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 1 seek appropriate redress for these violations.
Product: Debt collection

I was the victim of identity theft where someone opened up an account with two wireless cell phone companies ( XXXX XXXX XXXX & XXXX ). I contacted the wireless companies & provided documentation to prove who I am and that I was not the person who opened the accounts. XXXX XXXX XXXX investigated & determined that the account was fraudulent and that I was not responsible for the bill. On XX/XX/2019, XXXX XXXX XXXX notified the debt collection agency, Sunrise Credit Services, that the debt was not mine and that it occurred as a result of identity theft. On XX/XX/2019, I was notified by my credit monitoring account with XXXX and XXXX XXXX, that the debt collection agency put the account on my credit report anyway, which lowered my credit score by 20 points! I contacted the debt collection agency on XX/XX/19 and spoke to the Asst. Mgr, Mr. XXXX XXXX, who informed me that it was placed on there by accident. Mr. XXXX was very rude and when I asked him how they were going to take care of this, he was unable to provide me with an answer and that he doesn't know how long it would take for the agency to inform the credit bureau about their mistake. When I asked him why he doesn't know, he could not provide me with an answer and stated, " I mean what I say '', when stating that this was an attempt to collect a debt. I am preparing myself to buy a home and this will negatively impact this.
Product: Credit card

BBVA Compass XXXX XXXX XXXX XXXX XXXX XXXX Card and its special XXXX Rewards feature during XXXX Finals ( cardholders can get up to XXXX the points for purchases made during the Finals ) has led BBVA to suspend purchasing on my and numerous other consumers credit cards due to " security concerns '' when BBVA fully well knows people are trying to use their credit cards to cash in a bank promotion that the Bank is not fulfulling. I have tried contacting BBVA about this issue by email, phone, XXXX and XXXX. I have not gotten any answer other than that someone will call be back. As this is a time sensitive promotion, I need specifics or I will consider this fraud by deceptive advertising.
Product: Credit card

Please refer to the first complaint filed on XXXX/XXXX/2015 Case number : XXXX. This complaint is in regards to Capital One Acct # XXXX and excludes the XXXX accounts. In addition. I have contacted the credit bureaus and Capital One directly. To date Capital One has not provided any verification documents on this account. They have exceed the legally accepted 30 day allotment to verify this account. According to the FCRA rules, if a creditor does not verify the debt within 30 days to the debtor, they are not allowed to continue attempting to collect the debt, nor can the creditor list the debt on the consumer 's credit report. This is a clear case of unverified debt. I have exhausted all efforts to resolve this matter.
Product: Prepaid card

I bought an apple gift card in the amount of {$500.00} but on getting home to redeem the card, it says it has been used by another customer
Product: Credit reporting

I have inaccuracies on my report. It shows Judgments that have been settled as being still open and Student loans that have been paid as open accounts, I would like them to review and update my entire report.
Product: Credit reporting or other personal consumer reports

XXXX & XXXX collections has furnished a deceptive account to my credit file XX/XX/XXXX. I called both places asking for the payments I made on XX/XX/XXXX when I closed the account out & neither can supply the payment. The payment was in the amount of {$1100.00} for all equipment listed on the account when it was closed. They insist that I have a balance of {$120.00} in collections for a cellspot device that was not on my account. I have attached copies of the receipts from XX/XX/XXXX showing I paid off all equipment that was listed on the account. This was paid in store. I called the store to confirm I made this payment there on that day & the store was able to pull up the receipt & confirm that I paid off all of the equipment & advised that there must be a problem on customer service end. I am very frustrated with this situation. XXXX  customer service has no notes of the ongoing problems I was having with them since XXXX when I disconnected my phone line ending in XXXX. I was married at that time. I separated from my husband XX/XX/XXXX because of XXXX XXXXXXXX ( including financial XXXX ) I got a restraining order against him. He was listed on the account as an authorized user & had a mobile line on there ending in XXXX. He took out various lines of credit & claimed he didn't. Even after the restraining order he upgraded his phone. I tried getting XXXX assistance in helping him take over the account because I hadn't had a device with them since XX/XX/XXXX. They advise me to keep him as an authorized user since that would be the only way he could take it over. He never would. I called customer service multiple times about this. They would 3way him & he would say he was going to pay the late bills & take over the account. Whenever the time came, he did not. Raking continuous late payments in my name. Finally, in XXXX I got to a place financially where I could pay the account off, remove him as an authorized user, & close the account. I forgot to mention I had the service turned off prior & he called to have it turned back on. After this I went into the XXXX store ( listed on the receipts ) a few times until I finally just said forget it. I'll just have to take a loss on this. I asked them to pull up every device on the account so that I could pay them off when I close the account. You will see by the timing of the payments that I paid the equipment after the past due bill was paid & account was closed. All balances became due that day on all of the equipment. I paid it then & there. I have not heard of this other device that XXXX claims I didn't pay.This has been the most stressful experience with them. I want this deleted from my credit immediately! This whole situation has been very misleading from dragging me through keeping my abuser on the line as an authorized user to furnishing this deceptive file. I hope this can be resolved amicably. I would rather not pursue legal action.
Product: Debt collection

