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 violates 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 inconveniences and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a fraudulent account that is currently appearing on my credit report. I believe that my personal information has been compromised and used to open an unauthorized credit card. 
The account in question is : Creditor : XXXX XXXX XXXX  Date Opened : XX/XX/2024 I have never authorized or applied for a credit card with XXXX XXXX XXXX. This account is not mine, and I am a victim of identity theft. 
I contacted XXXX XXXX XXXX directly and reported the fraudulent activity. They have closed the account. 
Despite XXXX XXXX XXXX closing the account, it continues to appear on my credit reports, negatively impacting my credit score. 
Please find FTC Identity theft report attached.

I am requesting that you : Conduct a thorough investigation into this matter. 
Immediately remove the XXXX XXXX XXXX account from my credit report as it is a result of fraudulent activity. 
Ensure that my credit report reflects my true credit status, which is on-time payments, and no negative fraudulent accounts. 
I expect a prompt resolution to this matter. 
Thank you for your immediate attention to this serious issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Equifax I previously submitted a complaint on Equifax for reporting information on my business Equifax report. The case was closed. I have emailed Equifax several times about this incorrect information They said they fixed but a week later I see a new issue. 

i run my Equifax report daily through XXXX on XXXX I had a Equifax score of XXXX and XXXX tradelines the report from XXXX has XXXX tradeline and a score of XXXX. XXXX has also informed me my business has myutiple Rquifax IDs meaning mutiple reports are being created. 

Equifax is not doing there job correctly XXXX not sure if they have multiple people hamdlig XXXX issue but this is becoming the norm its not right or fare its stressful its crazy i dont een know what to say but please make Equifax do there job they are XXXX  XXXX  slowly form stress I never get thei sfrom XXXX or XXXX. Its XXXX of they are horrible and shouldnt be paid
Product: Credit reporting or other personal consumer reports

I am writing to convey my profound dissatisfaction with the ongoing presence of fraudulent accounts on my credit report. After reporting the identity theft, I immediately contacted the companies associated with these fraudulent accounts. They confirmed the legitimacy of my report and assured me that the fraudulent accounts would be promptly removed upon submission of the required FTC report, despite their inability to provide records. 
It is noteworthy that both XXXX and XXXX have already removed these accounts from their records after identifying and correcting an error. I am puzzled as to why your bureau continues to verify these accounts when other agencies have already eliminated them. I urge you to expunge these accounts from my file, as they are inaccurate, erroneous, incomplete, or unverifiable. I insist on immediate action to remove these fraudulent accounts from my credit report, as the companies have acknowledged their fraudulent nature and agreed to their removal. Please delete these fraudulent accounts promptly, as they are the result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

I sent my letter off on XX/XX/2022 & XX/XX/2022. I told the credit bureaus to investigate each of these accounts and to remove from my credit report on the accounts I have listed below. Also, I have attached the letters I sent out and here is the Tracking # XXXX # XXXX # XXXX. 

According to the FCRA the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

These items found within my credit report are not related to any transactions that I have made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting these unknown accounts on my credit report.This is causing me to suffer repeatedly and its defamation of my character. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law, Also every piece of information on these accounts are still not reporting 100 % accurate and according to the FCRA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. Furthermore according to 15 U.S. Code 1681c-2 these fraudulent accounts should have been blocked within 4 business days. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to demand the fraudulent XXXX account and inquiries that have been reported to my credit report, be completely removed from my credit profile. I have submitted fraud reports for this account to be removed in 4 days, disputed, and thoroughly investigated because I did not open these accounts. By law, an FTC works when identity theft is involved and the account needs to be removed immediately, within XXXX business days. We go by the law. I as a consumer have my legal rights. 
This account and inquiries must be removed immediately. If not, My attorney & I will take the necessary steps to ensure I receive all compensation for this horrific injustice regarding my credit report through a lawsuit. Please remove this illegal account, Thank you for your time and help in this matter FRAUDULENT Account to Remove : - XXXX XXXXXXXX - Fraudulent Account Account Balance : {$0.00} FRAUDULENT INQUIRIES to REMOVE from Experian : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

As of XX/XX/2022, TransUnion is reporting that I have an installment loan with XXXX XXXX XXXX XXXXThey have failed to show that I have signed an installment loan contract with them. This account does not show up on my XXXX report of XXXX. In addition, TransUnion has a Department of Education account that doesn't show on my XXXX report. TransUnion has failed to show a signed document with my signature about this account. They also have two incorrect addresses on file. My address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX FL XXXX
Product: Checking or savings account

