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

I have sent in multiple FTC reports dating back to XX/XX/2022, police reports, and letters from actual creditors and bankruptcy courts showing that two XXXX XXXX accounts, XXXX XXXXXXXX bankruptcy, and XXXX XXXX  bankruptcy, and multiple inquiries were a result of fraud. Experian and XXXX refuse to follow FCRA and delete these fraudulent accounts, as well as bankruptcies from my credit reports. Instead, I received a " verified '' letter after sending documentation from the courthouse and capital one stating they have no records of those accounts using my name and social. I have requested Experian and XXXX that they send a method of verification within 30 days both failed to respond to the letters. This is beyond frustrating as I am in fact an Identity theft victim. These companies refuse to follow the laws in place to correct this matter. This is my final result before filing a small claim lawsuit for defamation.
Product: Money transfer, virtual currency, or money service

I am writing to express the concerns I have regarding Zelles handling of disputes, in light of the CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting my discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking the transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Money transfer, virtual currency, or money service

I am in the roofing business. Everything started when the fraudster XXXX approached me, claiming he needed some work done on his roof. He seemed genuine enough, so I sent over a detailed proposal outlining the scope of the project. To my relief, he approved the proposal without hesitation. But then he told me he needed me to add some extra money to cover expenses because he was supposedly in XXXX and needed to pay another contractor or plumber. He was convincing and he assured me that he would pay those funds to me. He played on my sympathies, spinning tales of urgent deadlines and unforeseen costs. I agreed to transfer the additional funds. After all, I thought I was helping out a fellow contractor in need. Little did I know, the scammer had no intention of using that money for the roof repairs. Instead, he withdrew it from his account as soon as it landed in mine, leaving me to pay from my own pocket. The scammer had taken advantage of my goodwill, leaving me to pick up the pieces of his deceit. Money was transferred from my BOA account via wire and ACH in the total amount of XXXX USD to XXXX XXXX  and XXXX XXXX. Those were my hard-earned funds that were for me and my family, and I just wanted to help someone in trouble.
Product: Credit card or prepaid card

Since so to late XXXX ( XX/XX/XXXX ), I have been having issues making payment. Twice now and Ive spoken to someone 2-3 times since XX/XX/XXXX and yet to receive a call back from XXXX My account info has not been updated and told the two times I fixed prior to them saying theyd do it and call back, my account can not be found. 

High usage is being reported and I tried to payoff over a month ago. 

I got this card to build my credit, not take it down.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my transuion and equifax report, these are inquiries I do not recognize. 

XXXX - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX Equifax- XXXX- XXXX Equifax- XXXX XXXX I reached out to the companies and they could not give me any information on where these inquiries came from.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company has reported  XXXX  separate charge- offs, instead of the single falied charge off t hat occured. Compan  y has failed to delete tradelinre in its entirety upon sale to collection agency, in violation of double and multiple jeopardy provisions of applicble law, including the FCRA and other state and federal law. Reporting has obstructed payment of this and other accounts.
Product: Credit reporting or other personal consumer reports

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.XXXX
Product: Money transfer, virtual currency, or money service

I have documentation s of the dispute claims i filed from XX/XX/XXXX to XX/XX/XXXX totaling almost {$540.00} Netspend resolved the issue but blocked my account now i may not be able to even receive my economic impact payment or even my direct deposit for my job this is so inconvenient
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any 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, Equifax 's 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 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, Equifax 's 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. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the federal law and provides consumers with the necessary proof of investigation.
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 account # XXXX has violated my rights. 
Medical Bill 26 U.S. C 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.
Product: Credit card or prepaid card

We started our vacation from Connecticut to Florida on XX/XX/2021. On the way down we knew we would stop somewhere, so we opted to stay at the XXXX XXXX XXXX ( dog friendly ), South Carolina. We had dinner at the hotel, {$110.00} on the statement. The next morning we decided to spend one more night at the hotel. I went to the front desk to make the reservation, {$410.00} on statement. We left on XX/XX/XXXX to arrive at our hotel in XXXX, Florida. 

