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

On XX/XX/XXXX, I received a XXXX form from Block Inc. f/k/a Square, Inc./Cash App stating that I earned {$77000.00} in revenue during XXXX and XX/XX/XXXX. I initially thought that the form came from Square, as I have an unused business account with them though I didn't have any transactions with them during XXXX. My account showed that I did not do any business and that they did not issue a XXXX form. I contacted Square and they used the account number on the XXXX to determine that it did not come from them. On XX/XX/XXXX, they stated that it came from Cash App and advised me to contact them. However, I do not, nor have I ever had a Cash App account. 

On XX/XX/XXXX, I contacted Cash App by phone and explained my situation to them. They said that they would escalate my concern to the tax department. 

On XX/XX/XXXX, I received the following response : " If you would like to further pursue this claim, you may wish to contact local law enforcement. Cash App will cooperate with any active investigation and provide any supporting documentation that may assist with their investigation in the matter. 

Law enforcement agents may submit a request for information electronically ( https : //block.xyz/legal/government ) Note : Block does not respond to correspondence sent by non-law enforcement/ government agencies to the addresses above. 

Thanks, XXXX '' On XX/XX/XXXX, I reached out again via email attempting to clarify my situation and asking for a corrected XXXX form. The responded again that they would not speak with me but only law enforcement officials. 

On XX/XX/XXXX, I reached out via X ( XXXX ) on and received the same first response as I had received via email. 

On XX/XX/XXXX, I was in contact with the Maryland XXXX Attorney XXXX XXXX and was instructed to review my credit reports and XXXX XXXX, all of which came back clear. It was determined that it was not likely a case of identity theft. This contact asked me to speak with Cash App XXXX more time to explain this to them. 

On XX/XX/XXXX, I called Cash App and I was given a link to create a ticket, however you must be a Cash App account holder to access the link. Again, I am not a Cash App user. 

The tax deadline is approaching and this is a time sensitive issue. Not having the correct information reported to the IRS will create a significant tax liability. 

I am happy to provide screen shots of customer support emails from Square and Cash App as needed.
Product: Payday loan, title loan, personal loan, or advance loan

POSSIBLE FINANCIAL INC Date opened : XX/XX/year> Balance : {$630.00} I have reach out to this company for over 2 years regarding this account open fraudulent on my credit. I have a police report for fraud and this is on my credit report. Any time an account is open per my report I should be notified by phone.
Product: Checking or savings account

Theres been multiple discrepancies chase removed the original purchase plane ticket then XXXX never refunded me the amount I was supposed to be covered for given the policy of XXXX $ they lied about the purchase the refund and took my insurance refund policy and closed my account as well as added cards to my account that I dont have on my account my only card is XXXX they added multiple in order to show fraud but the fraud came from the chase employees
Product: Checking or savings account

I have a XXXX savings account with capital one which they changed the interest rate after I signed up. And XXXX  days later after they were being sued they held my deposit from my job and I couldnt get paid for days or get in touch with anyone
Product: Mortgage

