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 ano address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce 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: Consumer Loan

In XXXX I was behind on my mortgage for a second home. It had been my primary residence, but I was down sized XXXX XXXX and the housing bubble burst. I could not sell my home nor get dependable renters into the home, so I was paying XXXX mortgages, I had a second on that home. I moved back to XXXX, AL. Trying to be responsible toward my creditors I called them all and advised of my situation. I settled with XXXX XXXX XXXX and serveral other companies willing to work with me from my severance package. XXXX, the mortgage servicers of XXXX XXXX gave me a XXXX 's XXXX XXXX, which I thought was being provided by them as payments were set up to be directly withdrawn from my account at {$42.00} plus change. This process worked out fine. I did not think about it again. Until XXXX XXXX when I was looking to refinace this property and discovered that a collection was on my report. I immediately called the company. XXXX/XXXX/XXXX I received a letter from ClearSprings acknowledging receipt of my correspondence, saying they would have to research the information. At this time the Company was ClearSprings. I wrote many letters asking for documentation of this debt as I had no recall of it. I found out that XXXX had sold the loan to ClearSpring in XXXX. Ultimately ClearSpring sold it to XXXX XXXX XXXX Bank. I settled with Cenlar.for {$1500.00} on an original loan amount of {$5200.00}. However, I received a letter from ClearSprings, RE : SETTLED IN FULL. ClearSpring File # : XXXX. This interaction was very deceptive. Payment posted XXXX/XXXX/XXXX. Debt Settled. Zero dollars owed. 
Firstly, I was lead to believe by the XXXX representative that this loan was through them and not a third party.Secondly, I was never advised in any manner that the loan had been sold. I was under the impression that when I asked for assistance this is what they were giving me. Thirdly, The paperwork indicates I settled with ClearSprings, so XXXX should not be reporting to my credit accounts. Fourthly, the information should be reported as my record indicates.Paid in full, zero balance owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I went to XXXX XXXX of XXXX XXXX inquiring on a vehicle. They were supposed to run a soft inquiry on my credit report but instead ran a hard inquiry and shopped me around to other banks to find me the best deal. XXXX XXXX, XXXX XXXX and Chrysler Captial also ran a hard inquiry. I contacted XXXX who told me to get a letter from the dealership and the other three banks. I got a letter from the dealership but when I contacted XXXX, XXXX and Chrysler they said they can not provide me with those letters but they are also confused as to why it was ran as a hard inquiry on there behalfs too but it should have been a soft inquiry and that the dealership should write a letter that includes all three of the banks. I contacted XXXX and they told me that they can accept the letter from only the dealership to take off only there inquiry and I still need a letter from each of the other XXXX banks ( XXXX, XXXX XXXX Chrysler ). I contacted all 3 banks again and they said they can not write those letters. I contacted XXXX again and they told me to contact CFPB and possibly can get help. Thank you
Product: Student loan

I am currently enrolled in the Public Service Loan Forgiveness Program ( PSLF ). I have verified that I am qualified for this program and have followed all steps with FedLoans as my servicer. I consolidated my loans to XXXX XXXX in XXXX for this program. I have been making payments since that time with exception of one year of granted forbearance during my fellowship. I have noticed very inaccurate information regarding my qualified payments for this loan program and called FedLoan Servicing on XX/XX/XXXX to request a recount of my payments. The representative told me that she noticed several payments were not counted and she would request a re-count. I have not heard back in regards to this requested information. I called the ombudsman on XX/XX/XXXX and spoke to XXXX employee # XXXX and he verified the re-count was requested but did not have any further information for me. 

