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

( 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 redres for these violations. 
I want the CFPB to publish this description on consumerfinance.gov
Product: Credit reporting, credit repair services, or other personal consumer reports

Fair Credit Reporting Act 15 USC1681 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, they have gone against their grave responsibilities, I am the Consumer. I have the right to make sure my private information isn't shared 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. '' ( Furnisher of information to credit agencies ) 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. '' ( Furnisher of information to credit agencies ) 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, ( Furnisher of information to credit agencies ) 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. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. 

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

I applied for a position with XXXX XXXX XXXX ( XXXX XXXX XXXX ). I authorized XXXX to obtain information from a third party, First Advantage consumer reporting agency. First Advantage reported inaccurate information on XX/XX/XXXX. XXXX sent a letter to me dated XX/XX/XXXX that they may rescind my job offer based on information submitted in the report by First Advantage on XX/XX/XXXX. XXXX told me I had 5 days from XX/XX/XXXX to contact them to dispute the accuracy of the First Advantage background report. I contacted XXXX by email and phone on XX/XX/XXXX and told them that the information received in the background report by First Advantage was incorrect and that I was disputing the accuracy from First Advantage to XXXX as well as First Advantage. I then contacted First Advantage on XX/XX/XXXX and put in a dispute ( dispute # XXXX & XXXX ). On XX/XX/XXXX, I received an email with a copy of a letter dated XX/XX/XXXX from XXXX that XXXX made a final decision to rescind my job offer. This decision was made before they even received the updated dispute information from First Advantage. First Advantage completed their report on XX/XX/XXXX. First Advantage did not even submit the update information to XXXX until XX/XX/XXXX. On the original background report dated XX/XX/XXXX, First Advantage reported outdated negative information to XXXX that was more than seven years old on my criminal background. They reported inaccurate information on " Search Type-Felony and Misdemeanor Record Search '', Case # XXXX, " Case Date '' was outside the seven year search period as requested by XXXX. Additionally the " Sentence '' was reported inaccurately. First Advantage submitted update to XXXX on XX/XX/XXXX after XXXX had already made their final decision to rescind my job offer and did not even bother to review nor consider the mistakes made by First Advantage because they had not received the updated report submitted by First Advantage to XXXX on XX/XX/XXXX. I believe that because of the inaccurate information submitted by First Advantage on my criminal background on the 1st report, this caused XXXX to make a biased decision on my character which caused my job offer to be taken away. I also think that XXXX made an unmerited decision without the correct information of my background history and gave me the impression based on the letter I received from Human Resources Client Manager, XXXX XXXX that the final decision to rescind my job offer would be based on the updated information received from the consumer report after the dispute was completed.
Product: Credit reporting or other personal consumer reports

I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to PAID/NEVER LATE and send me a copy of my updated credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE REPORT! 
It is YET ANOTHER COMPALINT generated by an email I received TODAY that further demonstrates the total lack of competence and the ignorance demonstrated by employees as far as addressing issues. 

The letter, attached, once AGAIN asks for the SAME INFORMATION that has been submitted to the reporting agency again and again - literally dozens of times. 

This is evidenced through the information being memorialized with this agency in complaints forwarded to the reporting agency that are on file. 

The reporting agency not only is not reading this material and accepting it, but continues to send " canned '' responses that are not clear to recipients. I have attached a copy of this document to this complaint, as well as notes within the PDF that point out the discrepancies. 

The letter asks the reader to " address the items needed at the end of the letter '' - but then fails to list ANYTHING. 

As stated above it also asks for demographincs, ID, file numbers, account numbers, copies of reports, utilities etc - THAT HAVE ALL BEEN SUPPLIED AND ARE ATTACHED TO THE COMPLAINT AND REQUEST TO BLOCK INFORMATION. 

EVERYTHING the reporting agency asks for IS IN THE ATTACHED DOCUMENTS. And there are over XXXX documents attached. 

There is a reference - totally out of place - within the email asking ONCE AGAIN for the report to be " filed with law enforcement. '' The reporting agency IS WELL AWARE AND HAS ADMITTED OVER THE PHONE THAT THE REPORT ON FILE SHOULD BE ACCEPTABLE - that both a " Law Enforcement '' ( XXXX ) report AND an FTC report is on file for EACH OF THE REQUESTS and that report ( FTC ) is CLEARLY highlighted showing the accounts. 

You can not file the same issue again. Once is acceptable. 

AND the police - who referred me back to XXXX when I asked to " file the report '' noted that THE CASE IS CLOSED AND THEY WOULD NOT TAKE A DOCUMENT ON A CLOSED CASE THAT WOULD NOT EVER BE REOPENED. 

FURTHER- they noted THAT THEY WOULD NOT TAKE THE REPORT ANYWAY IN ANY CIRCUMSTANCE AS IT INVOLVED A VULNERABLE ADULT AND CHILD AND WOULD BE AND WAS REFERED TO APS ( they have this report ) THEN AND NOW AS MANDATED BY PROPER PROCEDURE. 