Plenty occasions I called Professional Debt Mediation stating that the debt does not belong to me and that i was a Co Occupant. The apartments told me that i still had to do the lease agreement because i was over the age of XXXX. I 'm not reasonsable for this debt and they never sent anything to validate the debt stating it was mines. XXXX has n't removed it off and i send complaint a couple of times trying to get this removed. 

I called the collection agency and they stated that they had application for me being a co-occupant only and not a lease holder and for me to called the apartments but the apartments never got back with me to validate this debt. 

Debt. Belongs to XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX  XXXX XXXX : {$72000.00} ; XXXX XXXX XXXX XXXX XXXX : {$15000.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$6900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$370.00} ; XXXX XXXX XXXX XXXX XXXX {$1800.00} ; XXXX XXXX XXXX XXXX XXXX MI XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting 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. 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 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 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 then records of convictions of crimes which antedates the report by more then 7 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. These are Fraudulent accounts and need to be removed from my Credit Report.
Product: Credit reporting

My credit dropped XXXX points for a XXXX collection that do n't even exist!! I contacted XXXX and was informed there was no balance on the account and that the credit agency has made a mistake!!! 
I gave XXXX all my info ( account number & social security number ) they looked up my account. ..which by the way is over XXXX years old and said there was NO BALANCE on the account!!!!!! Someone made a mistake and now i have to suffer the consequences with MY CREDIT SCORE DROPPING!!!!!!!
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights!

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

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

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: Credit reporting or other personal consumer reports

I have sent via certified mail numerous dispute letters and verification requests asking for validation of the account information being reported. I asked for an updated copy of my report in the mail to my address and the method of how they validated the incorrect information and fradulent claims being made on my credit report and have not received back anything in over 45 days for the account in question that is clearly inaccurate and fraudulent. They open my dispute online and close it in 2 days changing nothing and have not sent anything in the mail as i requested numerous times. This credit bureau ( Experian ) is disregarding the law and taking advantage of consumers and this has caused an enormous amount of stress in my life as well as loss of money on postage and resources sending letters continuously with no result or legal response to my request. The most recent certified letter I sent was XX/XX/2024. 
In accordance with the Fair Credit Reporting act. The account I have been requesting response and validation for has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. and 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.

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 4 ) Consideration of consumer information. In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information ( 2 ) ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

611 - 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) This is an injustice to me as a tax paying citizen of this country and a violation of my rights under the FCRA.
Product: Bank account or service

i went into chase back to get change the teller asked me for proof that i had a chase account in order to give me change i gave her my chase credit card as proof she gave me the change when i got home i was looking at my account online as saw that she took out {$100.00} out of my credit card as a cash advance when in fact i did n't withdraw any money i went into the branch they acknowledged that the teller had more money in her draw then she was supposed to have and that they will credit me as soon as the charges clear on my account i called the branch a few times trying to speak to the manger with no call back as of yet and no credit
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 and XX/XX/2023, I submitted multiple letters to Transunion, XXXX, and XXXX with my concerns about things being reported on my consumer report ( XX/XX/2023 letters attached ). There are numerous inaccuracies with the accounts in question. They are not in compliance with the Metro 2 Standard of filing. As of now the CRA 's have not updated the status of any account nor have they notified me of an investigation and if there is one conducted they have not informed of the results.
Product: Checking or savings account

