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 ). Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously submitted documentation regarding Identity Theft. I have attached them again. There are accounts on my credit that do not belong to me.
Product: Credit reporting or other personal consumer reports

Never been investigated the right way I want dispute everything on my record
Product: Money transfer, virtual currency, or money service

I am moving to XXXX, VA, soon and was apartment hunting. I found an ad on XXXX for a unit so I reached out about the availability and eventually signed a lease. Since I signed a lease, I thought everything at this point was fine and legitimate, I've done this sort of apartment hunting before and never had any issues. I signed a lease on XX/XX/2021, and sent over {$1700.00} via XXXX for the security deposit and first month 's rent. On XX/XX/XXXX, I inquired when the keys would be sent to me and I was asked to pay the second month 's rent as a precaution, which didn't seem like a big deal to me, considering the keys were supposedly being sent across the country. After I sent over the second month 's rent, another {$1200.00}, my " landlord '' has gone completely silent and now I'm out of this money. Whoever I was in touch with is pretending to be the owner of the unit and is stealing someone's identity in the process. I am now out {$2900.00} and I have no way of getting it back.
Product: Student loan

XX/XX/22 Negative Acct. Balance on Commercial Student Loan ( {$560.00} ). 

XX/XX/22 : Requested a refund and was told by a MOHELA rep it would auto credit to my checking acct that was used for monthly auto payments. Should be 30- 60 days. 

XX/XX/22 : Emailed MOHELA for status update. Did not reply for months and when they did they did not address the issue but used canned language " hope your issue has been resolved. '' XX/XX/22 : Was told by MOHELA rep that MOHELA erred and sent the overpayment to XXXX ( another loan servicer ). I did not have an account with XXXX XXXX. MOHELA would not resolve and said I would have to get the funds from XXXX. 

XX/XX/22 : Contacted XXXX who said MOHELA should not have sent any funds to them since I didn't have an acct or loan with them. They noted they would have to research and if they were able to locate the funds, the funds would be returned to MOHELA rather than me. ( Note : Funds would be returned to MOHELA ( if they found them ) no later than XX/XX/22 ). 

XX/XX/22 : Was told by MOHELA rep ( supervisor ) that MOHELA erred and they should have sent funds to me ( rather than XXXX ). I shared what XXXX had indicated. Rep said funds were sent to XXXX on XX/XX/22 but would try to stop payment ( if XXXX had not dealt with the payment yet ). Rep noted Dept. of Ed had already approved those funds being returned to me so it should not take 30-60 days. Rep would request this date that MOHELA Acct. submit payment to me. Rep would keep an eye on my account and if not resolved within 60 days would contact me. I have not heard from MOHELA. 

XX/XX/22 : MOHELA Rep ( Supervisor ) said funds were still with XXXX and the ONLY option would be for MOHELA to take those funds and apply them to a new loan. She indicated this should take no longer than XXXX weeks. I indicated this solution was not acceptable but to at least begin taking steps to get the funds back from XXXX. She agreed to contact me in XXXX weeks ( a week after she said it would be resolved ) if my account had not been credited. I have not heard back. 

XX/XX/22 : Complaints filed with : XXXX ) XXXX XXXX ( Executive Director and CEO of MOHELA - XXXX ) ; XXXX ) Congressman XXXX XXXX ; XXXX XXXX Consumer Financial Protection Bureau ; and XXXX ) Dept. of Education Ombudsman Office.
Product: Credit reporting, credit repair services, 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 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 Has violated my rights 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 writing 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 items 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, credit repair services, or other personal consumer reports

On XX/XX/2023 I mailed my identity theft report to Experian requesting removal of the fraudulent items. Like angels, they perfectly followed 15 USC 1681c-2 ( a ) and deleted the information within 4 business days of receiving the identity theft report. So amazing job with that part.

Unfortunately they soon reinserted an account ( WF/Tempur 577442150138 ) without following 15 USC 1681i ( 5 ) ( B ) ( ii ) which states they must notify me with a written letter within 5 days of reinsertion.

