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 acts have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions were unfeasible. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

On XXXX, XXXX, during a review of my personal credit reports, I found reporting information to be incomplete and inaccurate. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure the maximum possible accuracy of the information relating to the individual and accounts. 

The following accounts are incomplete and inaccurately being reported : ( XXXX XXXX XXXX Account # XXXX ), ( XXXX XXXX Account XXXX XXXX ), ( XXXX XXXX Investments- Account # XXXX ), ( XXXX XXXX XXXX Account # XXXX ), ( XXXX XXXX  XXXX- Account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX, Account # XXXX ), ( XXXX XXXXXXXX XXXX Account # XXXX ), XXXX XXXX XXXXXXXX XXXX Account # XXXX ), ( XXXX XXXX XXXX XXXX Account # XXXX ), ( XXXXXXXX XXXX Acount # XXXX ), ( XXXX XXXX XXXX XXXXXXXX Account # XXXX ). 

Furthermore, these reports do not adhere to 15 U.S. Code 1681s2 which states, " 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. '' Please reference attachments of findings.
Product: Credit reporting or other personal consumer reports

I received updated paperwork form Transunion, however, they did not provide any proof that I made a 30 day late payment. The only showed the current credit report filing. I'm demanding actual proof that I have a 30 day late on the XXXXXXXX XXXX XXXX XXXX that closed back in XX/XX/year>. I also attached proof that I have never been late on a payment. 

I'm demanding documentation proving of the 30 day late payment reporting on my credit report for XXXX XXXX. This account was closed in XXXX I have never been late on any payment and this was added in error. My credit report shows exceptional in no late payments except this error. I demand this is removed. The document Transunion provided just stated they weren't removing the error.
Product: Debt collection

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Act 15 U.S.C 1692 Capestone Credit & Collec has violated my rights. 

15 U.S.C 1681 section 602 A. States I have 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 1692 section 805 A. States that a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place known or which should be known to be inconvenient to the consumer.
Product: Bank account or service

I made several purchases again from XXXX. ; XXXX posted as normal and for some reason XXXX posted late and caused a bank charge of {$38.00}. There is another bank charge for a car loan that I missed a deposit which is my fault but they charge another late fee {$77.00} total. I have no control over when items post. I understand that but there has to be exceptions. The money was there but the posted thing is hard to understand. I am on a fixed income and there is no more until XXXX. How about stopping this {$3800.00} until then so I can have some money to live with for next month? You have made plenty in fees this month. This is my last not to customer service : " Regarding account : XXXX - I understand that but there has to be exceptions. The money was there but the posted thing is hard to understand. I am on a fixed income and there is no more until XXXX. How about stopping this {$3800.00} until then so I can have some money to live with for next month? You have made plenty in fees this month. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with 5/3 BANK NA, XXXX XXXX ( Original Creditor : XXXX XXXX  ), and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX XXXX, 5/3 BANK NA, XXXX XXXX ( Original Creditor : XXXX XXXX ), and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Bankruptcy Reference Number # XXXX In XXXX of XXXX, I filed for bankruptcy. Since then the bankruptcy has been XXXX and is reporting on my credit reports. 

I sent a letter to the USBK Court XXXX Illinois asking them to verify the information that was reporting to the credit bureaus, XXXX, Transunion and XXXX and the Clerk of the Court responded saying that they do not work with any credit bureaus.

I have previously disputed with Each bureau Transunion, XXXX, and Transunion an in response they reported the information as accurate, stating that the information was verified with each bureau. That has been found not to be true since the courts veriifed that they dont work with credit bureaus. 

I am requesting that this bankruptcy be removed from my credit reports since the courts stated that they do not work with any credit Bureaus.
Product: Credit reporting or other personal consumer reports

I am fling a complaint against Equifax for failing to properly investigate my dispute regarding inaccuracies in my credit report. Despite my submission to the CFPB on XX/XX/year> ( case number XXXX ), Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations.

I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Money transfer, virtual currency, or money service

they been suspending my account for no reason, when I call for help they say that my case is being handled by account specialist but it never get resolved, and my money stays locked in the account, I cant send it to anyone or withdraw it
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of my written request, the unverified account listed below is still reporting on my credit report in violation of federal law. The EQUIFAX Credit Bureau failed to comply with the Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the account completely from my XXXX XXXX : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am one of the victims EQUIFAX DATA BREACH. I never received any emails or any letters from them regards to filing a claim. However I checked my eligibility On their website And it confirmed that I am one of the victim. 

Today I spoke to the representative and I explained her the situation and she said she can not help unfortunately because the deadline has been passed. The question is how would I know if I am one of the victim of their identity theft? Received any documents anything from them regards to this issue. And I requested the representative to speak to a supervisor but unfortunately she could not get a supervisor to speak to me according to her. I would like to file a claim and process the claim like others. Once again I never received any notifications any letters any emails from them regards to the settlement or filing a claim.
Product: Mortgage

Hi my name is XXXX XXXX and my property was wrongfully foreclosed on XXXX/XXXX/2016 by Bayview Loan Servicing , LLC while I was in the process of a modification, I was currently in review for the HAMP program and was told to get insurance, while I was shopping for insurance my home was foreclosure and now i am left homeless as I have already been evicted from the property.
Product: Checking or savings account

FNB processed a fraudulent check in the amount of {$3900.00}. FNB has refused to put the money back in our account due to their error. I immediately notified the bank. I was told an investigation would be started..I was told that I needed to file a police report, which I did. The following day, I attempted to contact the assistant manager as instructed. Her number went into the company directory and there was no individual listed with her name. I was unable to also leave a voicemail. I emailed the assistant manager but received no reply. I've been in the bank several times to speak with individuals regarding this matter and the assistant manager never attempted to engage me in conversation. 

On XX/XX/year> hours provided an affidavit of forgery or alteration and was told that this needed to be signed. I was provided another form which my lawyer advised me not to sign. Since I was unable to return this form for a few weeks I received a letter which was the only written instructions I received from the bank, to return this affidavit or the investigation would be stopped. On XX/XX/year> this affidavit was returned to the bank. However, after I left the bank, the assistant manager notarized this form without my consent and me being present and signing it in front of her. The date on this form was also altered. I filed a complaint with the state notary board and in the process of contacting the local police for criminal prosecution. 

On XX/XX/year> I again presented to the bank and asked about this matter. I was told that I needed to bring in the police report but was never told us. Throughout the whole process I was never provided any written policy, instructions, etc. to indicate how the process worked. On XX/XX/year> I contacted a regional manager and left a message. This message was also unreturned.
Product: Mortgage

Saxon Mortgage is inaccurately reporting the mortgage that I had financed with them. 1 ) The account is still reporting open on my credit. The account was sold to XXXX in XX/XX/2009. This account should be reporting closed. ( The Date of First Delinquency has exceeded 7 years therefore it should be deleted from my credit file ) 2 ) The Date of First Delinquency is reporting inaccurately. Saxon is reporting XXXX XXXX as the Date of First Delinquency. Based on the payment history they are reporting, the date that led to my account being placed in collections was XXXX XXXX. 3 ) I have duplicate mortgages reporting on my credit which is affecting my credit score and has affected my credit score since it was sold in XX/XX/XXXX. 6 years I have received a negative impact on my score for Saxon inaccurate reporting. All issues are a violation of FCRA.
Product: Credit reporting or other personal consumer reports

I submitted a complaint XX/XX/2023 ( complaint # XXXX ) concerning an unauthorized inquiry on my credit report. 

The inquiry from XXXX ON XX/XX/2023 was removed with the two inquiries from XXXX now appearing on the credit report. XXXX XX/XX/2023 and XXXX XX/XX/2023. 

These are fraudulent and were done on consecuitve days!
Product: Mortgage

I would like to get the PMI removed from my mortgage payment. I called their 800 number and was told they can't do that over the phone and I would have to send a letter. I sent a letter to the address she gave me about a month ago ( 27 days ) and have heard nothing. Now, I was looking around my portal on their website and found my Escrow Summary with a phone number. However, the number doesn't have an area code ; there is no way to call them. It's like they don't want me to remove the PMI so they continue to make extra money. 
I have not ever missed a payment or made on late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially contacted honda regarding the payment information reporting on my credit file and they said it was out of their hands. They stated it wasn't anything they could do. 
On XX/XX/2020 I sent a letter directly to the credit bureaus to validate that the information reporting via American Honda was correct. I can clearly see that payment information is reporting inaccurately across all XXXX bureaus. 
On XX/XX/2020 I sent them a letter asking them to verify how they verify/validate the account. 
On XX/XX/2020 I sent another letter since I had not received a response from all 3 bureaus. 
On XX/XX/2020 I then sent another letter asking them to please delete the late payments from my report since they are reporting inaccurately and they refused to properly verify it with me. 
On XX/XX/2020 I sent in another letter stating I planned to file with cfpb and my attorney general since they are refusing to proceed with a thorough investigation. 
On XX/XX/2020 I sent another letter stating I was going to explore my legal options since I was being ignored. 
On XX/XX/2020 I had send in another letter, and haven't heard anything.
Product: Credit card

i am being charged $ XXXX monthly service fee with a {$0.00} balance on my account. No statements received
Product: Debt collection

