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 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 or other personal consumer reports

We have been defrauded by this unethical immoral company. Their malicious actions has devastated XXXX economically and emotionally. They do not present nor operate in the ethical manner they present themselves. They need to be shut down and cancelled and bid from operating for their inhumane treatment. They have created all sorts chaos and instability for my household which has lead to my mother currently hospitalization as they have destroyed her retirement income. They do not operate in the likes of a financial institution. A financial institution that upholds its core values should know to mitigate an issue in order to minimize economic impact. Rather this evil company intensified the issue and prevented us from flourishing and now offering a solution that doesnt amount to our losses using XXXX systemic injustice as the basis of the resolution. They need to be dismantled for the pain theyre inflicting upon my household. Bank of America has taken advantage of unfair rulings from the XXXX court systems to defraud us and have prevent us from flourishing economically. The means my mother provided to provide for my household : a property value at {$450000.00} for rental income and a startup online business of which I was saving money for marketing destroyed as I was removed from my position with XXXX XXXX and relocated several hours away for a position that they claimed I didnt meet qualifications. However, they went ahead to apologize for their mistake and offered an alternative position and when I reached out to the recruiter for details of the new position she acted as if she wasnt aware of the new positions offering and proceeded to tell me theyre not moving forward with any positions. This evil company along with their evil employees has destroyed our lives & has made it difficult for me to obtain employment due to my civil filings as several employers referring to my numerous filings. I now have XXXX toddler boys XXXX on the way and the means my mother put in place to provide for my family and her retirement the bank has destroyed and here we are struggling with the high cost of living and housing whereas we had a plan place to mitigate the issues we are now facing. Theres no reason we should be renting and struggling whereas we had a great economic growth plan in place. Please help, please help me bring this issue to light. Civil injustices are just as important as criminal injustices. This evil bank needs to be cancelled for their malicious actions and using XXXX court injustices to destroy our lives and avoid accountability for their actions. The court system ignored important evidence ( voicemail messages ) and contrived evidence to benefit the bank whereas the XXXX used the same evidence and ruled on my behalf which this immoral unethical bank has taken advantage of to defraud and prevented us from flourishing.
Product: Credit card

An unauthorized charge was posted to my Sofi Credit card account on XX/XX/2023 in the amount of {$8300.00}. I contacted Sofi customer service the following day to dispute this charge on my account explaining to them that it was not me who authorized or made this purchase and that it was fraudulent. They removed the charge from my account. So I assumed the case was over with and closed. A couple of months later on XX/XX/2023 they put the charge back on my account stating that my personal phone number had a contracting company listed under it ( my fathers old retired business and company ) ( XXXX XXXX ) the company that had placed this fraudulent charge on my account was also a construction company XXXX XXXX construct. I tried to explain that I had never heard of XXXX XXXX XXXX and that the two were unrelated. I even filed a police report with my local police department ( XXXX Police Department ) and sent Sofi a copy of the report. After that they stopped responding to my emails and phone messages. I have had a very bad customer services experience with Sofi and this matter has been ongoing and unsuccessful the entire situation has left me and my family very financially constrained and stressed. I would really appreciate any aid or support I could receive from your assistance. It would be greatly appreciated. 

Thank you.
Product: Credit card or prepaid card

I use American Express Blue Business Card. This card is a business credit card and used by small business owners and individual gig workers. As gig workers are categorized as a consumer in US, I would like to file a complaint as a consumer here. 

My American Express Blue Business Card has been canceled suddenly in XXXX. There were no delinquencies before they canceled my card. 

I contacted American Express, and was told that {$25.00} reinstatement fee is necessary to issue a new card. I told them that I was not going to pay the fee, as there are no faults caused by myself. I have communicated with some support agents online since then, but my card has not been reinstated yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

The balance of the account was sold to another creditor, and subsequently paid. The issuing lending/credit card issuer agreed to update payment status to " paid '' once notified account is satisfied. No updates have been made from Synchrony to the 3 credit bureaus. The lender 's note on my credit file is misleading because it gives the impression that the account still has an active balance owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has lowered my FICO score by 20 points to XXXX. I want to know why. I'm XXXX years old and have never missed a payment in my life. I have no debt. I've tried asking for my annual free report on line and after filling out and answering all their questions they say their unable to handle my request at this time and to call them. I call them and after answering all their questions they say I have to make my request on line.
Product: Mortgage

I am truly delighted to share my valued customer service experience with PennyMac Loan Services to any and all potential clients/customers/victims. 
I am inclined to believe that PennyMac must be the clone or recent descendant of the flawed XXXX XXXX XXXX XXXX  XXXX via XXXX XXXX XXXX. 
The lack of live voice communication is overwhelming the initial mortgage loan application began on Wednesday, XX/XX/2021, with a chattery, enthusiastic loan officer. Who ended our conversation with the acceptance of my money for an appraisal fee and the salutations of a used car salesman, never to be heard from again ghosted. 
Twelve days later ( XXXX ) I had an appraisal ; 4 days later ( XXXX ) I received the official report/results of the appraisal. There had to be another XXXX  takeover of PennyMacs communication system, cause I still have not heard a whimper from the loan officer or his compatriots. 
To finally put my mind at ease and solidify my confidence in PennyMac, my emailed messages have gone unanswered and my initiated phone call was vague at best. My loan officer did not remember me; denied receiving any emails and promised to call me back the following day with an update. Needless to say, I sit by the phone with bated-breath, awaiting that long overdue phone call.