Supposedly having done an investigative report to confirm the accuracy of this reinserted account, I have confirmed that they have not reached out to any of my family friends or acquaintances to complete an investigative report per 15 USC 1681a ( e ).

Furthermore, per 15 USC 1681b ( a ) ( 2 ), Experian needs my written expressed permission to furnish any information on my credit report.

I am simply attempting to have the correct information on my credit report. I need this to be reporting accurately. If Experian can not provide where my written expressed consent has been sent to them in reference to reporting this information AND show me where they did a thorough by-the-book investigation into this fraudulent account, Im simply asking that it be taken off like its supposed to be. It is fraudulent and it is harming my reputation. 

There is a reason Experian has recently paid millions in lawsuits for these exact issues that I am having with them. Attached is proof where the item was deleted. It has now been re-inserted without my written permission, without an actual investigation, and without a written reinsertion notification by Experian. 

I have called and gotten nowhere. I'm only asking you to follow the law and respect my reputation which you are actively harming.
Product: Credit card

I applied for a credit card with US Bank on XX/XX/2023 and got approved the same day. I never received the card, and when I called the bank I got transferred multiple times between their different departments. After I called and told them I would like to close my account. I am still waiting for a response from them to close my account.
Product: Credit reporting or other personal consumer reports

Thank you for addressing some of the inaccuracies on my credit report. However, there are still several items that need to be corrected. This is my second complaint regarding incorrect credit reporting, and I am disputing specific items on my report due to identity theft. The items in question are not associated with any purchases, services, or financial transactions I have authorized. Please remove the following erroneous entries from my credit file : EXPERIAN : XXXX XXXX XXXX Open Date : XX/XX/XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. These entries are unfamiliar to me. Additionally, the information provided on some items has been removed by other credit bureaus, raising doubts about their accuracy. The reported payment history on these accounts is also inexplicable to me. Under FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind, I request a fair resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX WAS SENT MULTIPLE LETTERS WITH MY IDENTITY THEFT REPORT INCLUDED, BUT STILL HAVE YET TO DELETE ANY OF THE ACCOUNTS WITHIN. ACCORDING TO 18 U.S. CODE 1028A, AGGRAVATED IDENTITY THEFT, EQUIFAX IS IN VIOLATION AND IS VIOLATING MY RIGHTS. AS A RESULT, I AM DEMANDING FROM EQUIFAX, AN IMMEDIATE DELETION OF THESE ACCOUNTS, AS WELL AS ALL NON-ACCOUNT HOLDING INQUIRIES.
Product: Vehicle loan or lease

I had a 2011 XXXX XXXX XXXX financed with Santander Consumer USA. I originally took out the loan, in XXXX. I have been paying on the loan every since. The original loan amount was approx XXXX. It had been XXXX until now XXXX and I still had a loan balance of approx XXXX. My payment were originally XXXX monthly The moved to XXXX after the hurricane devastation. I requested a running billing statement several times but never received it. The vehicle had electrical trouble and would be her costly to fix. I requested extensions on payment to fix but was denied. I then sent in a certified return letter which was received as I have confirmation to voluntary surrender the vehicle. Santander then picked up the car but later contacted me stating they were listing as a regular involuntary surrender. As I did not call them. The certified letter is not the correct was to do it. This is even when their representative is the one who gave me the address to send it to. A few weeks later I received a letter stating the balance on the car owed was approx XXXX it was sold for approx XXXX and I owed approx XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a dispute on my credit that I opened with XXXX several years ago and it is paid in full but still shows in dispute status. I need this dispute removed from my credit so that I can get a mortgage loan. It is a medical bill for {$90.00}. The collection was XXXX XXXX XXXX. Please see below. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX ( XXXX ) XXXX Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$0.00} Date Updated : XX/XX/XXXX Last Payment Made : XX/XX/XXXX Original Amount : {$90.00} Original Creditor : XXXX XXXX XXXX XXXX ( Medical/Health Care ) Pay Status : >Account Paid in Full ; was a Collection< Date Closed : XX/XX/XXXX Date Paid : XX/XX/XXXX Remarks : ACCT INFO DISPUTED BY CONSUMR ; >PAID COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).
Product: Credit reporting

For a while now, I 've disputed XXXX account balance with Equifax several times. The dispute was based on the account balance of {$0.00} and changed to {$27000.00} about XXXX year later, which is misstating the balance due and a FCRA violation. 

