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 a address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces. 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: Mortgage

I was advised by my loan servicing company, Ocwen, that my homeowner 's insurance had expired. This is inaccurate, and they decided to " sign me up '' for their in-house insurance. They have now added an additional $ 120 monthly fee to my mortgage. I have tried to call, fax, email them several times. I have been unable to reach them to clear up this issue.
Product: Credit card or prepaid card

I recieved a threatening call from the FBI headquarters phone number to purchase four gift cards from the XXXX XXXX for XXXX valued at {$500.00} each. I XXXX  the number and the FBI assured me it was a spoof or scam call and they said to contact many different agencies to get refunded money to my two credit cards. This happened on XX/XX/2019. They said they have evidence that I own 15 different credit cards, a car under my name, 40  kilos of XXXX under the trunk of that car, and the only way to save myself from lifetime in jail was to cooperate. They kept calling me every second for 6 hours straight after that purchase. This was not my fault and I AM A VICTIM AND NEED HELP GETTING A REFUND! I CAN NOT AFFORD THAT! I was fooled and threatened. I have the scammers phone call logs, voicemails, receipts of purchases, text messages, etc. To prove that I am a victim! They asked for gift card numbers and pin! I have 0 on those cards now!!! I NEED IMMEDIATE HELP AND RELIEF TO FIX THIS PROBLEM ASAP!!! PLEASE!!!
Product: Debt collection

Since the debt from AAragon first appeared in XXXX I have attempted several times to resolve and based on lack of Validation in XXXX by AArogan debt was removed. Now suddenly debt has reappeared on my XXXX report with the same balance from XXXX. As of XX/XX/XXXX. The debt does NOT belong to me and the company has been u able to validate. The company also provided no notification prior to placing a collection on my credit report this month. They did not give me the opportunity again to demand validation prior to applying to my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several disputes with experian and they have done no research to look into my claims
Product: Payday loan, title loan, personal loan, or advance loan

I don't know how much it was for or the dates and they will not give it to me, they said that a internet payday loan was taken out in my name with my social security number. I myself did not submit this payday loan, however my ex-boyfriend did under my name and false pretenses, he also is in default with them and I'm having issues getting them to confirm any information on the loan. Not to mention this loan is from back in XXXX to XXXX not sure exactly when.
Product: Debt collection

This company showed up on my credit reports and I have no business with them. I hired a company for credit repair services by the name of XXXX and credit repair to service my account. They stated they could not discuss my account with them without my signed signature. I refuse to sign anything and give it to this company I have no business with, other than the fact they are on my credit reports. A debt validation letter was sent to them via certified mail, they failed to provide the necessary information and instead of sending the information that was asked for, they sent a letter that makes absolutely no sense and does not answer all the questions on the original request.
Product: Credit reporting or other personal consumer reports

The questions answered in this complaint do not directly reflect my specific problem. I recently received and alert from a separate credit monitoring service that my social security number was available on the dark web. I responded by accessing all three major credit reporting agencies ( XXXX, XXXX and Equifax ). I confirmed that all three accounts have credit freezes. I also turned on a fraud alert. I checked each service to make sure there some sort of multifactor authentication when logging into each account. Both XXXX and XXXX offer this. To my shock, Equifax ( a major credit reporting agency ) does not offer any type of multifactor authentication to protect my account. In XXXX  they had a major breach and seven years later my data is still not properly protected. Ironically it appears they offer XXXX XXXX  to other companies. If this isn't negligence then I don't properly understand the meaning of the word.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Closed Accounts : XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP !!!

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.
Product: Credit reporting or other personal consumer reports

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

on XX/XX/XXXX i was informed via Email that a XXXXXXXX XXXX credit card account was past due and had several returned payments. I never authorized the opening of the account. i have XXXX XXXX XXXX loans and that all. This account was fraudulently opened and abused using my personal information. Im a victim of identity theft. my personal information is being sold online for fraud. this has been confirmand by dark web surveillance.
Product: Money transfer, virtual currency, or money service

I am raising concerns about Zelle 's handling of disputes, especially in light of the recent CFPB lawsuit that highlights significant issues with the platform. Despite being a Zelle user and promptly reporting discrepancies, my financial institution failed to investigate my claims thoroughly. They informed me that recovering the lost funds was " impossible '' and that tracking these transactions was not feasible, leaving me without a resolution or support. I lost over {$1000.00} through unauthorized or disputed transactions on Zelle, and despite reporting the issue to my financial institution, the funds were never recovered. When I brought the matter to my bank 's attention, I was informed that they could not investigate further. They cited an inability to trace the transactions or identify the recipient due to the limitations of the Zelle platform. This lack of recourse and transparency not only left me without my funds but also highlighted the significant risks associated with using Zelle for financial transactions, particularly when disputes arise.
Product: Credit card

On XXXX, I filed an online application with the Taggart Motor Company to enter into a consumer credit transaction for the purchase of an automobile. I provided my non-public personal information in good faith and I was denied my right to extend credit based on there inability to pre authorize the sale of our contract to a non affiliated third party company. I spoke with the finance manager and the store manager about this issue. They denied any liability in connection with the contract that was filed online and placed liability on the non affiliated third party banks. Do to the fact that they couldn't get a bank to agree to the terms offered by Taggart Motor Company, to enter into a separate contract between Taggart Motor Company and non affiliated banks. 