1. I was laid off from my job on XXXX/XXXX/XXXX. 
2. In good faith I contacted my mortgage company ( Wells Fargo ) before all other creditors to request help and make payment arrangements. 
3. I was advised to begin 6-month payment  assistance/forbearance program followed by loan modification program 4. I got a new job on XXXX/XXXX/XXXX and continued making payments on time. Below is our payment history between XXXX XXXX and XXXX XXXX : Payment due XXXX/XXXX/XXXX, amount due {$710.00} Payment date XXXX/XXXX/XXXX amount paid {$1600.00} ( prior auto payment amount ) Payment due XXXX/XXXX/XXXX, amount due {$710.00} Payment date XXXX/XXXX/XXXX, amount paid {$710.00} Payment due XXXX/XXXX/XXXX, amount due {$710.00} Payment date XXXX/XXXX/XXXX, amount paid {$710.00} Payment due XXXX/XXXX/XXXX, amount due {$710.00} Payment date XXXX/XXXX/XXXX, amount paid {$710.00} Payment due XXXX/XXXX/XXXX, amount due {$710.00} Payment date XXXX/XXXX/XXXX, amount paid {$710.00} Payment due XXXX/XXXX/XXXX, amount due {$3100.00} Payment date XXXX/XXXX/XXXX, amount paid {$3100.00} ( Started trial payments early ) Payment due XXXX/XXXX/XXXX, amount due {$3100.00} Payment date XXXX/XXXX/XXXX, amount paid {$3100.00} Payment due XXXX/XXXX/XXXX, amount due {$3100.00} Payment date XXXX/XXXX/XXXX, amount paid {$3100.00} After successfully completing payment assistance program, we requested to convert to loan modification program. However, we were also in the process of selling our home. We advised Wells Fargo that the home would be sold within 30 days and the loan paid off. Our understanding, based on conversation with Home Preservation Specialists, was that any unpaid mortgage payments would be added to the back end of the modified loan. Since we were making payments every month and was approved for the loan modification, we did not expect the default status reported to credit bureaus by Wells Fargo and the negative impact on our attempt to obtain new home loan. We believe this is unfair. See attachments for background and further details.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit card

My payment arrived on the due date ( arrival verified by the billpay service of my bank ), yet the credit card company takes a day to process / post the payment, and then hits me with a late fee and interest. 
Written on the monthly statement from the credit card company is, " If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of ... ''. When I ask the ccc why, since my payment arrived on time, I was charged a late fee, the ccc says, your payment was n't posted until the next day, and it 's the posting date that counts. Then I say, but your statement says the payment arrival date is what counts. The ccc just continues to say, over and over and over, that it 's the posting date that counts.
Product: Debt collection

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found several items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

ACCOUNT : XXXX XXXX account number ending in XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

My credit report have inquiries I don't recognize, I did not give permission to these companies to pull up my credit report. I don't like my rights as a consumer being violated, and it's one of the few things I want to be protected, my life is already stressful as it is.
Product: Checking or savings account

In a nutshell in XXXX of last year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX realized someone had access to my information as I have been removed as the business owner from my small business phone plan with XXXX. After XXXX months of investigation they tried to charge me for the month 's prior, I left. 

The second flag is towards the end of the I decided to look into the possibility of opening a small business though to increase the size of my business. Even though my business had never had a loan of any kind it was old enough to the point where it had finally achieved having a XXXX XXXX XXXX number. I was not eligible for around however and it said that I currently have a loan out that I have never made a payment on I was able to view the credit report instantly for the first and only time a business gets a free credit report. I called and inquired however they did not know who the loan was through and they asked if I would like a copy of the report which of course said yes to, and I never received it. The loan amount was substantial. 
Another couple months later I suddenly receive a bank statement from a bank I have never had an account with. It was {$98.00} balance on the account but it was accruing penalties as the minimum amount to have on the account is {$100.00} without fees. I was able to call and make a little headway finding out that they were only XXXX transactions on the account, and I unfortunately was not in a place to write anything down but I recall it seemed like a similar amount for the missing amount from my unemployment and for the small business loan. 
TD Bank is the holder I guess primary checking account that is indeed with my name and social security number. However after it slips that I was not the person to open this account they immediately froze his account but also refused to give me any further information. 
The police report was filed, but the only statement I have is because the account went below their minimum, even though when I have audibly heard the transaction it was for significantly more. So unfortunately the police are not able to assign an investigator to the account because it has to be of at least {$1000.00} and the only thing that they have proof of is my {$88.00} that is remaining!
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the companies and the bureaux to correct my personal information but they are still being reported inaccurately.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft. Please delete these items immediately. 

These accounts should not be furnished on my consumer report as they are in violation!! Under 15 U.S Code 1681b - Permissible purposes of consumer reports, IN GENERAL subject to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other; ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to which to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

1 ) My XXXX XXXX  XXXX XXXX was locked in my driveway also charging on its locked charge port when a regular tow truck showed up 2 ) The driver came to my front door and asked my name, he then aggressively said I needed to unlock the car untether, unlock it and give him a key 3 ) He didnt provide any paperwork and I didnt know what was going on, he finally said he was hired to repossess my car, I insisted it must be a mistake 4 ) I also told him he likely damaged my charge port and the battery pack under the car by lifting it as XXXX need to be lifted properly, I said if this was legit hed need a flatbed truck and put it in tow mode 5 ) I immediately tried logging into my Wells Fargo Dealer Services account online and the account wasnt there, I feared hackers, I asked him to leave my private property and he said he couldnt 6 ) I called Wells Fargo and had to talk to 3 representatives as all of them couldnt find my accXXXX XXXX XXXX XXXX the repossession rep from Wells Fargo asked me if the car was hooked, I told her I dont know what that means yet she said she wouldn't let me pay if there was late payments, I tried paying with all reps just in case I may be late and none of them would help me 8 ) Wasnt hooked on my private property ( my security camera shows ) as I get off the phone with XXXX 9 ) The tow truck driver again aggressively asks me for a key and to unlock it from the charge port, my neighbors see me crying and witness his aggressive behavior to identify me, ask me for a key and tell me to unlock the charge port in addition to get all of my belongings out of the car 10 ) I insist he can not take the car on anything but a flatbed, XXXX can not be towed they have motors associated with the battery and all electronics, it can cause the batteries to catch fire and electronics to malfunction - he wouldnt listen 11 ) This all happened late day Friday XX/XX/XXXX, I had no warning nor known mail, voicemails or notices that I was late, I asked to pay 5 times before the car left the premises, I told the tow truck driver he cant take my car, and to no avail. Its at a lot in XXXX XXXX 12 ) On Saturday morning, still confused I called Wells Fargo after trying to log in and after several failed attempts to get a rep, one told me she could have me pay the late payment and stop the repossession process, so even if its a mistake, I paid because I want my car back and dont want a mistake in my credit report 13 ) The Wells Fargo agent XXXX said my account is in good standing and all paid with a reversal of this repossession process 14 ) as of XX/XX/XXXX I havent heard from anyone from Wells Fargo and concerned about their mistake of not notifying me, the damage to my XXXX from my wall unit being yanked nearly out of the garage wall by the aggressive tow truck driver who bullied me into providing my key, unlocking the charge unit and continually ignored me when I said please dont do this, you can not tow XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

i HAVE BEEN REQUESTING THAT THE BUREAUS REMOVE NEGATIVE ITEMS THAT AREN'T REPORTING CORRECTLY SINCE XX/XX/XXXX i AM LISTING THE ISSUES BELOW XXXX XXXX - REPORTS THAT THE CREDIT LINE IS SUSPENDED ON XXXX AND XXXX. EXPERIAN REPORTS THAT I WAS LATE. i HAVE PAID ON TIME AND THEY WON'T SEND ME PAPERWORK PROVING OTHERWISE. XXXX HAS XXXX MARKED LATE IN XXXX OF XXXX AND SO DOES EXPERIAN. EACH BUREAU HAS A DIFFERENT DATE LAST ACTIVE. XXXX MARKED ME LATE XXXX OF XXXX AND THEY MARK THE DATE LAST ACTIVE AS XX/XX/XXXX. THIS SHOULD NOT BE ON MY REPORT. ANOTHER XXXX XXXX XXXX - EXPERIAN MARKS ME LATE " 2 OR 3 TIMES '' WHICH IS AMBIGUOUS AND NOT ALLOWED TO BE REPORTED THAT WAY. THEY REFUSE TO INVESTIGATE OR CORRECT IT. XXXX HAS NEVER INVESTIGATED THIS ITEM. EXPERIAN HAS NEVER INVESTIGATED THIS ITEM. XXXX REPORTS THIS WITH CURRENT AND POSITIVE PAYMENTS AND IT'S CLOSED. THEY REPORT THE DATE LAST ACTIVE AS XX/XX/XXXX. XXXX XXXX XXXX HAS THE DATE LAST ACTIVE LISTED AS XX/XX/XXXX, EXPERIAN XXXX XX/XX/XXXX AND XXXX XXXX POSITIVE AND CURRENT PAYMENTS AND IT'S A CLOSE ACCOUNT. THIS IS INACCURATE AND SHOULD NOT BE ON MY REPORT. THE BUREAUS ARE REFUSING TO CORRECT AND REMOVE THIS INACCURATE INFORMATION.
Product: Credit card or prepaid card

I just got a Synchrony Master Card, I pay my bills on line.. 
My bill is due on the XXXX of the month. 
I set up an electronic payment from my bank to Synchrony for that date. 
They did not process it until the XXXX and then charged me a late fee, When I asked why it was not posted on the day it was transferred to the bank I was told that it could take up to three days for a payment to be posted. 
I have never heard of a bank holding electronic payments for up to three or more days. 
All my electronic payments are credited on the day they are received, no I am not sure why Synchrony withholds payments., Seems that they want to hit their customers with the late fees. 
When I called they did reverse the late charge, Seems odd that they would withhold electronic payments since there is no need to manually do anything, Bank to bank transfers should be accepted and credited not withheld waitng for what I am not sure.
Product: Student loan

PSLF : Since XXXX, my student loans have been managed by XXXX, XXXX, XXXX, then to Mohela in XXXX. 
I submitted two ECFs to Mohela XXXX XX/XX/XXXX ( via document upload ). Both ECFs had long since been submitted to XXXX and had not been processed/counted correctly. 

Current eligible count on tracker : XXXX payments. Current qualifying : XXXX. The two ECFs I submitted to Mohela via document upload and per PSLF Waiver were submitted XX/XX/XXXX were finally processed by Mohela in XX/XX/XXXX, as was shown on document upload page, yet my tracker did not get updated. I called/chatted/messaged with Mohela several times. I was assured several times my tracker count would be updated. Time passed. Tracker was still not updated. I called, chatted, messaged some more. Still, tracker not updated. This was through and up to XX/XX/XXXX. Each time, Mohela CSRs, and Mohela messages told me my issue " had been handled '' or " wait 90 days. '' My issue had not been handled. There was no change on my Tracker, still. 

I called again on XX/XX/XXXX. XXXX told me there seemed to have been an error and those two ECFs signed and dated years ago, back to XXXX, " had not been processed correctly. '' Later, XX/XX/XXXX, I received a message on Mohela " We apologize for any inconvenience this may have caused. Your most recent PSLF applications were not processed correctly. We submitted a request on XX/XX/XXXX to reprocess your Public Service Loan Forgiveness ( PSLF ) applications received on XX/XX/XXXX... unprecedented... '' Please help. As mentioned, both of the two ECFs had long since been submitted to XXXX and should have, long ago, been applied per the PSLF waiver. I have been in PSLF since XX/XX/XXXX. I understand Mohela is busy and employees may be overwhelmed, but mine is not a complicated issue to take care of. I should have been finished with PSLF some years ago. I have been working In public service since XXXX. Thank you for your time and assistance. 

Two ECFs previously submitted to Mohela ( and XXXX ) are attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which does not belong to me or was opened without my permission. XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX  XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

EHLP CASE XXXX LOAN XXXX. XXXX XXXX XXXX and my wife XXXX XXXX XXXX. We had a XXXX loan when times were hard. All payments were made on-time. HUD shows late payments. I have cancelled checks and a multitude of other documents showing no payments late. HUD will not release the lien on my property for the bank has submitted incorrect data and refuses to rectify the problem.