My long-suffering contempt for PennyMac is justified for the following reasons : 1. I have been
a loyal, well-standing customer for the past 4 years.

2. I have never missed a payment nor have I been late for a payment.

3. The equity in my home exceeds {$120000.00} 4. My XXXX/credit score exceeds 740. 
5. My loan application to refinance with a cash-out was to facilitate a revamped bathroom ; needed to accommodate my recovery of a total XXXX XXXX and advanced age. 
I fully understand why PennyMac Mortgage Loan Services is not included in the Top 5 List of Mortgage Loan companies, not even the Top 10. This is a fair warning Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My personal and financial information was compromised without my authorization. 
the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been making payments to my account since the opening of my loan in XX/XX/2018. My payments are due the XXXX of each month for {$920.00}. I noticed that the month of XXXX on my credit report that it shows I am 30 days late. I am not currently 30 days late and on my report it states my status was updated on XX/XX/2018 but my payment is due XX/XX/2018. I contacted XXXX XXXX XXXX ( XXXX ) via the phone to speak with someone but the Manager was extremely rude to me. The Manager even told me if I can not afford the car then return it. I then wrote a 'Good Will '' letter explaining my situation. I explained that I recently went through a divorce and I've been having competing personal priorities. But I have been making my payments within the 30-day time frame. I knew that I was not 30 days late and I was even having problem with their phone system when making my payment. I spoke with another representative and was advised to use the online site to make another payment. I was assured my account was in good standing. After getting the alert I missed a payment with XXXX I immediately reached out to dispute this claim. This 30 day late payment is gravely affecting my credit and even through my divorce I've worked hard to maintain my credit status. As a consumer I want to make sure I can trust my lender to practice fair practices.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  : Account Number : XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX. Whos XXXX XXXX XXXXhelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, my wife and I filed for bankruptcy ChXXXX. I understand that the bankruptcy stays on your credit report for ( 10 ) ten years. ( It should be only ( 7 ) seven years. ) My own opinion. But anyway, our complaint is with the ( 3 ) three Credit Bureaus who is showing our filing of bankruptcy with the notations that saying, " SERIOUS DELINQUENCY AND PUBLIC RECORD OR COLLECTION FILED, PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK REVOLVING OR OTHER REVOLVING ACCOUNTS, TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN, NUMBER ACCOUNTS WITH DELINQUENCY ''. 
ALSO, a high-risk fraud alert was completed saying XXXX and XXXX took place with no explanation.
Product: Credit reporting

15 years ago I was slow paying my XXXX XXXX bill and had to go on a payment plan with them. 
I try several times to get Equifax to remove this file of XXXX XXXX become the law states that they can only report it for 7 years or 10 years if it 's a court judgement. This XXXX XXXX file has been on my Equifax file for over 15 years since XX/XX/2000. XXXX and XXXX has removed upon my request with no problem. I also try several times with XXXX XXXX as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

good evening this complaint is being made on Experian and XXXX  XXXX  for providing me with false results, non compliance procedures and for violating my right to privacy. 

XX/XX/2022 I wrote to experian wanting to excerise my rights to Opt Out of having my private confidential information being reported by a non affiliated third party. 

XX/XX/2022 my results say these XXXX accounts were updated. well while looking over my before and after results there was not a single field that was updated to show proof to support experiens results. to my understanding if Experian chose to update a account then their results must reflect such update in order for me to comprehend their investigation. how can these results say updated but nothing was updated? every field is reporting the exact same with the acceptation of changing the processing of their dispute in XXXX XXXX either this is a stall tactic or Experian did not investigate this account to begin with, either way they are in violation for non compliance after I brought this letter to their attention. in addition how could experian complete this investigation so quickly? my letter was sent XX/XX/2022. I allowed about 5 days in order for them to receive my letter so that puts my letter in their office about XX/XX/2022 and they completed their investigation in XX/XX/2022 in 9 days? 
I never received the disclosures from XXXX XXXX to show proof that they in fact sent them to me before they could report these XXXX accounts. another reason why experian is in non compliance, because if they investgated then wouldn't I receive what I notated in the letter from first premier to prove they can report legally? under 15 u s code 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ) ( C ) XXXX  XXXX  is REQUIRED by LAW to provide me with such disclosures if they CHOSE to report my non public personal information to a nonaffiliated third party. these documents are not supported. under 15 u s code 1681 ( a ) ( 4 ) I have the right to privacy and since you have authority to help conosumers like me who's rights have been violated from creditors/third party entities who continuously violate the United States Code I am hoping you can assist me.
Product: Debt collection

