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: Debt collection

I was never contacted by this company ( IQ Data ) via phone or mail. They had the wrong name and address but left a message with my mother. I returned the call as a willing payer. Both representatives I spoke with were rude, offensive, yelling, and abusive. 
I explained to them that this debt was in regard to a move out balance and because the apartment complex sold the business to another company I could not get my move out balance because they never returned my calls and when I contacted them via email I was told that the company had sold and that I would be contacted. 
When I spoke with the debt collection agency I explained this was not a broken lease or eviction and my arrangement is in writing and still stands. I also told them I never received any letters because they were sending the statements to the addressed the debt belonged to which I obviously no longer lived. I was told by them I had no reason for a dispute and I have to pay the balance in full today or it would be reported to my credit bureau. I tried to give my current address which has also been updated with the USPS, he refused to send me a statement of the charges. He said I did not update my info with the USPS and that was my problem. I was yelled at over and over by agents and as a collections professional myself I am appalled at how they conduct business XXXX ( second agent with IQ Data ) also refused to take my phone number and stated the only thing he would accept from me is a Visa, Mastercard, or Discover. The balance is now {$1700.00} and he refused to give me a breakdown of the charges. I have every intention on paying what I truly owe this company and only reached out to them because I have not received a notice or bill nor did was I made aware of my rights or options.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute for an account with XXXX/XXXX The account was closed, charged off and the debt was forgiven. The creditor stopped collecting on the account. The balance is XXXX. I disputed with Experian and requested the balance to be updated. Instead of doing that, they updated the balance to outstanding and reported a charge off as if it had happened in XX/XX/XXXX. That resulted in them dropping my FICO credit score more than 50 points. I called XXXX and I was told the account was closed, charged off since XX/XX/XXXXand they are have not recently reported. The last time they reported was in XX/XX/XXXX. They did not receive requests from Experian. Experian did not do an investigation as they claimed, they did not contact the creditor. I called Experian to explain and their response was to file another dispute and wait another 30 days. I am trying to purchase a home and this 50 point drop has caused me issues with my new loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

EVER SINCE EXPERIAN & XXXX DATA BREACHES I AM NO LONGER ABLE TO SEE XXXX  IN MONITORING SERVICES..
Product: Credit card or prepaid card

American Express XXXX The basis for my dispute is American Express was required to notify me prior to XX/XX/XXXX, or no later than 30 days after American Express failed to notify me about reporting derogatory info. to XXXX, XXXX, and XXXX In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall  be provided to the customer prior to, or no later than 30 days after XX/XX/XXXX, furnishing the negative derogatory 30, 60,90,120, information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ) .Plus broke commercial law under UCC 9.501 that all notices were timely and properly given bydated certified mail receipt. They were not met. I asked for documentation & received no response. 


Also, American Express " failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of TX allows treble damages.
Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) American Express failed to send me my initial communication before placing this alleged derogatory 30, 60,90,120 status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve American Express is held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under FDCPA. XXXX v. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX. ) citing XXXX v. XXXX XXXX XXXX XXXX ( XXXX-XXXX XXXX XXXX XXXX XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I agree to make payments on a credit card it still continues to show that I did not make payments on a monthly basis. When I have been making them. I will attach prof of some of the payments as agree. I have called them over and over to dispute these transactions and nothing has been done.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. In addition to not acknowledging fraudulently opened accounts. XXXX XXXX Acct # XXXX {$2100.00}, XXXX XXXX XXXX Acct # XXXX {$560.00}, XXXX Acct # XXXX {$290.00}, XXXX  XXXX XXXX Acct # XXXX {$190.00}, XXXX XXXX Acct # XXXX {$5000.00}, XXXX XXXX Acct # XXXX {$620.00}, XXXX XXXX Acct Acct # XXXX {$1400.00}, XXXX XXXX Acct # XXXX {$4000.00}, XXXX XXXX  Acct # XXXX {$1000.00}, XXXX XXXX Acct # XXXX {$1400.00}, XXXX XXXX Assistance Acct # XXXX {$890.00}, XXXX XXXX XXXX XXXX XXXX {$1200.00} Be advised these accounts are reflecting duplicate reporting as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am personally submitting this complaint. Please view the attached documents as it will explain my complaint in detail for each inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TransUnion and XXXX placed a 90 day security Alert on my credit reports without my permission causing me to be denied a mortgage and alternately causing me tremendous financial harm, In XX/XX/XXXX I was about to close on a {$600000.00} Mortgage. The Broker informed me I could not be approved until all the consumer statements were removed. However, on XX/XX/XXXX, I was denied my mortgage as a result of a consumer statement being re-added without my consent, Around XX/XX/XXXX, I contacted XXXX, XXXX and TransUnion to remove any consumer statements XX/XX/XXXX I contacted XXXX and other furnishers to remove any consumer statements XX/XX/XXXX XXXX, XXXX and TransUnion Placed a consumer statement and a 90-day Alert on my credit reports. I never requested a consumer statement or a 90- day alert. A consumer statement must be requested by the consumer, it can not be added by the Furnisher or Credit Bureau without the knowledge and request by the consumer. 