It is now XX/XX/XXXX and I have still not heard back from FedLoans and do not have an accurate payment count. I have been making qualified payments and need to know when I can apply for loan forgiveness as the time is coming to do so soon. I am making major life decisions based on this loan forgiveness program. I have a husband and XXXX young  children and I have declined taking high paying for-profit jobs to continue working in non-profit positions for this loan payment program. I have about {$370000.00} in student loans and have been making high monthly payments on time to assure loan forgiveness. FedLoan must be held accountable for what they have promised and what they are responsible for. It is hard to trust a company who is ultimately responsible for my entire loan forgiveness when they can not even provide a timely and accurate payment count.
Product: Credit card or prepaid card

I have attached a Debt Validation letter for immediate response. Please read all of the bulleted items that I have requested based of my rights as a consumer. I need this back via Certified Mail. Please not that my name is copyrighted, so please be careful on how you use my name on any document that you send me.
Product: Mortgage

I called at least 2 times, on XX/XX/XXXX and on XX/XX/XXXX and additionally sent 2 messages through the loan portal to the mortgage servicer, BSI Financial Services, requesting the {$20.00} fee billed from XX/XX/2023 to be removed. 

Previously, multiple BSI representatives have each time confirmed that the fee will be reversed/ removed, that it was already " approved '' and that it will be a few days to see this reflected in my online portal/account. This has not been done and the charge still shows on my account as of today, XX/XX/2023. 

I have paid my mortgage payments diligently and always on time. The servicer has received a duplicate electronic payment ( 2 full mortgage payments in one month ). I have called my bank and confirmed no fee will be charged for the return of my funds and I have also called the mortgage servicer to confirm which of the payments should be reversed before initiating the request through my bank. 

It is bizarre that no requested email confirmation can be sent to me from the mortgage servicer and each interaction is more a collection service than " servicing ''. 

The request to remove the fee was ultimately verbally confirmed and it is time to get this fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX  Federal Trade Commission XXXX XXXX XXXX, XXXX Washington , DC XXXX I do not feel the actions of my auto financer are fair. They report every blemish, and when I pay the car off they remove all the account, its gone, no bad or good credit. 
Nridgecrest reported every flaw when late and pulls the record when I pay it off, im dependent on the score, it would at least tell creditors its paid. 

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

In XXXX and again XXXX my identity was stolen. In XXXX XXXX XXXX started reporting a second card, even though the first one was reported stolen. I obtained a police report. My card was at a XXXX balance when stolen, the person ran up 1600+ worth of charges XXXX / XXXX XXXX has charged me over 600 in fees and agreed to remove an additional {$250.00} over that. Currently the balance is showing XXXX, limit XXXX. Both cards reported negative at the same time same months ... so the opened the second card while the first card was still out there ... both have delinquencies showing. I have sent XXXX police reports more than once and they declined to remove the card from my credit. Then they agreed removed it for 2 months and placed it back on my credit with both cards showing a balance. Currently it is reporting just one card as delinquent and they other one with the final month showing 30 days late. Mind you I have no negative credit from any other lenders or creditors. All my bills are paid in full. I actually called XXXX and said I know I didnt charge these items but would like to make a settlement - this was declined. They want me to pay the full amount I sent them a police report for and all of the late fees and interest over 600. 
At this time, this is the only negative account on my file. I have tried everything short of paying someone elses debt. There is also an inquiries as a XXXX XXXX which isnt me, 5 wrong phone numbers. I need assistance in getting XXXX XXXX off my credit and for these people to leave me alone and stop applying for new credit cards to add inquiries to my file as punishment for not paying the account off. This needs to stop here. Please help me. Mortgage loan is pending the outcome
Product: Mortgage

I applied for a loan modification on XX/XX/2019 and my request was denied approximately 30 days later.

I completed a second application for loan modification on XX/XX/2019. I am now in receipt of another denial letter dated XX/XX/2019 

Both letters provide the following reasons for denying my request for modification : 1 ) Monthly income of {$6600.00} is " insufficient to sustain any payments under any available loan modification program ''. The value of my home is {$650000.00} as determined by the lender. I do not understand how my income can possibly be insufficient to sustain any modified payment program. 
2 ) Current obligations are " excessive in relation to income ''. I do not understand what qualifies as " excessive '' and why it is a measurement for qualifying for loan modification. 
3 ) The amount of good faith payment is " insufficient to offer a loan modification ''. I do not understand why a good faith payment is a requirement for modification especially when it is not mentioned in the application for a loan modification. None of the lender 's documentation indicates that a good faith payment is required or what the minimum requirement is. I offered {$20000.00} from my 401k plan as a good faith payment with the second application. 