When I received my statement from XXXX XXXX XXXX XXXX, there was a new charge to XXXX XXXX XXXX for {$2300.00}, with XX/XX/XXXX as the transaction day. I called the hotel to say the charge wasnt mine, they said I had to take it up with the Credit Card Company. I asked the name of the person that stayed in the room and they gave it to me. I did not recognize the name. 

I called the XXXX XXXX to say the charge wasnt mine. They reversed the charges, only to reinstate them a few days later. I called to ask what happened and they told me that the hotel had my signature on file. I told them that was impossible as I was already in Florida. I did not lose the card as it is still in my posession. 

Barclays sent me a letter on XX/XX/2021 requesting to call after they say they tried to call us several times without leaving messages. I called and they request proof of me not being at the hotel. I called the XXXX XXXX XXXX XXXX XXXX, XXXX, to request a detailed invoice to prove I stayed there from XX/XX/XXXX to XX/XX/XXXX. They emailed me the receipt. 

On XX/XX/2021, I sent Barclays a letter explaining everything with the receipt from the XXXX XXXX XXXX. I was expecting to hear from them soon after that. They claim they called, but there are too many scam calls to pay attention to unknown numbers. And there were still no messages. Both my ex-wife and I, have tried a few times to call Barclays to resolve the issue, sometimes spending hours at a time on the phone repeating SSN, phone number, date of birth more than 100 times only to be hung up on, put on hold indefinitely, switched from the fraud department to the dispute department, and vise versa several times, told that supervisors were too busy to help us, but never getting a straight answer as to what was happening with the issue. When I called to ask what happened to the case with the evidence, the person on the phone tells me that they did get the letter and the receipt but nobody has looked at it yet. 

I feel that Barclays is dragging their feet in the hope that I will just give up. I cant believe a big company such as Barclays can not recognize theyre in the wrong in a timely fashion. They have cost me money in interest charges and caused damage to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute letter to Transunion signed and post dated XXXX requesting that Transunion investigate and remove three ( 3 ) inaccurate items reporting negatively on my Transunion Credit report. Within this correspondence I cited the Fair Credit Reporting Act, Section 607, requesting that they ensure maximum accuracy of the information contained in my credit report. 
As of XXXX I had not received any acknowledgment or update on my dispute and the inaccurate negative items remain on my credit profile. On the aforementioned date I also sign and mailed an additional letter post dated XX/XX/2020, requesting the validation of the debt listed on my credit report Under the Fair Debt Collections Practices Act ( FDCPA ). In this correspondence I too noted that Transunion had not completed an investigation within the 30-day time frame as required by law and demanded that they delete all disputed items from my credit report.
Product: Checking or savings account

On XX/XX/2022 I received a text message that there was a USAA fraud alert. I texted back no and that same number replied saying they will contact me shortly. Basically what happened is that it was a phishing scam. And after I hung up I had an uneasy feeling so I called USAA through my bank application. They informed me indeed it was a scam and they took down my information locked my account while they investigated. So while they investigate the situation they gave me a provisional balance until they concluded their investigation. On XX/XX/XXXX they took back the money and sent me a notice that the transactions were not fraudulent because the vendor ( XXXX XXXX ) approved it. So then I reopened the investigation and in a couple of weeks they gave me the same answer. They Investigated this incident without once calling me to ask me what happened or what the scammers said. They could have asked me for the phone number that texted me. Screenshots of the texts I got but they didnt. They did not call me once not even when I asked them for a call back.
Product: Debt collection

Nationwide Recovery Systems representing XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2018 amt {$78.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. Itseems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on mycredit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soonas possible XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 ; XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX : {$0.00} ; XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$280.00} ; XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed a copy of my personal credit reports ( XXXX, XXXX and Equifax ) and have noticed numerous mistakes and inaccuracies in which I am bringing to your attention. 