For Forster & Garbus LLP, a New York Law Firm, XXXX XXXX XXXX, XXXX, Ny XXXX, I have been paying {$150.00} every month since XX/XX/XXXX or XX/XX/XXXX, on time, on their website. Last month they threatened to take me to court! I talked to a manager they apologized ... this month another threat. First they tell me please disregard the lawsuit then they say they are going to sue me for non payment. The amount due is not being subtracted from my monthly {$150.00} payments.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and numerous fraudulent accounts have been reported on my Experian credit file. These accounts were opened without my knowledge or consent and are causing significant harm to my financial stability and emotional well-being. 

The fraudulent accounts reported on my Experian credit file include : XXXX XXXX XXXX  - {$1100.00XXXX XXXX  - {$400.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX listed twice for the same amount XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX is especially egregious, as it is falsely reported as a valid debt despite being fraudulently opened. This fraudulent loan, along with the other accounts, is unjustly damaging my credit and preventing me from obtaining reliable financial services. 

I have submitted my FTC Identity Theft Report, a copy of my government-issued ID, and proof of address to substantiate my claim. Under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681c-2 ], I am entitled to the removal of fraudulent accounts upon providing evidence. The continued reporting of these accounts violates [ 15 U.S.C. 1681s-2 ], which prohibits the furnishing of inaccurate information to credit bureaus.
Product: Credit card

Purchase several items with my PayPal account and found they had put it on a PayPal Credit Card I had no idea was issued to me with a high interest rate and then tried to charge me late fees. It took me 3 months to get the mess straightened out and several phone calls. I paid off the card in full and told them to close the account. Then they had the late fees hanging out there and I had to contact them again to drop the charges. What a mess. I will NEVER do business with them again. What a scam, naming a credit card the same name as PayPal but with the word Credit after it. I already had a credit card linked to my PayPal account and the whole time I thought I was charging things to that credit card only to find out it they had changed my " method of payment '' to PayPal Credit.
Product: Debt collection

Attached is my statement from this past XXXX in XXXX showing that my original contract with XXXX, financed through XXXXXXXX XXXX, was paid in full with no issues. This new debt that they are trying to put on me is not mine, as I already paid my balance with XXXX through XXXX XX/XX/year>. I dont owe anybody else anything.
Product: Debt collection

Case number : XXXX I submitted a prior complaint, case # above. central finance control ( tenet health ) agreed all items should delete, however they simply relisted a few days later. except now statute is also renewed. its clear on every attempt to talk with them that they have XXXX fear of fdcpa, YOU or any other law or agency. my understanding of current statute is I may recover {$1000.00} per tradeline. I 'm seriously considering this option. id like to give this one more shot first, XXXX XXXX XXXX.
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. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Mortgage

Our home flooded due to XXXX XXXX on XX/XX/22. We had flood insurance. It took us XXXX months to get a settlement from our flood insurance. XXXX check is written out to us the home owners and Wells Fargo who holds our mortgage. Wells Fargo 's process in order to get the largest check deposited requires us physically mailing a check to their location in XXXX XXXX. We are quite hesitant to do this as we do not want to risk having the check lost in the mail and request a new check from our insurance company as that was a lengthy process already. We have already come out of pocket to repair our home thus far, we have never been late on our mortgage payments, we have multiple accounts with Wells Fargo some accounts being over XXXX XXXX XXXX. We requested to have the process expedited to not require the mailing of the check, but were told that was denied by an executive team with no explanation of why. Our only option to not risk mailing the check is to continue paying out of pocket, so an inspector from Wells Fargo considers our home 75 % repaired and they will endorse the check at a local branch. This is unacceptable, especially when we do not consider ourselves a financial risk to Wells Fargo. I want an explanation on why they will not endorse our check and allow us to deposit it so we can continue to complete our repairs. Wells Fargo created a process that hurts those who have already dealt with so much from a natural disaster and has no humanity in assisting us when we have been good customers of theirs. All we want is to complete repairing our home and continue on with our lives.
Product: Debt collection

This will be the 5th Collection Company that has tried to collect on a debt that is not mine. XXXX XXXX XXXX continues to try and collect on this bill and have yet after 5 attempts from different collection companies. 

I call XXXX XXXX XXXX XXXX and they informed me that I don't owe them any money. That all of my accounts were paid in full. They further informed me that they don't sell patients debts to collection companies. The only company they work with is XXXX XXXX XXXX in XXXX, VA. They further informed me to do not pay this as its not owed. 

Please Investigate XXXX XXXX XXXX XXXX and Commonwealth Financial Systems for fraud.