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

Im filling 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 ant 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, credit repair services, or other personal consumer reports

I am a joint owner in this lian with my niece. Payments were behind with Credit Acceptance XXXX XXXX XXXX Mi XXXX. The account charged off in 2018 we were sued and payment arrangements were made with the attorney. It looks like the charge off was reversed and it is appearing as an open delinquent account on my credit bureau. I never received a notice that this was going to be done. I thought once an account was charged off that it remained as such unless an error was made by the creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

More than once I asked Experian to verify to me how they obtained the Bankruptcy information on my Credit Report when I asked them for their Method of Verification. Instead, Experian indicated to me that the Outcome Remains, by stating to me that the company that reported the information has certified to Experian that the information is accurate. Experian was able to tell me that the company certified the Bankruptcy as accurate on my Credit Report, but they also certified that they do not really know what company gave them the information by their Wording! Experian said that they MAY have obtained the Bankruptcy information through a third-party vendor, XXXX XXXX XXXX XXXX XXXX. 
How can this Bankruptcy information be certified as accurate when you do not know where you actually obtained it from? When you say MAY HAVE, that indicates uncertainty, also Experian said that the information came from the Courts, I asked the Courts in a letter if they give out Bankruptcy information to third-parties, such as Credit Bureaus, XXXX etc. and the U.S. Bankruptcy Court sent me a letter back stating that they DO NOT PROVIDE INFORMATION TO ANY CREDIT REPORTING ANGENCY. All documentation has been uploaded and attached to this complaint for proof and verifying. 
The FCRA under Federal and State Law states, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of the furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The FCRA requires the Credit Reporting Agencies to follow reasonable procedure to assure maximum possible accuracy of the information they report to a consumers Credit Report. Since Experian do not know where they obtained the Bankruptcy information and the Courts have confirmed that they do not provide Bankruptcy information to any third parties, such as Credit Reporting Agencies, this Bankruptcy is inaccurate and unverifiable and must be deleted!
Product: Debt collection

I looked at my XXXX report on XX/XX/XXXX and still noticed XXXX is reporting incorrect information. I sent my letter XX/XX/XXXX to remove this collection. The amount is inaccurate & I would like this removed from my account.
Product: Mortgage

Nationastar Mortgage has taken over our home loan as servicer and agreed to do a deed in lieu instead of a foreclosure. Now we are getting the run around after XXXX months of trying to finalize the process, this is still impacting my credit on a monthly basis. No one will give us a direct answer on the status and it is always the same thing that is it is being processed for XXXX months.
Product: Credit reporting or other personal consumer reports

XXXX  : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX XXXX XXXX : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX  : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX XXXX XXXX : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 


XXXX/XXXX  : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX XXXX  : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX  : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update.
Product: Money transfer, virtual currency, or money service

I sold bitcoin on Coinbase.com and before I could withdraw the money the account was blocked and I have not been able to log in to the account for 3 months. 

I have complained to Coinbase.com many times without success and Coinbase does not respond to any of the complaints. 

After many attempts at support I only get automatic answers back. 

Reply ] Case # XXXX - Acess to my account Case # XXXX - identity verification Unable to verify your identity + photo
Product: Credit reporting or other personal consumer reports

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, Transunion and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I have a collection on my credit repot from LVNV FUNDING LLC Original creditor : XXXX BANK. I have no idea where this account came from and reached out to this company several times a d I have gotten no verification of this account and I'd like it deleted from credit reports
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The 3 credit Breaus has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The 3 credit Bureaus has failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries reported only in my XXXX, Equifax and XXXX credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax Headquarters XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX Dear sir, I have received another letter from one of your offices in XXXX addressed Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX written dated on XX/XX/XXXX of 2024. This one also mentioned the status unable to process the security freeze. Same to the last one, it asked two documents for identification, one from government issued and one to validate my address ; therefore, I enclose the copies of XXXX passport and drivers license. The letter asked me to decide myself the duration of security freeze. From my experience to add the security freeze, upon the request of some credit report companies, if correct and consistent on their sides, I was asked to file the necessary documents for XXXX years. However, since your company office asked me to decide, and internet search suggested that the victim of the XXXX XXXX could choose the duration. Therefore, I strongly wish it will last XXXX XXXX XXXX ; therefore, it should be from XXXX XXXX, 2024, to XXXX XXXX, 2080. Also, since the letter asked another identification document, I enclose a copy of social security number. 
Sincerely,
Product: Credit card

Purchased a couch from XXXX XXXX XXXX on XX/XX/XXXX, we were given a delivery window of 2-3 weeks. We called during our 2-3 week window to know when to expect delivery and only got to speak with the receptionist who said XXXX would call us back. We never received any phone calls. After the window I reported the balance to XXXX ( XXXX ) to dispute the charge because we couldnt get a response from the merchant and now wanted to cancel the purchase. We were also getting charged before the product was ever delivered. XXXX responded to Synchrony after the dispute was filed stating he attempted deliver which was a lie and that the delivery window was 4 weeks also a lie. then we also discovered he fraudulently acquired my signature on the receipt he provided by trying to hide the return policy my receipt does not have a signature on it because he did not inform me I was signing anything of the sort only my synchrony agreement. Hiding a return policy and not showing it or informing customers of all sales final is fraud. I was not shown the screen he was having me sign just given a signature pad. Synchrony bank will not give me an actual reason for not disputing my charge when I do not have the merchandise and he did not have the merchandise in the given delivery window there for contract is void. And not delivery attempt was made. The first employee with Synchrony I disputed with also told me to refuse the delivery if it was attempted which it never was. This was also reported to the XXXX and they did not receive a response from XXXX. And based off his reviews he has dome this to other customers. The dispute was filed XX/XX/XXXX originally it is currently in dispute.
Product: Credit reporting or other personal consumer reports

I noticed that my personal information is not currently matching up with my I dentification. I would like to get my address corrected and update the city. I have included documents below.
Product: Credit card or prepaid card

I am attempting to redeem Cash Back Rewards that I earned on my Sam 's Club Master Card through Synchrony Bank. My last monthly statement shows that I have {$120.00} Cash Back Balance. I called into the Sam 's Club MC credit service phone number and I reviewed the Sam 's Club credit card web site. The Sam 's Club MasterCard web site offers no information or method on how to redeem your cash back balance. When I called in - the person I  spoke to was unable or unwilling to offer me any method to cash in the rewards and said I need to wait until XX/XX/2020 for rewards to be available but could not direct me to any web site/pages with their rules or explanations of how the cash rewards can be redeemed. It appears that Synchrony Bank Master Card is purposefully making the rules unavailable and misguiding consumers.
Product: Debt collection

On they Year 2018, I went to the US with an Exchange Student XXXX Visa Program. We had our Apartment ( XXXX Apartments ) at XXXX XXXX XXXX XXXX XXXX Florida XXXX. I vacated the premises within 6 months of staying and they did have me cleared. I shared it with a few people on the same program as I was. And they were the ones who stayed until XXXX of the next year. BUT THIS HAS BEEN THE XXXX TIME THEY HAVE BEEN TRYING TO COLLECT PAYMENTS FROM ME. And what I do not appreciate is them locating me where ever I am trying to get me to pay. I DO NOT THINK IT IS SAFE FOR ME THAT THEY ACTUALLY TRACK MY LOCATION AND ADDRESS. You see, I did call the property itself to clear things out XXXX  years ago and NO ONE COULD EXPLAIN TO ME WHAT IS GOING ON. And this is now the XXXX collection company that had contacted me. THIS IS INVASION OF PRIVACY ALREADY. I did tell them if there are any issues I would need to speak with with the property office themselves and have them send me all the contracts I did sign and whatever I do owe. But no one could provide me with any information.
Product: Money transfer, virtual currency, or money service

I am writing formally to express my concerns regarding Zelle handling of disputes particularly in light of recent CFPB lawsuit highlighting significant issues with the platform Despite using Zelle numerous times and reporting decrepancies my Financial institutions and Zelle fail to investigate my claims adequately, they inform me that covering lost funds was impossible and tracking these transactions was infeasible the CFPBs findings indicate that Zelle has not only neglected to protect consumers but has allowed repeat offenders to exploit the system leaving users vulnerable to scams, The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting or other personal consumer reports

On XX/XX/2022 XXXX XXXX XXXX issued a credit card using my information to someone in a state I have never lived in nor traveled too I contacted XXXX XXXX XXXX they could not find any information on the card but its still reporting on my credit report.
Product: Credit reporting or other personal consumer reports

It is not possible to freeze and unfreeze my TransUnion credit report online or over the phone when live customer service is not available. To freeze and unfreeze my TransUnion credit report I have to call customer service and always speak with a live agent. They advertise easy freeze and unfreeze online, but it is a total lie. 
I drove XXXX miles today to purchase a vehicle and unfortunately the dealership was unable to check my credit report. I tried endless times to unfreeze online and over the phone without any luck.
Product: Debt collection

This debt was discharged because of the age of the debt in the State of Maryland. The original debt was from XXXX XXXX and it has been many years since it became aged out. The company First Step Group and XXXX XXXX XXXX is continually calling and sending demanding letters asking for payment. Then in small letters at the bottom it says because of the age of the debt they can not sue or report it to credit reporting agencies. Yet, I think it would be odd if the law allowed them to harass me to the end of time. If the State of Maryland has said the debt is old and I do not have to worry about it anymore that is just what I have done. They bought this debt for pennies on the dollar and that does not give them the right to try and bully me into paying them, which I am not. I would like you to reach out to them because this company is breaking the law in the State of Maryland by trying to collect this debt.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the unresolved correction of late open accounts on my credit report despite numerous follow-up attempts. 

Despite multiple submissions of disputes and diligent follow-up efforts, the correction of these late open accounts has not been addressed satisfactorily. 

As a consumer, I am deeply concerned about the accuracy and fairness of the information contained in my credit report. The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies thoroughly investigate and promptly correct any inaccuracies brought to their attention. 

I demand that your agency conducts a thorough review of my disputes and expedites the correction of the late open accounts on my credit report. Furthermore, I request written confirmation detailing the steps taken to address this matter and the resolution thereof. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX Balance : {$140000.00} XXXX XXXX XXXX Balance : {$190000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company has changed my open date to 2011, provide verification documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously filed a complaint against XXXX and the other bureaus for REDLINING my credit. My credit has not been reevaluated by the companies in over 2 months. I continue to see a score decrease or no change at all from XXXX. Most recently I have had success removing a high balance of {XX/XX/XXXX} down to {XX/XX/XXXX} on XX/XX/2022. XXXX is stating that the collection is only showing a balance of {XX/XX/XXXX} and no previous high balance. Which means that there was no change to the collection account when there actually was a signifigant change. The remaining {XX/XX/XXXX} is set to be romoved by XXXX XXXX XXXX once the State of Maryland updates. I have no other collection accounts on any of my reports. I have continued to be REDLINED by these bureaus.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, Paypal permanently limited my Paypal account without providing any valid reason. 

When I ask for a reason, they say there's a " potential risk '' on my account but refuses to tell me what this risk is supposed to be. 

They won't release my fund to me as a result and was told I have to wait for 180 days to get it. 

However, upon research I found out that they never even give it to you after 180 days. 

https : XXXX I asked them to at least refund the money back to the original buyer of my service if they can't release the fund to me but they won't do that either. 

I can't even log in to their system anymore because they locked me out. They told me I should be able to log in again after 24 hours but I can't trust them. 

Please help me out. I will provide you any personal information necessary if asked to provide. You can do a background check on me with FBI, CIA or whoever because I am an innocent law-abiding citizen.
Product: Credit reporting or other personal consumer reports

This morning, I noticed that my credit report contained incorrect accounts, and I have no idea how they got there. When I checked my report as I usually do, I was surprised to find unexpected discrepancies. I even refreshed my browser, thinking it might be a temporary glitch, but the inaccuracies remained. Because of this, I kindly request that the documents Ive provided be thoroughly reviewed so that I wont have to worry about this issue again.
Product: Credit card

I consistently make my payments on time, so I'm confident in this fact. What perplexes me is why this company is marking me as late for certain months, which shouldn't happen. According to USC 1666b, any billing errors must be corrected and updated to reflect payments as agreed.
Product: Money transfer, virtual currency, or money service

I attempted to send money via Venmo and my account was frozen. I reached out to customer service and they refuse to tell me why. At this point I want to deactivate my account but they wont allow me and are holding {$32.00} of my money and wont allow me to withdraw it. All attempts to resolve the issue have been met with zero information just claiming someone will reach out in the next 4-5 days.
Product: Vehicle loan or lease

Hi My name is XXXX XXXX, The company name is Ally Financial Account number is XXXX There were complaints about this company. I paid this from XXXX through XXXX payment XXXX a month XXXX down payment. The total amount add up to XXXX. In XXXX I had financial problems I filed bankruptcy. 
The car was almost paid off my husband the veteran I was stressed out. 
I didn't add the payments until now 10 years after the bankruptcy the car was paid off back in XXXX. The payments was already paid for ownership for this vehicle. 
Last Friday I got a call from Ally Financial and he said, he was surprise I took the call, I told him I paid the car off I didn't need to hide. I went back in books My XXXX  showed that I made payment from XX/XX/XXXX XXXX up until XXXX that total XXXX down payment was XXXX 
Ally had complaints because I received this letter from CFPB DATED XXXX XXXX ALLY FINANCIAL COMPLAINT this is just another one I paid the car off and they talk reprocessing my vehicle after i paid the car. I wrote show proof of payments.
Product: Student loan

Navient is mismanging my loans and harrasing me everyday 24/7. they keep caling early in the morning and late at night. i told them do not be calling before XXXX or after XXXX. they told me they had the right to call, i kindly informed them that they didnt have the right to. then they called from a third party from rhode island, placing me on hold.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Mortgage

I have submitted this complaint multiple times to Ocwen and to CFPB. I would like someone to call me this time please. Here are details. My dad passed away XX/XX/XXXX and my mom in XX/XX/XXXX. Mom fell behind on payments due to sudden illness. Ocwen refused to apply any payment after that to the home. I am an only child. I have sent copies of death certificate, will and my identifications ( I will attach all those copies here ). They STILL have not contacted me. Each time you send them my complaint, they respond with " you need to send us the death certificates and apply for assumption ''. They never return my phone calls or my emails. I HAVE sent the death cert. I in fact, had my lawyer call and get the email to send them to. This is the email that XXXX, employee # XXXX gave my lawyer XXXX. I want to pay off the home. I do not want to assume the loan. They will not respond to ANY of my correspondence. I have tried to contact XXXX XXXX, office of consumer ombudsman, she only responds to send more paper. She does not call, or email. The paper she sends says " send death cert. '' WHICH I HAVE ... MULTIPLE TIMES!. Ocwen clearly does not want to work with me, because I am trying to PAY A LUMP SUM and pay off property and I HAVE SENT ALL NECESSARY AND REQUIRED PAPERS. They just want the property. Which I will sue for. Intervene please