23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( block inc. ) due to inadequate customer service and unfair practices. This violates the consumer financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Student loan

Requested a refund of payments made per the CARES Act on XX/XX/22. Followed up on XX/XX/22. Still have not received this federally obliged refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 


XXXX XXXX XXXX Balance : {$670.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Product: Checking or savings account

I had a savings account with my ex husbands name on it ( opened in XXXX I believe ) I was divorced in XXXX and his name was still on my account. I had never received any documents with his name on them so I was unaware that I needed to take his name off of the account. Around tax time this year XXXX {$610.00} was withdrawn by Huntington from my savings account to pay off XXXX of his delinquent accounts. I then closed my Huntington account and withdrew my funds. After calling and asking questions Huntington then sent me a check XXXX weeks later for the {$610.00} they had withdrawn. I have not received any letters or had any phone calls from Huntington since. Today XX/XX/XXXX I received a call from a restricted number the female caller verified my address and my social security number which I never provided and told me I was being summons on XX/XX/XXXX for court I asked what is this pertaining to and she told me I needed to call this number with a case number that she was going to give me because she could not explain it. The phone number she gave me is XXXX and the case # XXXX. Once I called the number the same female answered the line XXXX XXXX XXXX and explained Huntington is suing me for {$3200.00}. I called Huntington customer service and was advised this is a scam and was given your website to start and to call local law enforcement and file Identity theft claim once I receive a report back from your office.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had my mortgage with Bayview Loan Servicing , LLC, for approximately six years with good credit history, however this company was not of my own chosen, this company brought my mortgage from XXXX mortgage and with them my payment went up very high, and also doing this time i developed and continue to have health issues with XXXX for one, high bills, and paying back taxes that put me in a hardship with my finances. The first four of the six years Bayview Loan Servicing , LLC, didn't report my credit history to any of the credit bureaus with very good credit., and lately after several years they have been reporting my credit history., also during these same times I have applied for a modification loan five or more time, and have been denied five or more time, however the last modification application was fill out with the assistance from a state counselor to make sure the application was in proper order, and i still was denied the modification loan.from Bayview Loan Servicing , LLC. I am asking please, that Bayview Loan Servicing , LLC please have this inquiry, and credit history removed from my credit file because it is making it very difficult for me to acquire credit.
Product: Debt collection

XXXX XXXX XXXX Amount : XXXX Creditor Type : Other Collection Agencies Last Updated : XX/XX/2016 Creditor Name : XXXX Address : XXXX, XXXX, MO, XXXX Phone Number : XXXX tacit vilotaed my consumer rights all i got was phone call saying my name call regarding documents will not call no documentation as per collection procedures nothing i filed bankruptcy in XX/XX/2016 wiped all payday loans loans they posted on my XXXX credit reports destroying my credit violating all collection procedures again i have no idea what this is and i will not contact them as they over XXXX complaints from BBB in XXXX Illinois and i want the things removed contacted credit bureaus next obtaining a lawyer
Product: Debt collection

I have received XXXX TEXT messages beginning XX/XX/2022 from National Recovery Agency listing the debtors full name and address, account number, original amount owed, current amount owed, original creditor and current creditor. I am not the debtor. While I am related to the debtor listed, the debtor was XXXX years old on the date the text messages indicate for the origination date of the debt. This company has not called the number they are sending the text messages to for the purpose of verifying the identity of the person receiving the text messages. The amount of details regarding a debt this company is sending out to unverified recipients is concerning.
Product: Debt collection

This is in response to CFPB Complaint No. XXXX 

The information you provided in your response is outdated. Per the prior compliant, XXXX XXXX has acknowledged there was a billing error and that no debt is owed. 

If you contact them today, their records would show that they are not expecting any amount owned by XXXX XXXX XXXX XXXX  but instead that they owe us money. I have reattached the email correspondence confirming that we do not owe the debt amount you have in your records. 

If you review the email correspondence you will see the following : XXXX XXXX paid a {$300.00} security deposit around XX/XX/2019 XXXX XXXX  paid an additional {$300.00} pet security deposit in XX/XX/2019. 
XXXX XXXX XXXXncorrectly only credited the pet security deposit. 
- XXXX corrected their records and stated they owned the XXXX and that a check was in the mail. 

Please contact XXXX XXXX and correct this error.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX PL XXXX XXXX XXXX FL XXXX XXXX : Identity Theft Victim To whom it may concern : I am a victim of identity theft, and I did not make this charge. Enclosed is a copy of my Identity Theft Report supporting my position? In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. 