I contact XXXX and they state, " While Ally furnishes information to the credit reporting agencies, it is the credit reporting agencies responsibility to accurately reflect that information on your credit report ''. If this is true, why was a {$0.00} balance reflecting on my credit report for XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

I called into TransUnion in mid XXXX about some unauthorized inquiries on my credit report. The rep told me that they were starting an investigation and that I would be able to get these removed. I never heard back from TransUnion following this. So on XX/XX/XXXX, I sent in several letters disputing this information. After 30 days, on XX/XX/XXXX, I did not receive a response from TransUnion. I sent in a 30 day demand to comply, demanding that action be taken because the investigation has took longer than 30 days. This is illegal. According to the Fair Credit Reporting Act, these inquiries must be removed as they are unauthorized and unverifiable. I do not want to wait any more time for a longer investigation. I am now coming to you to enforce your laws and protect the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I have two hard inquires on my credit report for two companies I did not apply credit cards for. These are the following two companies 1. XXXX XXXX 2. XXXX  I've contacted them and do not want to take them off my credit report. I had some issues in the past where I've been a victim of identity theft and it seems like they still have some of my information. It's really affecting my credit score and my ability to get further credit.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX - XX/XX/year> XXXX
Product: Mortgage

We had been shopping for a lender and chose three separate companies to get a quote from. We had a " local lender '', XXXX XXXX, who quoted us. We decided to not go with her as our loan originator and chose another company as she couldn't match the rates provided by the others. 

XXXX proceeded to contact the seller and told them we weren't using her as a loan officer, which she had not right to do. She attempted to jeopardize our pending home purchase out of spite. 

The actions taken were unprofessional and likely illegal.
Product: Debt collection

After doing several disputes with XXXX and Phoenix Financial. I am still not getting the investigation that I asked for. By XXXX  not doing the investigation it is allowing negative remarks on my credit report. Enclose is the information that I sent to XXXX  and the Creditor asking for validation. The information was completely ignored from creditor Phoenix Financial. Both failed to do an investigation before reporting false information. Phoenix Financial failed to respond several letters.
Product: Credit reporting or other personal consumer reports

a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts.

( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency.

( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported.

accordance with the fair credit act first progress, 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.

11.8K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end 362 consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR 164 EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE
Product: Credit reporting or other personal consumer reports

TO WHOM IT M, AY CONCERN I HAVE NEVER HAD OR SIGNED FOR A XXXX XXXX CREDIT CARD I WOULD LIKE FOR THE CARD TO BE REMOVED ACCORDING TO FCRA RULES AND REGULATIONS 609,611,617,616, USC 1681 I HAVE NEVER RECEIVED DOCUMENTS OR ANY CERTIFIED MAIL VIA RECEPT CLAIMING OR ACKNOWLEDGING A DEBT OWED PLEASE SHOW PROOF OF METHOD OF VERIFICATION OR DEBT VALIDATION ACCORDING TO SECTION 1637B.XXXX CARD # XXXX OPENED XX/XX/2019 INCLUDED IS POLICE REPORT FILED AS REQUESTED.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX
Product: Debt collection

Southwest Credit company is reporting that I owe a debt of {$800.00} for a previous XXXX account for equipment that was never credited to the accounts. 

I have reached out to the company several times by phone and letter to settle the account, but has been unsuccessful in getting the issue resolved. Personnel repeatedly states that they will return my call, but never do. Communication has been ongoing for several months beginning in XXXX. I am unable to get in touch with anyone at the company to get this removed or settled. 

This is the information that I have on them : Address : XXXX XXXX XXXX # XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX Website : swcgroup.com CEO : XXXX XXXX I would like to get this issue resolved as soon as possible.
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigate and corrected for erroneous reporting in my file and are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX XXXX XXXX XXXX XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.