23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I received a 1099-K from Block, Inc. ( formerly Square , Inc. ) issued in my full name and linked to my Social Security number. This document does not reflect my income, as I did not generate any earnings through Block or Square. Recognizing this as fraudulent activity, I immediately contacted both Cash App ( owned by Block , Inc. ) and Square to report the issue.

Cash App deferred responsibility entirely, instructing me to file a police report with my local authorities and report the fraud on IdentityTheft.gov. Despite my request, they refused to investigate the matter further.

I then reached out to Square, which initially escalated my case to their fraud department. However, after two days, I received an email stating that I needed to contact Cash App directly and that no further investigation would be conducted by Square.

Both Cash App and Square allowed someone to fraudulently accept payments using my name and Social Security number without proper authentication. Despite this serious breach, neither company is willing to take responsibility or conduct a thorough investigation. This neglect leaves me vulnerable, as someone continues to operate a fraudulent business under my identity with no intervention from Block, Cash App, or Square.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX are continuing to report an alleged debt from XXXX XXXX that is not correct. There are several inaccuracies within the account as well. 

Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Account Status : Open Closed Closed ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 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.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Money transfer, virtual currency, or money service

Coinbase and theyre bank XXXX  let someone open an account in my name and withdrawal funds from my account and wont do anything to help the situation. I cant get a hold of a live person and they wont respond to my via email anymore. 

XX/XX/2021 - Coinbase Charged me XXXX XX/XX/2021 - Coinbase Charged me 3 seprate times all for XXXX each adding up to XXXX XX/XX/2021 - Coinbase Charged me twice for XXXX each adding up to XXXX that day XX/XX/2021 - Coinbase Charged me XXXX and again for XXXX. 

I few months later when i was doing my taxes i noticed the funds missing. My bank did a investagation but was unable to do anything since it had bee so long. I contacted Coinbase multiple times and the refuse to do anything even though they have since locked the fraudulent account and know it was fraud.
Product: Checking or savings account

On XX/XX/2021, I was contacted by an anonymous woman on XXXX claiming to be a sugar momma and was willing to pay me {$400.00} a week while sending a remaining {$2100.00} to her child and grandmother. On XX/XX/2021, I received a check for {$3000.00} dollars through email from this anonymous woman. I then made a mobile deposit using the check into my account. I then did a XXXX search on this scenario and found out that it was in fact a scam and that I was at risk of going to jail for fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' Equifax and XXXX 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. XXXX XXXX XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 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. XXXX XXXX XXXX XXXX XXXX the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX XXXX XXXX XXXX  whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX XXXX XXXX XXXX, Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 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. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

Numerous credit inquires on credit report that were not authorized. When completing an online search for loans I received numerous cold calls and emails from prospective lenders whom I did not personally contact or solicit this appears to have also generated unauthorized credit inquires. Any inquiry not associated with an account on my credit report is fraudulent and I would like to have them removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was an authorized user on the JP Morgan case account I was removed from that account XXXX months ago however its still recording on my credit and its affecting my livelihood
Product: Mortgage

