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 tak 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 XXXX. 
financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was 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 investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX Balance : {$46.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXXBalance : {$1800.00} XXXX XXXXXXXX Balance : {$46.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$1800.00} XXXX XXXX Balance : {$22.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$700.00} XXXX XXXX XXXXBalance : {$1800.00}
Product: Credit reporting or other personal consumer reports

Starting in XXXX, I have made multiple attempts to contact XXXX and Experian Credit Bureaus with no success. When I contact XXXX, if gives you an option to speak to a representative, but I've been unable to get through the automated system because I don't know the answers to the questions that the automated system asks to verify my identity. When I contact Experian, there is no actual option to speak with a representative. 
I recently received my credit report, but I need to ask questions about what the details of the report mean. In order to do this, I need to speak with an actual human because neither the automated systems or online support has the question I have listed in the available options. 
I also wanted to inquire about freezing my social security number ; but again, there is no option to do this.
Product: Credit reporting or other personal consumer reports

" Your agency is in clear violation of federal law! 

15 U.S.C. 1681 Section 602 ( A ) asserts my unequivocal right to privacy. 

15 U.S.C. 1681 Section 604 ( A ) ( 2 ) declares that a consumer reporting agency must not release any account information without my explicit, written consent. 

15 U.S.C. 1681c ( a ) ( 5 ) mandates that a consumer reporting agency must not include any adverse information older than XXXX years, except for criminal convictions. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) prohibits any person from providing a consumer reporting agency with information they know or should know is inaccurate. 

DELETE this immediately! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX - XXXX {$1200.00} XXXX  - XXXX {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union has failed to provide the results of the investigation go my recent disputes.
Product: Debt collection

XXXX XXXX XXXX called my mothers cell phone which is not listed on any of my credit reports and told her they trying to collect a debt. She is not an account holder either. Then they filed a summons in court after they violated my rights. i want this company to cease and exist all contact with me.
Product: Payday loan, title loan, or personal loan

This is not a duplicate complaint. This is a new issue. I thought I was on the way to resolving this and I found out it is still not resolved. 
I finally had to give in and was forced to complete a hardship application which they should have informed me had to be done over two months ago when they sent me an unclear email telling me I was approved for a forbearance. I was expecting a forbearance for the months of XXXX and XXXX when I was struggling after having my salary reduced by 10 % due to the Pandemic. This was promptly reported to them by email. i have proof of it. They told me it was approved so I did not pay for two months. Then I received an email stating that I was in danger of being reported to credit bureaus for not making my payments! I was shocked. I tried to deal with them and reason with them to no avail. In spite of making two payment which should have counted for XXXX and XXXX they are still informing me that I owe {$200.00}. I should owe nothing. Not even late fees if this had been processed correctly. I should owe nothing until XXXX. Where do they get {$200.00}? It doesn't even make sense. I am paying less than {$55.00} per month for a monthly payment. I asked to skip XXXX and XXXX. Period. That is all and i just paid XXXX and XXXX. I am not dropping this. I am not paying off this loan and I warned them that if I find anything negative on my credit report I will stop paying the loan and file for long term hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX  XXXX Balance : {$360.00} XXXX XXXX XXXX Balance : {$2300.00} US DEPT ED XXXX Balance : {$3200.00} US DEPT ED XXXX Balance : {$4400.00} US DEPT ED XXXX XXXX : {$4400.00} US DEPT ED XXXX Balance XXXX {$3200.00} US DEPT ED XXXX Balance : {$1800.00} US DEPT ED XXXX Balance : {$3100.00} US DEPT ED XXXX Balance : {$4300.00} US DEPT ED XXXX Balance : {$3200.00} US DEPT ED XXXX Balance : {$3100.00} US DEPT ED XXXX Balance : {$1700.00}
Product: Checking or savings account

On XX/XX/2024, I filed a chargeback with Wells Fargo disputing a fraudulent purchase from XXXX. The purchase was for one item, split into three transactions : a XXXX  % deposit ( {$920.00} ), a XXXX  % payment ( {$610.00} ), and a final XXXX  % payment ( {$1500.00} ), totaling {$3000.00}. 

I provided Wells Fargo with detailed evidence, including an 8-12 page PDF and a statement from XXXX supporting my claim. However, Wells Fargo only refunded two of the three transactions, as shown in XXXX, due to their mistake of filing two claims for one situation. 

Throughout this four-month ordeal, Wells Fargo repeatedly credited and then reversed the {$1500.00}, citing their error in filing two claims. Despite receiving a letter stating the credit was final and the case was closed, they reversed it again on XX/XX/2024. When I called to explain, the agent hung up on me. 

1. XXXX confirmed the fraud and stated I didnt need to return the item unless the merchant paid for shipping, which didnt happen. 
2. Wells Fargo refunded 2/3 transactions but not the final payment due to their mistake.