Due to the codes set forth to protect me as a consumer from unfair practices, I have a right to personal extend credit in connection with the purchase for personal, family or household use. I request that this matter be addressed in accordance to the US Codes that govern these transactions.
Product: Credit reporting

Experian continues to damage by reporting an unverifiable & possible fraudulent acct. They just completed another investigation on my credit & I 'm truly confused how they 're verifying the following information ... XXXX is reporting on my credit. I 've sent over 5 letters to Experian requesting how they verified the information as I 've contacted the company twice & have received nothing from them. Additionally, I have no signed contract or agreement so I 'm curious as to how they 've verified the account. I 'm attaching all the correspondence which I sent to all parties. It has now been over 9 months since I first started disputing this account. It 's time that they do their job & remove it for lack of any verifiable proof. Lastly, I believe the company is trying to collect on an account which was already paid or covered by insurance but they did n't file the proper documents to get paid so they thought damaging my credit would get them paid. I have no records of this company nor do I think any exist. And since I 've never signed an agreement with them I believe it 's a fraudulent claim & could do n't be verified. I need it removed at once or I will be seeking a legal remedy.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and noticed that I had one late payment on an account that I was never late on. the consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on a payment for this account that I included screenshot inside this complaint on the dates of XXXX XXXX. please investigate and provide proof with statement showing that these payments were late. if proof can't be provided, I demand the payments be updated and paid as agree on time as they should be due to the fact I was never late. 

Payment history guide 30 days past due as of XXXXXXXX XXXX  Thank you
Product: Mortgage

In XX/XX/2020, I applied via website of PHH for covid 19 RELIEF. I am not making any income and I need assistance. 

I was not able to pay XXXX, XXXX, XXXX. In XXXX I applied for this help. I did not receive any information EXCEPT that I was placed into FORECLOSURE on XX/XX/2020. I am mortified. I do not know what to do. I do not want to lose my property. 

Please help me. I need COVID 19 assistance and this foreclosure to be stopped. Please help.
Product: Debt collection

In XXXX, XXXX, I received a notice from Columbia Collection Service. On XXXX XXXX, XXXX, I responded with a dispute requesting proof. On XXXX XXXX, XXXX I received a second letter still attempting to collect, without having received any proof. I wrote a second letter notifying them the debt is disputed and to provide proof. On XXXX XXXX, XXXX I received a 10 day notice to pay with the underlying tone they were planning to sue for the disputed amount. I sent a certified letter reiterating that the debt is disputed and proof had not been received. On XXXX XXXX, XXXX, I was served with a small claims suit. At no point has the agency provided the required documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report Collection Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor name : XXXX XXXX Collection Creditor : XXXX COLLECTIONS Original Creditor Name : XXXX XXXX XXXX Collection Creditor : XXXX Original Creditor Name : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with my XXXX XXXX account rep, and was asked several security questions to confirm my identity. The questions were about a car loan and a student loan that were opened this year. I have not opened any loans. I am actually living in XXXX for the last 5 years, my company XXXX, transferred me to their XXXX XXXX office. 

The XXXX XXXX rep told me to get a copy of my credit report, so that I could answer the questions. When I tried XXXX, neither XXXX, Transunion, nor XXXX  were able to give me the report. I have screen grabs of what the messages were and can attach. 

I tried calling all three agencies, but could not get past the phone menus to speak with a person for support. I called the Consumer Financial Protection Bureau at XXXX and they recommended that I file this complaint. 

I have a grave concern that my identify has been stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Reached out to Transunion on XXXX to let them know that they are reporting incorrect information on me in regards to a bankruptcy. I filed a dispute with them and they have not removed this incorrect information. They tried to state to me that the account was verified throughout the courthouse. I have a written and signed letter from the U.S Department of justice district of California that states they did not verify any of this information nor do they report any information to the credit bureaus. I am attaching this letter I am also attaching delivery confirmation letter I sent to transunion in regards to this matter via XXXX. 