I have a series of complaints with Wells fargo. 1 I was sold a 10/1 arm mortgage under false pretense. I was approved for a 30yr fixed but was pushed into a loan with bad information, 2 When I was in a small finance hic cup in XX/XX/2014 this came to light so I reached out to Wells fargo for help. The bank steering me in to a HAMP program. # 1 A HAMP program in a MBS. Mortgage Backed security. the lender was WELLS FARGO so they proceed Sent me 7 Home preservation packets thru 5 different agencies all over the country The security was owned By Wells Fargo, They purposely held back this information. not only from the home Presorvation but also the Vice presidents department as well. Sent overwhelming letters that was contradictory to each other SO This put me into a program that has a 100 % Failure rate lead to a forclose., tried to vacate my home, as well as my tenant 's was an attempt to financially sink me Then Maintained this HAMP process for over a year, assuring me success Denied my Loan Mod put me in court under duress and charged me exorbitant fees on the back end of my Mortgage because I had equity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the company to let them know this is not mines, I have asked the credit bureaus to investigate this account as well because i was not living in XXXX in or around the time this account was used. Credit Management Cntrl XXXX { {$770.00} } i even reached out the the data miners at XXXX as well after the company, I also havent recieved apiece of mail to state the truth or why it wont remove. Theres no wet signiture on me and its been in collection without replying with the reason why after i stated this doesnt belong to me that it is reporting. PLEASE REMOVE IMMIDEATLY IF THE PROOF IS NOT SENT IN MAIL IN THE NEXT 15 DAYS ITS WELL OVER 120 PLUS DAYS. i WILL SEEK THE MAX PENALTIES NEXT IF MY FCRA CONTINUES TO BE VIOLATED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under CFPB case  XXXX ,   XXXX   XXXX   informed me that they would initiate an identity theft fraud investigation and informed me of the results after 60 days. The 60 days has passed, and I have yet to receive the findings of the investigation. I have provided   XXXX   XXXX   a copy of a police report filed with the  XXXX  Texas police department and a identity theft report from the Federal Trade Commission.   XXXX   XXXX   informed me of the fraud investigation on  XXXX   XXXX , 2017. I provide them the police report and identity theft report via certified mail (   XXXX    ) which was received by   XXXX   XXXX   on  XXXX   XXXX , 2017.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving consumers vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Vehicle loan or lease

XXXX XXXX is the worst Financial Lender. Incorrect info reporting to the credit bureaus. Status of Account is Voluntary Surrender but called Mercedes Benz Financial and they say the account is suppose to be closed as Early Termination. They have promised to fix this issue but as yet to do so. Its been 6 months. This as caused my credit score to drop 100 points. As far as Im concerned I have know knowledge of this account or what its reporting like this.
Product: Vehicle loan or lease

Due to the TEXAS lemon law they can only report the payments I paid. I paid all my payments on time. When the car broke down, the car can not be fixed. They can not continue to charge me or report me.
Product: Debt collection

The business that Harris & Harris are collecting for - XXXX XXXX - would not let me normally cancel services and my account when I no longer wanted services in XXXX of XXXX. The local locations closed and call centers did not respond. I repeatedly asked to cancel services and attempted several times to cancel services before being told that my account was pending multiple times. I waited several months and this debt was sold to collections. Since Harris and Harris has had this account- they have reported inaccurate timeframes and updated the balance randomly refused to give me any information, refused any negotiation, threatened me by telling me that I have verified this debt and now I could be held legally responsible, and generally harassed me with multiple phone calls a day on some occasions. They reached out to my sister at one point. Eventually to end the harassment I paid this debt on an online portal for a negotiated settlement amount and they refuse to report this account as settled and still report a balance owed even though it isnt possible for me to pay anything through this online portal. They refused any attempt by me to receive physical mail communications or payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX It 's important that these accounts gets removed from my credit report. They have reported the same account more than once. It has already been paid in full. I have tried contacting them directly however they are not willing to delete them from my credit.
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 submission, Equifax consistently responds within 24 hours stating 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 ) - ( 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 federal law and provides consumers with the necessary proof of investigation. 

