to follow up with his firm after the results from this complaint.
Product: Mortgage

I have tried several times over the past few weeks to make payments online. They have once again blocked my account from taking payments. I have emailed my account manager and ask them to unblock the account however, that has not been done. I also have tried for several days now to fill out the Mortgage assistance application on their website to ensure that my account does not go into foreclosure, however their website keeps looping around giving an error message to fix any errors then submit. There are no errors to fix on the application, I have re-entered the information over and over yet it still will not accept it! Select Portfolio is once again doing everything they can to try and foreclose on my property just as they have in my past two complaints about them. I do not understand how they expect anyone to make mortgage payments when they block their accounts from accepting payments. Then have such a horrible system that you can not fill out their online forms and submit them like it says you can. It is time for someone higher up than Select Portfolio Servicing to step in and make them fix these issues that are constantly recurring. As I have seen from the XXXX XXXX XXXX and online reviews, I am not the only one they continue to do this too. It is either neglect on the part of customer service or intentionally done to force foreclosure and add additional fees. I should not and will not pay fees due to their illegal business practices that they continue to do over and over. Nor do I have the time or energy to continue this cycle with them. I want them to fix the site and accept my payments online. I do not have additional funds to pay XXXX XXXX  fees, bank wire transfer fees etc, When I should be able to make a payment online on their site like every should. I want them to be respectful to not only myself but others and do what they are legally suppose to do. I have said previously I want them to sell my account to XXXX XXXX or a more reputable mortgage company because I am fed up with them. They need to do so because this is absolutely unacceptable business practices on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the collection account XXXX and account number XXXX which they show as being opened XXXX/XXXX/XXXX. That is the date the debt was transferred or sold by XXXX XXXX XXXX XXXX. The collection agency has re-aged this account according to the original creditors date of first delinquency, confirmed as XX/XX/XXXXin the FCRA Compliance Date. Please delete this account immediately. 

This is being reported to the FTC with complete documentation as well as the California State Attorney Generals Office. I am also going to pursue legal action with the help of XXXX and an FCRA specialist attorney.
Product: Credit reporting or other personal consumer reports

I asked them to remove some personal information off my report. They removed some but some of the personal information is still not off. I also sent a letter in with my ID and SS card and some personal information is still not off like I requested. I have one name, one address, one ssn, I do not have a suffix on my name. XXXX XXXX XXXX XXXX is not correct. I want this personal information removed and updated. 


Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, Tn XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, US Dept. Of Education/XXXX  Account # XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXXXXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

Diversified consultants is reporting a collection account to all three credit reporting agencies. I have never had an account with diversified consultants. In the notes for the account it says that I had an account with XXXX. I do not owe XXXX or diversified consultants anything. I have not had any service with XXXX since XX/XX/XXXX. Diversified Consultants in reporting the debt is as new as XX/XX/XXXX, which is wildly inaccurate for two reasons : I do not owe XXXX or Diversified Consultants any money and I have not had an account with XXXX for almost a decade. This seems like a shady practice to collect debts that are not owed.
Product: Credit card

I got an order cancelled on XX/XX/XXXX which the store did not gave me refund and I called PayPal to solve the problem. They gave me the refund for resolution problem on XX/XX/XXXX ( {$250.00} ) but the store, after days also gave me the refund and it was adjusted and updated by PayPal on XX/XX/XXXX. PayPal charged me the same amount on XX/XX/XXXX because I had one extra refund.

I already paid off my credit card but the amount still there even I got the refund for me to pay.

I called them three times and they did not solve the problem and still charging me on my balance the amount that was already refunded.
Product: Credit card or prepaid card

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The particular account XXXX - CARD SERVICE dated XX/XX/2015 that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to the 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.