On XX/XX/2023 {$490.00} and {$490.00} was debited from my account in XXXX, Al at a XXXX gas station for diesel. I do not live nor was I any where around this area. I disputed it with my bank Ameris Bank. At that time the charges were reversed. On XX/XX/2023 Ameris Bank put the charges back on me stating that it was me. I promptly explain to them again that I was no where near that area. They are refusing to return my funds. If they look at my transactions they will see that I do not travel near that area I am a local truck driver and I only work near my home.
Product: Debt collection

I needed to apply for a credit card for my new job. I went to check my credit score to find a card that would work with my score. I saw two addresses that were not mine, and then I saw three collections that were not mine as well. I called the collection agencies, and they told me to get an FTC ID Theft Report. While trying to do that, I was directed to this site. There are three collections : the utility-water bill, the utility-energy bill, and the XXXXXXXX cable bill. I called the collection companies on Saturday, XX/XX/2024, and left voice messages ; no one answered. I reached out to them again on Wednesday, XX/XX/2024, and they told me to file an FTC report, which brought me here. XXXX XXXX : {$1100.00} and {$520.00} XXXX  XXXX XXXX : {$1900.00} XXXX XXXX XXXX {$1800.00} FOREST RECOVERY SERVIC Original creditor : XXXX XXXX XXXX - XXXX Balance details 0 % paid off Balance {$1900.00} Balance updated XXXX XXXX, 2024 Original balance {$1900.00} Account info Account number XXXX Date opened XX/XX/2024 Account type Collection Status Collection account. {$1900.00} past due as of XXXX 2024. 
Status updated XX/XX/2024 Payment summary XXXX  XXXX - XXXX - XXXX - XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Comments Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) Your statement **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Contact info Name FOREST RECOVERY SERVIC Address XXXX XXXX XXXX XXXX, IL XXXX Phone number ( XXXX ) XXXX
Product: Other financial service

In XX/XX/XXXX, I reach out to Fedloanhelp.org to help me to reduce my student loans. They gave me a quote which can reduced the loan payment. When I signed the contract and gave them the bank statement for automatic withdraw in the amount of {$72.00}, I was under assumption that they are not for profit. At the time, I understand I have to make a donation to help the organization with the operation cost. Fedloanhelp.org has been withdrew money from bank account every month since XXXX XXXX, XXXX. Recently, I received the approval for my loan consolidation from Fed Loan XXXX stated that my monthly payment is {$0.00} until XXXX XXXX, XXXX. I look at my bank statement to check for the amount and the address. The electronic check showed the check made payable to Student Loan Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, which was not match with the address that Fed Loan XXXX sent me. I called Fed Loan XXXX and asked them about the payment of {$72.00}. They said the amount never apply to my account, and the amount that Fedloanhelp has been charging me was for their fees because I used the third party. The customer service associate said that all they did was fax the document over. I called Fedloanhelp.org at XXXX to ask them why the amount did not applied to my account. XXXX XXXX from Fedloanhelp said that the amount goes into a trust, which I do n't understand. She said that she is busy with other files, but she will call me back. While I was waiting, I went the PDF document that I had XX/XX/XXXX. The PDF document did not stated the payment goes into an escrow or trust. It said that it will apply to the account. However, in the event that client, which is me, is not happy with the service. I can cancelled and donate the money in Year 1. So, I called Fedloanhelp.org back, and I spoke with XXXX XXXX. I told him that Fed Loan XXXX did n't have any record the payments had made. He said that Fed Loan XXXX customer service did n't know how this thing work. At the same time, I was thinking that if Fed Loan XXXX told me that I do n't have to make any payment until XX/XX/XXXX, and I have to make {$72.00} monthly to Fedloanhelp. Why did the payment has to go into a trust? Why did they send directly to Fed Loan XXXX? What will happened one year from now? I may be out {$850.00} XXXX $ XXXX ) if they wo n't apply the amount that they have been withdrew. So I cancelled the service. Obviously, they are not refunding the amount that I had paid for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX in the total of {$210.00} because this will be in the donation to help them with their operation cost. 
I do n't know if Fedloanhelp.org has ever been violated any laws ; However, I felt like it should n't be complicated and it should be straight forward. 
Even though, I agreed to make the donation. However, I feel like I was strict to pay " fees '' as donation even though they stated as donation. In addition, I feel like fedloanhelp.org has been using the dot org and not for profit as a marketing strategy. On their website, they listed CFPB, XXXX, and couple other websites as compliance.
Product: Credit reporting or other personal consumer reports