I deposited a check for {$950.00} through the mobile pnc app on X/XX/17. The following monday I received a notice of a hold on my deposit and I spoke to the teller at PNC and was assured that after 5 buisness my check will be cleared. My check was cleared on Saturday X/XX/17. The following there was another hold on placed on my funds and has not been lifted since.
Product: Credit reporting, credit repair services, or other personal consumer reports

collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX  all ftc violations will be attached
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, NC, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, Indiana XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX. XXXX. NC XXXX. XXXX XXXX To Whom It May Concern : This letter is regarding XXXXXXXX XXXX XXXX an unaware and unauthorized collections on my credit reports on all three bureaus which you claim I owe $ XXXX is a formal notice that your claim is disputed, this is not mines. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX TransUnion and XXXX  XXXX from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue.

I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Product: Debt collection

Im a victim of identity theft someone got my XXXX XXXX card and used it, when I first noticed it I called the company and let them know what had happened, they closed the account and sent me a new card. And up to this day theyre still asking me to pay for something I didnt used.
Product: Credit reporting or other personal consumer reports

I requested adjustment to my reporting to the three credit agencies. I have XXXX late payments on my XXXX XXXX, account # XXXX. And XXXX late payments on my XXXX loan XXXX. Since XXXX of 2024, I have not had a single missed payment on my XXXX loan account. 

Because of my otherwise good payment history over my previous year, I would like you to please consider removing the negative payments from my credit report. At the time of the late payments, i was placed on bed rest due to an unexpected XXXX, not only did i catch XXXX XXXX while XXXX  causing me to be very ill, my XXXX  was also diagnosed with XXXX  ( which I have proof of hospital and doctor visitations ) Around XXXX  months of XXXX. In XXXX I had to XXXX  give XXXX  to a XXXX  XXXX. I was unemployed for XXXX months behind all of these complications. Once I was able to return back to work my on times payments resumed. I say that not to justify why the payments were late, but rather to say that the late payments are not a good indicator of my actual historical credit worthiness due to uncontrollable circumstances. I hope that XXXX XXXX XXXX is willing to work with me on erasing these marks from my credit reports. 

I am currently in the process of buying my first home after finishing XXXX school in XXXX of this year and these late payments are the only detrimental items currently reflected on my credit report. Learning to manage credit properly has been a core part of adulthood for me and I was relieved and happy to be able to rescue both of my accounts with XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing some fraudulent accounts on my report for over a year, have sent in all documents that was requested from me. Nothing has been removed, I have been told multiple times that my police report and other documents were being attached to the dispute. I found out that the documents are not being attached to the disputes and was told to get a new updated police report, which doesnt make sense because my police report is very valid and should have been attached to every dispute.
Product: Debt collection

On XX/XX/2018 a " legal '' department from county contacted my mother inlaw about having to appear before court over a debt that was owed. Gave her the number to call ( XXXX ) along with a case number. Said it was urgent that she passed the message along before I had any legal ramifications. I contacted the said number and they stated they belonged to the county legal department and asked for my case number which I replied and they put me on hold or what sounded like a muted phone. They said I had an outstanding debt to my bank for an old account. They told me to verify my social ( which they had ) but they did not have my account number. They said my mailing address needed to be verified but they gave me a wrong address. I did not verify the address as I knew it was wrong but did not want to confirm my social as it was correct but i knew I did not have a debt with my bank nor loan. They told me I could either go to court and resolve the {$4000.00} debt or resolve it offline with a {$580.00} payment over the phone or money order. I would then get an emailed receipt that I would've digitally signed the confirmation receipt they would send me after the payment over the phone. They were very eager to resolve the debt over the phone in an instant and with a one time payment. They claimed I received letters and final notices which I didn't. I ended the call as they requested my card information. I immediately called my bank to validate said claims but they were not true. I am in good standing with my bank and my account is still active.