3. I received letters confirming all three credits, yet they reversed one.

4. Wells Fargos actions make no sense, as they are effectively penalizing me for their filing error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not have a contract with these companies and they did not provide me with the original contract as requested.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a 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.
Product: Mortgage

I was working through XXXX XXXX ( a mortgage broker ) to get a VA mortgage on my home. I started the process in late XX/XX/2019 and locked into a rate. Under normal circumstances, a mortgage would close within 30 days. In my case, my business owned the home ( I buy, renovate, and sell homes for my business, but in this case, we decided to move into it for our retirement home ) and wanted to sell it to me and my wife for the purchase price - and change the name on the title from my business to myself in the process. At the end of XXXX I told the broker to go with a different bank since the underwriter from Flagstar Bank was ridiculously unreasonable and kept delaying the process by requesting more and more conditions. At that point, the loan was " approved '' but had more conditions. My broker switched to another bank, but they had inaccurate information concerning the VA and even when presented with the correct information from my broker, they didn't want to move forward. So we went back with the original bank ( flagstar ) since the package was approved at the end of XXXX. ( lost a month due to switching lenders ) But since the package was " approved '' it should have sailed through. But the underwriter had more conditions and documentation requests - updated statements, a new credit report ( which affects my credit standing ) plus more. At the end of XXXX, the rate lock had expired despite a courtesy extension having been previously provided. They now wanted to charge me a 1/4 point increase in interest rate over the life of the loan to extend the lock date for 10 days to ( hypothetically ) get us to closing. Because a 30 day close taking longer than 4 months ( 3 months in their hands ) and them wanting a interest rate hike for 10 days, I provided them my terms - take responsibility for the unnecessary delays caused by the underwriter ( who was new ), honor the original interest rate, or there's no deal. When they declined to the conditions, I stopped the process and opted to fund the transaction from my own assets at that point. Several days later after having lost the loan, they agreed to my conditions but at that point it was too late. Reading between the lines, Flagstar Bank was counting on that I NEEDED the loan, not that I WANTED the loan and wanted to put the screws to me. They never accepted responsibility of the excessive conditions that their underwriter put on this loan ( I'm a well qualified borrower ) that caused a 30 day transaction to stretch to more than 3 months. Then they wanted to jack up my interest rate for the life of the loan - not a 1-time fee - to extend the expired rate lock. I put this into the buckets of gross incompetence and predatory practices. Thankfully, I had the financial resources to do this on my own, but my concern is to others who don't and fall into these unethical practices from Flagstar Bank.
Product: Credit reporting or other personal consumer reports

Consumer name : XXXX XXXX Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The fraudulent accounts include XXXX XXXX XXXX XXXX XXXX and. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report, Ive attached a list of hard inquires in question as well as a copay of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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 results of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the results of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

In accordance to 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. 

Account name : XXXX XXXX XXXX  XX/XX/XXXX Account name : XXXX XXXX XXXX XX/XX/XXXX Account name : XXXX XXXX XX/XX/XXXX Account name : XXXX XX/XX/XXXX Account name : XXXX XXXX XXXX  XX/XX/XXXX Account name : XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XXXX/XXXX Account name : XXXX XXXX XX/XX/XXXX Account name : XXXX XX/XX/XXXX Account name : XXXX XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX  XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account name XXXX XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XXXX XX/XX/XXXX Account name : XXXX XXXX XXXX XXXXXX/XX/XXXX Account name XXXX XXXX XX/XX/XXXX Account name : XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XX/XX/XXXX Account name : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XXXX  XX/XX/XXXX Account name : XXXXXXXX XXXX XXXX XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XX/XX/XXXX Account name XXXX XXXX XX/XX/XXXX Account name : XXXX XX/XX/XXXX Account name : XXXX XXXXXX/XX/XXXX Account name : XXXX XXXXXX/XX/XXXX Account name : XXXX XX/XX/XXXX Account name : XXXX XX/XX/XXXX Account name : XXXX XXXX  XX/XX/XXXX Account name : XXXX XX/XX/XXXX Account name : XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XX/XX/XXXX Account name : XXXXXXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXXXX/XX/XXXX Account name : XXXX XXXXXX/XX/XXXX Account name : XXXX XXXXXX/XX/XXXX Account name : XXXX XX/XX/XXXX Account name : XXXX XX/XX/XXXX Account name : XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XXXXXX/XX/XXXX 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.

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 XXXX years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I was affected by Covid -19 and was late 30 days two times on my loan. I was not aware of the forbearance plan at that time. Then I was enrolled until I was back on my feet.
Product: Credit reporting or other personal consumer reports

I contacted XXXX XXXXXXXX XXXX in regards to XXXX separate reports made to Early Warning Services LLC in the 36 months prior to XX/XX/year>, disclosing sensitive Nonpublic Personal Information in regards to my Consumer Checking Account. In my Agreements with XXXX  XXXX XXXX, I was told my information would never be shared with any third party non-affiliate. In their words, they dont share. I asked XXXX XXXX XXXX to provide evidence that Early Warning Services LLC is in fact a direct affiliate or compensate me for damages in alignment with the Willful Noncompliance remedies set forth in FCRA. ( 15 USC 1681n ) XXXX XXXX XXXX has refused to respond in writing to these findings or compensate me for violating my privacy among other damages. XXXX XXXX XXXX also reported my XXXX no less than XXXX times and requested information about me at least once in the same time frame, however I do not, nor have I ever had any kind of an account with XXXX XXXX XXXX. They are subject to regulations and statutes that would prevent them from ever making that report and receiving that information. They would also be required to provide an opportunity to Opt out. And then theres the issue of how did they have access to my XXXX XXXX XXXXXXXX checking account information to be able to report these transactions. And Lastly, there was a checking account opened with XXXX that was reported to Early Warning Services LLC with fraudulent information, including an address I have never seen, a phone number Ive never had, and an email address that Ive never seen and is clearly fraudulent. Not only is the account not mine, but I do not have any Military family members nor am I in the military, so I have reason to believe XXXX opened it on my behalf fraudulently, and reported it to Early Warning Services LLC without my permission. According to the Early Warning Services report I received also shows the XXXX account that was opened has been closed and the information was purged, which is a violation as it is required for all Banks to hold information pertaining to accounts for at least 5 years, and it was opened and closed within 1 year.
Product: Debt collection

Per my contract i will be asserting my rights as the debtor. My rights are the finance charge should have been the sum of all charges pursuant to 15 usc 1605. There was a downpayment in a consumer credit transaction per federal law when a downpayment is taken the car is considered paid in full. The entire credit sale was completed and paid for at the signing of the INSTRUMENT. 16 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.

Pursuant to 16 CFR 433.3 - Exemption of sellers taking or receiving open end consumer credit contracts before XX/XX/1977 from requirements of 433.2 ( a ). You are not exemption from this. I will upload the contract which will be exhibit A the the highlighted sections.
Product: Debt collection

Midland funding llc, purchased a receivable from XXXX that defaulted in XX/XX/2012. I had tried to negotiate with XXXX after my home was damaged in Hurricane Sandy but they would not accept a payout. Midland also shared personal financial information with family in their illegal attempts to collect. I want this off my credit reports, its more than 7 years since default!
Product: Debt collection

I am writing to formally request the removal of an inaccurately reported charged-off account with XXXX XXXX XXXX XXXX XXXX XXXX from my credit report. The account in question is being inaccurately reported in violation of the Internal Revenue Code and Fair Debt Collection Practices Act. According to the Internal Revenue Code, charged-off accounts are considered certificates of indebtedness and should be classified as income. As income can not be reported on a consumer report as a debt, the current reporting of this account constitutes inaccurate and misleading information on my credit report. The specific sections of law that support my claim include : Internal Revenue Code Section 61 ( a ) : This section defines gross income, including income from discharge of indebtedness. A charged-off debt should be reported as income, not as an outstanding debt. Fair Credit Reporting Act ( FCRA ) Section 1681s-2 ( a ) ( 1 ) ( B ) : This section mandates that furnishers of information, such as XXXX XXXX XXXX XXXX XXXX XXXX, must not report information that they know or have reasonable cause to believe is inaccurate. Fair Debt Collection Practices Act ( FDCPA ) Section 1692e : This section prohibits false, deceptive, or misleading representations in connection with the collection of any debt. Additionally, I have not received the Form 1099-C, which is required for me to properly remit my taxes for the discharge of this debt. This oversight further emphasizes the inaccuracies in the reporting of this account. Due to these inaccuracies, I request that this charged-off account be promptly removed from my credit report. This adjustment will ensure the accuracy of my credit report and compliance with the applicable laws.
Product: Mortgage

Several months ago my mortgage was sold t o Freedom  Mortgage based in Texas. Some time around  XXXX  o f 2017 I stopped receiving mortgage statements so I called to inquire. The mailing address on file matched my mailing address and I were assured I 'd start receiving correspondence. Two more calls because still no mail. The third call revealed they were getting the statements returned " undeliverable ''. Two months ago I went online to print off a mortgage statement and the mailing address was in Maryland. Subsequently my identity had been stolen which is another issue altogether that was revealed because the Maryland address was used to try and change my Social Security direct deposit bank and account number. The last call I made to Freedom the girl put a " change order '' in to correct   the mailing address. 15 minutes ago I went to print another mortgage statement and the address is still in Maryland. My fear is that there might be someone inside Freedom stealing identities or they were hacked. I asked on the last call and the girl said she did n't have any information about a hack.
Product: Credit reporting

I submitted a dispute and verification request stating various FCRA laws supporting my dispute. The response I received back from Equifax really had nothing to do with my dispute letter at all.