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

I am filing a complaint against Cash App ( BLOCK , INC ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ), Specifically Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with errors 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 readdress for these violations. All monies reported to be returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear President Office of US Bank : U.S Bancorp Center XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Last XXXX : XXXX Date XX/XX/XXXX You stated that I owe an alleged debt to US Bank account XXXX XXXX I would like U.S Bancorp to validate this debt under the USC, UCC, FCRA, FDCPA. I am requesting validation of debt request of U.S Code 1692. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 2 ) a copy of an identity theft report. Please provide the following documentation for the alleged debt to US Bank starting in XXXX. Under my God- giving rights please send me a sworn affidavit statement stating US Bank still has the original signed contract with my two wet signatures under penalties of perjury in reference to my rights under the UCC Code 3-308. Please also send me a copy of the commerce banking note to this alleged debt. Please also send a certified contract not a photocopy of this alleged debt. Please also send a true bill. A true bill the written decision of a grand jury ( signed by the grand jury foreperson ) that it has heard sufficient evidence from the prosecution to believe that an accused person probably committed a crime and should be indicted. Thus, the indictment is sent to the court. Please also send a lawful contract signed by both parties which makes it binding between both parties have given substance according to the contract law of 1872. Please send all validations of debt and paperwork linked to the alleged account from the alleged creditor. Please certify in a sworn affidavit under the penalties of perjury and color able law that all states of rebuttal to this sworn are true and correct to the best of your ability with your signed signature. Please also send me a copy of this sworn affidavit via receipt of this letter. Please respond in 10 days of this a latter will become a binding agreement according to contract law. Furthermore, I will have to opportunity to cue in place a judgment on this company. If you fail to respond I am going to presume the debt isnt true in the first place. I am respectfully requesting this account be deleted and removed from my credit profile sense it is ruining my credit worthiness and my ultimate pursuit of happiness under the United Stated Constitution. To deny the procedure to discharge public debt is fraud, conspiracy, racketeering, collusion, theft of public funds and a dishonor in commerce according to the UCC Code.

I am exercising my God for saking right this account must be deleted from my credit profile on all 3 bureaus immediately or I will pursue legal action.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent letters to XXXX, TransUnion, and XXXX because they violated multiple provisions of the Fair Credit Reporting Act ( FCRA ). I wish to opt out of their reporting services unless prior notice is provided to me. Despite my charged-off accounts being settled, these accounts should be marked as " paid as agreed, '' as a charge-off is considered a certificate of indebtedness and should be treated as income rather than an " owed debt. '' Under 15 USC 1681 section 602 ( a ), consumer reporting agencies are required to handle their responsibilities with fairness, impartiality, and respect for consumer privacy, yet these agencies have failed to uphold this obligation. My right to ensure that my personal information is not shared without my consent is protected by 15 USC 6801, which mandates that financial institutions respect customer privacy. The creditors listed on my credit report, as furnishers of information, must adhere to these legal obligations. Additionally, under 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies are only authorized to furnish reports in accordance with the written instructions of the consumer. However, I did not grant consent to XXXX, XXXX, or TransUnion to furnish my information, and I have revoked any prior consent, whether verbal, non-verbal, written, or implied, effective immediately. Furthermore, 15 USC 6802 ( b ) ( c ) prohibits financial institutions from disclosing nonpublic personal information to nonaffiliated third parties without informing the consumer of their right to opt-out, a right I was never informed of. It is also illegal to report transaction history, and I request that all my accountspast, present, and futurebe reported as " paid as agreed '' on my credit report. I am seeking compensation for the erroneous reports sent by these agencies, with {$100.00} for each inaccurate report that led to companies reaching inaccurate conclusions. To date, XXXX has sent approximately XXXX inaccurate reports, TransUnion has sent approximately XXXX, and XXXX has sent XXXX. Additionally, I am entitled to {$1000.00} per violation of my rights. I am opting out of all reporting services that disclose information to nonaffiliated third parties without my consent, and I expect a privacy notice before any additional information is furnished on my consumer report. Lastly, I request confirmation of the corrections made regarding any inaccuracies from their records, including all charged-off accounts being tagged as " paid as agreed. '' Under 15 USC 1681n, any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable for actual damages or damages of not less than {$100.00} and not more than {$1000.00}. If I can prove that these agencies willfully violated the act, I am entitled to at least {$1000.00} per violation plus any other damages sustained as a result of their failure to follow the law. Since this isn't the first time I am complaining, willful noncompliance can easily be demonstrated as they were fully aware of the violations after being informed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX flagged a collection account on XX/XX/2021 for {$980.00} for original creditor XXXX. The amount was paid in full on XX/XX/XXXX. Please see see attached correspondence from both XXXX and XXXX XXXX XXXX that account is paid in full and closed.
Product: Money transfer, virtual currency, or money service

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Venmo regarding the denial of our claim for the incomplete and substandard work done by XXXX XXXX XXXX ( XXXX XXXX ) on our property. We paid XXXX XXXX XXXX ( XXXX XXXX ) a total of {$15000.00} for electrical, window framing, painting, and plumbing work. Unfortunately, the work was incomplete, substandard, and in some cases, dangerous. 