Along with the latest denial letter, I also received a letter stating that I can not make any more modification requests, that the lender 's decision is final, and that my only options going forward are a short sale or deed in lieu of foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a inquiry on my report I do not recognize from Barclay 's with the pandemic and all why are some companies posting applications, please remove this inquiry from the XXXX report
Product: Checking or savings account

Unauthorized transactions, fraud .. and they didnt give me my money back because the banker didnt do the second dispute right. They say it was over the 30days but it wasnt. They didnt give me the chance to make another dispute for the more recent fraud transaction that still fell between the time frame of the contract. So now Im left with nothing and {$5500.00} gone
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent several letters to the 3 major credit reporting agencies ( XXXX, XXXX, and Equifax ) disputing incorrect information on my credit reports. I have attached all of the paperwork that I sent for your review. I need this information fixed because it causing me financial difficulties.
Product: Debt collection

I am writing to formally request verification and supporting documentation for the information you have furnished to the credit reporting agencies regarding my account, numbered XXXX. Upon reviewing my credit reports, I have identified discrepancies and inaccuracies that require immediate investigation and resolution. These discrepancies are inconsistent with the Fair Credit Reporting Act ( FCRA ) requirements for accurate and fair reporting. 

Discrepancies Identified : Amount Owed : XXXX reports the balance as {$900.00}. 

XXXX reports the balance as {$890.00}. 

Discrepancy : {$10.00} difference. 

Date of First Delinquency : XXXX : XX/XX/year> XXXX : XX/XX/year> Discrepancy : XXXX variance. 

Date of Last Payment : XXXX : XX/XX/year> XXXX : XX/XX/year> Discrepancy : 1-day variance.

These differences call into question the accuracy and reliability of the information you are reporting to the credit bureaus.

Request for Verification : Pursuant to 15 USC 1681i, I request : Complete Documentation : Copies of all records, agreements, payment histories, and correspondence related to this account that verify the accuracy of the information reported to the credit bureaus. 

Proof of Ownership : Evidence that Convergent Outsourcing , Inc. has the right to collect on this account, including a chain of title showing the transfer of ownership. 

Details on Discrepancies : A detailed explanation of the discrepancies outlined above and how they were determined to be accurate during your reporting processes. 

Congressional Findings of the FCRA : The FCRA states that : " The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. '' It is essential that you provide the requested verification and documentation to ensure compliance with the FCRA and to maintain public confidence in the credit reporting process. 

Next Steps : Please provide the requested documents and verification within 30 days of receipt of this letter. If you are unable to verify the accuracy of the information, I request that you promptly notify all credit reporting agencies to delete this account from my credit file. 

Failure to comply with this request will result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies for violations of the FCRA. 

Thank you for your immediate attention to this matter. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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  BANK XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i XXXX request an extension of the block. During the block, you XXXX not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oregon XXXX sent {$150.00} to Professional Credit Services, " collections ''. {$100.00} of it was paid to Professional Credit Services, " collections '' in XXXX XXXX. {$60.00} was paid to XXXX XXXX XXXX XXXX XXXX. XXXX did not recognize this payment until XXXX of XXXX. They sent the payment of {$60.00} to the collection agency in XXXX of XXXX. The collection agency and XXXX are requiring me to pay interest on the balance previously paid. XXXX had the funds for almost 4 years. They reported the full amount on my credit report for 4 years. I made XXXX aware of the issue, they paid the collection agency XXXX XXXX, and the interest is now on my credit report. I asked XXXX to pay me the interest or write off the interest and they wo n't. The interest is {$17.00}, it is not the amount but the lack of reconciling my account for 4 years and than demanding interest on money they had all along. XXXX owns the debit, the collection agency did not purchase the debit. From my point, this needs to be removed and back dated off my credit report. I have contacted both XXXX and Professional Credit Services and both will not release the interest on money they had for 4 years. I would like to see both these companies fined for abuse of my credit report. They both are aware the money was paid 4 years ago and are still demanding interest not earned due to the lack of reconciling my account.
Product: Checking or savings account

