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 the Consumer Financial Protection Act ( CFPA ). Specifically, Cash Appfailed 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 Regulations E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

It has come to my attention that CAPITAL ONE is reporting my transactions for account # XXXX with its company to the consumer report. You have reported a transaction on this account on XX/XX/2024 between the consumer XXXX XXXX and yourself CAPITAL ONE and according to the FCRA 15 USC 1681 A ( 2 ) ( a ) ( 1 ) except as provided in paragraph 3 the term consumer report does not include reports containing information solely as to transaction history between XXXX XXXX and CAPITAL ONE my transaction history is excluded from the consumer report. Delete this transaction history from the consumer report.
Product: Money transfer, virtual currency, or money service

I have submitted support tickets since XX/XX/2020 several times with no response. 

I can not withdraw my funds to my bank or another wallet due to email confirmation to such acts issue ( lost only the email access ) They have always helped me out in the past though this time it seems as if they stopped trying to help me with email changes.
Product: Money transfer, virtual currency, or money service

I AM WRITING TO FORMALLY EXPRESS MY CONCERNS REGARDING ZELLE 'S HANDLING OF DISPUTES PARTYICULARLY 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 INFORMOD ME THAT RECOVING LOST FUND WAS IMPOSSIBLE AND THAT TRACKING THESE TRANSACTIONS WAS UNFEASIBLE. THE CFPB 'S FINDING 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. THIS LACK OF ACCOUNTABILITY AND TRANSPARENCY IS UNACCEPTABLE AND RAISES SERIOUS CONCERNS ABOUT CONSUMER SAFETY.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I send a request to Equifax and XXXX to investigate errors on my credit report. By law, I should have gotten a response by XX/XX/XXXX. I did not. I have not yet received my investigation results. Last week, I even sent a follow-up letter to both. The follow-up letter has also gone unanswered.
Product: Credit reporting or other personal consumer reports

Enclosed within this notice is a list of unauthorized inquiries and attached is an Affidavit of Truth. The following inquiries must be removed : SEE ATTACHMENT To ensure fair and accurate credit reporting, the Fair Credit Reporting Act ( FRCA ), 15 U.S.C. Section 1681, imposes various requirements on a consumer reporting agency ( CRAs ), such as TransUnion. Congress designed the FRCA so that consumers could request information in their file and then correct inaccurate or misleading data.
Product: Checking or savings account

On XX/XX/XXXX I made a cash deposit into my Chime checking account. It was successful. I verified the deposit in the Chime application the same day. I then attempted to transfer {$200.00} from my Chime checking account into my Chime Savings account on the same day XX/XX/XXXX. This was an intra-institutional transfer that usually is instantaneous. The money was shown as leaving from my Chime checking account but not reflected in my Chime savings account balance. I attempted to call Chime customer service around XXXX XX/XX/XXXX and was told by a Chime customer service agent that my issue would be resolved within XXXX hours from the end of the call. XXXX hours later I made several more attempts to Chime customer service because the issue has not been resolved. I was still missing {$200.00} and had been denied access to my money for almost XXXX hours. As of writing this no remedy or relief has materialized from Chime despite admission of fault by Chime representatives.
Product: Checking or savings account

There was 4 transactions from my business account with Square/Block date ranges XXXX. Only one of the transactions were valid in the amount of {$800.00}. I have filed disputes for the remaining three of {$840.00} ( charged twice which transaction has been provisionally credited already ) and {$760.00}. The one in question of {$760.00} was denied and the reason stated was the card was used with chip and based on my response the card was in my possession. 

That is inaccurate, because I reviewed the form that I submitted, and it states that I responded to the question as the card was not in my possession, but I had made purchases with the merchant before. I have the screenshot of the form I submitted and the company 's response. 

I lost my wallet and yes the card was used after the time I presented the card for the valid transaction.
Product: Debt collection

MiraMed Revenue Group has called me over and over again for the last 60 days - but I paid the bill directly to XXXX ( the original company who invoiced me ) on XXXX/XXXX/2016 and have confirmed that directly with them. 

MiraMed called on XXXX/XXXX/2016. I returned the call on XXXX/XXXX/2016 at XXXX and informed them that the bill had been paid and that they were pursuing the debt collection erroneously. I provided receipt information and asked that they never call me again. 

MiraMed call me again, despite being told not to ever call again, on XXXX/XXXX/2016 at XXXX. Again, I informed them that the bill had been paid and to never call me again. Mid-sentence, the operator hung up on me. 

MiraMed called me again on XXXX/XXXX/2016 at XXXX. I did not answer the call. 

MiraMed called me again on XXXX/XXXX/2016 at XXXX. I did not answer the call. 

MiraMed called me again on XXXX/XXXX/2016 at XXXX. I answered the call and told them for the 3rd time that the bill had been paid and to stop calling me. I told them that I would report them to the FTC and said to never call me again. The operator continued to push me to make a payment and I refused. The operator then hung up on me. 

MiraMed has harassed me over a debt that should never have been in collection in the first place. They 've called me a total of 6 times - or 5 times after being notified to never contact me again. I 've communicated with them multiple times to stop calling. I contacted the original vendor and asked them to make sure I was removed from collection, as well, and they 've indicated that I should have been removed. MiraMed continues to call on a debt I do not owe.
Product: Debt collection

I do not owe phoenix any money. I do not have a contract with this company. Im requesting they stop reporting this negative item on my credit. Im requesting they ceast & desist and to only contact me by postal service. And since Im asking you to ceast and desist. You cant report any negative items on my credit. Delete this negative items ASAP. Or I will sue you In court. Fcra lets me to sue you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act, Experian, XXXX XXXX, XXXX have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX XXXX XXXX acct # XXXX NO CONTRACT XXXX XXXX is using my identity and saying that I owe them this is fraud According to the 15 U.S.C. 1681 Section 602 states I have the right to privacy ; The Right to Financial Privacy Act of 1978 15 U.S.C. 1681 ( a ) ( 5 ) states that no consumer reporting agency can make any consumer report containing any of the following items of information or any other adverse information other than records of convictions 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt.

reporting adverse information has affected my livelihood, causing me to be oppressed 1006.6 code of federal regulation states that a debt collector must not communicate, in connection with the collection of any debt, with any person other than consumer 15 U.S. Code 1692f A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt.

15 U.S. Code 1692j It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection 15 U.S. Code 1681b no written instructions of the consumer to whom it relates.

Credit bureaus not letting me know how my credit information is being used is a direct violation noT the FCRA
Product: Mortgage

The company is Rushmore Loan Management. I fell behind on my mortgage after my hot water tank and dryer broke, and cellar flooded in XX/XX/2022. To add to the challenges, my fianc was diagnosed with a rare type of XXXX XXXX. With an income of only {$1500.00} a month, I had to deplete my savings to cover the expenses of buying new appliances and dealing with the floods. Additionally, I had to bear the burden of taking my fianc to numerous XXXX and XXXX treatments XXXX miles away, sometimes on a daily basis. 

Paying the loan has become even more difficult due to the fact that they don't accept debit card payments. I've exhausted my life savings, and now they're suggesting another loan modification that might increase the interest rate. Despite agreeing to almost double my mortgage payment to catch up, it hasnt worked I fell behind again. Moreover, they incessantly call me at all hours of the day, creating additional stress. 

Well, that's my rant for the day!
Product: Credit reporting or other personal consumer reports

Complaint Type : XXXX XXXX XXXX : Violation of IRS XXXX XXXX FCRA XXXX XXXX Reporting & Inaccurate Credit Reporting Details of the Complaint : I am filing this complaint against the following creditors for violating IRS regulations XXXX the Fair Credit Reporting Act ( FCRA ), and consumer protection laws by improperly reporting charged-off accounts and alleged late payments on my credit report. 

XXXX. Improper Charge-Off Reporting According to IRS regulations XXXX IRS Form XXXX, Cancellation of Debt ), when a creditor charges off an account and reports the cancellation of debt to the IRS, the amount is considered income for tax purposes. Once a debt is charged off and reported as a canceled debt, it can no longer be reported to the credit bureaus as an outstanding balance or active derogatory account. 