It appears that FCRA 605B necessitates the deletion of any erroneous accounts from my credit report. Would you mind examining the documents? A few of the outlined accounts seem to be inaccurate, which is unsettling for me.
Product: Debt collection

These charges is not mines I'm a victim of identity theft XXXX  date XX/XX/year> amount XXXX account # XXXX and XXXX date XX/XX/year> amount XXXX account # XXXX
Product: Credit reporting or other personal consumer reports

I see that XXXX and Experian are reporting XXXX XXXX somewhat negatively on my consumer report without my consent. I have attempted months ago prior to this complaint to call and send in a letter stating that Per the FCRA as a federal protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. I still see that it is on my report even when it shouldn't have been to begin with considering I never gave permission or written consent to report this on my credit reports. Under the Privacy Act of 1974 it clearly states, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. Also, 15 USC 1681b states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. According to the Fair Credit Reporting Act 15 USC 1681a-4, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. XXXX and Experian are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " 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 those customers nonpublic personal information ''. Also, I see a lot of transaction history being reported including the high utilization that's being reported but according to 15 USC 1681a-exclusions, report containing information solely as to transactions or experiences between the consumer and the person making the report. Then 16 CFR 313 - Privacy of Consumer Financial Information, helps back my point that all the transaction history is illegal to report and should not be reported on my credit reporting 's from what 15 USC 1681a section states. Every company in their agreements with consumers said they would follow the law and agreed to do so. They are aware that they are breaking the law and continue to do so daily with prior knowledge of the law they agreed to uphold for the benefit of the consumers and to not undermine the public confidence which is essential to the continued functioning of the banking system according to 15 USC 1681a-1.15 USC 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Inquiries : XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Employers XXXX XXXX  - Incorrect Employers XXXX XXXX XXXX - Incorrect Address XXXX XXXX XXXX - Incorrect Address XXXX - Incorrect XXXX XXXX, XXXX, XXXX - Incorrect Name XXXX XXXX XXXX - Incorrect Name
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of several accounts and inquiries from my credit report. I am a victim of identity theft resulting from a data breach and am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have these fraudulent accounts and inquiries removed. 
Accounts to Be Blocked and Deleted : XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1700.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$690.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$710.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$750.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$440.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$760.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$630.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$200.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1600.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1900.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} Inquiries to Be Blocked and Deleted : XXXX. XXXX - XX/XX/XXXX XXXX. XXXX  - XX/XX/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 - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX 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 - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX VIA DEALER - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX
Product: Mortgage

I did the closing on XX/XX/2022 and the the APR is over 8 %. Because I am paying so much interest, I was trying to pay it off as fast as possible. In XX/XX/2022 I sent a certified bank check of {$140000.00} to be applied toward principal only. However they took the about {$8000.00} as the 5 % prepayment penalty and another % XXXX plus as fees the could explained. After multiple phone calls, they reverse it and brought my balance to {$31000.00}. 

I requested a pay-off quote in XXXX and they wanted to charge me about XXXX more as, again, unexplained fees. After multiple phone calls again the issued another pay-off quote of {$33.00}, plus on XX/XX/2022. I wired transfer the money to them on XX/XX/2022, more than a month before the expiration date, but they still don't want to bring my balance to XXXX. No body in the company can give me an explanation about why. PHH mortgage is a nightmare. I don't believe there is any worst company than This company. They are acting as an organized crime institution. Federal authorities have to get involved to save the consumers from those crooks.
Product: Debt collection

Looking to get validation of Debt owed from Jefferson Captial I never had an account with them, and I never opened an account with them. Need to get validation of debt owed from them directly because I am confused. Need open date directly from Jefferson Captial in writing no other place no other creditor but from Jefferson Captial. I need open date to show proof because if I owe them the debt then I need the original information from them directly. No billing statements but original contract, original documents.
Product: Bank account or service

A payee to whom I wrote a check erroneously cash the check twice for XXXX different amounts. I called Suntrust to address the issue and over a month later it has not been addressed. Call center agents were misleading or incompetent
Product: Credit reporting or other personal consumer reports

This is my numerous endeavor that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The Items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please delete the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX/DOFED XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$6800.00} XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX  XXXX Balance : {$360.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$170.00} XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX