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

I am filing a complaint against Cash App ( BlockXXXX. ) ( XXXX ) XXXX XXXX XXXX ) 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 0:3 was untair and Veceptive, as they dild not " comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Inaccurate Negative Remarks : The negative remarks associated with this debt are inaccurate. XXXX XXXX XXXX has failed to provide any documented proof to substantiate these negative details. Additionally, there has been no legal correspondence or opportunity for me to defend myself against these negative entries on my credit report. This lack of evidence and due process is a direct violation of my rights under the FCRA. 
Incorrect Reporting of Daily Transactions : The daily transactions being reported are inaccurate and misleading. I do not have any contractual agreement with XXXX XXXX XXXX that authorizes the reporting of these transactions, nor any agreement that specifies the terms of such reporting. The reporting of late payments is particularly egregious, as I have no contract that stipulates these terms, making any late payment entries invalid. 
This debt was federally XXXX in 2022, as per the official discharge order issued by XXXX XXXX XXXX XXXX Despite the discharge, Experian, XXXX and XXXX continues to report this debt, which is in clear violation of the FCRA. This not only misrepresents my financial status but also causes undue harm to my creditworthiness.
Product: Credit card or prepaid card

On XX/XX/XXXX, I purchased a new camera, figured new XXXX gift for myself a bit early. It was set to arrive on XX/XX/XXXX, tracking says package is delivered - I get home and nothing is there. I chat into the support team and they tell me to wait XXXX hours and chat back if nothing is there still. So In figure yeah, maybe it was just marked delivered on accident so I continue to wait the XXXX hours. On the XXXX, since the support team told me to wait XXXX hours as the package may arrive then, I decided to also purchase the gimbal kit I was looking at so they would arrive the same day. 

XX/XX/XXXX comes along, gimbal package is marked as delivered - I get home and nothing is there. At this point I assume they were snatched from my porch ( I live alone, no one else was there at the time to bring them inside. ) I chat into the support team again and they say they started the process for refunding both items and I just need to wait for confirmation emails at this point. So I wait for the confirmation emails and they eventually come in - now its a waiting game for the refunds to apply so I can just go into the store and buy them there instead of worrying about a porch pirate again. 

Then today on XX/XX/XXXX, I get XXXX emails ( XXXX for each of the packages ) saying that the investigation was complete and they're unable to provide any refund or replacement. So what am I supposed to do at this point as I've spent the money and didn't get the items, as they were stolen? The tracking on the packages even shows that a signature wasn't required. Absolutely insane for such an expensive item.
Product: Consumer Loan

I made an arrangement with gold acceptance to pay them on XXXX XXXX. They claim I never made an attempt I 've been paying on this car for almost two years ( by the wayway ). My family was at the park and they repoed my car two days before I told them I would pay them. Now they keep throwing different numbers at me to pay them back. First they say XXXX then they say XXXX then they said XXXX they keep calling me as if they are trying to help. I tell them how do I know that they will give me the car back they say everything is recorded. Well if that 's the case why was n't my arrangement recorded. This company is a scam. Not only did they take my car unlawfully but they called the police as well.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
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
Product: Mortgage

We have a mortgage with Penny Mac mortgage and it had PMI. We started the process ( XX/XX/2017 ) to remove the PMI and they had to order an appraisal. When that process starts they tell you they can charge 400-1000 for an appraisal. Appraisal price very from conve., fha or VA, square footage, rural or anything extra they have to do. That's why they have to give you a price range. They charge me {$820.00} for a simple conventional loan in the city. Nothing extra which they should of only charge XXXX max. If you call anywhere or ask anyone that's the price range for a conventional loan, normal sqft in the city. I don't leave in the country or rural area. They are charging twice as much for reg conventional appraisal. If they don't let you get your own appraisal they should contract someone that is in your area so they don't charge {$400.00} extra that what I'm assuming happened but not sure why they are reaping me off. I try to ask question of how much is the appraisal charging me but since the mortgage co. Contract them they can't answer any questions. Penny Mac should have the consumers best interest to have appraisal companies that do not reap borrowers off and that are in the area. As a consumer they should have the best interest for us the consumer and not to fill there pockets. I have tried to work it out several times but they will not cooperate. Thanks
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates XX/XX/year>. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

i reachout numerous times to XXXX transunion XXXX about fraudulent accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THE FCRA SEEKS ACCURACY AND FAIRNESS OF CREDIT REPORTING 15 USC 1681 { A } 15 USC 1681 I [ A ] 1 ] [ a ] the cra tha negligently fails to comply with the fcra i would like these items removed due
Product: Checking or savings account

It is my understanding that a bank CAN NOT charge an overdraft fee for a monthly banking fee. On XX/XX/XXXX my CITIbank account had XXXX XXXX  in it.. a monthly service fee was charged to me on XX/XX/XXXX putting me XXXX dollars to which the bank then overdrafted me XXXX $ on XX/XX/XXXX ... so i was charged XXXX dollars for not having the money in my account for a monthly service fee..
Product: Credit reporting or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

Coinbase Account # XXXX Coinbase is a cryptocurrency platform that allows the trading of different digital currency. I have been a user of the platform for several years. Never had to deal with their customer service until XXXX when I saw that the number for two step verification was not accurate. Tried to change it manually and got locked out of my account. When I tried to sort the issue out with customer service the only response I ever got was your account will be reviewed by a specialist and we will get back to you in 5 days or less. It has been almost 30. Just the same automated messages, or no response at all. Ive sent over 20 messages to them so far asking for basic competency and just nothing. 

One of thee worst experiences Ive had with a company and Im not alone after doing thorough research. I wait, no response. I create multiple help threads, nothing. I have thousands of dollars in that account. Ive done everything on my end including provided pictures of me my ID and proper verification to have my credentials reset. Just a complete lack of competency or care. To the point where I have gotten out of character because Im basically talking to myself. Its wild. I hope whoever reads this never experiences what I and so many others have experienced. Soulless. Im trying every route to find advocacy and justice. Its heartless and disrespectful. They need to be sued. Expeditiously. The CEO needs to be fired. Something cause XXXX.
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. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX communication # XXXX Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX  # XXXX XXXX Account name : XXXX # XXXX XXXX  # XXXX Account name : XXXX  # XXXX Account name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account name : XXXX XXXX  # 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 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: Credit reporting or other personal consumer reports

All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.
Product: Vehicle loan or lease

Several times I asked agents at Prestige Financial Service not to contact me by phone concerning my car loan, yet they persistently called me four to five times daily during the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/2018. I was even called by an agent named XXXX on XX/XX/XXXX repeatedly although I texted her to tell her I was at my Mother-in-Laws funeral. I made payments om this vehicle for three and a half years, yet they are saying that the payments went to principle and that the amount owed is nearly as high as the purchase price. Also I was told by an supervisor named XXXX XXXX, that they were in violation for calling after I repeatedly as them not to call me anymore, yet XXXX XXXX, XXXX XXXX, and Ms. XXXX continued to call, especially during my work hours, which landed me in a lot of trouble by my phone continually ringing. 
Now that I have agreed to surrender the car ( which they have ) they are still reporting it to all three credit bureaus that I'm missing payments. 
I'm asking that you please help me in getting this straight and getting Prestige Financial Service out of my life for good. 
Thank You.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Social Security Number : XXXX Date of XXXX Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax, Experian and TransUnion credit reporting agencies, 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened on XX/XX/year> At : ACCOUNT : XXXX XXXX, with account number XXXX These accounts have resulted in a fraudulent ACCOUNT appearing on my consumer XXXX credit report. I've attached a list of the information in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned account as reported. The aforementioned account appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned account is the result of identity theft and fraud and the Equifax Databreach. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block the account identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to contest inquiries on my credit report that I believe are not legitimate. After reviewing my credit report, I noticed several inquiries that I did not authorize or recognize. It seems that someone may have used my personal information without my consent to initiate these inquiries. I kindly request that you investigate these unauthorized inquiries and promptly remove them from my credit report. I have included a copy of my credit report highlighting the inquiries in question for your review. 

The following inquiries are incorrect : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account XXXX : XXXX Account Name : XXXX XXXX  Account Number XXXX XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account XXXX : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX  XXXX Date Opened:XXXX  Balance : {$81.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The Creditor Reported I Was 30 day late for XX/XX/2022. The mistake happened because I called in late XXXX expressing to have my payment due date changed to XX/XX/2022 and The Call representative read me my disclosures and stated Your payments will now be on the XXXX of month starting now and you dont have a payment due until XX/XX/XXXX. I replied back and said thank you and I thought he disconnected the call but XXXX now founding out the call was dropped. My due date remained XX/XX/XXXX although its note and on record that I will like for my due to be XX/XX/XXXX and the Rep confirmed it. With a XX/XX/XXXX due date I would not 30 days with my account. I request that the 30 day late payment be removed from my account immediately because they have honor the XXXX of each month as my due date. XXXX can verify that every word in this statement is true my account is also paid in full and I have not missed a payment yet.
Product: Debt collection

My family was called on their phones about my debt, after they had already spoken to me about it and had verified my phone number and location. Additionally they have called me numerous times, despite having already spoken to me.
Product: Debt collection

Grant & Webber has not corrected their report to the major credit reporting agencies that their claim to me for medical costs has be settled circa 30 days ago. This is the only ding on my credit and is a false report until corrected by Grant & Webber. The false statement is that I owe anything at all, since this was settled by my lawyer and hence Grant & Webber is attempting to claim or says they are owed monies they are not owed.
Product: Debt collection

I once had a XXXX XXXX Credit card Which I used very little. Suddenly in XX/XX/2018 the card increased to over {$70000.00} and I had not done it. It was interesting that the card limit was {$15000.00} but was well over that. I contacted the company which had been bought out by XXXX and they could or would not give me any explanation. The statement showed multiple payments on the card but then within about 5 days reversed the payment. I did not make the purchases and even IF I had what happened to the credit limit of {$15000.00}. 
WE have tried talking to the new owners of the account ( Midland Credit Management ) and again nothing we say seems to register with them. We sent them a letter disputing the whole thing and just now we received a notice that they are " uncertain of what we are specifically disputing ''. I thought our letter was very clear as to what! For one thing I didn't make the purchase, the second ; the banks that the payments were made from I do not know and have not had accounts there. The only way I can see it getting to the {$86000.00} they are claiming is if there has been fraud on their part.
Product: Mortgage

Bank of America sold my mortgage loan to a 3rd party company. The problem is that is being sold to XXXX XXXX XXXX, XXXX. After doing research on this company, I have discovered this company has a LOT of bad reviews. Does the consumer has a right to pick where their mortgage is being sold to? Or can the consumer have a say in what company their mortgage is being sold to. What if the company it is being sold to is known for problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine RESIDENT VERIFY Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type Apartment complex XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Resident type XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Resident type Single family XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXXXXXX TEXAS, TX XXXX Resident type XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Resident XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA violations : payments never late XXXX XXXX BANK XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid , Closed. 

FCRA violations : accounts not mine XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$840.00} Status Collection account. {$840.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$730.00} Status Account charged off. {$730.00} written off. {$730.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1300.00} Status Account charged off. {$1300.00} written off. {$1300.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$10000.00} written
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately!
Product: Credit reporting

Experian disregards rights of consumers and allows creditors to report bogus debts. I informed Experian that XXXX XXXX XXXX XXXX is reporting debts after refusing to properly validate them. All Experian does is reach out to the offending company and takes their word that the debts are valid when they are not. They do not conduct an impartial investigation, or any investigation for that matter.