Despite this legal requirement, the following creditors continue to report charged-off accounts on my credit report, which is an illegal practice and constitutes double jeopardy in financial reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX. 
XXXX. Improper Alleged Late Payment Reporting Additionally, under FCRA 15 U.S.C. 1681a ( d ) ( 1 ), creditors are prohibited from reporting " transactions and experiences '' directly with the consumer to credit bureaus. These accounts should not be reported as alleged late payments in violation of consumer protection laws. Despite this, the following creditors have improperly reported alleged late payments on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX Laws Violated : IRS Regulations ( IRS XXXX XXXX & XXXX XXXX ) Once a debt is canceled and reported as income to the IRS, it can not be simultaneously reported as a collectible debt on credit reports. 
Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681a ( d ) ( 1 ) Creditors can not report " transactions and experiences '' related to internal bookkeeping or charge-offs as active derogatory accounts. 
Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) Prohibits the reporting of inaccurate or misleading information to credit bureaus. 
XXXX XXXX : Immediate removal of the improperly reported charge-off accounts. 
Immediate deletion of the alleged late payments. 
A formal investigation into the ongoing violations and unfair reporting practices. 
Compliance assurance from the creditors that they will follow IRS and FCRA laws regarding charge-offs and canceled debts. 
I request the Consumer Financial Protection Bureau ( CFPB ) to take immediate action to enforce federal regulations and protect my rights. 

Sincerely, 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

XX/XX/XXXX I attempted to get a loan and was not able to because I was not showing a FICO score, even though I have a credit card with XXXX XXXXXXXX and student loans with XXXX XXXX. I called all three credit bureaus, XXXX XXXX and XXXX to get the issue fixed. My creditors confirmed that they reported to all three credit bureaus monthly. However, that was some issue from the time that information left the creditors and was received by the credit bureaus as I saw that all three bureaus did not reflect that I have a credit card, student loans or both. Just three weeks ago, I was finally able to get this issue fixed by contacting XXXX XXXX and informing them of this issue once more. I now see that my credit card and student loans are reporting to all three credit bureaus. The mortgage loan officer was able to pull my credit again on XX/XX/XXXX and was finally able to receive a score from XXXXXXXX and XXXX. However, he is still unable to pull a score from Equifax. The corporate processor, loan officer and myself have all called Equifax to get this issue resolved. I just spent the past hour on the phone with a representative who was unable to assist and gave me a number ( XXXX ) to call and see if they could assist. The representative offered to give me my credit report. I told him that I could see my credit report on the Equifax website and do not need that information. I explained that I needed to figure out why Equifax was not reporting my recent information to XXXX XXXX. The representative said that he would not be able to assist me. I asked for a different department that handles credit reporting specifically. He sat silently on the phone for 10 minutes and then hung up. Attached is a copy of the report from XXXX XXXX that was pulled on XX/XX/XXXX. You will be able to see that my information is reflected with XXXX and XXXX but not with Equifax. Equifax has been the least helpful of the 3 for the past year and it has become beyond frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX  XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX  XXXX Balance : {$3600.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$470.00} ; XXXX  XXXX Balance : {$9900.00} ; XXXX  XXXX XXXX Balance : {$47.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$300.00} ; XXXX  XXXX XXXX XXXX : {$58.00} ; XXXX XXXXXXXX Balance : {$230.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( OriginalCreditor XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$310.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXXXX/XX/2022 ; XXXX ; XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that EXETER XXXX XXXX has denied me of credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ). As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( L ) making XXXX XXXX XXXX XXXX an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. Furthermore, that is an Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. This is my request! It is shocking to me that EXETER XXXX XXXX takes pride in their ignorance of Consumer Protection. As a result of the adverse action provided to me. I have lost confidence within the banking system
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$9500.00} XXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$9600.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$6000.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau posted unauthorized credit inquiries on my credit profile. I have requested a full investigation to verify these and the credit bureau has not provided their verification sources they sent me a letter saying that they have verified these inquiries.

I want to reference several sections of the Fair Credit Reporting Act ( FCRA ) to support my dispute.

Section 605B - This section of the FCRA requires consumer reporting agencies to block the reporting of fraudulent information on a consumer 's credit report, including fraudulent inquiries. If I believe that a hard inquiry on your credit report resulted from fraud, I can request that the credit reporting agency block the inquiry from my credit report.