These are the accounts I marked as inaccurate : XXXX XXXX
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may incl
ude emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I have asked for an audit of my account because of all the unknown fees charged to the account. My mortgage payments has been applied to an escrow account that was closed in XXXXXXXX XXXX XXXXXXXX. My mortgage contract states all mortgage payments are to be applied to the principal and interest only. This is not the case with AD Mortgage. I have never been late on the mortgage payments until XX/XX/XXXX when AD Mortgage would not allow me to make my mortgage payments on line like I have always done. AD Mortgage refused to apply my mortgage checks for XXXX and XXXXXXXX XXXX XXXXXXXX payment and held them until XX/XX/XXXX and reported to the credit agencies my payments were late. I did dispute this and nothing was done, this has caused damage to my credit worthiness and a hardship for me. AD Mortgage goal is to FORCE a escrow account on me, which I refused to do because AD Mortgage failed to pay my Insurance yearly premiums out of the escrow account I did have at that time. I was without homeowners insurance XXXX and I did not know until I return home in XXXX from a two month business trip. AD Mortgage goal now is to default me on this loan. I have suffer financial loss, hardship and undue stress with AD Mortgage attacks, Fraud and mishandling my account and charging unknown fees
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a federally protected consumer and my rights are being violated per title 15 1681 " The Fair Credit Reporting Act '' by several credit reporting agencies ( Transunion, XXXX and XXXX ). I have been trying to resolve my hardship that the credit reporting agency have caused me for over a year now. I am a victim of fraud and have filed complaints with the Federal Trade Comission as well for Identity Theft. I have fraudulent accounts appearing on my credit file which is harming my general reputation. I am going to list several violations per the FCRA that the credit reporting agencies have violated. Notice, it is a fact, I, XXXX XXXX is a consumer has the right to privacy pursuant to 15 U.S.Code 1681 ( a ) ( 4 ). Transunion, XXXX and XXXX has violated my right to privacy by furnishing private information about me without any lawful authority or my written consent. it is a fact, XXXX, Transunion and XXXX is aware, a consumer must be given a chance to direct whether they want the information about a transaction to be reported or not. This is referenced in the Gramm-Leach Bliley Act. Affiant was not given the chance to opt-out of having this reported information about. Notice, it is a fact, XXXX, XXXX and Transunion is aware, transactions authorized by my credit card, and credit card is defined in both FCRA and has the same as the definition in TILA as any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Thus making my social security card a credit card. This account was authorized by my social security card, a credit card and therefore must be excluded from my consumer report. This reported information published on my consumer report shown. Notice, it is a fact, Transunion, XXXX and XXXX is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition XXXX, XXXX and Transunion has committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( 2 ). Notice, it is a fact, XXXX, XXXX and Transunion is aware, each requirement of the FCRA which the credit reporting agency fails to comply with, holds the company liable for {$1000.00} per action and pursuant to 15 U.S.Code 1681i when an investigative report is prepared, no adverse information in a consumer report may be included in a subsequent consumer report unless the reported was verified. Each month this false information was incorrectly verified making credit reporting agency liable for each consecutive reporting.
Product: Credit card or prepaid card

My small business, XXXX XXXX, is a Service XXXX Veteran Owned Small Business that does contract fulfillment for the federal government. We bank with Bank of America, and have a corporate credit card with the company. Recently a a supplier over charged my corporate credit card in the amount of {$40000.00}. The overcharge was credited back to the account on XX/XX/XXXX. 

I have contacted Bank of America over 20 times attempting to have the credit returned to my BofA checking account, and thus far have been unable to have the money returned. Most of the calls I am transferred around until I eventually hang up, but recently I have been told that the money is being transferred back to my account, only to never have it arrive. On subsequent calls, BofA claims they have no record of the transfer request, and that they will wire the money within 24-48 hours. 

At this point I am out of options. I have exhausted all avenues to have my money returned to my checking account, and I am hoping that the government can help this XXXX stay solvent. 

Please help!
Product: Checking or savings account

On XX/XX/XXXX I was called by a verified Bank of America customer service number XXXX. The correspondent said his name was XXXX from the Bank of America fraud department. XXXX mentioned that there had been some activity on my account from Wisconsin. I live in XXXX, NC and had no connection. I was skeptical at the call but what had got me was the fact that XXXX knew the last XXXX digits of my social security number, date of birth, and last XXXX of my account number. After I complied with this caller, my account was wiped of {$3400.00}. I was very disappointed, because how can I trust any Bank of America number after this happened to me. I usually dont comply with calls like this but that fact that a correct Bank of America number called me 4 times spark a concern from me. I dont know if this is the right people to report this too but I am concerned not just for myself but for others who might be put in the same situation.