Sincerely, XXXX XXXX Enclosures : Identity Theft Report FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 ) XXXX XXXX XXXXXXXX XXXX {$1400.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX  XXXX XXXX XXXX {$560.00} POSTED XXXX XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX MIDLAND CREDIT MANAGEM {$380.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX. / MIDLAND CREDIT MANAGEM {$850.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX MIDLAND CREDIT MANAGEM {$2400.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX  {$570.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXXXXXX XXXX {$400.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT
Product: Checking or savings account

On XX/XX/2021 I forwarded by fax a Declaration of Unauthorized Endorsement or Altered Item to Chase for a {$600.00} check ( check number XXXX XXXX that was stolen and cashed by XXXX  XXXX XXXX without any endorsement. I followed up with a call on XX/XX/2021 and was advised that the claim could take 90 days, but after 90 days, the funds would be credited to my account. I submitted a follow up email through the Chase online website on XX/XX/2021, but was told I had to call for more info. I called Chase today as it has been over 100 days and Chase has still not resolved the issue and credited my checking account for the {$600.00}. Now I am being told that XXXX  XXXX XXXX, who cashed the stolen check has to recover the funds before I am credited the funds back. This check had no endorsement on the back of it and was made out to my church. I feel that Chase bank is taking advantage of me because I am XXXX years old.
Product: Debt collection

Chase Bank violated terms of Service, as part of our contract includes a refund for defective products from one year of date of purchase. The date of purchase was XX/XX/2022. 

Chase Bank is failing to honor the defective products, which it is not honoring and I have been overcharged by XXXX with XXXX for a defective product.
Product: Credit reporting or other personal consumer reports

I have never once given you guys a permissible purpose to furnish this bankruptcy account on my credit report whatsoever. You can not produce any contract with my signature giving neither you nor the bankruptcy court permissible purpose to furnish this bankruptcy on my credit report. Therefore Bankruptcy XXXX XXXX-discharged Date Filed/Reported : XXXX Reference # : XXXX should be removed from my credit report entirely!!
Product: Debt collection

TALKED, FRAUDULANTLY POSTED TO CREDIT REPORT, WOULD NOT RESPOND, MADE SEVERAL SCARY PHONE CALLS TO ME AND MY DAUGHTER, THREATENED TO PHYSICALLY HARM ME.
Product: Money transfer, virtual currency, or money service

Received a text message from XXXX ( XXXX ) XXXX with the message 1ALERTS : Dear Fifth Third Member, we have received a XXXX Transfer request of XXXX $ to ( XXXX XXXX ). Not done by you? Review https : XXXX. I do not have a fifth third account so this is obviously falsified and fraudulent.
Product: Payday loan, title loan, personal loan, or advance loan

I do not recognize these accounts on my credit report and can not confirm that they were done by me and I didn't make any late payments
Product: Debt collection

XXXX XXXX  charged off this account in 2021. They have now illegally reopened the account with current dates which falsely manipulates the statute of limitations. Charge offs are not allowed to have active payment history and can not be opened and closed at the creditors decision. I have also requested verification of debt over 90 days ago to verify orginial signatures and they refuse to process the request. This is illegal and the creditor has no choice but to provide validation of this debt and remove past history as this is a CHARGE off and you can not manipulate the dates.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

AMEX account XXXX If AMEX forces my family to pay off XXXX, we are 100 % going to court.
Product: Credit reporting or other personal consumer reports

There are things on my XXXX  and equifax that are not mine, Ive trued to dispute them but were denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/XXXX, a letter was sent certified to Ally Financial contesting their information on my account and incorrect credit bureau reporting. 
I stated and showed that I paid the final payment of my lease on XX/XX/XXXX. The lease was paid in full. Ally has failed to show any evidence to the contrary. In addition, they stated they made a charge of in the amount of {$3400.00} yet the lease was finished and the vehicle returned. 
This is completely incorrect.
Product: Debt collection

Trans world systems collection agency called my place of employment and asked for my name. They ask me if I was the person the were looking for and presented me with an unknown date of birth and social security number. When I told them that I was not that person, they ask for HR. 

I told them to stop calling.
Product: Credit card or prepaid card

I noticed a charge on my card I didn't make. I called the credit card company and they said it was fraud and sent me a new credit card. The charge continued to appear on my card. I called the credit card company fraud department and they said the charge came from my phone, I explained my phone was lost during this time and they didn't care, they said I made the purchase and it wasn't fraud. I sent them all the backup emails I sent to the merchant informing them about this order, and a copy of the merchant package I refused and returned to the mailman but the credit card company refuses to reverse the charge I didn't make or receive.

I was then told by the credit card company it shouldn't be fraud but rather a dispute, so I opened a dispute with the credit card company and sent them all my supporting documents, they told me they needed 10 days to contact the merchant and it would be reversed as I didn't order and refused the product, but today when I called as the charge was still on my card, I got an entirely different story again, saying the merchant already gave me a credit, which is not ture. When I contacted the merchant they said I had to work with my bank and they couldn't do anything further to help me.