" Personal Statement ( s ) XXXX & XX/XX/XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 90 DAYS BEGINNING XX/XX/XXXX. '' Specifically : " APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. '' *implies it is coming directly from me, it IS NOT! 

**I am requesting the 90-day security Alert and consumer statement be removed immediately. I did Not authorize it and having the statement display has caused me financial harm and it will continue to cause me harm until it is removed. I do not need a consumer statement to protect my Identity because I have purchased XXXX Memeber # XXXX and TransUnion 's credit monitoring products, which they both advertise will protect me from fraud and Identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I XXXX PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXSIST.
Product: Debt collection

The debt collector did not send me a debt validation letter- to include the amount of debt, name of original creditor, and statement regarding the right to dispute the debt, and to obtain the validation of debt. 

The debt collector calls from a number that comes up " Private Number, '' " Unknown, '' " Out of Area, '' or " Restricted, '' on my caller ID. 

The debt collector calls and does not leave messages Private Number XX/XX/XXXX XXXX Private Number XX/XX/XXXX XXXX Private Number XX/XX/XXXX XXXX Private Number XX/XX/XXXX XXXX XXXX  Private Number XX/XX/XXXX XXXX Private Number XX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the repeated attempts I have made to rectify fraudulent items on my credit file. Despite multiple efforts to resolve this issue, the fraudulent information remains on my credit report, and I believe this is in violation of the Fair Credit Reporting Act. 

I would like to provide you with a summary of the situation and the efforts I have taken to address it : I discovered several items on my credit report that I believe are the result of identity theft or fraudulent activity. These items include Upon discovering these fraudulent items, I immediately filed a dispute with your agency, providing all necessary supporting documentation and evidence to substantiate my claim. 

After an initial response from your agency, I requested a reinvestigation of the disputed items, as I believed that they were not adequately addressed during the initial dispute process. 

I have sent multiple follow-up letters, emails, and made several phone calls to your agency, requesting updates on the status of my dispute and the progress of the reinvestigation. Despite my repeated attempts, I have not received any resolution or satisfactory response. 

I understand that the Fair Credit Reporting Act requires credit reporting agencies to conduct a reasonable investigation of consumer disputes within 30 days of receiving the dispute. However, my dispute has not been resolved within this timeframe, which is a clear violation of my rights as a consumer. 


Conduct a thorough and immediate investigation into the disputed items on my credit report as required by law. 

Provide me with a written response detailing the results of your investigation, including any actions taken to rectify the fraudulent items. 

If it is determined that the items are indeed fraudulent, I request that you promptly remove them from my credit report. 

Ensure that your agency complies with all relevant laws and regulations, including the Fair Credit Reporting Act. I am asking for your assistance to remove the fraud items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the creditors below, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bankruptcy dismissed XXXX XXXX XXXX bankruptcy discharged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to XXXX5 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Product: Mortgage

In XX/XX/2023 I logged onto the PHH Mortgage website to see my monthly payment raised from {$2800.00} to {$4400.00}. I was told this was due to an escrow shortage because they claimed a predictive model showed my home evaluation going up. 


The 2023 notice of appraised value document I received from the XXXX XXXX Appraisal district office shows my total market value going from {$610000.00} down to {$580000.00} and also proof of my Homestead Exemption as well. When I provided this document to PHH Mortgage they told me it was not enough to remove the increased amount to my monthly payment and they'd need the actual Tax bill that wouldn't be released until XXXX. 


Around XXXX PHH told me over several phone calls that I'd be placed on a 90 day forbearance where I wouldn't have to make payments and those XXXX payments would be placed on the back of my payment cycle and my account would still be reported in good standing. I was also told they'd have no problem extending the forbearance to XXXX so they could receive the tax bill. I was then told on XXXX that their " investor '' denied my request to have the payments moved to the end of my billing cycle and the amount was due immediately. 