Sequium Asset Solutions originally contacted me via e-mail on XX/XX/2023 stating that I had a debt with XXXX that they were trying to collect. I acknowledge the debt since I shut off my XXXX bill after moving in the middle of a billing cycle. However, the company said I had until XX/XX/XXXX to set up arrangements or they would report it to the bureau. I reached out via their website, as suggested, on XX/XX/XXXX. It gave me a confirmation that I was good to go. It was supposed to be paid off by the time XX/XX/XXXX came around. I thought nothing of it aince it would come out of my account automatically. Today, XX/XX/XXXX, I got a notification from the bureaus that they had reported this debt to all of the credit bureaus as unsatisfactory AFTER I set up an arrangement with them. I called them to see what was going on. The first agent told me he did not see an arrangement as ever being made. The second agent, which was supposed to be the manager, told me she saw the arrangement but it was MY job to go back after I received confirmation from them to make sure THEY took the money that they were trying to collect. We went back and forth about this issue. The company was not apologetic about the error, nor did they ask to fix it, and my credit was severely affected due to their tactics.
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. 

Also, they aren't even in compliance with XXXX XXXX credit reporting. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX {$4600.00} XXXX XXXX  XXXX {$2600.00} XXXX XXXX XXXXXXXX {$1900.00} XXXX  XXXX XXXX {$1200.00} XXXX XXXX  XXXX {$1000.00} XXXX XXXX XXXX {$870.00} XXXX XXXX {$760.00} XXXX XXXX XXXX XXXX {$750.00} XXXX  XXXX {$540.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXXXXXX 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 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: Debt collection

Subject : Cease and Desist Letter Regarding HIPAA Violations Dear Sir/Madam, I am writing to you regarding your recent attempts to collect a debt allegedly owed to XXXX XXXX XXXX XXXX on behalf of Stillman Law Office . It has come to my attention that your collection activities may be in violation of

the Health Insurance Portability and Accountability Act ( HIPAA ). HIPAA regulations strictly govern the privacy and security of individuals ' protected health
information ( PHI ). As a debt collector operating on behalf of XXXX XXXX XXXX XXXX, you are obligated to adhere to these regulations. 

It has been brought to my attention that during your debt collection efforts, you may have disclosed or accessed PHI belonging to me, which is a direct violation of HIPAA regulations. This unauthorized disclosure or access to my PHI constitutes a serious breach of privacy and warrants immediate action to rectify the situation. 

Under the provisions of HIPAA, any entity that discloses or accesses PHI without authorization may be subject to severe penalties, including fines and legal action. As such, I demand that Stillman Law Office cease all collection activities related to the debt owed to XXXX XXXX XXXX XXXX until this matter is resolved. 

Furthermore, I request that you provide me with a written explanation of how my PHI was obtained, accessed, and utilized during your debt collection process. Additionally, I require confirmation that all copies of my PHI in your possession have been securely destroyed and that no further unauthorized disclosures will occur. 

Please be advised that failure to comply with these demands will result in further legal action, including but not limited to reporting this matter to the appropriate regulatory authorities and pursuing civil remedies for the violation of my privacy rights under HIPAA. 

In addition, I want to make you aware that should this matter escalate to arbitration, it will result in substantial costs for your company, potentially totaling thousands of dollars. Additionally, I expect compensation for the time and inconvenience caused by this HIPAA violation. Therefore, I am requesting {$1000.00} payable to me for my time. 

I expect a prompt response to this letter and a resolution to this matter within 15 days. You may contact me via email at XXXX Thank you for your immediate attention to this serious issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Capital one has unauthorized charges and they are still asking me to pay and its affecting my score. Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian in regards to the following account that has been reported incorrectly. They refused to conduct a real investigation, and only responded saying that the account was " verified ''. 

XXXX XXXX XXXX XXXX The date the account was opened is incorrect, the loan amount is incorrect, and the payment history is incorrect. Experian has repeatedly violated and ignored my rights. 

15 U.S.C 1681 section 602 A. states that I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

Furthermore, the FCRA requires furnishers to investigate consumer disputes filed with the credit reporting agencies about the information the furnishers provided. 
Section Sec. 623 ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. 

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I have contacted Experian multiple times in regards to these unverified, inaccurate, and erroneous accounts, but they have refused to fix these errors.
Product: Credit reporting or other personal consumer reports

I recently review a copy on my credit report and notice I had fraudulent accounts and hard inquiries on my credit report please remove these accounts and hard inquiries from my report, they are hurting my ability to obtain credit. 
Hard inquiries 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