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

I am filling 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 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: Debt collection

Regarding COMPLAINT ID XXXX, the issue remains unresolved as I have yet to receive any statement or evidence verifying the existence of the debt. The original letter I received stated that " XXXX XXXX XXXX XXXX  '' does not appear to exist. If Wakefield can not provide any company information or furnish a bill statement to substantiate the debt claim, I kindly request that all further calls and mailings cease, as they are causing unnecessary disturbance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. Equifax first learned of this hack on XXXX XXXX 2017. 

Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for the consumer to have deal with.
Product: Student loan

for 4 yrs straight they garnished my full tax refunds from XXXX ( each yr i was getting back over {$4000.00} ) and years after partially garnished. 
I am still getting mails about a balance am owing and I was making payments biwkly in XXXX and XXXX.Now when I logged on to website is showing all of a sudden I have a zero balance.
Product: Payday loan

I am having problems with a payday loan. Yes, I took out the loan over a period of three years and paid an enormous amount of interest and loan fees. I have been threatened with felony charges for a check you have to leave them until the loan is paid back. I ran into financial problems and moved away from XXXX XXXX, Texas. The collection department told me I needed to come up with {$970.00} or a warrant would be issued for my arrest. I asked them if I could pay it out, and she told me I needed to pay {$240.00} for 4 months. I told her I was already in a financial pinch and that would be too much, but she said she could n't change that payment. I hung up the phone and did n't call her back.. Advance America is the payday loan company. In three years, I have paid them XXXX dollars, mostly interest and fees. The name of the bank I used was XXXX, XXXX. I really need to know what you can do to help me. Being a XXXX veteran and my wife is XXXX and ca n't work, it has been really hard on both of us. They are charging us for monies owed and checks returned for NSF. Thank you so much for your help, and if you need a copy of our hardships, I have the past 12 years recorded in a hardship letter. With our family, it became borrowing from XXXX to pay XXXX. Presently, my wife is overwhelmed with doctor treatments and more payments ; besides owing over {$200000.00} to restitutions and college loans.
Product: Debt collection

First Progress Credit Card. This account is closed and paid in full. I disputed the account through XXXX asking them to remove the account from my credit report because it is having and adverse affect on my credit scores. I received a message saying they verified the information was accurate. I was not disputing any inaccuracies I simply wanted the account removed because its old and closed and I have no desire to ever open another credit account with them therefore I would have liked for them to remove this information from my account.
Product: Credit reporting or other personal consumer reports

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617.

This is the third time Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter, as well as copies of the three written letters, sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite several prior written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 
XXXX XXXX XXXX # XXXX You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide a method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that can not be verified. The law is very clear as to the Civil liability, and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this mater to enforce my rights under the FCRA
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX Balance : {$25000.00} ; DEPT OF EDXXXX XXXX XXXX : {$6500.00} ; DEPT OF EDXXXX XXXX XXXX : {$3400.00} ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I look at my Credit Report and i see unauthorized inquiries on my report from XX/XX/ 2021. I did not authorize XXXX XXXX XXXX XXXX, global lending service or XXXX motor acceptance to look at my credit report i dont have any accounts with those companies i have sent letters to experian and the companies asking them to remove the inquiries
Product: Credit reporting or other personal consumer reports

In XXXX of 2013 I was in a relationship with a woman that I believe stole my information to open two personal car loans without my consent and has now been reported on my credit profile. Due to this being a fraudulent claim I would like for this to be removed immediately. There was also a student loan opened in my name fraudulently that I did not give permission to open for a XXXX XXXX that I never attended. There was also a credit inquiry made in my name without my permission fraudulently. I would like for all of this to be removed immediately. 
ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Product: Checking or savings account

I opened an XXXX XXXX XXXX XXXXXXXX XXXX account with PNC around mid of XX/XX/XXXX. There was a XXXX of {$400.00} when you establish total qualifying direct deposits of {$5000.00} or more to the Spend account. 

On XX/XX/XXXX, there was a DIRECT DEPOSIT from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unemployment account of {$4700.00}. Then other DIRECT DEPOSITS from my employer on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX totaling {$4200.00}. Clearly, it shows that I am well beyond the {$5000.00} deposit requirement PNC is requiring. 

However, after a phone call on XX/XX/XXXX with a rep from PNC, I was informed that the {$4700.00} DIRECT DEPOSIT from my XXXX XXXX XXXX Unemployment account won't count towards the bonus. 

In XXXX, one can't ask the XXXX, the Unemployment agency, to deposit the funds into any random Checking account. Funds are dispensed into an XXXX XXXX XXXX XXXX  account, and from there, it can be transferred to any personal checking/savings accounts. 