I then found out my credit score dropped XXXX points because PHH was reporting my account as 180 days delinquent. I filed a dispute with XXXX and my credit report then showed my account in good standing but the score was not raised back to where it was originally In XXXX I was trying to work with PHH to resume payment under the reduced amount but they attempted to get me to sign up for a Mortgage assistance plan. They informed me I could no longer make payments via their website and I'd have to call to make XXXX consecutive payments for XXXX, XXXX, and XXXX for the amount of around {$2700.00} and after I was able to make those three payments I'd be able to again make online payments again at the adjusted rate now that they have the tax bill When I attempted to make my third payment on XXXX I was informed my home was now in foreclosure and it would be up for auction on XXXX if I didn't pay them {$24000.00}. 
they claim this had something to do with an issue regarding my Title and they had me fill out a Marriage Status affidavit and said that if I filled this out my home would no longer be up for auction but I'd still owe the {$24000.00} ( I have been single this entire time with no previous marriages ) PHH claims they have sent me notification documents via USPS but I have not received them. The documents are available in my account on their website but how would I know to check there if I wasn't being notified via email or even over the phone?! 


I just didn't want my monthly payment to double and now I might lose my house. Please help me CFPB... you're my only hope!
Product: Checking or savings account

I have been trying to close my Savings Money Market account for almost three weeks. There were pending transactions. I had to call Capital One Bank 4 times, every three days to close my account. 

After two weeks of request to close my account, the account was finally closed and a final check was cut for the balance remaining in the account ( {$50000.00} ). 

I patiently waited for the check to arrive, deposited the check into my personal savings account in another institution, and waited for seven days for the check to clear. 

Today, XX/XX/2018, I received notification that the final check issued by Capital One Bank was denied/rejected by Capital One for no reason. 

I immediately called and spoke to a manager in the customer service department and was not provided a reason or an explanation for Capital One Banks actions. I was not provided with an expected date of resolution. I was not provided with any options for resolution. 

In the meantime, I do not have access to over {$50000.00} of my money, am loosing potential interest my money can be earning, owe {$34.00} for a return check and {$34.00} for insufficient funds in my account. 

All this negative impact has occurred to no fault of my own, but Capital One Bank. 

I still do not have a resolution and would be greatful for any help your organization can provide.
Product: Vehicle loan or lease

This is a compliant against XXXX XXXX XXXX and Santander Consumer Usa Inc. These two companies have violated USC codes against me and I am submitting a counter claim. They have violated servers codes during my consumer credit transaction of an XXXX XXXX XXXX, on XX/XX/XXXX. They have committed identity fraud and the illegally disclosing of any personal data I order to communicate that I allegedly owe them a debt, I demand an investigation of the codes that these two companies have violated which are 1. ) 15 USC 1692 e ( 2 ) a 2. ) 15 USC 1692 f ( 1 ) 3. ) 15 USC 1692 d ( 1 ) ( 2 ) 4. ) 15 USC 1692 b ( 5 ) 5. ) 15 USC 1615 a ( 1 ) I will provide proof with the documents herein starting with the Certificate of Service. I am also ordering to be paid for what is owed for each violation, I also demand to be paid by check to the listed address. 

Best Regards,
Product: Credit card

This notice is to Bank of America For Privacy Breach, Denied Credit, and sharing my information without my consent to Non affiliated XXXX parties, which is a breach of there terms and conditions. I have uploaded documents providing my proof of denial, and also proof my information was shared or sold to Early Warning. 15 usc 6805 Enforcement 15 USC 6802
Product: Debt collection

A debt collection agency by the name of Online Information Services is reporting a debt on my XXXX, XXXX, and XXXX Credit reports. The amount of the debt reports to be for {$700.00}. The report that the account Original Creditor was XXXX XXXX XXXX XXXX and was opened on XX/XX/2020. 

I have filed several disputes with this debt collector as this was an account that I have no knowledge of nor did I authorize it being open. It is the result of some form of ID Theft. however, the company always comeback with the standard response as, " Verified as Accurate ''. However, no further details are provided. No copies of a DL or any type of documents to suppose the opening of the account. 

As a result of this inaccurate and incorrect reporting, my security clearances with my present employer are in direct jeopardy and I could very well loose my job. To that end, I am requesting a thorough review and these reporting 's be removed from my XXXX, XXXX, and XXXX credit reports immediately and sent back to the original creditor for further review and investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple missed payments were reported for my Navient account across all 16 of my student loans while I was in forbearance. Ive asked Navient to provide proof of the forbearance terms and they were unable to furnish that communication. They stated that the forbearance was verbal via phone and the representative I was working with likely entered something into their system incorrectly. I also received no communication before or during the months of XXXX, XXXX and XXXX when these accounts were reported as delinquent.