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

I am filing a complaint against Cadh App ( Block INC ) due to inadequate customer service and unfair practices which violates the consumer financial protection act ( cfpa ) specially 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 the error resolution requirements under 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, credit repair services, or other personal consumer reports

My credit report shows that XXXX XXXX XXXX is reporting that I missed auto loan payments from XXXX - XX/XX/2020. This is false. I have receipts and statements to prove I never missed these payments. Through XXXX secured messaging, a representative stated an ACH payment was only rejected on XX/XX/2020. However, I was unaware, nor did I authorize this. This false report has completely destroyed my credit score and it needs to be removed. I have already contacted XXXX and made disputes through XXXX, XXXX, and Experian, but I have not gotten any results from the disputes. Please assist so I can eventually obtain a credit score that allows me to properly finance a vehicle. Thank you.
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data breachOF EQUIFAX. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. I am also attaching proof that I was a victim of the Equifax data breach, and I kindly request that this information be considered as part of my claim. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX Please find enclosed the following documents to support my claim :. I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I do did not authorize/ recognize the following hard inquiries listed on my account : XXXX. XXXX XXXX XXXX  Date : XXXX Business type : Bank XXXX XXXX XXXX : 12 Reads Way, New XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX Date : XXXX Business type : Bank Credit Cards Address : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX Phone : ( XXXX ) XXXX XXXX. XXXX XXXX  XXXX Date : XXXX Business Type : All Banks - non specific Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX
Product: Debt collection

Collection Agency : Caliber Home Loan , Inc. After doing my research back in XX/XX/XXXX when the modification of my loan was approved, I had a 2nd mortgage with XXXX and it was settled with original lender of the 1st mortgage, right before XXXX filed for bankruptcy. I received a XXXX back in XX/XX/XXXX which I filed with my XX/XX/XXXX tax returned and I was under the impression that a Satisfaction of Mortgage will follow sometime at a later date. Being in the military, I was kept very busy XXXX four times without the time to follow up on this matter until now. I need your help in providing me with information on how to clear this up and settle this once in for all. I tried contact the collections agency several times and sent them an e-mail ( Caliber Home Loan, Inc. ). They have provided very little information and I am very frustrated on what I should do at this point to obtain a Satisfaction on Mortgage? Thank you in advance and I will appreciate your help in this matter. Lender : Caliber Home Loan, Inc. Borrower : XXXX XXXX Loan No. : XXXX XXXX
Product: Mortgage

I just read your article and not sure if you can help me. My home is in foreclosure ( Mortgage company is Ocwen, XXXX ). The sheriff sale is set for XX/XX/XXXX, I have a buyer and set to close on XX/XX/XXXX, but not sure if thats going to happen. Ocwen - XXXX has the contract on the house. Here is the kicker in XX/XX/XXXX I applied for a modification in XX/XX/XXXX I was told I got the modification and they would send out a package for me to sign and notarized which I did and sent it back express mail. I then received another package telling me the 1st one was wrong and they were sending me a new package to sign and send back which I did. Received a third package to sign and notarized, because they screwed up again which i did. About a month later we're talking XXXX I received a phone call stating my modification was turned down because i was late in getting the paperwork back which i told them no way. So about 3 weeks after that l get a phone telling me the modification was accepted which it was and XXXX was knocked off my loan which I wouldnt have to pay back which appeared in XX/XX/XXXX. Fast forward to XX/XX/XXXX still trying to get my life ontrack I was told to apply for another modification which I did probably XX/XX/XXXX. XX/XX/XXXX I was rejected telling me it hasnt been 2 years and I cant reapply. So I put my house up for sale its in contract and now the title company tells me theres a XXXX mortgage from XX/XX/XXXX and i said it must be my modification, but that was XX/XX/XXXX and I was told no XX/XX/XXXX. I call XXXX and told them which the girl XXXX said OMG Ocwen XXXX up another account she had me on the phone investigating and finally got back with me and said its going to take longer and she will get back with me which i never heard from her. My thing is why did hud put a lien on my house in XX/XX/XXXX, but it didn't show up in my account until XX/XX/XXXX So now I might be homeless because of ocwen saying it was 2 years before i got the last modification which i find out is wrong now. So just what the XXXX is going on XXXX keeps telling me they don't want me to leave. 