The reporting agency continues to ignore this fact of law and in an attempt not to deal with the situation simply refers it back to the vendor - who then sends them the file with the same information. 

HOWEVER - THIS INFORMATION IS STILL BASED ON FRAUD. It is NOT ACCURATE IN THE MANNER THAT IT IS NOT MINE AND I DID NOT MAKE THESE PURCHASES! 

The XXXX report CLEARLY denoted this and it is a LAW ENFORCEMENT REPORT. 

The letter also CLEARLY DELINIATES that the complaint with the FTC is an acceptable form of a complaint that " subjects one to penalties '' as defined by the FCRA. 

The agency needs to BLOCK ALL OF THESE ITEMS IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a stellar credit report for 30 years but recently my open debt mounted. Suddenly XXXX XXXX and other credit cards cancelled credit card accounts that were in some cases XXXX XXXX XXXX and were not delinquent. My complaint is that I paid off these debts as soon as I could and in complete within a month or two of these cards closure. Now they show as settled accounts. But settled accounts implies I paid less than what I owed or I used an agency to negotiate on my behalf. I actually have always paid my debts in full. I do not want any credit agency to reflect that I do not pay my debt and I want to correct the record. I am an upstanding citizen and my wife and I are XXXX. Please help correct my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, Equifax, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$170.00}, XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$880.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXXXXXX Open Date XXXX XXXX, XXXX Balance : {$330.00}, XXXX  XXXX XXXX Open Date : XX/XX/XXXX Balance : {$190.00}, and XXXX  XXXX XXXX Open Date : XX/XX/XXXX Balance : {$100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I faxed a letter to EQUIFAX last XXXX of XXXX to dispute the XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX / XXXX, OPENED XX/XX/2012 they are reporting on my credit report. To my surprise, a rep named XXXX called me from Equifax asking me what account I am disputing when it clearly shows on my letter which account it was. As I write this letter, this incorrect/invalid account continues to damage my credit file and Equifax doesn't seem to have done anything from the XXXX of XXXX when my first correspondence was sent and received by them. This is a clear violation of FCRA. I am attaching a copy of the letter I sent them last XX/XX/XXXX and a copy of the letter I am sending them again today, XXXX XXXX. I am demanding a copy of the documents used for the verification, name and contact info of the person whom they've verified this account info. I will not tolerate their continued negligence and none compliance and I will seek legal assistance if necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions. ''
Product: Credit reporting or other personal consumer reports

There is an old chargeoff on my account. It is WELL PAST the DOFD. Experian is impossible to contact. FCRA law dictates it needs to be removed. XXXX has removed it ( see attachment ) as well as XXXX so unsure why Experian refuses to? I have sent letters and called. REMOVE THIS FROM MY REPORT. I would also like to add XXXX Bank has repeatedly lied to CFPB stating they don't recognize my account ( I provided proof ). My credit jumped from XXXX to XXXX on XXXX and I need Experian to obey the law and remove this ancient charge
Product: Payday loan, title loan, or personal loan

I have a personal loan with Discover. I have automatic payments setup to be paid by the XXXX of the month. No problem, those are applied. 

But, I would like to pay extra on the principal amount and I asked how I can go about and do that. Here is their reply : Dear XXXX XXXX, Thank you for contacting us regarding your personal loan with Discover. 

We received your request about making a payment to the principal only. The easiest way to do this would be to combine the amount you want to make toward your principal with your regularly scheduled monthly payment. 

Any amount exceeding your Scheduled Payment amount that is included with your Scheduled Payment will be applied to your account as follows : 1. Unpaid late fees 2. Accrued and unpaid interest 3. Unpaid principal amount But, should we NOT be allowed to make extra payments on the principal amount? I understand # 1, but not # 2. 

Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have five collection accounts on my credit report by three companies called XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. The two collections from XXXX XXXX XXXX are for {$770.00} and {$540.00}. The two collection accounts from XXXX XXXX XXXX are for {$580.00} and {$490.00}. The one collection from XXXX XXXX XXXX is for {$350.00}. All of these accounts are fraudulent reports for alleged debts that have never been validated and the company never sent me a notice of debt or a chance to even validate the debt. XXXX XXXX XXXX and XXXX XXXX XXXX responded to my complaint on CFPB showing that I was correct, and they notified all three credit bureaus to tell them to remove the collections from my credit report due to the violation. XXXX has started to remove the accounts from my credit report but failed to remove two of the erroneous and fraudulent collections. Experian and XXXX have failed to remove the collections or properly investigate the situation in regard to my FCRA rights. Please investigate as to why these credit bureaus have dropped the ball on their investigations and why their reports and scores are so different than each other.
Product: Credit card or prepaid card

