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 ande 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 redness for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts and personal information that are showing on my credit report that are not mine. I've called, written letters and etc and still no solution to this problem.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX AV XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX XXXX XXXX XXXX {$4300.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX  Balance : {$0.00} 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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX
Product: Mortgage

my mortage was sold by First American Mortage Trust and i never received the servicing transfer notice.
Product: Credit reporting or other personal consumer reports

XXXX at XXXXrent recovering solutions is reporting inaccurate information stating that I owe {$3000.00} to the apartment complex which is false. It is also stating that the collection was opened XX/XX/, which is inaccurate also. I am requesting that this collection be removed from my credit report if they can not give me the proof that I owe and that it was open in XX/XX/.
Product: Checking or savings account

Ive contacted Chime multiple times the agent updated my phone number wrong so now I have no access to my account without a valid ID and a selfie. I gave them an expired drivers license because my wallet was stolen. I have no access to any of my money, I am currently being evicted have no electricity in the middle of the summer, I have tried multiple times to have access to my account. They hang up in my face and laugh like its a joke they put an ATO on my account. Someone had access to my card which was replaced so now I have no access to any of my money I am on XXXX and its not fair that I can not access my money. I have verified everything that they wanted me to and with my expired license they told me they couldnt accept it. Absolutely ridiculous when theyve made a silly little mistake upon their behalf updating my phone number wrong by the area code, and the agent actually told me they put a ATO on the account dont ever use Chime!
Product: Credit reporting or other personal consumer reports

I have previously requested investigation and re-investigation This account was charged off on the following date ( XXXXXXXX XXXX  ) since then the account has repeatedly been updated as a charge off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account. 

Account name XXXXXXXX XXXX  XXXX XXXX Account number XXXX
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 
ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX  Account number - XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Account number XXXX {$930.00} XXXX Original creditor : XXXX XXXX XXXX XXXX Account number XXXX - {$1300.00} INQURIES XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date Sep 2026 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my 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 than Records of convictions of crimes which antedates the report by more than seven 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 in accurate. 

15 U.S.C 1681 C-2 15 U.S.C 1692g 15 U.S.C 1681IS-2 15 U.S.C 1681i 15 U.S.C 1681b 15 U.S.C 1681i 15 USC 1681b - 15 U.S.C 1681IS-2 15 U.S.C 1692g 15 U.S.C 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e-
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX STARTED REPORTING A {$710.00} COLLECTION AMOUNT THAT IS NOT OWED TO THEM. I BOUGHT A CAR THROUGH THEM AND COMPLETELY PAID THE LOAN IN FULL AND THEY HAVE NEVER SENT ME A NOTICE ABOUT OWING {$710.00} DOLLARS AND I WOULD LIKE TO HAVE THE ACCOUNT REMOVED FOR INACCURATE INFORMATION Installment Installment Account Number : XXXX Payment Responsibility : Individual Individual Date Opened : XX/XX/XXXX XX/XX/XXXX Balance Date : XX/XX/XXXX XX/XX/XXXX Balance Amount : {$710.00} $ XXXX   Monthly Payment : Collection Collection Past Due Amount : {$710.00} {$710.00} Comments : LAST REPORTED DELINQUENCIES : XX/XX/XXXX=I5,XX/XX/XXXX=I4,XX/XX/XXXX=I4 CHARGED OFF ACCOUNT AUTO ACCOUNT CHARGED TO PROFIT AND LOSS
Product: Bank account or service

citi bank bought my best buy credit card debt. I called because i dont live in the US anymore and didnt have access to my mail. They said that it was imposible for me to get my statements, but i was worried because i had a promotion with best buy and didnt know when it will expire, rep told me that i still had time and gave me a wrong date, next thing instead of owing {$200.00} dollars that i had left I owed {$1000.00} and debt still growing. STILL not receiving statements and account was closed so very hard to get info on the account.
Product: Debt collection