Section 611 - This section of the FCRA outlines my rights to dispute inaccurate information on my credit report. If you believe that a hard inquiry on my credit report resulted from fraud, I can dispute the inquiry with the credit reporting agency and provide evidence of the fraud, such as a police report or affidavit.

Section 623 ( a ) ( 2 ) - This section of the FCRA requires consumer reporting agencies to conduct a reasonable reinvestigation of disputed information on a consumer 's credit report. If I dispute a hard inquiry on my credit report that I believe was the result of fraud, the credit reporting agency must investigate my dispute and either remove the inquiry from my credit report or provide me with evidence to support its inclusion.
Product: Checking or savings account

THE FIFTH MONTH MY ACCOUNT IS INACCESIBLE!! 

TO : THE CONSUMER FINANCIAL PROTECTION BUREAU WHY HAVE NOT YOUR OFFICE INTERVENED??? 

THESE ARE CLEAR VIOLATORS, WHY ARE THEY NOT BEING ENFORCED?!! 

I WILL INFORM AS MANY LAW ENFORCEMENT AGENCIES POSSIBLE AT THE FEDERAL LEVEL TO INVESTIGATE THE BUREAU AND WHY THE ENFORCEMENT WING HAS NOT RECTIFIED THE PROBLEM BETWEEN I, THE CUSTOMER, AND THE CRIMINAL ACTIVITY OF CAPITAL ONE 360 CAPITAL ONE FINANCIAL. 

CAN I EMAIL A REPRESENTATIVE OF YOUR DIVISION OF LAW ENFORCEMENT DIRECT TO INQUIRE? 

I WILL NOTIFY THE POLICE CHIEF IN VIRGINIA, THEN THE FBI, THE JUSTICE DEPARTMENT - AGAIN!!
Product: Debt collection

I NEVER had an XXXX XXXX Account ending in XXXX. I do NOT owe XXXX XXXX any money. The Account Balance is XXXX. XXXX XXXX has all my correspondence and can provide XXXX XXXX XXXX copies. 

This is the second DEBT Collector that XXXX XXXX has sent after me. I wrote to XXXX XXXX XXXX, explained that XXXX XXXX Account XXXX is FRAUDULENT. XXXX XXXX XXXX stopped contacting me but did NOT resolve the problem. 

XXXX XXXX just assigned the FRAUDULENT Debt Account XXXX to XXXX XXXX XXXX and XXXX XXXX XXXX is HARASSING ME.
Product: Checking or savings account

I received emails to my personal email address on XX/XX/23 about a Citizens Bank application that I did not submit. I called Citizens Bank that day to request information, and the representative searched for accounts using my social security number. She told me there were no open accounts and to disregard the emails. 

I kept receiving emails, so I contacted them via Chat and they told me there was an open account now. They would not close the account because my mailing address is different than the one I have on file. I explained that the fraudster likely used a fake mailing address.
Product: Vehicle loan or lease

I became XXXX and was XXXX and XXXX XXXX  I informed the company after sometime they came to get my car and it wasnt at the location it broke down I told them exactly where the car was and all this was 9 years ago and its still on my credit and recently in XX/XX/2023 there is a new inquiry from them
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple unauthorized inquires on my credit file. I have attached a copy of my etc report as well. 

XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have spoken with, on a number of occasions this year as well as the past 2 years to two agencies about their reporting practices. I've asked both Midlan Credit Management and XXXX to STOP REPORTING without my consent. 
I don't know who they are nor have I agreed to contracting with either company. Furthermore, I haven't given my consent to anyone to share my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax supplied an answer to a complaint to the CFPB on XX/XX/2020 stating that they removed 2 credit inquiries on my credit report. One for XXXX and one for XXXX XXXX. to today 's date and after several phone calls to Equifax after they said these were removed they continue to post these inquiries that do not belong to me. 

They also continue to report bankruptcy which should be removed as the others have and even XXXX has removed it from their database. 

Also once again they have a suffix at the end of my name and I have no suffix. I have no issues with any other credit reporting agency except equifax. 

DOES ANYONE HOLD THESE INCOMPETENT IDIOTS ACCOUNTABLE FOR XXXX  WITH PEOPLES LIVES????? THEY NEED THE XXXX SUED!!!