I had a credit card account with XXXX XXXX, that unfortunately went into default due to a financial hardship in XX/XX/XXXX. I called on XX/XX/XXXX to XXXX XXXX -with the propose to resolve this debt because the account is reporting a Balance on my credit reports- I spoke with a representative named XXXX, He told me that XXXX XXXX just forgiven the debt and sent me a XXXX form, I asked if they are collecting the balance and he said is any balance owe to the XXXX XXXX and they are no longer collecting the balance. 

I verified my tax records and I received a XXXX Cancellation of Debt from XXXX XXXX, and subsequently had to pay the IRS the income tax due on the cancelled debt that XXXX XXXX   reported. 

I disputed the account with the 3 credit bureaus because they are reporting a balance in my credit reports, but XXXX is not longer collecting any balance and forgive the balance of the account, so I don't see the reason why the Credit Bureaus and XXXX are reporting a Balance on the account. 

I have done research on the topic and would like to advise both the Credit Bureau that this issue has been litigated extensively, and that it has been decided numerous times by courts that it is inequitable to allow a creditor to belatedly enforce a debt after it received the tax benefit of the Charge-off, in addition to it being inequitable to require me to report this cancelled that as income on my federal tax return and face tax consequences and STILL hold me liable on the debt. Below, please see all the research I have done in my favor. 

See : See, e.g., In re XXXX, XXXX XXXX XXXX, XXXX ( XXXX. XXXX XXXX XXXX XXXX ) XXXX XXXX v. XXXX , XXXX XXXX . XXXX XXXX ( A ), XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX XXXX ) XXXX XXXX XXXX . XXXX. v. XXXX, XXXX XXXX. XXXX. XXXX XXXX ( XXXX. XXXX. XXXX. XX/XX/XXXX ) ( " It would be inequitable ... to require that [ Defendant ] report the discharge of debt as income on his federal tax return or face the potential tax consequences and hold that the plaintiff may continue to hold him liable on the debt. " ). " is in direct conflict with the Internal Revenue Code and the fact that cancellation of indebtedness income is included within a debtor 's gross income. '' Id. at XXXX. The court further determined that the issuance of a Form XXXX reflects that a financial institution has, in accordance with 26 U.S.C. 6050P and 26 C.F.R. 1.6050P-1, discharged an indebtedness. Id. at 271. 

I have been advised that you have thirty ( 30 ) days to begin and conclude your investigative procedures. Upon completion, I request to know the name and address of the verifying source along with a description of the process you used in contacting them. Furthermore, I request that you provide me with an updated and revised copy of my credit file reflecting your correction of these errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX and experian numerous of times letting them know if a creditor run my credit they will have to contact me I have 47 hard inquiries on my XXXX report and 15 hard inquiries on my Experian report without my authorization they both have copies of my social security card and my police report.. and pretty much annoying my request..
Product: Debt collection

FCO ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX Phone : XXXX Dear XXXX : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify FCO or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : FCO or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  account number XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XX/XX/XXXX {$610.00} 15 USC section 1681 a ( i ) ( 2 ) states medical information about the consumer can not be furnised 15 USC 1681 section 602 a states I have the right to privacy 15 USC 1681 section 604 a2 states a consumer reporting agency can not furnish an account without my written permission. 

XXXX XXXX XXXX  XXXX XXXX 15 USC 1681 section 602a states I have the right to privacy 15 USC 1681 section 604a2 states a consumer reporting agency can not furnish an account without my written permission Fraudulent inquiries -- -- -- -- -- -- -- -- -- XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX I have sent over MULTIPLE letters, disputes and made too many calls to count. I have verified my identity, sent in documents from XXXX XXXX  that my file was compromised. whomever hacked in through my bank has my driver license number, address, social security number, birthdate, account number and anything eles that was on file. 
I have done everything the credit reporting agency has asked and more and they will not remove these items. Pleas someone help me!!!!!
Product: Credit reporting 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. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries 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.