XX/XX/XXXX - The day I filed a complaint with the Attorney General office in Ohio and talk to the Consumer Finance Protection Dept I did call Ocwen-XXXX   and the first thing they told me I had a loan with them and with HUD and did I need Huds number which I didn't. I found this very odd thats the first time they ever told me about my Hud loan. Really odd since the week before I was told by XXXX at XXXX " OMG Ocwen XXXX up another they've done that to other loans ''. XXXX did tell me she would get back with me and that never happened. All I want is to push the sherriff sale back a month so I can close on the loan and everyone gets there money including hud. The man I talked to at Ocwen- XXXX   told me he doesn't see why Ocwen-XXXX wouldn't, but still they haven't changed the date. 

Thank you XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Ohio. XXXX Phone XXXX
Product: Consumer Loan

I purchase a XXXX XXXX XXXX on XXXX/XXXX/XXXX in at the time they charged me a high interest rate of 9.64 %. I was a college student and I paid faithfully until I was injury on my job as a teacher assistant, then they came and taken the car from me in the year of XXXX, after I informed American Honda Finance Corporation my status, that I was on workman comp and I paid faithfully and they the American Honda Finance Corporation just up and taken my vehicle, which caused me hardship. The company did not even try to work with me, and I was paying what I could, the American Honda Finance Corporation repossessed my vehicle. I feel like they did me wrong, after I had purchased XXXX XXXX most of my life.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its leg obligation under the XXXX XXXX XXXX XXXX ( FCRA ) to conduct a reasonab reinvestigation of disputed inforn credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. These are the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raised serious concerns about consumer safety
Product: Credit reporting or other personal consumer reports

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over XXXX  days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within XXXX days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON THE ATTACHEMENTS ARE MY TRANSUNION CREDIT REPORT IM DISPUTING IN METRO 2 COMPLIANCE. SHOWING ALL MISS INFORMATION INACCURATE REPORTING.
Product: Debt collection

I was never given any information regarding the debt being collected. I never received a letter regarding the debt verification. I have plenty of information on the falsification of the amount of debt that is owed.The rental company also submitted the debt almost 2 years after I had vacated the home. When I attempted to get information about the debt and what I was getting charged for, to sent me a " Make Ready Expenses '' report, with no receipts and no explanation. They just kept telling me I had to pay the debt with in 24 hours or they would prosecute. 

I was charged on their " Make Ready Expenses '' report for {$1400.00} for AC expenses over the period of almost a month. I was charged over {$1500.00} for landscaping cost, which was part of the dump pile they left when we first moved in ( it 's on Move In damage list report. 
All of these fees including the landscaping, and AC totaled {$5500.00}, with no explanation with most of these repairs being something we struggled with the whole time living there. 

They charged me many fees on trash and dump, which they allowed someone to come into OUR home while we were in the process of moving out and had stuff stolen, aquarium broken, and boxes that were gone through. 

Through out the time of living there, we had to deal with mice, them coming out constantly to fix the AC, as well as fighting XXXX when we first moved into the home. Which I requested an extermination to be done prior to move-in that was never done because of the countless bugs we saw during walk through. The only reason why they called an exterminator was because my roommate received a letter from the doctor stating the home was hazardous to her health. 

Moving into the home there were countless holes and damages as well as the yard being poorly maintained, and constantly high water bills because of the leaks.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is one account on my account and XXXX inquiries on my experian account I have not approved used or signed for these I dont know what these are I need them removed asap!!! 

ACCOUNT XXXX XXXX - Acct # XXXX XXXX {$450.00} Opened XX/XX/XXXX Inquiries Creditor Name : XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : US SM BUS ADMIN XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX  XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Product: Credit reporting or other personal consumer reports

The following accounts were used without my permission. It affects my credit file and finances. I am a victim of Identity Theft. I demand to remove the following accounts from my credit report!. 
XXXX. XXXX XXXX XXXX XXXX  Credit Card XXXX. XXXX XXXX Installment XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Collection XXXX. XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Collection XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX MI ) Collection XXXX. XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Collection XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Collection XXXX. XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) Collection XXXX. XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Collection XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Credit Card XXXX. XXXXXXXX XXXX XXXX XXXX Charge account INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Prepaid card

This company investigated themselves, and as one would expect they didnt find themselves doing any wrongdoing. Company has history of mishandling situations with their cardholders. Ive come to find out Im not the only person dealing with this similar problem with the same company. XXXX  of people are having the same problem and being treated unfairly. Im hoping Im the lucky one to receive justice. After finding that the investigation wasnt in my favor, I was confused. I thought it would be easy to realize that {$400.00} was never given to me from the ATM, but still taken out of my account. I attached receipts. I contacted wisely again on XX/XX/year> about the situation. After telling them about the situation and who I was. I was being put on hold a few times which led to line disconnecting, then employees pretending they couldnt hear me, then the same employees acting as if we werent just on the phone. Once I finally got through again, the alleged supervisor ( that seems as another regular employee ) gave me lackluster responses with no information on how they came to result with the investigation. They said theyll send me a letter with more details on how they came to the conclusion, within XXXX weeks. I told him to specify what would be in the letter about the investigation, but he told me wait because he couldnt. I knew by now ( from experience with them ) they were just trying to make me wait for another XXXX weeks for a letter that included dull and no added information. They mail letters to avoid authentic responses. I received the letter and there was of course no information about how the investigation wasnt in my favor. Supervisor then told me to contact the investigating team because he cant do anything but relay the message that they didnt find any wrong doing. The other option advised by the supervisor was to go to the building which the ATM was in and look at the cameras. 
Im coming to realization that i was unfortunately dealing with an unprofessional card service thatll take advantage of any opportunity they can capitalize on.

Receipts were shown and Im still being told to request more information to do further investigation. They want to prolong me more of this situation to come to the same conclusion. They use constant loopholes. This situation caused me a lot of headaches and time. I just want my money that I rightfully deserved. I used this card for years and would have never thought I would be treated poorly by a mistake not on my end. I was just hoping for a different outcome or approach because I have been a honest and loyal client to this company. Unfortunately, this company is still committing distasteful acts. They need to be investigated by others, not by themselves.
Product: Credit reporting or other personal consumer reports

Transunion is reporting incorrectly a late payment on XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my Zales credit card off in full on XXXX. Since paying this off I've called at least 4 times and sent several messages through my account portal trying to get the balance removed from my credit report. They had no problem reporting my balance and payments when I owed them but once its paid I can not get the balance removed. 
I have disputed this with XXXX they also have been waiting on a response since XX/XX/2022. This is effecting my credit score as well as giving the impression I've owed this since XXXX the date of their last update.
Product: Credit reporting or other personal consumer reports

I have submitted endorsed promissory note to indentured trustee for Td Auto Finance, which is XXXX XXXX XXXX ( XXXX XXXX ) for the proper cancellation of debt. According to the Securities Exchanged Act, Bankruptcy Banking Act and Indentured Trustee Act, there are liable and responsible for the fraud that is happening. I have specifically requested the True Bill of Sale and proper tax filings for the charged off account held with Td Auto Finance. They provided a copy of installment contract and it does not match the payment amounts that I was charged. If the contract states my monthly payment was XXXX, why are you saying my payment was XXXX? 

Doesn't matter if its a XXXX dollar difference, the contract was changed after I left the dealership. and that is FRAUD. I did not sign any contract for a monthly payment amount of {$680.00}, that is not what the contract specifies. THIS IS ACTUALLY A BILLING ERROR AND MUST BE ADDRESS. WHY WERE YOU CHARGING ME A DIFFERENT MONTHLY PAYMENT AMOUNT THEN WHAT WAS AGREED IN THE CONTRACT. REFER TO THE PAYMENT HISTORY AND INSTALLMENT CONTRACT YOU SENT ME. 

If the account is charged off you should have filed a form with the IRS and as the debtor I should have received it, so why are you continuing to report a late payment for an account that has a XXXX monthly payment? 

The Right of Rescission does apply here due to legal cause because you changed the contract terms first without my permission. 

THE PAYMENT HISTORY LIST FUNDING ON XXXX, MAY YOU PLEASE EXPLAIN TO ME WHERE THIS FUNDING CAME FROM? DID YOU GIVE A LOAN TO XXXX XXXX, DID XXXX XXXX GIVE YOU OR LOAN, I WAS NEVER GIVEN ANY AUTO LOAN? SO WHERE IS DID THE FUNDING IN THE AMOUNT OF {$39000.00} COME FROM AND WHERE DID IT GO BECAUSE I NEVER RECEIVED ANY CHECK OR LOAN.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX
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 of privacy and confidentiality under 15 USC 1681. XXXX. These list of accounts have violated my rights. 15 U.S.C 1681 section 602 ( a ) states that I have the right to privacy. 15 U.S.C 1681 section 604 ( a ) section 2, states a consumer reporting agency can not furnish an account without my written consent and instructions. 15 U.S.C 1681 ( C ) ( A ) ( 5 ) section states that no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions and crimes which antedates the report by 7 years. 15 U.S.C 1681 s-2 ( a ) ( 1 ) states that a person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Money transfer, virtual currency, or money service

lam writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.