Despite repeated attempts to communicate with XXXX XXXX XXXX ( XXXX XXXX ), they have not responded to our calls, emails, or texts. We also discovered that the electrical work done by XXXX XXXX XXXX ( XXXX XXXX ) is not up to code and poses a significant safety risk. We have contacted another licensed professional who assessed the electrical work and confirmed that none of the work is up to code. 

Additionally, we can not find any information about XXXX XXXX XXXX ( XXXX XXXX ) 's license number that they stated on the contracts we have signed. We have contacted the Nevada Contractor License Board to confirm and find their information, but they can not find it either. XXXX XXXX XXXX ( XXXX XXXX ) also failed to complete the work within the agreed-upon time frame, which constitutes a breach of contract. 

We filed a dispute with Venmo, but our claim was denied unfairly without a proper review of the facts. We have attached picture evidence, text message proof, and signed contracts detailing the following : work not completed per signed contracts, dangerous framing work that needs to be entirely redone to bring up to code, dangerous electrical work that needs to be entirely redone to bring up to code, and the fact that XXXX XXXX XXXX ( XXXX XXXX ) lied about being a licensed XXXX. 

We are requesting that the CFPB investigate XXXX XXXX XXXX ( XXXX XXXX ) 's business practices and take appropriate action to protect consumers from their fraudulent behavior. We also request that you assist us in resolving this dispute with Venmo and obtaining a refund for the work that was not completed or done in a substandard manner. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX  complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting

Account balance has not been updated by Trans Union since XX/XX/2016.
Product: Credit card

A fraudulent credit card application was made using my information. I received alerts from XXXX XXXX. I called XXXX to confirm the fraudulent activity and called the bank to let them know, too. 

Alert Type : Inquiry Alert Sub Type : New Inquiry Source : XXXX Alert Date : XX/XX/year> Inquiry Date : XX/XX/year> Name XXXX XXXX XXXX XXXX  Phone : ( XXXX ) XXXX Business Type : XXXX XXXX Address : XXXX XXXX XXXX City : XXXX XXXX XXXX XXXX : UT Zip : XXXX
Product: Credit card

On XX/XX/year> and XX/XX/year>, my grandson unknowingly used my credit card to make unauthorized purchases on XXXX totaling {$1300.00}. I disputed the charges, closed my card and filed a police report. The bank has denied my request for credit.
Product: Debt collection

Credit Control Corporation submitted an incorrect balance to my credit report in the amount of {$7200.00}. When the dispute was resolved, I called on XX/XX/2020 to set up a payment plan. I was then told by the representative that the notes on my account were not fully updated and she did not want to take a payment. She asked me to call back in 1 week. I asked her to add notes to my account with details on our conversation so my account would not be flagged for collection and she indicated she had done so. I called back on XX/XX/2020 and made a {$50.00} payment to my account. I was told I would receive a statement in the mail and could make payments every month until the balance is paid. On XX/XX/2020 I received an alert that a collection was placed on my credit report ( again ) by Credit Control Corporation for {$2900.00} despite having set up a payment plan and submitting the first payment. I called supervisor XXXX XXXX on XX/XX/2020 and XX/XX/2020. I left voicemail messages both times regarding my account and have not received a call back.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my TRANSUNION credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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

On XX/XX/year> I called Equifax Information Services, LLC to remove the XXXX XXXX XXXX XXXX XXXX account from my credit report. the Last four digits of the account number is XXXX with a past due balance showing of XXXX dollars. I wanted them to remove and block XXXX XXXX from reporting because I am the victim of identity theft and fraud. The supervisor refused to do so and got smart with me over the phone last night around XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

So the previous complaint I filed with JPay. I received a call from a 800 number. And clearly they know that the phone companies block numbers that are scams likely. They are aware of this because this is one of the problems with them. So naturally I missed the call. XXXX from corporate leaves me yet another 800. Number to call her back on. In which is the customer service number that has no way of even contacting any one in corporate. The supervisor XXXX clearly told me there is nothing he can do and he has no way to contact them other then an email. XXXX XXXX also stated she would be five if me a call back this morning. It is XXXX no call. I have tried time and time again to contact them. I have played by all their rules. I have invested over XXXX with them. And I am not even able to communicate with them. But I guess that's what happens when the CEO is in federal prison for all of this,
Product: Credit reporting or other personal consumer reports

I made a payment back in XXXX for the full balance of the card, and never received a notice of any other payment. Ulta/Comenity charged a XXXX $ fee, and I was never notified until I saw the account was delinquent because Im in the middle of purchasing a home. This delinquent hit is negatively affecting my score, and I would like this updated.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax for what I believe to be multiple violations of the Fair Credit Reporting Act ( FCRA ) and related privacy laws. As a consumer with rights protected under federal law, I am formally opting out of any and all authorizationswhether written, verbal, or otherwise impliedthat I may have previously provided to Equifax, as is my right under 15 U.S.C. 6802. 