This company, Goldman Sachs Bank closed my account without any notice, no secure message, no phone call, no letter, literally nothing and not only did they close this account on me without notice, but it caused my main bank, XXXX to freeze my entire account again with ZERO notice of this happening. When I tried to resolve the issue I was told they had closed the account as of todayXX/XX/XXXX2017 but yet I still was given no reason why ... I do n't understand how banks can get away with this, its one thing to reject a customer but no they accepted my application I did nothing wrong ... I have only had at most {$1000.00} in the account at any time and what exactly did I do wrong? I demand an answer or I will consider legal action.
Product: Debt collection

Today I checked my credit report and noticed this account was still reflecting which it is causing problems with my financial credibility, delete and block this account on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX ACCT. XXXX XXXX DATA BREACH, IDENTITY THEFT
Product: Student loan

Discover Loans +   XXXX   student loans ( multiple over {$20000.00} paid in full ). ALL PAID in FULL but Credit reporting agencies still show open on all after 41+ days. Discover an d  XXXX  were no help after many direct phone calls during the last few days and last week.   We have account numbers and all needed INFO to Identify. These companies were impossible to work with to clear this matter.   Please Help. Both Parents have co-signed to help children.
Product: Vehicle loan or lease

The company is violating my privacy by reporting late payments to the credit bureaus. In XXXX I submitted a complaint to the company about the vehicle, I have drove this vehicle a handful of times. The transmission went 3 times and then the engine. I no longer have their vehicle as it was junked. I never signed MY SIGNATURE on any documents! I have tried to contact the company several times to remove any late payments and lower the amount but instead the only care about adding on fees and charging more money on to the loan. A car that was worth XXXX is now up to XXXX. During XXXX the CARES ACT was provided no company was to report or add on to bills and this company was still adding on late fees and reporting late payments to the credit bureaus when I was not even working and sick. Ive tried to come to SEVERAL AGREEMENTS with the company and so they care about is the vehicle! Im ready to take legal action now because now this has been over 6 years and still adding interest and I have been trying to make payments and yet they do NOTHING to work with people!!!!! I will no longer pay and I will have my attorney fix it unless they are willing to send in to the credit bureaus a letter to fix late payments!!!
Product: Credit card or prepaid card

End poverty Citibank for HomeDepot will not extend COVID19 relief letter states too many accounts with high balances/ bankruptcy ETC reduced credit score isn't always the case-I still asked for the relief while making payments what I could if not in full but they won't wave the late fees. I am struggling to make payments and do not want to want away from my debt/responsibility. You claim underwater they give add weights we drown. Life is not bankruptcy but a meeting of the minds help customer to stay current with debt payments but it's all based on your creditworthiness. A system designed to further penalize and thus impoverish/ ruin instead of a hand up. I just want to get current they won't wave the late fees claim same reasons for denying any more COVID 19 relief.
Product: Checking or savings account

I am a fairly sophisticated banking user. I have accounts at several institutions and am used to transferring and applying funds between my accounts. I use XXXX for example to transfer funds from XXXX XXXX XXXX to Chase - the funds are available and subtracted THE SAME DAY between these two institutions - almost real time. 

I have 3 accounts at XXXX XXXX XXXX A checking account, a HELOC account and a Mortgage account. All at the same place. When I allow Chase to autopay from my checking to my HELOC ( and ONLY on Autopay ), funds are removed from my checking 2 business days PRIOR to the funds being credited to my HELOC account. Chase shows the reduction in my checking balance, but no entry in my Heloc account for 2 whole days - meaning, if this is bulked up, every customer at Chase, they are using internal transfer delays to create liquidity - I am a small part of this pool of funds but, given that its within Chase ( the same institution ), there is no external transfer, this seems very inappropriate to me. It doesnt happen even between Chase and XXXX or Chase and XXXX, or for transfers I initiate, only internally at Chase where they have control of, and access to, the moving money