Now, PNC doesn't want to recognize the DIRECT DEPOSIT transfer that was made from my Unemployment account as a LEGIT DIRECT DEPOSIT so I can qualify for the {$400.00} Promo. 

These are all very misleading tactics orchestrated by PNC as their fine print shows that a direct deposit from an employer or an outside agency ( Social security, payroll, benefits, etc... ) will suffice as a requirement for their {$400.00} bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I submit in writing a request challenging the validity of these alleged bankruptcy SageStream have listed on my reports. I recently Challenged this same account with the credit bureaus, and they came back stating that they have verified this account with SageStream. I have gone to the courthouse, and they have also stated they did NOT verify this information. Please send me whatever documents of information you have personally used to verify this alleged bankruptcy, immediately. If you can not produce such documents this bankruptcy needs to be removed from my file as it is defaming my character as well as update the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX # XXXX is being incorrectly report as late for the past 8 months.
Product: Mortgage

I refinanced my VA home loan through XXXX XXXX  XXXX  in XXXX of XXXX. The mortgage was eventually transferred to Freedom Mortgage. XXXX underpaid my escrow account while I was with them, even though I e-mailed and called my lender to tell him his escrow estimate was not enough before the loan was finalized. He assured me his numbers were right, even though I pulled my information from the county website. Needless to say, around XXXX of XXXX after Freedom Mortgage had acquired my loan, my Monthly mortgage shot up around {$300.00} a month over the span of 2 years because of the escrow mistake. Being the only person working in my family at the time, it put us in a hardship situation, My savings was slowly depleted and I couldnt keep up on payments anymore. On top of that, after struggling with the payments and foreclore looming, my wife who was a stay at home mom was forced to go back to work in the evenings as soon as I got home from work. 

The missed mortgage payments hurt my credit score and impacted my family. I Feel that I was lied to by XXXXXXXX XXXX XXXX, as the property tax information was readily available on the county website website. So for them to get the numbers wrong even after I brought it to their attention was very upsetting.
Product: Vehicle loan or lease

I feel they should be removed from my credit report. The information is being reported and accurately as my last payment was made in XX/XX/XXXX not XX/XX/year>! Theyve also never charged for excessive mileage wear or tear or damage. I am a past employee of the company and I feel this is a personal attack at me charging me for the excessive mileage and where tear and damage.
Product: Debt collection

XXXX XXXX THIS ISNT MY ACCOUNT, NOR DID I EVER PURCHASE ANYTHING FROM THIS COMPANY. IT IS BEING REPORTED TWICE ON MY CREDIT REPORT. THIS IS EFFECTING MY CREDIT SCORE I AM IN THE PROCESS OF REBUILDING MY CREDIT, AND THIS IS A NEGATIVE IMPACT ON MY REPORT. I HAVE ATTACHED POLICE REPORT AND CREDIT REPORT
Product: Credit card or prepaid card

I have An Amazon credit store card issued by SYNCHRONY BANK FDIC. for about 5 years. The Bank gave me a bill due date on the first of every month. I receive a pension on the first of every month. No problem I thought. The first of any given month sometimes fall on a Saturday or a Sunday even a Monday Holiday. I TOLD THEM My funds a not deposited until the next business day. IS THAT A PROBLEM? AS LONG AS ITS PAID ON THE NEXT BUSINESS DAY. No problem I have been paying my Amazon card on the first of the month but no funds will be transfer until the next business day. I get a message when I pay my bill. It says paid on the first no late fee charged. sounds normal. My Mortgage lender does the same. its a norm in the banking world I thought. I explained this to Synchrony bank and they said there is no grace period. I told them why do the tell me I paid on the first no late fees and they charge me anyway? the customer service Rep just kept on saying there is no grace period. Deceptive practices. I have no control when the first of the month falls on the weekend. NOW they tell me I can move the bill due date to the XXXX every month ONLY after I asked. They assigned me the XXXX of the month to pay the bill. I had no choice.They did not aske me if this was ok and mention that there is no grace period and offer a later due date just incase since I am on a fixed income. I am sure they are reporting late payment to the credit borough. PLEASE HELP. THANK YOU XXXX XXXX
Product: Credit reporting or other personal consumer reports

JPMCB CARD SERVICES Made a hard inquiry on XX/XX/year>. This was not authorized by me.
Product: Credit reporting or other personal consumer reports

Request for Blocking and Deletion of Fraudulent & Inaccurate Accounts under 15 USC 1681c-2 ( a ) / XXXX XXXX XXXX XXXX # XXXX To Whom it may concern, I am writing to formally notify XXXX, Experian, and XXXX, XXXX my status as a data breach victim, which has led to fraudulent accounts being opened in my name without my authorization. Under the Fair Credit Reporting Act, specifically, 15 USC 1681c-2 ( a ), as the following fraudulent accounts are crippling and damaging my consumer reports, as I do not recognize them. Regardless of any verification the furnishing companies submit via XXXX ; I request that you block and delete all accounts associated with this fraudulent activity from my credit report with in 4 business days. Accounts listed below. 

XXXX XXXX LATE PAYMENTS Credit usage - % credit usage unavailable Balance - Balance updated - Credit limit {$500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Charge Card Payment summary XXXX XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX - PAYMENT HISTORY LEGEND Status Paid, Closed. 

Status updated XX/XX/XXXX Highest balance XXXX XXXX Monthly payment - Last payment date XX/XX/XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details 58 % paid off Balance {$640.00} Balance updated XX/XX/XXXX Original balance {$1500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Unsecured Payment summary XXXX XXXX XX/XX/XXXX - 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 PAYMENT HISTORY LEGEND Status Account charged off. {$640.00} written off. {$640.00} past due as of XX/XX/XXXX. 

Status updated XX/XX/XXXX XXXX due amount {$640.00} Original balance {$1500.00} Monthly payment - Last payment date XX/XX/XXXX 2023
Product: Debt collection

I am being contacted by a company by the name of XXXX XXXX XXXX  XXXX located at XXXX XXXX XXXX. XXXX XXXX or XXXX XXXX DE XXXX I have attached several letters of this act. 
they are attempting to collect on an account that is over XXXX years old, they are representing 5th 3rd Bank saying l left an overdraft fee totaling {$1100.00}. 
which is false, I left 5th3rd bank due fraudulent overdraft fees as 5th3rd was sued for just that act. XXXX XXXX XXXX  XXXX is connected to 5th3rd in an illegal and scam to gain revenue illegally. I received information from 5th3rd which I have attached for you to view. When you read the letter from 5th3rd along with the other information concerning the law suit they quickly sold these fraudulent accounts prior to the ruling of the class action lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two unresolved, unauthorized inquiries on my credit profile with Equifax. 

I have reached out to each company requesting that these unauthorize inquiries be removed from my credit profile. As of to date, these unauthorized inquiries remain in my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I was XXXX  and was put on XXXX due to being XXXX XXXX XXXX. My payments failed behind due to lack of work with my XXXX. I had my son in XX/XX/XXXX. I called in XX/XX/XXXX to get my account back in good standing. So I only had late payments from XX/XX/XXXX - XX/XX/XXXX. I went back to work in XX/XX/XXXX but then Covid hit in XXXX of XXXX and I still made payments on time during Covid. 

I was making on time payments and using the card after XX/XX/XXXX. I tried to use my card in XXXX of XXXX and the card was declined. I didn't know my account was closed in XX/XX/XXXX. Since then the company has been reporting my account with current late payments. I have called and asked why was my account close and the only thing I received was a copy of my credit score. The letter did not tell me why my account was closed. This company is affecting my credit report with these late payments. I have asked to speak with a supervisor and they said they can not put a supervisor or manager on the phone. I spoke with a rep on XX/XX/XXXX and she stated if I made a payment the account would be reopen and the account is still closed. 

I can not access my account or do anything. Why is the company reporting recent late payments on a card that has been charged off? Its bad enough people have to deal with the issues with Covid19 and then the company is making your credit look bad by reporting inaccurate information. 

Company : XXXX XXXX XXXX/My XXXX XXXX XXXX Credit Card XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continueS to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to Experian on XX/XX/2022, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 


XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Hello, a little over a Week ago I applied for XXXX XXXX and was approved for {$32000.00} credit limit. I was trying to purchase a device for $ XXXXand all went though just. A day later I was checking my order to find out it was declined. I called the bank and was notified everything Was OK on their end and nothing is wrong with my account, and they haven't seen any activity from XXXX. I called XXXX and was advised to cancel the order and re order again. I did has was advised to get the same results again. This been going on for 10 days and was asked to do it over and over again with the sane results and no one is willing to fix the problem. I feel that now, I've used my good credit to apply to a service I can't even use, and in result, it might effect my credit. 

I ask of you to help us fix the problem. I see that it is an on going problem for several months now and lots of people are complaining about the same issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

These fraudulent accounts are reporting on my credit report CREDIT COLL XXXX CREDIT COL XXXX CREDIT COLL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX