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

1. Detailed history of payments made by me on this account, 2. Original contract with my signature claims filed on this debt.

3. Have there been any insurance claims filed on this debt 4. The Purchase Agreement 5. Proof of the chain of title you have to collect this debt
Product: Credit reporting or other personal consumer reports

I XXXX XXXX recently reviewed my credit report and I found unauthorized number wrong accounts listed on records etc will be attached in files
Product: Credit reporting

I have been trying for two days now to get Experian to send me my free XXXX score and credit report to no avail. I first attempted to acquire my information through their website, which kept giving me internal error messages, so I called them. During this call they attempted to get me to sigh up for a trail program and pay fo my report. When I rejected their offer I was told that I need to call another number, which turned out to be their automated line, which again wanted me to pay for it. 
I made several more attempts online and continued to receive errors. I even tried XXXX, and it gave me my XXXX and XXXX reports, but also errored out on Experian. So I called them again, and they told me that the only way that I could get it would be to pay for it. WHAT a RACKET!!! The whole reason that I am attempting to get their report is to try correct their errors. They are reporting my XXXX score XXXX points lower than XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Vance and Huffman showed up on my credit XX/XX/2022 for two separate accounts. XXXXXXXX XXXX and one for XXXX XXXX Says its like a finance company. When I tried to call and find out what it was the number was a credit repair company. I never did get to the bottom of it. Before I knew it the guy tried to set payment to automatically be paid and I had only talked to him for 5 minutes. Promised to have things removed. Maybe they are the ones who added the company to my credit report somehow? Someone also started XXXX XXXX XXXXXXXX XXXX and never made one payment also they got a phone from XXXX XXXX XXXX no payment ever made. I have disputed them several times on XXXX XXXX and they say information is correct. How can I prove its not the information Im disputing. Im disputing that it was not the correct person!!! How come it was so easy for them to get things with my information and I cant smh
Product: Vehicle loan or lease

On XX/XX/scrub>XXXX i was involved in a not-at-fault vehicle accident in my new XXXX Toyota XXXX truck. The next day, i took it to a Toyota XXXX XXXX XXXX Now more than 60 days later, Toyota refuses to allocate the necessary repair parts. I have tried to get out of this lease, but Toyota will not help me in any way.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these accounts were 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 be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX JXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : EQUIFAX PARTICIPATING IN IDENTITY THEFT XXXX XXXX Last4 : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX ( XXXX ) XXXX Hello, Again with a complaint against XXXX, EQUIFAX AND XXXX in regards to multiple account that are listed on my credit report under my name that are in fact erroneous. 
I will file suit against EX and all CRAs listing erroneous accounts under my name and social security number. 
EQUIFAX, XXXX AND XXXX are all cohorts in knowingly publishing fraudulent account under Americans names without verification and authorization and my name just so happens to be on that list. 
This is the XXXX time I have made specific demands against this felonious organization to remove such information from my EQUIFAX credit report to no avail. 
Again, this is a DEMAND to remove the following listed items without prejudice : XXXX XXXX : BAL : {$12000.00} XXXX  XXXX  XXXX-BAL : {$12000.00} XXXX  XXXX XXXX-BAL : {$1600.00} As can be seen on my report, I have ZERO collections and per my history, all of my finances are paid on time. 
This CRA is an active participant in the destruction of the American Consumers credit rating and history. They are knowingly reporting information that is non-factual just because they can and will. 

I ahve opened a case with the Federal Trade Commission detailing such activity and have attached the report. This will also be sent to the respective Attorney general TO investigate this CRA! 

The following INQUIRIES will also be removed from my report, IMMEDIATELY without prejudice! 

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, I-XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX  XXXX-XXXX XXXX, XXXX XXXX XXXX XXXX  IXXXXC-XXXX XXXX, XXXX XXXX XXXX XXXX XXXX-XXXX  XXXX, XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX FOLLOWING RESIDENTIAL ADDRESSES WILL ALSO BE REMOVED FROM MY REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT, XXXX XXXX XXXX CT
Product: Debt collection

XX/XX/XXXX Loss Draft Department of OCWEN refuses to endorse insurance claim check in the amount of {$13000.00} after assuring contractor that they would not handle second claim check any different than first claim check. OCWEN has returned check twice without endorsement. Contractor has placed lien on property to recover amount owed. OCWEN failed to provide written documentation of what the process is. Wants me and my spouse to endorse the check first and they will " reissue '' an OCWEN check to Contractor and us. Work is complete and OCWEN inspector has been on site to verify the work ; yet they still refuse to endorse the insurance claim check from XXXX XXXX. 

XX/XX/XXXX Loss Draft Department of OCWEN refuses to endorse insurance claim check claiming they need to monitor the work. Can not provide an explanation for withholding their endorsement.
Product: Debt collection

This is an EMERGENCY dispute.This needs to be reviewed by a human, and a supervisor immediately..This is a new dispute that will also touch on other violations that is in need of immediate viewing by the staff at CFPabThis is not a duplicate dispute as claimed by the collection agency Financial Data Systems , do to their immediate actions today to conceal this dispute against them recently in a manner that is profoundly concerning and I feel others may becoming a victim or have been to this behavior and other actions by them -. I chose the closest descriptors to this complaint as the cfpb does not have an option for me to chose coercion against me in a personalized letter to me which is a direct violation of the rules, regulations, laws, ethics and federal agencies as a part here of, have pledged to do after creditors or collection agencies or furnisher that uses any form of communication including, and specifically addressing coercion as one of the most serious violations that a collector could engage and willfully cast upon anyone that has a collection with the so called collectors Company Furthermore, today The same company, Financial Data Systems, witted themselves in a clever process of spamming replies to CFPB and apparently tagging all responses as duplicates to other complaints that they fell short of, did not resolve, and has not provided one satisfactory resolve to the amount of disputes filed against them - it seems to me that Financial Data Systems have cleverly learned how to manipulate this dispute process with CFPB as they have for years with the credit bureaus and I have proof that they have perjured themselves many times by supposedly validating the two medical bills in question on my report for years with all three of the major Credit bureaus, according to their many responses to me, but they admittedly told you in a previous complaint that they did not have ang validation documents and they would get in touch with their client the original client and have them send me that informationand guess what- they didnt, but they did send me a letter with content that was wrong, threatening by coercion withs regards to me filing disputes which by the way were all ethical and permitted by law, and now we are bringing to your attention their act of misuse of this CFPB And mountains of proof, I am filing this with CFPB and if the FTC and if this is not addressed immediately I am reporting them to the FBI for the many many issues and their reporting of - to my credit account. I have been more then lenient but the behavior of that company is appealing and is making a mockery out of this entire system and violating my civil rights along the way with no remorse or contribution to the ongoing damages upon me.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, my partner XXXX XXXX makes me a transfer through the Wise platform, which sends me the link to follow up. For XXXX XXXX NUMBER XXXX They argue that my transfer and reached my account, but the money was never reflected. I have the receipt, I have already sent you many emails and it does not solve anything at all. 

In some emails they tell me that it will be solved in five days. In another email. They tell me that only the person who sent the money is Who? You can follow up to date today. XX/XX/XXXX. It's time that it doesn't look reflected and they don't give me an answer.
Product: Mortgage

Kondaur Capital stated that they have paid for my home owners insurance as of XXXX/XXXX/2016 to my insurance company XXXX, account XXXX and policy number XXXX. If they have done so they need to contact my insurance company immediately and provide proof of payment. 
Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX did not have permission to access my credit report in XX/XX/2017 which led to a forged and fraudulent loan. This request is over 1000 days old.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for XXXXonsumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Debt collection

I contacted all of them by phone, but since my ex-husband left withnothing but my cloths on my back, all documentations support, I do n't know what he did with everything I owned either, includingall my accounts, assets, personal information, birth certificate, drivers license, ss card, passport, etc. etc. He fled back to XXXX, used me for XXXX. I got the information from XXXX, complaint to them alsoand who to call to dispute and I did to all of them and also to credit bureau online. All the best ... ... XXXX XXXX number : XXXXMidland Funding LLCUS ( XXXX ) XXXX collector account numberXXXX $ XXXX collector XXXX $ XXXX XXXX XXXX XXXX XXXX {$400.00}
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, declare that my identity has been stolen and used to open various fraudulent accounts without my consent. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from my Experian consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. The following accounts were opened in my name 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 fraudulent accounts and hard inquiries in question. 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 ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Reviewing my credit card at the online site, I noticed that my credit limit decreased from {$3000.00} to {$1500.00}. On XX/XX/year> I called and spoke with a customer service representative and explained that my credit limit was deceased. I confirmed in the past 12 months, I was late making a payment once, this was in XXXX XXXX, the payment was made on the XXXX day after it was due. I requested to speak with the department that could listen to my complaint ; and honor my request to to appeal. I was told XXXX XXXX XXXX does not have a department like that. I was then told that I would have to dispute the decrease with TransUnion ; the credit bureau because they determined that my XXXX credit limit should be decreased. I am disputeting this info. After my late payment in XXXX, XXXX did a soft credit pull and because of adverse I formation on myveport ; XXXX reduced my credit card limit, this is what I believe oppose to the info I was given ; that transunion reduced my credit limit amount based on adverse info on credit. Then my credit limit was decreased from XXXX to XXXX ; my current balance at the time was XXXX ; so now my credit card utilization is at 90 % ; which is not a fair reflection of my credit report I Iwould like my account reviwed and my credit limit returned back to XXXX.
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/year>, I fell victim to two multi-layered scam operations, which involved me making deposits for a total amount of XXXX XXXX  from my JP Morgan Chase account to fraudulent investment firm.
Product: Mortgage

I am trying to sell my old home in XXXXXXXX XXXX The buyer is assuming the mortgage. The mortgage company is Freedom Mortgage, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX, Principal Address at XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX. The loan number is XXXX. 

My condo went under contract in XXXXXXXX XXXX XXXXXXXX. It is now XX/XX/XXXX. We have not been able to close on the contract because Freedom has not yet approved the assumption. Freedom 's agent in our case, XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, has told us that on at least one occasion Freedom moved so slow that we had to re-provide documents and information we had already provided because it was now out of date. 

My wife and I have had to continue making the mortgage payments throughout this wait. It is causing us substantial financial hardship. My understanding is that this is taking so long because Freedom is not sure how to actually approve a XXXX loan for approval. My family is bearing the cost of Freedom learning how. Please help!
Product: Mortgage

Freedom Mortgage bought my mortgage without my knowledge or permission. I believe this to be lawful but sad to the customer. Starting in XX/XX/2021 I have asked multiple times to have an analysis completed of my escrow balance. I believe the amount in the account is extremely high. Each time I request this I waited the allotted time in which the mortgage company informs me that it takes to complete this analysis and every time it is never done. I have made 5 calls from XXXX - XX/XX/2021 and then again today XX/XX/XXXX. Each time the representative " sees '' the request but that is it. They have nothing more to offer other than yep, we see it. The work to actually do the analysis is never done. I believe surplus in my escrow is an excess of {$7500.00}. The first 2 calls in XXXX and XXXX Freedom Mortgage claimed they could not see my escrow details in their system but I could see them on their website. Again today, they are requesting the analysis AGAIN. No results.
Product: Checking or savings account

On XX/XX/XXXX filed a complaint with Navy Federal Credit Union that my XXXX  XXXX had breached my personal and medical info. The bank agave me a credit of {$500.00} back. I had made a good faith appointment for the next week and paid {$500.00} deposit on XX/XX/XXXX. I went to the XXXXs online portal and my medical information that was password protected showed another patients information instead of mine. Clearly this is a web issue. I called upset on the XX/XX/XXXX am to share the breach the office staff agreed to cancel my appointment and refund my {$500.00}. The only problem XXXX  XXXX wanted me to give them my debit card info again. I said, I will not. Thats what prompted me to file with the bank. On XX/XX/XXXX bank adjustment of {$500.00} taken out of my account. No advance notice just said when I called XXXX XXXX showing cancellation policy. This policy was null and void when the XXXX breached my medical information. I should have received refund. This cause my account to not have funds to cover my expenses which created fees being charged on top of {$500.00}. I sent the bank emails sharing the events of messages and response from XXXX. On XX/XX/XXXX after 2 weeks of gruesome phone call with bank I did an appeal they still denied refund.
Product: Vehicle loan or lease

I have reason to beleive that VW CREDIT , INC. willingly and knowingly took advantage of me and my consumer credit. I was given false and deceptive information regarding the consumer credit transaction for the XXXX VOLKSWAGEN XXXX XXXX ON XX/XX/XXXX. I Have attempted on multiple occasions to dispute the misinformation directly with VW CREDIT , INC. but to no avail, hence the reason for the filing of this complaint as well as an Arbitration Case Filed with the XXXX XXXX XXXX XX/XX/XXXX ( Case # XXXX ). A First Round Of Correspondence Notices were sent via certified mail to VW CREDIT , INC. on XX/XX/XXXX, Said Correspondence was stated RECEIVED via tracking per the XXXX received XX/XX/XXXX at XXXX & XX/XX/XXXX at XXXX. A Second Round Of Correspondence Notices Were sent via certified mail to VW CREDIT , INC. on XX/XX/XXXX, Said Correspondence was stated RECEIVED via tracking per the XXXX received XX/XX/XXXX at XXXX & XX/XX/XXXX at XXXX. My Dispute was never addressed and has been dragged out forcing me to exercise my rights as a consumer and formally file the disputes with the XXXX and CFPB.
Product: Mortgage

I applied for a HELOC with KeyBank. After a week I was informed that my credit score was too low and would be turned down. I was told my score was XXXX. My scores are in fact XXXX points higher than that, in the XXXX-XXXX range, and no where near a XXXX. I produced valid XXXX credit reports from other lenders to prove this and was told it would be investigated. After an " investigation '' I was told that KeyBank uses a different scoring system with XXXX than other lenders. I was then then told that I could re-apply with a different division of KeyBank that would pull a credit report from a different reporting agency. Unfortuntely after attempting to do so I was told that would not be permissible for another 60 days. I have never heard of one bureau reporting scores to a bank that are XXXX points lower than what they are reporting to others. I do not feel that I should have been subject to waiting a week to hear this news after having submitting all of my required income documents at the time of application.
Product: Credit card or prepaid card

American Express wont give my my negative balance back ( need for rent and for other card debt ). They told me that they can wire it to me once the balance is below XXXX. It would be quicker than mailing a check. I said great. 
Then it became 3-5 business days.After memorial day, i check back, they are now saying 12-15 business days. 
I will have to choose between missing a credit card payment, or skipping rent. 
This is not morally right. 
Wire transfers are almost instant. 
This seemed at first an AP days stretch of 3-5 business days.

Now its 12-15 ... and im going to default from this 'anomaly ' Card ends in XXXX ( amex magnet )