23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$1300.00}
Product: Money transfer, virtual currency, or money service

This is about Cash App company, On Tuesday XX/XX/XXXX, someone hacked into my account and fraudulently stole {$180.00} from my Cash App. Immediately, same day, I notified Cash App Support and they told me they were looking into it. They requested I sent them some information which I did A day after, they came back to me asking for same information. I did send those again. 

2 days later they came back asking for same information I'd already sent to them twice. And they claim they were not able to locate my account. 

When I went online to find a way to resolve this issue, I came across a website called XXXX - and the reviews left by other consumers regarding their experiences with Cash App were totally upsetting ( XXXX XXXX XXXX ). I came into conclusion that this company does not have the interest of consumers at XXXX, and they appear to deliberately support fraudsters using their platform. 

Please can you help? I need them to return the money stole from my account. 

I will be so glad if you can help or point me in the right direction. 

Thank you so much
Product: Credit reporting, credit repair services, or other personal consumer reports

i recently disputed some inaccurate and incomplete items that has passed the statue of limitation for Mississippi ( 3 years ) or more than 7 years old on my credit report from XXXX, Equifax and XXXX for the following tradelines ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent me disclosures per 15 USC 6802b XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BOTH COLLECTIONS ARE ITEMS OF IDENTITY THEFT AND HAVE FILED A COMPLAINT WITH FTC ( IDENTITYTHEFT.GOV ) please delete all items from my credit report
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$0.00} XXXX  XXXX XXXX BALANCED {$0.00} XXXX  XXXX BALANCED {$0.00} XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX  XXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX  XXXX BALANCED XXXX XXXX XXXX XXXX BALANCED {$0.00} XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX Reference # XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX Reference # XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX Reference # XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Debt collection

In XXXX of XXXX I was taken via ambulance to XXXX Hospital Subsequently i had numerous XXXX and was hospitalized until XXXX of XXXX. I had insurance which covered everything including the ambulance ride to the hospital. I received an invoice from XXXX XXXX XXXX XXXX Pa a few weeks later. I called my insurance company. They stated the above mentioned company incorrectly coded the billing, therefore it was rejected. I then contacted by telephone XXXX XXXX XXXX and notified them to rebill and correct the code. None of which was done. This credit account was subsequently sold to Account Resolution Services with an erroneous date of XX/XX/XXXX. I have disputed this medical invoice now for 5 years with no luck. Today i also filed a new claim with XXXX disputing the servicing dates. 

Account Resolution Services will not clarify or correct the dates of service/date of actual billing This account is now 8 years and 30 days on my account which is against FCRA Requirements. 

I would like this bad debt/medical debt to be removed from my credit report as it is the only negative remark on there. 

Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has false information on my credit report. in addition to CRAs and creditors NOT sending the requested copy of signed contract also shows charge offs on my account while also stating a 1099 was sent. Per IRS law 1099 statement are claimed as income. CRA 's are not to report income on credit reports Also, I never gave permission for the creditor or CRA to furnish my personal information. 

By law, reinvestigations are to be completed within 15 days. I do no give permission for more time to complete
Product: Debt collection

FDCPA, FCRA, GLB Act, IRS violations committed against me. Please see attachments
Product: Debt collection

I was a co signer on a Student loan with my nephew from XXXX XXXX, they sent the loan to Navient to collect because my nephew missed payments. They have never made any attempt to call him for payment. I gave them his name and address and number with no result, they continue calling me. Then my father paid ( XXXX XXXX ) the loan off and they are still calling and sending me bills, not from XXXX XXXX but from Navient. They have ruined my credit falsely.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX
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 timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected with a unfair and deceptive dispute process as they did not comply with error resolution requirements under electronic transfer act and regulation E these acts have cost financial loss and a significant inconvenience and I am seeking appropriate redress for these violations
Product: Money transfer, virtual currency, or money service

In 2021 my Cash App account was unexpectedly closed without prior notice or a clear explanation. My account was closed then, and I could not remember the balance. I attempted to contact Cash App support through cash, and they could tell me nothing but that my account was closed in 2021. I wanted to understand why my account was closed and how to recover my funds. However, I either received generic responses that did not clarify the issue or did not receive a response at all. 

I am requesting a detailed explanation for the closure of my account and, if possible, reinstatement. If reinstatement is not an option, I would like my remaining balance to be refunded to my linked bank account or sent via check. Additionally, I would appreciate guidance on resolving any outstanding concerns to prevent similar issues in the future.
Product: Credit reporting

I have a hospital bill from XX/XX/2016 that my insurance for some reason would not cover. I was not properly notified of this due to change of address, so the bills did not reach me. My credit score just dropped from a XXXX to a XXXX. I never had a problem with resolving the bill before it reached this point, had I been properly notified. Also the balance amount of the account is {$780.00}, not {$790.00} as the collection agency reports. I would like this removed from my credit report as soon as possible. I have never missed a payment or not paid a bill. I am trying to buy a house and this drastically affects me in a negative way. thank you Old address XXXX XXXX, NJ XXXX New address XXXX Route XXXX XXXX, NJ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I was provided to XXXX a consumer file pursuant to section 609 of the fair credit reporting Act ( 15 USC 1681g ) permissible purpose to access my information. I sent them a letter on this date, XXXX XXXX XXXX, I attached that letter that I sent them that clearly tells them that the information they are reporting is not accurate its not complete, and it is incorrect. Please delete it from my Credit Report Immediately. I wanted them to reinvestigate this because the way its looking on my credit report it does not look accurate, fair and it does not look complete. Additionally, I alerted them with my filling of my FTC Identity Theft Affidavit, which was attach as well, to report separate personnel information and accounts appearing on my consumer credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal information and accounts below : Personal Address Information : 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 Additionally, I informed them that I believe there may be other violations of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681 ( a ) ( 4 ), which emphasizes the need for accurate credit reporting to ensure fair treatment of consumers, and 15 U.S.C. 1681b ( a ), which outlines the permissible purposes for accessing a consumers credit information. Under Section 605B of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c2, I was entitled to have this fraudulent information removed from my credit report expeditiously. I insist that they do not use automated verification methods such as XXXX service to investigate my claim due to inaccuracies of XXXX versus XXXX records, as these methods are insufficient for verifying the accuracy of such serious allegations. 

I explained that I was maintaining detailed records of all correspondence and actions related to this matter. Including their failure to respond within my entitled to have this fraudulent information removed from my credit report expeditiously. Under the FCRA, I may seek up to {$1000.00} per violation for defamation and negligent enablement of fraud. I look forward to your prompt response to this matter.
Product: Debt collection

Recieved a letter from ARA stating that they legally owned a debt from 15 years ago out of SOL by the way. Demanding payment. On bottom of letter it states that if I request verification then they will get a judgement against me within 30 days of my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no idea what is going on over there at the CFPB. I was a victim of fierce wrongdoing. I'm not accountable for this account. I have no knowledge of it, no legal obligation for it, and no information as to its origin. I did not receive any money, goods, or services as a result of the identity theft. This account does not belong to me. Im again attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... The account below needs to be removed from my file ; XXXXXXXX XXXX XXXX XXXXXXXX ....
Product: Mortgage

I am discovering that a HUD was created after closing with XXXX XXXX on XXXX XXXX XXXX and also learned that there is prior contamination to our property not disclosed to us at any point and time. Ever since we bought this house we have had so much fraud on almost every account we have. My XXXX and XXXX accounts have also been hacked into and I have since learned that quicken loans owns both of these companies. My biggest concerns are why there was a HUD created 9hrs after closing documents were signed me and XXXX XXXX. The stress from this entire process has caused so many problems in our marriage that we are no longer even living together. After almost a full year we set up auto draft with quicken loans in XXXX XXXX. XX/XX/XXXX-XX/XX/XXXX pulled with XXXX issues but in XX/XX/XXXX I got a phone call from someone claiming to be quicken loans stating our payments were now coming back invalid. I called my bank and they read the numbers to the rep with quicken loans and discovered a number was now missing from the account number. Now quicken loans claims that never happened and instead numbers were swapped around. Either way it happened it should have never even happened with an account prevoisly set up on auto draft and not having prior issues in the months prior. I asked for copies of my escrow checks and the rep XXXX denied me access to these checks and said I did n't have good reasons to request these checks. Now the EPA is claiming their is a criminal investigation for fraudulent sale of the property and that i should have been given a disclosure at closing about what the land was previusly used for. I can also not find a release of lien on a mechanics lien filed with XXXX county in XX/XX/XXXX and I can only find a partial release
Product: Mortgage

This is a follow up to my last complaint as nothing has gotten resolved. CMS and their lawyers XXXX XXXX XXXX continue to ignore and or not communicate with my lawyer. To date they have accused myself and my ex husband of fraud, yet have not stated what kind of fraud or provided any proof to my lawyer or the court. Yet they have now closed my case, cont to ruin my credit and are going to take my house. Their rep did respond to my complaint but unfortunately did not bother to read it as seen in their response. I have since found out that their lawyers, XXXX XXXX XXXX are being accused of defrauding their clients, which is probably why we dont hear from them
Product: Money transfer, virtual currency, or money service

XXXX XXXX 's grandson, XXXX XXXX, was hospitalized for XXXX XXXX while on vacation in XXXX. XXXX Hospital required cash up front. XXXX XXXX initiated a {$5000.00} wire transfer at XXXX XXXX. The money was held so long at the intermediary bank, Bank of America, that the family had to initiate payment via another option. XXXX XXXX requested the money back from Bank of America. Bank of America asked that we ( XXXX and XXXX XXXX ) contact the XXXX Hospital and XXXX bank in XXXX, XXXX. XXXX and XXXX 's daughter, XXXX XXXX, did everything that was asked of us. Bank of America closed the case without resolving our issue or ever speaking directly to any of us. On top of that XXXX XXXX XXXX XXXX XXXX, our family feels victimized once again by Bank of America.
Product: Credit card

On XXXX I requested FNBO to open a dispute for a charge where the merchant ( XXXX 's ) did not deliver the promised double rewards for a qualifying gift card purchase. Despite me requesting the merchant to issue the rewards the merchant simply closed my request without granting the rewards. I received a dispute reference number, XXXX  XXXX XXXX XXXX. However, FNBO did not open the dispute. Another issue is that FNBO is stuck in the XXXX. Their dispute process requires a convoluted menu, then a long winded phone call with redundant questions instead of an automated system where I a dispute is automatically opened and a portal is provided where I can upload information.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$3000.00} XXXX XXXX Balance : {$2900.00} XXXX XXXX Balance : {$3000.00}
Product: Debt collection

Copied and past emails to Word document as per XXXX XXXX. I was unable to upload from email. 

I am filing this complaint against XXXX andA-1 COLLECTIONS SVC XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX. 

This company has place a negative report on my credit report after I tried and sent letters stating that this account does not belong to me. I will attach emails of what had taken place. I explained to them even while I was in the hospital and as they kept calling my cell phone that I was not responsible for the debt and they need a better way to help the consumer on their website. I never signed or agreed to pay for an instrument after I did a XXXX time credit card payment. I gave the billing and shipping address and other information went to the other party as agreed. I immediately explained that I made a XXXX time payment. After the payment several emails came to me and I responded that it should go to the other party giving them his email address, phone number and mailing address and the party that is responsible did so as well. He also spoke to them and he said to this day, they never sent him a bill. They contact him XXXX time and stated they will mail him a bill, that never happened. They continued to harass me in the hospital as well as while I was in recovery from surgery. My health aid would answer the phone and give them the other party name and number. I ask that they remove the negative credit collection from my report, and make their payment and contract methods better and not be so misleading.
Product: Money transfer, virtual currency, or money service

This complaint is in reference to the fees that I was charged by CashAPP. I was not aware that the fees would be charged. Then they started getting out of hand.
Product: Payday loan, title loan, personal loan, or advance loan

In XX/XX/, I took out a {$2000.00} loan from Integra Credit to cover overdue HOA payments, as the rates for all HOAs in Florida had more than doubled, leaving me in a desperate situation to prevent foreclosure on my home. While I have consistently made payments on the loan, the termsessentially resembling those of a payday loanhave created a financial trap with no foreseeable end in sight. 

The interest rate on this loan is an astronomical 187.68889 %, resulting in a staggering {$4600.00} in finance charges and interest. This excessive rate has made repayment unsustainable and feels grossly unfair, especially since I have already paid back the {$2000.00} principal. Asking me to pay nearly {$5000.00} in additional charges is not only unreasonable but also seems predatory and exploitative. 

I urgently need help to address this situation. I believe Integra Credit 's practices may violate fair lending laws, and I am seeking options to challenge these excessive charges, either through negotiation, legal recourse, or regulatory intervention. This loan has become a financial burden that far exceeds what is reasonable or ethical, and I need assistance to resolve this injustice.
Product: Credit reporting or other personal consumer reports

I have repeatedly requested that they investigate the accounts below and provide me with any documents to support their reporting. As of today, they still need to supply such documents Experian states their are no such documents from them all the information comes from the creditors XXXX XXXX XXXX XXXX. XXXX I am requesting, concerning FCRA 611 ( a ) ( 7 ) : A description of the procedure ( s ) used by their agency in my earlier disputes.

All the information you used for their investigation, as FCRA 611 ( a ) ( 7 ) required, Written proof that you forwarded all the relevant information in my earlier disputes tr creditor. FCRA 611 ( a ) ( 2 ) ( B )
Product: Credit reporting, credit repair services, or other personal consumer reports

# XXXX, has violated my rights.

15 USC 1681 Section 602 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 a account without my written instructions. 
XXXX 15 USC 1666B : A creditor may no treat a payment on a credit card XXXX account under an open end consumer credit plan as late for XXXX XXXX XXXX XXXX XXXX