I received email notification fr this merchant confirming my purchase when this happened, I emailed the merchant back immediately and informed them the same day I received their email that I didn't make this purchase and to cancel the order and refund the charge. I received another email a day or so later telling me they shipped this order. I informed the merchant again I didn't make this purchase and to not send the order. The merchant sent it anyway, I refused the order and the mailman took it to return to them. I have attached all supporting documents sent to the merchant and credit card company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft this has been an ongoing problem over the past few years I had alot of fraudulent inquires from someone trying to obtain credit in my name aswell as several credit accounts opened in my name when this came to my attention I filed police and identity theft reports and I submitted a dispute with the 3 Major credit bureaus transunion XXXX and XXXX and requested this information be blocked from my credit file Of those XXXX disputes XXXX and XXXX have since blocked this information and transunion sent me a letter stating they would not remove the XXXX inquires and block the fraudulent accounts opened from identity theft even though I submitted all the documentation required by federal law to have them do so.
Product: Credit reporting

i had a chaoter XXXX bankruotcy which was discharged on XXXX XXXX 20140my my case XXXX my attournys name is XXXX XXXX. his phone # is XXXX thank you for yout swift action in this manor XXXX XXXX XXXX
Product: Credit reporting

Equifax is reporting a public record of a judgement against me. I went to the court, and there is no such judgement of record from this court against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are incorrectly reporting an account where I am shown as an Authorized User on XXXX XXXX - partial account number ****XXXX. ( Please see pages attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. XXXX  is reporting correctly. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

two fraud and inaccurate accounts ( XXXX XXXX / XXXX AND XXXX XXXX XXXX ) are reporting under my equifax credit file, i have tried to dispute these two inaccurate accounts from equifax but they have not been helpful at all, i have send them my police reports and the FTC report as well, but they are not helping me wit this stressful days and situation., i will be attaching these paper work that i have in my possession. 
hopeful you would not be ignoring me and be helpful appreciate thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to let you know your agency is in violation of the Fair Credit Reporting Act. 
I have spoke with a Consumer Law Attorney and have studied the FCRA as well as the CFPB Advisory opinions for FACT checking.

What I learned is the items on my credit report should not be reporting at all without my consent. The only person to give consent is the consumer and that is me!! 

You are allowing improper use of credit reporting against what LAW has written. The consumer controls the credit reporting not the agency.

It is the policy of congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public personal information. 

I XXXX XXXX, did not CONSENT to any bank or agency to report 15 USC 6802 ( B ) A financial institution may not disclose non personal information to a non affiliated third party unless ( A ) such financial institution clearly and conspiculously provides to the consumer in writing or in electronic form or other form. 

I DEMAND the items listed below be DELETED from my consumer report. 

1 ) XXXX XXXX XXXX XXXX XXXX 
XXXX ) XXXX XXXX XXXX XXXX XXXX I am a litigious consumer and will seek legal representation defending my right to PRIVACY if these items are not removed.
Product: Credit reporting or other personal consumer reports

I got an email from XXXX XXXX about my credit report showing a hard credit inquiry on XXXX XXXX, 2025 from XXXX XXXX Bank. I immediately noticed this was not me and contacted XXXX XXXX Bank where I was told that a Hard Credit check was made by ( someone ) ( somewhere )- Not myself, for a credit card. It was approved for {$8000.00}. They could not acquire an account number for me but could give me the last XXXX digits of the credit card they approved being : XXXX. The agent 's ID number is XXXX and she told me the XXXX department opened an investigation and cancelled the card/account and would contact me in XXXX business days. This XXXX inquiry has already reflected on my credit score report and has created loss in rating.
Product: Credit reporting or other personal consumer reports

re : dispute results. File number XXXX for this account : Account : XXXX XXXX XXXX Account # : XXXX Hello TRANSUNION XXXX, I disagree with the XXXX  XXXX XXXX account listed which still appears on my credit report after your Investigation. I am requesting the immediate re-investigation of this item. The inaccuracies being reported are highly injurious to my credit score. 

In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, and Subsection A-D, please provide me with the complete names, contact information, and business addresses of each individual you verified the account information listed above so that I may follow up. 

Please send me an updated copy of my report after your reinvestigation. Thank you Here is the account information again ; Account : XXXX XXXX XXXX Account # : XXXX from dispute File Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried countless times to resolve this issue I called in on, XXXX and spoke to a XXXX at XXXX and we went over how incorrect information was being reported on my credit and I still have not received a updated credit report with this information removed. My date of birth is incorrect I have sent it mail and called and this public record is on my credit that doesnt belong to me. Im not sure how its even placed on my credit when my DOB is not correct. This is bad credit reporting on Equifax.
Product: Credit reporting

XXXX, Equifax , and XXXX have dropped my credit score after entering into a debt management plan to repay what I owe. These agencies have rate my credit as poor after XXXX XXXX has written off my debt as bad debt, but I still continue to make payments on my account and have never been late. I am asking the credit agencies to remove it as bad debt since I am making payments and never have been late to raise my credit score. I finally have identified a critical mass of people in the same situation to purse this legally ( with the assistance of a law firm willing to move forward ), but i was asked to pursue this avenue first.