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

I am filing a complaint against Cash App XXXX 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, the dispute resolution process was unfair and deceptive, as they did not apply with several 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: Payday loan, title loan, or personal loan

They are threatening a lawsuit I have the email and its very threatening which I think is illegal
Product: Mortgage

Bank of America erroneously paid my neighbor 's property taxes out of my escrow account. By two letters dated XX/XX/XXXX ( after repeated requests from me ) bank of america stated that they paid property tax of {$2500.00} on parcel number XXXX on XX/XX/XXXX and paid {$330.00} on parcel number XXXX on XX/XX/XXXX. These parcels do not belong to me and are not listed in my name or at my address.The total of {$2900.00} was misappropriated from my escrow account related to my mortgage. Additionally they raised my mortgage payment to {$950.00} and then to {$1100.00} as of XX/XX/XXXX. Ten phone calls later requesting return of the {$2900.00} and reevaluaton of mortgage payment, I have learned that they " updated '' their information and that my mortgage payment will be {$770.00} per month but not beginning until XXXX XXXX. As of today they have provided no response to my request that the misappropriated funds be paid back to me. I want the {$2900.00} IMMEDIATELY paid back to me by deposit in my checking account and a written apology from Bank of America. 
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Product: Vehicle loan or lease

Each month I pay more on my account and asked that it is applied to the principal amount due. The loan has not gone down and instead I am sent a bill minus the amount I paid. When I speak to a representative from Hyundai Motor finance they are unable to explain why.
Product: Credit reporting, credit repair services, or other personal consumer reports

The issue is with PNC Bank arbitrarily adding a comment to the credit bureau identifying my home as " Affected by Natural Disaster ''. When I called the Bank the employee notified me that this is simply a comment that they add when the area around a home has been affected by a Natural Disaster. This is an unfair practice and affects the value of a persons home. This is something PNC is doing to others and I feel that they are going to affect the home values of many people by doing so.
Product: Credit reporting or other personal consumer reports

I found some information that was incorrect on my credit report that was inaccurate, and I still haven't heard anything back. I have not been supplied proof under the doctrine of Estoppel by Silence, XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, in fact therefore exists. Therefore, all items not proven to be mine needs to be removed.
Product: Credit reporting or other personal consumer reports

I am attaching a dispute i sent multiple times to all three credit bureaus, i have researched USC 1681 aggravated identity theft and have identified multiple accounts, names, addresses, and job history that are in correct and where improperly added to my consumer report without my permission.
Product: Credit reporting or other personal consumer reports

Dear Sir or Lady : I examined my personal consumer report that I purchased from your company, and I'm writing to you to let you know that my social security number have been compromised. I've experienced identity theft. I filed a complaint with the Federal Trade Commission, and it is attached. # XXXX Send me an updated copy of my credit report and please block and remove all information from it. The following INQURIES were obtained through fraud that I did not authorize and are not mine : Delete unauthorized inquiries 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

I recently signed up for XXXX in XXXX of XXXX. When I logged in I noticed inaccurate information on my credit report that I did not authorize or do for the items to be in my credit report
Product: Credit reporting or other personal consumer reports

I am writing to you to notify you of your legal obligation to adhere to the Fair Credit Reporting Act ( FCRA ), Metro 2 compliance standards, and other federal and state consumer rights. I challenge all inaccuracies or deficiencies of reporting. Please review your data on file for me and make any necessary corrections.As you may know The Fair Credit Reporting Act ( FCRA ) is a federal law that promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). CRAs are companies that collect and maintain consumer information, which is then used to produce consumer reports. These reports may be used by creditors, insurers, employers, and others to make decisions about granting credit, loans, insurance, or employment. Under the FCRA, CRAs must take reasonable steps to ensure the maximum possible accuracy of the information they report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been denied for products and or services based on information received from NexisLexis. However, when I have requested the report based on the information received from NexisLexis, I have been informed that they have no record of me in their database. This has been going on for several years now.
Product: Debt collection

XXXX XXXX has sent this to collection agency to collect without showing validation of the debt. there was no authorization given by me to release my personal information which has been reported to all my bureaus. this account needs to be deleted from my credit reports.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Mortgage

XXXX   XXXX  has been working with  XXXX   XXXX  since  XXXX / XXXX /  XXXX  . It appeared that Key Bank applied payments to the first mortgage in error.  XXXX  sent a letter on  XXXX / XXXX /  XXXX   which is attached requesting information on the account to try and resolve the delinquency.  XXXX   XXXX  has the income to make a mortgage payment. It appears that Key Bank called the full amount due on his mortgage of appx  XXXX .    XXXX  sent a complete Modification request and all documents on  XXXX ,  XXXX  and follow up documents requested on  XXXX .   Since that time frame  XXXX  has heard nothing. Attempts at communication have not been responded to by Key Bank. On  XXXX   XXXX   XXXX  called me during a very disturbing phone call from  XXXX   XXXX  from Key Bank. I personally heard him berate  XXXX   XXXX  and call her uncooperative, unconcerned and " she must not really care about keeping her house ''.   I was very disturbed by  XXXX   XXXX   XXXX   XXXX  's treatment of Key Bank so I asked them to come into the office so we could call  Key  Bank together. I spoke with  XXXX  #  XXXX  and she stated she could not provide me any information because it had been referred to foreclosure and only  XXXX  could talk to me. I then called  XXXX  at  XXXX  and spoke with  XXXX   XXXX  who was very helpful. I let her know about my disturbing phone call and that I had sent multiple packages to Key Bank and let her know that I had never received a phone call from Key Bank or a denial.  XXXX  told me that Key Bank is pursuing a judicial foreclosure which I was shocked about because Key Bank has NEVER tried to help the  XXXX  with a modification.  XXXX  requested that I send her the documents that I had previously sent and she would look into it.   I then called Key Bank at  XXXX  and spoke with  XXXX   XXXX   XXXX  and he let me know that Key Bank had NEVER reviewed  XXXX   XXXX  and that the  XXXX  's had NEVER been denied. He stated on  XXXX  Key Bank had requested additional documents  ( which we provided ) but then Key  Bank closed out the file with no further communication and no denial. I let  XXXX  know that under CFPB that you must deny someone and allow them an appeal process.    Key  Bank is going through a foreclosure process and yet I have documentation that Key Bank has never reviewed  XXXX   XXXX , never denied  XXXX   XXXX , never contacted their housing counselor. Since the  XXXX  's were never denied a modification, they have had no way to appeal, or speak with Key Bank on how they can save their home.
Product: Mortgage

foreclosure sale date XXXX. I called wells fargo about my options to live in the home, they told me to apply for Loan Mode and re entry dept :. will decide to approve my case. I filled complete package but still wells fargo re entry dept :. told me that some of the papers they have not received. So I re fax again the same papers. wells fargo told me that during interview and re entry review process they will keep going forward with the Fore closure process and re entry dep :. will decide whether the will approve me or not and i will have no right to appeal. I also hired for help some consultant on XXXX XXXX th, XXXX and than on XXXX XXXX, XXXX Me & my family living in this house for 17 years and we all want to keep the property but we are not getting reasonable monthly mortgage. end.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I sent a XXXX XXXX XXXX to Initiate Electronic Funds Transactions to Explore Credit and can confirm that they received the document ( attached to this complaint ). On XX/XX/XXXX, Explore Credit tried to debit two eChecks in the amount of {$50.00}. I never authorized this transaction or rescinded the XXXX XXXX XXXX to XXXX XXXX Funds Transactions. 
I submitted a similar complaint in XXXX of XXXX ( Complaint Number XXXX ). Explore Credit had debited my account six times in the amount of {$300.00}. Attached to that complaint are six eCheck images. Explore Credit acknowledged on XX/XX/XXXX, that they would stop processing transactions immediately.
Product: Debt collection

ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX Lockhart Morris & Mo Opened XX/XX/XXXX - Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused  by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious Lockhart Morris & Mo Opened XX/XX/XXXX - I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX  District of California  Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX S SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 the allege debt XXXX XXXX XXXX. is reporting as owed is inaccurate and has been discharge pursuant 11 U.S. code 727. XXXX XXXX XXXX is reporting false information to EXPERIAN. I have made several attempts to settle this matter and XXXX XXXX XXXX. continues to cause injury and damages to my personal credit, defame reputation, and slander my character. XXXX XXXX, XXXX is in violation of Fair Credit Reporting Act, Fair Debt Collection Practice Act, and NEW YORK STATE Debt Collection Laws..
Product: Credit card

Credit card bill due XX/XX/XXXX XXXX Paid in full XX/XX/XXXX XXXX For this I was appropriately charged fee {$30.00} and XXXX in interest. 

Next month, credit card bill due XX/XX/XXXX XXXX Refunded purchase credited to account XX/XX/XXXX Paid remainder by due date XX/XX/XXXX For this was charged late fee {$41.00} and interest {$48.00} I asked what the issue was here and they said that because the payment was 2 days late in XXXX, they are able to also charge full interest for month of XXXX even though this bill was paid in full. This feels very confusing particularly since I paid the bill in full, and the prior payment was made in full only XXXX late. I understand paying the XXXX interest but fully do not understand the XXXX interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$25000.00} ; XXXX & XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX Medical XXXX Balance : {$35.00} ; Medical XXXX Balance : {$33.00} ; Medical XXXX Balance : {$35.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX an Account from XXXX XXXX was verified as Fraudulent and removed from my credit report. 

On XX/XX/XXXX this account was placed back on my credit report even though it is fraudulent- the company in question, experian, also did not notify me within 5 days of reinserting it onto my credit report which is a violation of FCRA SECTION 611 ( A ) ( 5 ) ( B ) ( ii ), Cited here : ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I sent a First Class mail delivered envelope to the company on XX/XX/XXXX - regarding this violation and still, this fraudulent account remains on my credit report. 

There has been no notification from the company regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the public record on my credit reports for over a year. All 3 credit bureau send results as : bankruptcy verified through a 3rd party, XXXX XXXX in which my XXXX XXXX report contains nothing in the public records section. I have sent in the required verification Equifax, XXXX XXXX and XXXX has requested to remove the item they have repeatedly refused even thou I provided what they asked for. Ive asked for their methods of verification also, but they never provide it.y rights are being violated according to the FCRA. Several laws are being broken within the 3 credit bureaus. As a consumer, I ask that u investigate thoroughly as publishing incorrect information on ones credit report is a direct violation.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX XXXX has shut down. My contract states that I am paying for Goods and Services- I am no longer receiving the lifetime services I was promised. My contract explicitly states " On this date of XXXX for valuable consideration received, the undersigned Buyer and/or Co-Buyer ( hereinafter collectively referred to as Buyer ), jointly and severally unconditionally promise ( XXXX ) to pay for services provided by XXXX ( Provider ) on behalf of its affiliates the sum of XXXX XXXX  plus a finance charge at an annual rate of XXXX %. Payments are made to Healthcare Finance Direct, LLC ( HFD ) as payment processor for Provider. 

Relationship of Parties. Buyer acknowledges and agrees that HFD is not a lender but rather the payment processing service provider of Provider. '' HFD is simply listed as the a payment processer. The lender, XXXX XXXX XXXX, no longer exists. I haven't asked for a refund, I have simply asked that they put my payments on hold and void my account as the contract is now void. I am no longer receiving my lifetime guarantee, check-ins, touch ups, or doctor visits. But HFD keeps threatening sending my account to collections. 

They told me that they are the new creditor but no where in my contract does it state that, and in my contract it states that any changes made must be agreed upon by the borrower AND the lender. I received no contact about any changes, so i feel they are falsely claiming to be the new creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent account appears on my credit that I do not recognize. The account is : US BANKRUPTCY COURT XXXX
Product: Student loan

On XX/XX/XXXX, I submitted an application into XXXX XXXX to enroll in the IBR program. A few days later, I was notified that I needed to submit my paystubs as income documentation. I did receive a response. 
One XX/XX/XXXX, I resubmitted a brand new application into XXXX for the IBR program via fax along with my pay stubs. One month later, on XX/XX/XXXX, I received an email from XXXX XXXX   that they've " received your request for an Income-Driven Repayment ( IDR ) plan. Unfortunately, we are unable to process your application at this time because your request was not complete. You didn't provide complete income documentation. '' A few months later, due to very arduous life circumstances, I was not able to give my full attention to my XXXX account and was not discerning of XXXXXXXX XXXX   recommendations. I simply assumed they had my best interest. I called XXXX  XXXX  and they persuaded me to apply for the forbearance program. Naively, I complied and was approved. When my forbearance ended, I accrued a number of late payments and was never informed by XXXX that I could receive forbearance again. I was approved for a second forbearance and then unknowingly accrued a few more months of late payments. 
None of this would have occurred had I been on the IBR/IDR plan to begin with, but XXXX was negligent in processing my application. Today, XX/XX/XXXX, I called to inquiry about my application. They said that they got my pay stubs but never my application. The email XXXX sent me on XX/XX/XXXX stated that they received my application but could not process it because they didn't receive my pay stubs which is completely contrary to what they have on record today. They claimed they MAILED me a denial letter and even another application which I never received. Nevertheless, they lost my application twice. The years I was steered into forbearance, accrued more debt due to interest capitalization, and late payments, I should have been on the IDR program. XXXX  XXXX   apparently lost my application TWICE and then was able to take advantage of me at the most vulnerable time of my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, and XXXX XXXX have 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.
Product: Mortgage

Received a letter on XXXX XXXX, 2016 from PNC Mortgage date XXXX XXXX, 2016 accusing me of not having insurance for my property and threatening to buy it for me. " Because unit owners insurance is required on your property, we plan to buy insurance for your property. '' First, they never asked me to provide proof of coverage. Second, they have their own insurance company which I believe is a conflict of interest. This company is not consumer friendly and should not be allowed to provide mortgage services.