Scott & Associates has obtained an old debt for a car loan. The debt is past the statues of limitations in Pennsylvania. They are going to try and take unfair tactics to collect on something that is not collectable in Pennsylvania, The debt is over XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Around the beginning of XX/XX/2024 Zelle XXXX owned by Early Warning Systems Inc, Suspended my Zelle profile with every financial institution. There was no reason or explanation as to why my Zelle Profile was Disabled with my Banking institutions. After further investigation it it appear that XXXX XXXX  opened fraudulent account 's a Money Market, Savings, and Checking. XXXX XXXX  also opened an online banking profile, and Zelle Profile. I called XXXX over 15 Times, and Advised them. First of all I have never applied for any of the account 's listed above, I have never signed any applications and these were fraudulent account 's. I have asked XXXX to Deactivate the Zelle profile as It was opened as part of Identity Theft, XXXX refuses to deactivate the profile and said they are investigating it. Meanwhile, XXXX reported FALSE information to Early Warning stating that I may have used Zelle for a fraudulent transaction or for illegal purposes. Which means you may have used it for Money Laundering, Or If one of the Zelle transactions has been used for Gambling Purposes, Or If a Zelle Transaction has been used for a scam or if it has been reported as Fraud by the receivers bank for any transaction sent. None of this has occurred. I never have disputed any Zelle Transactions, I have never used my Zelle for any Illegal Purposes, Nor have I violated any Zelle Terms or Conditions. I only use Zelle for paying my family for Tips or splitting the bill if we are out to eat. I do not send ZELLE to anyone I do not know, and nor have I ever disputed any Zelle charge. Fraud nor Dispute. Yet due to Discovers INACCURATE LIES And reporting, Early Warning Systems put a suspension on my Zelle Profile globally, Like a Black list of sort. This is causing me Financial HARM. Again, I have never disputed a single zelle charge, and I have never used it fraudulently. XXXX is my actual bank and it was disabled. XXXX says they can not assist me, Because they did not report any information about me to Zelle. XXXX Did, I am now requesting A Dispute to the reported information from XXXX. I want my Zelle Profile Reinstated with Zelle. I am submitting my Dispute to the reported information. This information that was reported from XXXX Is false and Inaccurate, and It has caused Zelle to take a Global approach to Suspend me as a customer based on false pretenses. I am a victim of Identity Fraud, and I did not committ any fraud against Zelle. I did not use Zelle to infringe upon any of their terms and conditions either, and I have never used zelle for a fraudulent purpose. I read the terms and conditions and I want to be removed from the false reporting by XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Today, I am writing this complaint to U S BANK regarding the incorrect information on my accounts. I sent them a letter requesting for investigation of those accounts mentioned, they took more than 30 days to complete and they stated that they have completed the investigation. However when I pull my recent report I don't see any changes made at all. They claimed that they verified the information but how come that it is verified when the date of last activity, date opened, date of last report. payment history and status are inaccurate? This is not right. I understand my rights under 15 U.S.C 1681 section 602 A which states that I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2, which also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

Scam text was sent to me and reads as follows : U SAA ALERT : Suspicious activity has been detected on your card. Verify recent transaction at XXXX XXXX XXXX to secure your account.
Product: Mortgage

wells fargo has not reported correct information. My credit scores still read that I have not made a single payment since 2008. Wells fargo has been contacted in the past by XXXX XXXX about the payments. She is the other member of the JOINT ACCOUNT. SHE HAS ALREADY SUPPLIED ALL THE PAYMENTS FOR THE PAST 5 YEARS. Wells Fargo has yet to update my information. I have recived a useless phone call from a useless person who refused to go over information and was more worried about verifying information. It is now at the point where the mortgage has been transfer to bay view loans with incorrect information.
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 XXXXXXXX has violated my rights. Or list of inquiries 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 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 than records of convictions of crimes which antedates the report by more than seven 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.
Product: Credit reporting or other personal consumer reports

I DO NOT LIKE SEEING SOME HARD INQUIRIES ON MY CREDIT REPORT ; PLEASE REMOVE THIS IMMEDIATELY.
Product: Student loan

Hello, I have been in touch with XXXX on several occasions in regards to repaying my student loans. When I contacted a Consolidation Representative on XX/XX/18, I was informed that my loans were eligible for REPAYE, especially since I am a XXXX XXXX XXXX. I was quoted a repayment amount of {$740.00} for the entire amount that I owe, including Parent Plus loans. I received correspondence from them not too long ago indicating my monthly payments were over {$1800.00}. I called to find out why yesterday. The first representative I spoke to in the early afternoon told me that since I included my parent plus loans in the consolidation, I was ineligible for REPAYE. He offered that the loans could be reviewed and that I could combine mine with my husband 's which would result in a lower payment. My husband contacted XXXX later in the day and was told that this was not possible. I called last night and it being not possible was confirmed by a Supervisor. I was told it can be reviewed since it affects our income and there was a possibility it would change my monthly payments but probably not by much. I was informed during both phone calls that an another option would be to file my taxes separately but can't understand why this was mentioned to me at such a late date. Please keep in mind that I have been contacting XXXX in regards to my extremely high debt since XXXX. The repayment plan they assigned me basically is 20 % of mine and my husband 's income and takes no consideration into our bills, his student loan payments, etc. They advertise options to help people who have difficulty paying but to date it appears the only options are to defer which only incurs more interest and debt.
Product: Credit card or prepaid card