Transunion has violated my following rights in accordance with the fair credit reporting act 15 U.S.C 1681 Section 602 A states I have the right to privacy 15 U.S.C 1681 Section 604 A section it also state consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer 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

I called the 3 Credit Bureaus after I purchased a credit report with XXXX on XX/XX/22. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were erroneous accounts on my credit report which is misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate the accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hope that this account will be corrected. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I never received my e-statement, yet I've received all of my statements and receipts from them for the past XXXX + years and I received the late payment notice at the same email address as everything else. 

Upon logging into my account the statement shows a due date of XX/XX/year>. The bill was paid in full, as soon as I received the notice, on XX/XX/XXXX. That makes my payment XXXX  days late NOT XXXX  days late as their agent told me repeatedly.
Product: Debt collection

I owed a debt with XXXX of approximately {$900.00} for services provided in XX/XX/XXXX. 
In the end of XXXX I received the first statement dated XX/XX/XXXX. 
On XX/XX/XXXX I contacted XXXX and put this debt on a payment plan of 12 payments of {$78.00}. This amount was debited on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for a total of {$310.00}. 
On XX/XX/XXXX I received a notice from the company XXXX XXXX stating that this account was overdue and it was sent to collections. 
On XX/XX/XXXX I called XXXX ' billing department, spoke with XXXX XXXX ( supervisor 's name is XXXX XXXX ). XXXX was able to verify that I setup a payment plan via phone on XX/XX/XXXX and informed me that due to a XXXX ' internal accounting mistake this debt was sent to collections even though I was making the payments on time, per the agreed upon payment plan. 
I believe that this was done in bad faith, and that XXXX sent my debt to collections with the intent to intimidate me, giving me no option but pay the debt in full, even though we had agreed on a 12 month payment plan. 
I felt threatened and afraid that this debt would be reported to the credit reporting bureaus and therefore paid the remaining debt in full on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Agency as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given written, unwritten, verbal and non verbal Per 15 USC 6802. Per the Privacy Act of 1974 no agency shall disclose any record which is contained in a system of records by any means of communication to any person, other than to another agency, except pursuant to a written request, by or with the prior written consent of, the individual to whom the record pertains 5 USC 552 a ( b ). According to 15 USC Code 1681b Permissible purposes of consumer reports they need written consent to add anything to your consumer report this is a violation of the Fair Credit Reporting Act. 15 USC code 1681a reporting transaction history is illegal. 12 CFR 1016.1 Purpose and scope provides a method for consumers to prevent financial institutions from disclosing information to affiliated third parties by opting out of that disclosure. I have the right to make sure my private information is not shared which is backed by 15 USC 6801. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of customers non public information. XXXX, Experian, XXXX XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out of your reporting services. I am not opting out of your reporting services.
Product: Credit card

My Navy Federal Credit Card was charged off and I never received the copy b of the 1099c to report on my taxes. The account has been charged off since XXXX of 2024. Also, according to the irs a cancellation of debt is considered income and can not be report on a consumer report.
Product: Debt collection

In XX/XX/2021, I learned that two things had happened that appear to be the result of identity theft : - An account for which I did not apply was opened in my name with XXXX. No charges had been made. However, XXXX refuses to close the account. 

-I learned Paypal had reported me to collections for an account opened with my name and address, but with a fake email address. A {$200.00} charge is owed on this account. Paypal refuses to close the account while it is under investigation with their collections company, XXXX XXXX. 

** Strangely both XXXX XXXX and XXXX are based in the same zip code in XXXX XXXX, Minnesota. Is there some connection between these two entities related to these fraudulent activities? ** Could I please get your help with : - closing the fraudulent XXXX account before any charges are made - closing the fraudulent Paypal account before MORE charges are made and helping me deal with their suspicious collections agency which is in the same zip code as XXXX. 

Thank you so much!
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, unauthorized inquiries are being reported to my personal credit file. The Experian, XXXX, and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The 3 Credit Bureuas have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

My loan servicer, SST ( Systems & Services Technologies ) is supposed to take monthly payment of {$170.00} out of a designated checking account of mine once a month. However the SST took the payment out of the checking account twice, once each on XXXX XXXX and onXX/XX/2020for the monthly payment for the month of XXXX. When SST took {$170.00} out for second time, balance on the designated checking account became negative balance, and I got charged a NSF of {$30.00} by my bank.
Product: Debt collection

I just got a letter from Portfolio Recovery Associates, LLC. They are stating that I owe an amount of {$810.00} from XXXX XXXX XXXX. The funny thing is I never had credit from XXXX  XXXX to this date. I am tire of these people reaping off. I pay all my debts and I am a very responsible human being. Please help me stop these. They state in the letter that if I don't answer within 30 days they will assume the debt is mine. Wow so they are not even sure and start writing all who they can to rob some money. I hope you can help. Thank you.
Product: Credit reporting or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX