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

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, account or item 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 & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$5700.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against EXPERIAN for Repeated Violations of the Fair Credit Reporting Act and Request for Deletion of Inaccurate Account Information Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EXPERIANfor retaining inaccurate account information on my credit report despite multiple violations of the Fair Credit Reporting Act ( FCRA ), and to request the deletion of the inaccurate account information and legal action against EXPERIAN Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, EXPERIAN has repeatedly failed to comply with the FCRA and has retained the inaccurate account information. This ongoing non-compliance with the law has caused me financial harm and distress. 
The violations committed by EXPERIAN include but are not limited to : - Failure to conduct a proper reinvestigation following multiple disputes - Failure to delete inaccurate information as required by Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA - Failure to adhere to 15 U.S. Code 1681i ( 5 ) by retaining inaccurate account information It is worth noting that XXXX has now removed this account from my credit report and has provided me with evidence of its removal. This highlights the lack of accuracy and consistency in the information reported across the three major credit bureaus. If XXXX has acknowledged that the information is incorrect, it is clear that Experian is failing to maintain the accuracy required by the FCRA. 
I formally request that this information and the related account be removed from my Experian credit report immediately, to ensure that the data reflected in my credit history is accurate and consistent with the other agencies.
Product: Credit reporting

There is a tax lien for XXXX dollars that I do not have or owe. I have not received any notices or any documentation from the state or city of a tax lien. All my taxes are current, I do not owe any back tax money.
Product: Credit reporting or other personal consumer reports

JPMCB - CARD SERVICE Account type - Flexible Spending Credit Card Date opened - XXXX XXXX XXXX Address JPMCB - CARD SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Above Account created under JPMCB - CARD SERVICE without my consent. It does not belong to me and should be deleted and removed from all three credit bureaus under my credit file immediately please. 
According to15 U.S. Code 1692j a person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have requested for numerous months throughout the year for written method of Validation for all accounts that the are listing on my credit report. They only send me the credit report with the same comments that they validated the accounts as accurate. They have not provided me proof of said items to include the request of method of validation. 

XXXX XXXXXXXX late payments that are incorrect. Requested negative information to be deleted unless validated correctly and provided proof. 

XXXX XXXX XXXXXXXX derogatory and I've requested the method of validation. Requested to be deleted in not validated correctly. 

XXXX XXXXRequested method of validation and to be deleted if not provided requested information. 

XXXX  XXXXshowing late payments that are incorrect. Requested negative information to be deleted unless validated correctly and provided proof. 

XXXX XXXX XXXXRequested method of Validation and proof of negative information or delete from report. 

XXXX XXXX XXXXRequested method of Validation and proof of negative information or delete from report. 

XXXXRequested method of Validation and proof of negative information or delete from report. 

XXXXRequested method of Validation and proof of negative information or delete from report. 

XXXXRequested method of Validation and proof of negative information or delete from report. 

XXXX  XXXX Bankruptcy- Requested method of Validation and proof of negative information or delete from report. XXXX XXXX XXXX XXXX XXXX DOES NOT report this information to any credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX should not be reporting to Equifax ; XXXX  and XXXX that I am ( 30 ) plus days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have attached for reference the Forbearance Agreement dated XX/XX/2020 along with the Forbearance Letter confirming the forbearance was granted dated XX/XX/2020. This letter specifically states the following - you are not required to make any payments during the forbearance. The three bureaus are reporting the lates in error and it is seriously harming my credit score. These line items need to be removed and/or updated to report accurate information. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX from XXXX XXXX XXXX XXXX - {$1100.00} date opened XX/XX/XXXX XXXX XXXX XXXX from XXXX XXXXXXXX XXXX XXXX  - {$1400.00} date opened XX/XX/XXXX XXXX XXXX XXXX from the XXXX XXXX XXXXXXXX {$1100.00} date opened XXXX, XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX  - {$570.00} date opened XXXX, XXXX XXXX XXXX, XXXX XXXX for {$460.00} date opened XXXX XXXX XXXX XXXX for $ XXXX date opened XXXX, XXXX XXXX XXXX XXXX for {$530.00} date opened XXXX, XXXX XXXX XXXXXXXX XXXX for {$860.00} date opened XXXX, XXXX XXXX XXXX XXXX fro {$650.00} date opened XXXX XXXX. 

all of these and maybe more. I have never owned a credit card, only used a debit card, yet I have all these accounts open or in collection. The phone number on the accounts is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX not mines they said i cant remove it only if i pay i must contact credit bureau that they reported it Overview You're currently using 101 % of your account 's limit. 
Balance {$20000.00} Credit limit $ XXXX Monthly payment {$640.00} Opened XX/XX/XXXX ( 2 yrs, 1 mo ) Payment History Youve made 72 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment XX/XX/XXXX Current Payment Status Charge-off Amount past due {$20000.00} Worst Payment Status Charge-off Account Details Account status CLOSED Type Credit Card Responsibility Individual Account. 
Remarks
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I'm a U.S. citizen previously residing in XXXX, Maryland, and currently living in XXXX, Texas. I am writing to formally lodge a complaint against Wells Fargo for unjustly closing my accounts and reporting a delinquency that has severely impacted my credit score. 

For the past XXXX years, I have maintained both checking and savings accounts with Wells Fargo without any issues. However, due to a sudden and severe family emergency, I had to leave my job and travel to XXXX to care for my critically ill mother, who suffers from advanced XXXX XXXX XXXX and is now fully dependent on me. 

I want to emphasize that XXXX is a dangerous place for U.S. citizens, which has further complicated my situation. Despite the risks, I have been forced to remain here to provide care. During this time, Wells Fargo requested my citizenship documentation and a signed XXXX XXXX form. While I provided the citizenship documentation, I sent an email explaining my emergency situation instead of the signed form, as I was uncertain how long I would need to stay in XXXX until my mother 's green card application was approved. 

Wells Fargo responded by repeatedly instructing me to call them, despite my clear explanation of my inability to do so due to the circumstances. After asking my brother in XXXX to contact the bank on my behalf, the poor communication left me in the dark. I received no clear answers about whether my reasons were accepted or if my accounts were still active. The lack of communication and support from Wells Fargo has been deeply distressing. 

Moreover, I had to leave my position at XXXX XXXX XXXX and put my medical residency application on holdsomething I had worked tirelessly for over several yearsdue to this unexpected and urgent situation. 

The sudden closure of my accounts has severely impacted my financial life. All my debts and rent payments were linked to my Wells Fargo checking account, including automatic payments for a loan from the same account. The closure caused a delay in transferring my debt payments to another account, and despite making up for the delayed installment and paying the current one, Wells Fargo reported a delinquency to the credit bureaus. As a result, my credit score plummeted from XXXX to XXXX overnight, even after I paid XXXX installments together. The delinquency report remains on my credit history, further damaging my financial standing. 


Given my current circumstances in XXXX, the best and safest way to communicate with me is via email. If a phone call is necessary, my brother in XXXX can be contacted on my behalf. 

Please let me know if you require any further information or documentation. 

Thank you for your attention to this urgent matter.
Product: Checking or savings account

Hello ... I have had a small business account with The Bank of America since XXXX. Since XXXX I make one monthly deposit of all of my checks and the checks are available for use the next day. I have never had a check bounce. I never overdraw my account .... Starting in XX/XX/XXXX and every month thereafter, the bank has been putting a 10 hold on all of my checks. In reading U.S. Code 4002, it appears that the longest a bank can hold a nonlocal check is 4 days. Here is the section of the law that refers to this : " ( 2 ) Availability of funds deposited by nonlocal checks Subject to paragraph ( 3 ) of this subsection, subsections ( a ) ( 2 ), ( d ), and ( e ) of this section, and section 4003 of this title, not more than 4 business days shall intervene between the business day on which funds are deposited in an account at a depository institution by a check drawn on a nonlocal originating depository institution and the business day on which such funds are available for withdrawal. '' When I mentioned this to a manager of BofA she said that their bank policy can hold the checks for as long as they want. The phone call with the bank manager was recorded on XX/XX/XXXX. I spoke to XXXX in the South Carolina office. XXXX said that they did not have to comply. That there could be reasons why a 10 day hold is necessary. When I asked what I did wrong to warrant this, she could only reply with they can do that. There was no willingness to hear that they may be breaking the law. Just that " their policy can allow them to do this. '' Holding my checks for 10 days makes it impossible for me to collect my checks, deposit them and have my workers paid in a timely fashion. Can you please help me with this?
Product: Credit reporting or other personal consumer reports

I hope this email finds you well. I am writing to follow up on my previous communications regarding the removal of fraudulent items from my credit report. This marks the 4th formal attempt to address this critical matter.

Despite my repeated efforts and numerous requests, the fraudulent transactions remain unresolved, causing significant distress and affecting my financial credibility. It is imperative that these unauthorized entries are promptly removed from my credit report to ensure its accuracy and integrity. 

I urge you to take immediate action to rectify this matter and provide me with confirmation once the fraudulent items have been successfully removed. Additionally, I request regular updates on the progress of the removal process to ensure timely resolution. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This is account is well over seven years old. This account should not be showing on my credit report at all! Its been on my credit report since 2015.
Product: Credit reporting or other personal consumer reports

Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that Experian, XXXX, & XXXX didn't make sure it was reporting 100 % correct. 
In accordance with the FCRA and Metro 2 compliance reporting standards.

Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that Experian, XXXX, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Product: Credit card or prepaid card

I have legitimately have already paid off XXXX of my credit cards at Jp morgan Chase bank, and kept paying to build credit. XXXX of them is {$4500.00} in debt, as I discovered through my main bank XXXX Chase XXXX bank on XXXX and XXXX XXXX, XXXX XXXX, California, the limit is {$1500.00}. someone has been spending beyond my limit and on top of that my XXXX XXXX is still poor. I opened a case withc chase bank itself, they refuse to call me back, i opened a claim online, the website is shut down, and other links to free claims are now diminished. I more than suspect it is a " XXXX XXXX " whom I reported for Human Trafficking. he has a minor with my same exact name, making my claims and statements against me behind my back as if I am the fraud, claiming he is " confused '' and it is safer to just assume she is the plaintiff. I have been misdiagnosed as a XXXX  and have been recieving XXXX for XXXX, when originally it is XXXX, XXXX XXXX XXXX that XXXX victims and war soldiers have, considering XXXX can result in forms of XXXX, this is the case here. XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have credit monitoring serives with XXXX XXXX, and received notifications of hard inquiries from the following financial institutions. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX Capital One Auto Finance XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, DE XXXX I have not signed any documents authorizing these organization to view my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

On 2 occasions starting in XX/XX/2019 via Sagestream Website and in XX/XX/2019, via certified mail, I requested that sage stream LLC put a freeze on my credit report and send me confirmation and they have not sent me confirmation. In betwee the time of XX/XX/XXXX -XX/XX/2019I have left numerous voice messages in regards to the matter but still no confirmation. 

I submitted the Proper copies and my Photo ID and well as copy of my SS card So for some strange reason Sagestream doesn't seem to want to honor my request. Help and assistance is needs to obtain my security freeze and security PIN
Product: Credit card

My BBVA Compass XXXX XXXX has been frozen/blocked since XXXX XXXX. I have contacted their fraud dept. and was told it would take 24 to 48 hrs ( business days ) for someone to contact me so the account can be unblocked ; it is now XXXX XXXX and this has yet to occur. I am starting to believe this is a classic bait and switch because they are doing a promotion specifically for the XXXX Finals with the use of this card. I have contacted the security dept. XXXX times with all information clearly showing I am who I am and have been the only person using this card by confirming all of the purchases on this card to be true.
Product: Debt collection

I moved out of XXXX XXXX XXXX during the weekend of XXXX. My lease with the apartments was set to end in XXXX and I had been in contact with who was managing the building at that time- XXXX XXXX. I communicated on XX/XX/XXXX, that I would be moving out by XX/XX/XXXX. XXXX confirmed that she had received that information and would post it to the account. 

XXXX had completed an application verification for my new apartment building and therefore had a forwarding address on file. No communication was made with me by XXXX or XXXX Co representatives after I provided my move out date ( see attachment ) and there was no communication during or after my move. The only communication I received was an automated notice that there would be new management of the building - XXXX XXXX had bought the building from XXXX. 

The building, now under XXXX XXXX, used a call box that connects to our cell phones - we could buzz people in from our phone. After moving, I had continued to receive calls to buzz people in. I reached out to XXXX XXXX via email to remind them that I had moved and asked to be taken off the call box so I would not receive any additional calls. At no time between XXXX to XXXX XXXX did anyone say anything about an amount owed. 

I received a collections notification in the mail yesterday ( XX/XX/XXXX, dated XX/XX/XXXX ) stating that XXXX had turned me over to collections for an amount of {$960.00}, with a note stating " As of XX/XX/XXXX, you owed. '' I attempted to call Consumer Collections XXXX to discuss and was told that they had turned me over and stated that they had no forwarding address to attempt to collect. I informed them that they did have a forwarding address and that proper collection practices were not followed so I did not owe this amount. The collections agent continued to speak over me and informed me that she would not be able to continue the conversation because I was unwilling to provide my SSN or DOB to them - information that they should have on file in order to collect.
Product: Student loan

On XX/XX/XXXX I submitted the application, School Misconduct Discharge for attending a predatory school, to Navient who serviced my private loans. I attached substantial evidence along with my personal account of my experience. On XX/XX/XXXX Navient sent me a denial response to my application stating I didn't meet the requirements for loan discharge. I followed up with an email asking for details on why my application was denied, in detail, along with the requirements for loan discharge seeing as I didn't meet those requirements which doesn't seem possible. I should meet all the requirements for loan discharge and am part of the post class borrowers defense lawsuit for federal loan discharge, XXXX. My private loans also fall under the attendance requirements from the federal govt for loan discharge seeing as I was enrolled at points between XXXX XXXX, XXXX, through XXXX XXXX, XXXX.
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 XX/XX/2022 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. these accounts listed are fraud i did not make these inquiries i spoke to the reporting agency and they have violated my rights by not removing these inquires ASAP