XXXX Opened XXXX credit card to receive discount on XXXX purchase. 
XXXX received statement saying I am late and there was late fee on top of my XXXX bill. 
Immediately went online activated card, paid balance in full, then contacted them saying I never received first bill and requested late fee credit which they did do. I received emailed payment confirmation showing bill paid in full with checking account ending in XXXX. 
XXXX received letter in mail saying my payment was returned and i was now XXXX in fees on top of my XXXX bill. I immediately went online paying bill with same bank account ending in XXXX in full minus XXXX in fees because there was plenty of money in account to cover the XXXX payment. I also closed my account at that time time because I felt this is a shady credit card, that is trying to scam me because they didnt send me the first bill charging me a late fee, then they returned my payment when there was plenty of money to cover my payment. 
Over the course of the next couple weeks kept calling them trying to get the returned check fee credited because that was an error finally I was told to reach out to bank XXXX  they were at fault which bank told me it was never presented for payment. 
XX/XX/XXXX XXXX As requested submitted proof of money in account which I submitted both my XXXX and XXXX bank statements, along with both the XX/XX/XXXX and XXXX payment confirmation showing bank account ending in XXXX and XX/XX/2022 account activation email. 
XXXX XXXX received email from Comenity Bank at 6 XXXX saying info received and forwarded to correct dept. 
XXXX XXXX even though I was told on phone that disputed amount dont require payment I still responded to that XX/XX/XXXX email asking that all is left on account is disputed fees, do I have to pay them to avoid more fees BC I dont want anymore fees or this effecting my credit score. I was told disputed amounts dont have to get paid. 
XX/XX/XXXX I received letter in mail saying I am a valued customer and to call them as soon as possible to resolve my issue. I called immediately and while waiting to get connected a recording told me my balance is now XXXX which is another late fee and not only that after asking for supervisor the senior acct specialist told me he can only remove the latest late fee which is the fee I got for not paying the disputed amount before the due date which is such a scam. 
Why did they tell me to call asap to resolve this only to be told my original dispute is no even though my bank statements show money to cover item and its an error. They said bank account number is one number different. They already knew that when they told me to send bank statement showing money in account. They did that to tack on another fee. This company is so shady.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have put a fraud alert, on my credit report. I have inquiries on my credit report for, accounts, that I don't have. Never applied for and I never authorized, to have my credit pulled. 

XXXX credit bureau : XXXX XXXX credit pull on XX/XX/XXXX ( bank credit card ) XXXX XXXX XXXX XX/XX/XXXX ( finance reseller ) XXXX XXXX XX/XX/XXXX ( Auto finance ) I am XXXX XXXX and have never had a drivers license in my entire life! I do not drive. 

XXXX XXXX XX/XX/XXXX ( finance reseller ) Equifax : XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX ( bank credit card ) XXXX : XXXX XXXX XX/XX/XXXX ( bank credit card ) XXXX XX/XX/XXXX ( credit card ) I also have a address at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. This is not a address, I live at or have lived at. This is someone else 's address, not my address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and noticed that there is information reporting to my credit that does not belong to me. The following information listed in this report I have no relation to. This has hindered me to be able to build a good credit profile. Under FCRA 605B I am requesting that this information is removed from my credit report within 4 business days of receipt of this information. I have contacted each creditor and they have failed to provide me with any original documentation stating that I owe a debt to these creditor. Failure to comply will result in a litigation process against all parties involved including any agency reporting fraudulent information to my credit profile. 

The following information is fraudulent. 

XXXX XXXX XXXX Balance {$4300.00} XXXX  XXXX  XXXX Balance {$520.00} Inquiries : XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Resident Verify XXXX/XXXX/XXXX Resident Verify XX/XX/XXXX Please Mail all correspondance to XXXX XXXX Pl XXXX XXXX NC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

these banks & companies listed below obtain a hard copy of my credit reporting resulting in hard inquiries from all 3 major bureaus XXXX, XXXX and experian that i did not authorize nor did i inquire with these companies listed below about applying for any new credit cards or loans this was done fraudulent and any account associated with these inquiries are fraudulent XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX on XX/XX/2020 XXXX on XX/XX/XXXX & XX/XX/XXXX of 2020 XXXX XXXX on XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2020 XXXX XXXX on XX/XX/2020 XXXX XXXX  XXXX on XX/XX/2020 XXXX XXXX XXXX on XX/XX/2020 XXXX XXXX XXXX
Product: Credit reporting

This company continues to report incorrect information on my credit report. This account was XXXX and no longer can report on my credit file.
Product: Debt collection

Some company named LVNV ( Theyre not even on my credit report ) filed a Lawsuit against me in XXXX of this year with a Lawfirm in Michigan, I live in Ohio. Someone apparently signed my name with COV19 ( I would never sign my name in that manner ) to make the lawsuit legitimate. I only found out about the lawsuit because bankruptcy Attorneys began sending me letters informing me that I was being sued. I never received a complaint. I have no business with this company nor Lawfirm or Attorney.
Product: Debt collection

The Credit Bureau is reporting inaccurate information on JEFFERSON CAPITAL SYST. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.