The FCRA, specifically under 15 U.S.C. 1681b, outlines the permissible purposes for which a consumer reporting agency may furnish credit reports. This section requires that I provide explicit written consent before my credit report can be released. Furthermore, 15 U.S.C. 6802 ( b ) states that my personal information can only be furnished if I am given a clear and conspicuous opportunity to opt out, which was not provided by the financial institutions listed on my credit report. 

Additionally, pursuant to the privacy regulations found in 16 CFR Part 313, notably 313.1 and 313.7, I should have been provided a form of opt-out notice, as well as a continuing right to opt out of such disclosures. Equifax, as a non-affiliated third party, should not possess or disseminate my personal information without my explicit consent. 

The inaccuracies present on my credit report, which I have detailed and circled in the attachments accompanying this complaint, include but are not limited to dates, amounts, and account statuses. Each financial institution that has reported to Equifax has assured me through their privacy notice terms and conditions that my information would not be shared with third-party companies, yet it appears that this has not been the case. 

I am aware that the FCRA provides for statutory damages of up to {$1000.00} per violation, as well as the potential for punitive damages and the recovery of attorney 's fees and costs for willful noncompliance ( 15 U.S.C. 1681n ).
Product: Credit card or prepaid card

Charge Date : XX/XX/2021 Amounts : {$2500.00} Actions : On XX/XX/2021 I was charged for {$2500.00} again for a purchase that I made on XX/XX/202. This purchase was returned, processed, and refunded by XXXX on XX/XX/XXXX according to XXXX return confirmation and my credit card statement for XX/XX/2021 as attached. I am writing this complaint because 2 weeks after my refund was posted on my credit card statement, I was charged again for the same exact amount of {$250000.00} on XX/XX/2021. I reached out to my credit card bank immediately and submit a dispute. Unfortunately, earlier this week I was told that I am responsible for this 2nd charge by the merchant XXXX and they were unable to help me. I have reached out to XXXX multiple times regarding this 2nd charge for the same exact amount and they have no idea why that happens. 

Below are my attachments for XXXX and XXXX of 2021 respectively credit card statements which are highlighted for the following : 1 ) A purchase of {$2500.00} was made on XX/XX/2021 per XXXX statement 2 ) A refund in the amount of {$2500.00} was posted on XX/XX/XXXX per XXXX Statement 3 ) A second charge for the exact same amount of {$2500.00} was charged and posted on XX/XX/XXXX per XXXX Statement. 
4 ) Email refund confirmation from XXXX on XX/XX/XXXX that {$2500.00} was received, processed, and refunded to consolidate with the XXXX statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following companies have violated my rights as a consumer. 
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXo XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX 15 USC 1681 section 602 A states I have the right to privacy. 
15 USC 1681 section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me to have anything written on my credit report and I never gave authorization for that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Corporate entities need to be stripped of power involving credit report systems. I, and millions of others are straight fed up with their scandalous ways. Paying off debt SHOULD NOT make your credit score go down by 67 points, the whole system is XXXX.
Product: Credit reporting or other personal consumer reports

Experian has the wrong name and address on my credit repor. This is harming my XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with the representative at Capital One about my first CFPB complaint. Their response : " On XX/XX/2019, we sent a request to the CRAs, asking them to report the authorized user XXXX XXXX on your account. The confirmation number for this request is XXXX. Please note it may take up to 60 days for the agencies to update their records and they have their own internal guidelines on what information they choose to report on a customers credit file. '' After contacting them towards the end of the 60 day mark with no resolution to the origin problem, they informed me to resubmit a complaint because they don't know why the original request didn't fix the issue.
Product: Student loan

I was approved through a program called XXXX program that grant or dissolve student loan debt if you are XXXX. I was approved on XX/XX/2014. So, they sent a XXXX to file for the debt but I also file bankruptcy in the same month. Now since I disputed my concerns with Department of Education/Nelnet they are putting negative information on my credit report because I have received several credit alerts were they are saying I am 120 days late. They should been paid through the XXXX program but now they are sending negative remarks to my credit report. I would like to have this investigated and if they are wrong I would like to have all Nelnet accounts deleted from my credit report immediately. I received a total of XXXX credit alerts in 4 days about this company. They are trying to hurt my credit score.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  is committing fraud by now re-aging my account. Proof is attached of their fraudulent activities. I demand this account to be removed as it violates my federally protected rights