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 Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces 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.
Product: Credit reporting or other personal consumer reports

I've recently reviewed a copy of my credit report and noticed I have an fraudulent account on my report. I am not liable for these debit. I do not have a contract with said creditors, they did not provide me with the original contract as I requested. Please remove these accounts from my report they are hurting ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I sent disputes to XXXX, Equifax, and XXXX regarding inaccurate information on my credit report. Despite my detailed notifications listing specific accounts and citing violations under FCRA 623 ( a ) ( b ), 605 ( c ), and FDCPA 809 ( b ), the agencies have failed to respond within the mandated 30-day period. They have neglected to mark the disputed accounts as such under FCRA guidelines, and have inaccurately reported the date of last activity on these accounts, which does not reflect the actual last payment date. Additionally, they have failed to provide adequate validation for a collection account, as required under FDCPA 809 ( b ) per FTC guidelines. Copies of all correspondence sent to the agencies are attached for reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

After being unable to get my annual free credit report online, I was instructed by Equifax to copy my driver 's license and social security card along with a letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. This letter including the aforementioned documentation was produced on XX/XX/21 and mailed via certified mail # XXXX XXXX XXXX XXXX XXXX on XX/XX/21 with a return receipt green card. I subsequently received a letter from Equifax Information Services, LLC requesting the exact same information AGAIN along with their enclosed letter. There was a telephone number enclosed XXXX XXXX XXXX XXXX which turned out to be some sort of non-related sales business. Equifax seems to be attempting to make it as difficult as possible to correct the damaging information contained within their files thereby causing me injury as a consumer. There are laws clearly written to stop this behavior, and I would like to know how to prompt them into compliance or how to file a law suit against this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

IT HAS BEEN MORE THAN 7 YEARS SINCE MY BANKRUPTCY CLOSED AND IT SHOULDN'T BE REPORTING TO MY CREDIT PROFILE.
Product: Mortgage

I have tried calling Mr. Cooper for over a month to speak to the escrow department to see if they received my refund check for property taxes but can not get through to speak to a customer service representative. It will not allow me to get through the automated system in order to speak to a person. I've tried calling at least 10 times and from different phone lines. I just want to speak to a person in the escrow department. I also used the online chat on their website Mrcooper.com and no one would call me or give me a phone number to call anyone working for Mr. Cooper mortgage company. I got through to the refinance department and spoke to a person there but they said they didn't have a number for me to call the escrow department.
Product: Debt collection

Have been receiving calls for months on my cell, at my work, and on my husband 's cell. Today I called the number back at ( XXXX ) XXXX with reference # XXXX. Only after I asked the man said that the company 's name was XXXX XXXX XXXX. He said that I had a debt with Citifinancial with a balance of {$1400.00} and last payment in 2013. He would settle it for {$710.00}. I said that I wouldn't pay until I could verify the debt. He stated that " they're not going to recreate the wheel '' for every little debt and that they would file paper at the court ( which is fine by me because they'd have to provide proof ). I have no recollection of this debt, and I've checked my credit. I did have an account with Citi, but it was in good standing when it was transferred to another company. This is a bogus debt. I have a really important job in local government, and I really need these calls to stop at my place of work. I can ignore scam calls all day on my cell, but they have to stop calling my work. I am on the national do not call registry.
Product: Consumer Loan

I have a vehicle on my credit that i dont own and never purchased. Its in correctly on my credit report from gateway one.
Product: Checking or savings account

I get regular deposits to this account that Ive had for the past few years and Im always running into issues with agents lying to me about what they can and can not do or verify regarding deposits
Product: Checking or savings account

On XXXX XXXX XXXX  I found three purchases made by my Ally Bank debit card that I did not make. I immediately called the bank and filed a dispute. Two of the three disputes were resolved in my favor. They are trying to say that I did make a purchase at XXXX XXXX XXXX for the amount of {$300.00}. Which I did not. I refiled on that dispute with Ally Bank. When I filed the first three disputes, I was told I would receive forms to complete which I neve did. When they decided that I owed the amount I refiled the dispute and have been told I would receive forms. Which I haven't as of yet. From the time of the bogus purchases, I have initiated phone calls with my bank at least 10 times. They refuse to have someone from the legal department contact me. I get a different person every time and get different answers. I was also today XXXX  able to talk to the store where the purchase was made. The asst manger was only able to answer that they had received no inquiry from my bank.
Product: Credit reporting or other personal consumer reports

I recently discovered several inaccuracies on my credit report, which prompted me to take action by sending a formal demand for correction to TransUnion. The issues I encountered include the following : Incorrect Reporting of Late Payments : Multiple accounts, including those with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are inaccurately showing late payments. I requested these accounts be updated to reflect " paid as agreed/never late '' under the guidelines of 15 U.S.C. 1681i, which requires credit reporting agencies to investigate disputed accuracy. 

Unauthorized Hard Inquiries : Hard inquiries from XXXX XXXX, XXXX, and XXXX XXXX appeared on my report without authorization. Under 15 U.S.C. 1681n, I demanded these be deleted due to their unauthorized nature. 

Debt Validation Issues : Regarding XXXX, I invoked my rights under 15 U.S.C. 1692g ( b ) to request validation of the alleged debt, including original contracts and documentation proving the legitimacy of the claim. I emphasized that failure to provide such validation necessitates the deletion of the entry. 

Inaccurate Personal Information : An incorrect address was listed on my report ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), and I requested its immediate removal. 

I cited relevant federal laws, including the Fair Credit Reporting Act ( FCRA ) and case precedents such as XXXX XXXX XXXX XXXX and XXXX XXXX Trans Union XXXX, to emphasize TransUnion 's legal obligation to conduct thorough and accurate investigations. I also warned of potential legal action for willful or negligent noncompliance as outlined in 15 U.S.C. 1681n and 1681o. 

I expect TransUnion to provide a detailed description of the investigation procedures and an updated credit report reflecting the necessary corrections. Should this not be resolved promptly, I am prepared to escalate the matter to regulatory authorities or pursue legal remedies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Barclaycard is currently reporting that I owe a balance for this card. I have requested proof/validation for the account. Barclay continues to send me their company 's credit card agreement statement. I have not received any documentation with my signiture starting that I agreed to open and acccount with Barclaycard.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION. I respectfully request that Barclay provide me with competent evidence that I have any legal obligation to pay you. Barclaycard is currently reporting invalidated information to the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted dispute regarding XXXX account on 3 separate occasions. Experian allegedly verified it each time. This account was to be removed from my report due to a settlement agreement with the attorney generals office. 
XXXX removed the account from both XXXX XXXX XXXX XXXX there would be no way it would be verfied with Experian. I want proof in writing that XXXX specifically instructed Experian to keep reporting it as accurate. 
I am incurring damages as a direct result of Experian violations and failure to maintain procedures to ensure maximum possible accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Balance Owed : {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Product: Mortgage

I have been trying to find out what happened to my property ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Investment No. XXXX that I purchased on XX/XX/XXXX for {$1000.00} at 12 % fixed rate and matured on XX/XX/XXXX with a XXXX value of {$630000.00} and a PAR value of {>= $1,000,000}. Please see the attached correspondence that provides a timeline of the research I have performed.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Collection Account : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and haro inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

XXXX filing a complaint against Cash App ( 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 redress for these violations.
Product: Credit reporting

XXXX XXXX, has Fail to validate at my request on XXXX/XXXX/2015. The amount XXXX XXXX is reporting is incorrect {$1000.00} is totally ridicules, I have never owed that amount.. 
i sent this complain to XXXX and XXXX XXXX.
Product: Checking or savings account

I am having so many issues with TD Bank and fees. I would like to first start with the issue of a stop payment that was entered in for the wrong amount. The transaction came out of my account when it wasn't supposed to come out. I was charged excessive fees because of this. The bank wanted to tell me that they had credited me back for fees in the past and we're not going to give me all the fees back for this. Recently, I deposited a check for {$210.00}. They decided to hold it for 7 business days. I had money in my account when I deposited the check. The check wasn't for a large amount. While I thought that I would be getting credit for this check the next business day. I had things going through my account and I am getting fees. I have had {$210.00} in fees this week which wouldn't have happened if the money was there. When I sent a question to customer service through the message system about when would I would receive credit for this, I got a response of the date of the hold is XX/XX/21 and funds would be available on XX/XX/21. This is another situation with information that has been given wrong or input wrong. 

Also, I had asked the bank to not pay any transcations if the money wasn't there. I wanted to opt out of overdraft protection because I did not want my account to be overdraft by a large amount if they money wasn't in there. They started sending transcations back unpaid, then this week a debit card transction that I had setup was paid and went through to for XXXX for {$350.00} nd so did an ACH transaction to XXXX for {$110.00}. The spectrum payment should have went through if the {$210.00} check wasn't on hold. 

I can't get my bills paid because I do not have any money when my check is deposited. I am trying to get this account under control but TD Bank is making all of these errors and hold my deposited and then charges me fees and then also paying transactions at there discretion to overdraft my bank for a large amount. I am fed up with this and plan to close this account when I get everything to clear out of it. I wanted to stay with this bank but I do not have the money to just keep giving away with fees.
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

As a seller I signed and closed my documents on XX/XX/XXXX. My house had been vacant since XXXX and the process had taken a while. On XXXX the buyer was not able to close because the buyers cash deposit was not accepted. This should have been discussed a while back. The buyer now and me the seller are in a waiting game with this lender. The lender is not responsive to my realtor and to the title company. The lending company is lending XXXX or mortgage one solutions in XXXX virginia. Their address is. Their XXXX  and XXXX reviews will tell you to stay away from them. The fact that they are not responsive with something like a home sale is disturbing and as a consumer I urge for this company to be audited and reviewed.
Product: Credit reporting or other personal consumer reports

I had a credit card with XXXX. I was paying on time, then around month 3 or 4 I started receiving late notifications. I contacted XXXX regarding the issue. I was told something about my cycle changed and if I paid before the XXXX the payments were not going towards the current statement balance. I was initially paying between the XXXX and XXXX depending on how I got paid. The account recently closed with a balance of almost {$500.00}. The balance before all the interest and late fees was a little over {$200.00}. I even had the rep to look at all the previous payments, which showed on time payments and the dates payments were made. I pay all of my credit cards around the same time every month and never had an issue with late payments. I was never notified of any changes. I've tried several times to pay what I really owed before all the late fees and interest fees accrued but was denied.
Product: Money transfer, virtual currency, or money service

Dear PayPal Team, I am writing this formal complaint to appeal the permanent limitation placed on my PayPal account. I believe that this limitation was placed on my account by mistake and I have not violated any PayPal policy. 

Firstly, I would like to emphasize that I have been a loyal and active PayPal user for a long time, and I have always conducted my transactions within the terms and conditions set by PayPal. Therefore, it came as a great surprise and disappointment to me when I received the notification that my account was permanently limited. 

As an honest and law-abiding user of PayPal, I would like to emphasize that I have not conducted any fraudulent or illegal activities using my PayPal account . I have always used my account for legitimate and lawful transactions only. 

Furthermore, I would like to request PayPal to re-investigate my case thoroughly and restore my account if possible. I firmly believe that my account has been limited by mistake, and I am willing to cooperate fully with PayPal in any way possible to resolve this issue. 

Lastly, I would like to mention that the email address on my PayPal account is XXXX. I hope this information will help you to locate my account quickly and facilitate the review process. 

Thank you for your attention to this matter. I sincerely hope that PayPal will reconsider its decision and restore my account as soon as possible. 

Sincerely, [ XXXX XXXX ]
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau Subject : Complaint Against Equifax for Misuse of Credit Report Dear CFPB, I am writing to formally lodge a complaint against Equifax regarding the repeated misuse of my credit report. This is the second time that Equifax has closed my positive XXXX XXXX  credit card account without proper justification, adversely affecting my credit score and financial stability. 

Details of the incidents are as follows : 1. **First Incident** : XX/XX/2024 XXXX. **Second Incident** : XXXX, XXXX 2024 I believe that these actions are unjust and detrimental to my credit history. I have made timely payments and maintained a responsible credit usage pattern. I request that the CFPB investigate this matter and take appropriate action to prevent further misuse of my credit information by Equifax. 

Please let me know if you require any further information to assist in this investigation. 

Thank you for your attention to this matter. 

Sincerely, CFPB EQUIFAX CONTINUES TO MESS WITH MY CREDIT REPORT CLEARLY THIS IS A VIOLATION OF THE FCRA PLEASE HOLD THEM ACCOUNTABLE FOR THIS ACTION. ALSO BY EQUIFAX DOING THIS IT EFFECTS MY XXXX SCORE AS WELL
Product: Mortgage

I had a mortgage with Bank of America and it was paid off XX/XX/2020. On XX/XX/XXXX Bank of America deducted another mortgage payment in the amount of {$5300.00} for the month of XXXX for a loan that was paid off. I have called the bank and spoken to numerous representatives who have all assured me I would be getting my money back but here I am ( 21 days later ) and I still have not received my money back. I have simply asked that the funds be returned to the Bank of America checking account they took it from and I have received excuse after excuse. My average wait time to speak to a representative is a minimum of 2 hours and I've made at least 8 to 10 calls. I'm frustrated and I'm at my wits end. I have other obligations to meet and the bank taking these funds has placed me in a difficult situation. I would appreciate anything you can do. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its XXXX collection accounts on my credit report that werent authorized & I dont have an outstanding balance with XXXX I have a current account.
Product: Mortgage

Again BSI failed to respond accurately to my complaint. In the XXXX attached. I specificly stated how my payment was supposed to be applied and that I was disputing the fees associated with loan and XXXX completely ignores responding to it!!! This is why there are XXXX complaints. XXXX XXXX when answering a complaint you need to address the questions. I am tired of BSI skating over DIRECT QUESTIONS, DIRECT REQUESTS and DIRECT DISPUTES,. Which now is being copied to lawyer for the failure to respond. I did not agree to how how the money XXXX was applied and it was put in writing directly how it was to be applied which was also scanned with last complaint and she decided to ignore. I have excess in my account and should have been applied to XXXX payment AS SPECIFIED!!! BSI has not mailed out monthly statements either. I get my mail and they have sent me XXXX since XXXX. XXXX I paid extra as to not have to deal with BSI for a few months with payment issues and the lack of communication from BSI and run around ANSWERS. DIRECTLY apply the funds as SPECIFIED not how you felt necessary as this is now going to LAWYER for misappropriation of funds.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX Balance {$4000.00} XXXX XXXX XXXX XXXX Balance {$6000.00} XXXX XXXX XXXX XXXX Balance {$740.00}