There was around XXXX dollars worth of charges made to my Home Depot Citi card back in XXXX. I sent in a fraud statement along with an identity theft deport when I discovered the charges. They responded with a letter saying the investigation was done and I was responsible for the charges. The account was closed and it was removed from my credit reports, but they kept sending me bills for the charges, and now sent a letter saying they are going to turn it over to an attorney. I have no idea what kind of investigation they could have done that showed this was me making these charges. I never even went into a Home Depot etc. The card was misplaced and someone used it! I have continued paying on the account, but have asked an attorney about my rights and they informed me to write one last time, and save all my correspondences before they proceed. So that's what I am doing.
Product: Debt collection

XXXX disputing this account, no knowledge of it. From all credit bureaus
Product: Debt collection

The balance is incorrect I have paid the original creditor, I have also went to Central Portfolio XXXX 's website and it states the account is paid in full. On my credit profile it is still showing there's a balance for this account and it's invailid.
Product: Checking or savings account

Opened account on XX/XX/XXXX with a promo code XXXX I received in the mail for a {$500.00} bonus after depositing {$5000.00} and completing 5 qualifying activities. Ive completed the requirements but the bank is now saying I needed to maintain the {$5000.00} in the account for 60 days. There was nothing in the terms saying the {$5000.00} had to be left in the account for 60 days. 


Offer valid through XX/XX/XXXX. 
Promo code XXXX MUST be used when opening the business checking account. 
This offer is only valid for the addressee and is not transferable. 
A {$100.00} minimum deposit is required to open a U.S. Bank Silver, Gold, Gold Business Checking with Interest, or Platinum Business Checking account. 
Earn your {$500.00} cash bonus by opening a new U.S. Bank Silver Business Checking, Gold Business Checking, Gold Business Checking with Interest, or Platinum Business Checking account before XX/XX/XXXX. You must make new deposit ( s ) of at least {$5000.00} in new money deposits ( Direct, Mobile, ACH or Wires ) within 30 days of account opening. The new money deposit can not be funds held by U.S. Bank or its affiliates. Additionally, an individual signer on the new checking account must be enrolled in U.S. Bank online banking or the U.S. Bank Mobile App within 90 days of account opening and complete 5 qualifying transactions : Debit card purchases, Merchant deposits, ACH credits, Wires credits/debits, Mobile Check Deposit and Bill Pay within 90 days of account opening. 
The cash bonus will be deposited in your U.S. Bank business checking account within 45 days of offer qualification verification, if the account is open and has a positive balance. 
Offer may not be combined with any other business credit card or checking account bonus offers.

Offer is not valid if you or any signer on the new business checking account have an existing U.S. Bank business checking account or had a U.S. Bank business checking account in the last 24 months.
Product: Credit reporting or other personal consumer reports

Someone who probably has my personal information applied to get credit cards causing so many inquires on my credit reporXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX # XXXX before you guys put out a report on my credit can you make sure everything is accurate!! otherwise delete it..it 's USELESS REPORTING... 
date last active XXXX  says XX/XX/XXXX, XXXX  says XX/XX/XXXX while equifax says XX/XX/XXXX ... who's correct? don't you guys have the same source? so why are the dates different??!! EXACTLY!! DELETE THIS USELESS REPORTING!! THIS IS WHAT YOU call BLIND INVESTIGATION!!
Product: Vehicle loan or lease

VEHICLE LOAN WAS APPROVED ; CONTRACT WAS SIGNED ; THEN DENIED. 

I traded in a XXXX vehicle to purchase a XXXX vehicle at XXXX XXXX in XXXX XXXX, MD. The loan was approved by XXXX on XXXX/XXXX/XXXX for a loan of {$88000.00} aXXXX XXXX XXXX 84 monthly payments of {$1200.00}. The car dealership prepared all of the paperwork which I signed. With financial approval, I took possession of the vehicle and drove it home. 

A few days passed, and the car dealership called me to say that XXXX reversed the loan approval based on my prior history with them. ( I had previously XXXX a Bankruptcy XXXX debt for {$1000.00} with XXXX XXXX on XXXX XXXX, XXXX ). XXXX XXXX attempted to resolve the issue with XXXX on my behalf stating that the incident occurred over 17 years ago, but to no avail. 

I received a letter mailed from XXXX dated XXXX/XXXX/XXXX ( received on XXXX/XXXX/XXXX ) stating that they were unable to approve my loan due to XXXX has Caused XXXX to Suffer a Loss. The letter stated that XXXX obtained my credit score from XXXX and used it in making their credit decision. My credit score was XXXX. 

The unfair credit practices are that XXXX denied me a loan unfairly as my credit score represents good or 'very good ' for credit worthiness and they relied on outdated circumstances from 17 years ago without providing me the opportunity to explain my past hardship and/or my current financial standing. 

As a financial institution, loan approval must be based on existing information contained on the credit report. The actions of the Pentagon Federal Credit Union were not based on the Fair Credit Reporting Act, using information that exceeded the statute of limitations for credit reporting practices. They treated me disparately from other applicants who must have been approved for loans with a credit score LESS THAN XXXX and/or with prior adverse circumstances.