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

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce 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 21.8K financial loss, and I seek appropriate redress for these violations
Product: Debt collection

On XX/XX/21 a letter was mailed with certified receipt asking for validation of this medical debt and I havent received a response within the 30 day threshold from Account resolution services I called in to verify my letter was received and they confirmed over the phone please remove this account I now consider it to be invalid after failing to validate it.
Product: Credit reporting or other personal consumer reports

Today, when I checked my credit report, I was surprised to see inaccurate accounts that I had never encountered before. I monitor my report regularly, so these discrepancies were completely unexpected. Thinking it might be a glitch, I refreshed my browser, but the errors persisted. Because of this, I kindly ask that my documents be reviewed carefully so that I can put this issue behind me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help
Product: Vehicle loan or lease

Account information is not correct. Account showing closed since XX/XX/year>.
Product: Credit reporting

I originally had an account with XXXX that was closed more than 8 years ago. The account was sold to XXXX. I settled the account for XXXX XX/XX/2016. I notified TransUnion to update my credit profile on XX/XX/2016 using the XXXX XXXX direct dispute and Transunion states that they concluded their investigation on XX/XX/2016 and that the account would remain open with the original balance of {$550.00}. They need to correct the inaccurate information on my credit report immediately. I have attached the XXXX XXXX Settlement Statement to this complaint.
Product: Checking or savings account

On Thursday, XX/XX/2022 I stopped by my JP Morgan Chase Bank and was informed that my account was being closed and that I needed to find another bank. When I asked why this was happening the teller only said that their notes show suspected fraud as being the reason and that a letter had been sent six months earlier. No letter was ever sent. 

I asked for a better explanation and none was given. 

I have had this account for years and the only unusual activity this past year and a half have been the COVID pandemic relief that was enacted by Congress and which I was eligible for. 

I am a sole proprietor that files my self-employment income under Schedule C on my personal IRS Form 1040. I received two PPP ( Paycheck Protection Program ) loans and a EIDL loan through the SBA ( Small Business Administration ). In all these loans the calculation for how much I was qualified for was strictly based on my returns filed with the IRS. In the case of the EIDL loan I had an phone interview with an underwriter. Every pandemic loan I have received have been based on verifiable tax return filings and I have submitted all documents requested in a timely manner.

No one at the federal level is questioning these loans.

My concern is that Chase has a fraud department that is either untrained or are indiscriminately targeting account holder who may fit a profile for fraud based on their ethnic origin. This is yet another example of a racially discriminatory practice by a U.S. based bank. It is interesting that I found out about my account being closed the same week that President Biden announced a new DOJ task force to look into pandemic relief fraud.

I report my self-employment income using my social security number I do not have a separate FEIN number. This is accepted by the IRS as business income and I have been filing this way for years. The various COVID19 relief acts passed by Congress did not discriminate between businesses that have FEIN versus income reported using SSNs.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : Collection Removal Request Dear XXXX Representative, I am writing to formally dispute and demand the removal of a collection from my consumer report which has been reported as public information, in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

I have recently reviewed my credit report and identified the following collection account : * Creditor : XXXX XXXX XXXX * Account Number : XXXX * Reported Balance : XXXX * Date of First Delinquency : XX/XX/XXXX The FDCPA states that non-public personal information can not be disclosed without the consumer 's consent. The information listed above is private and should not have been included in my credit report as public information. Therefore, reporting this collection is a direct violation of the FDCPA, and it should be removed immediately. 

I am hereby requesting that XXXX : 1. Remove the aforementioned collection account from my credit report. 
2. Conduct a thorough investigation of the reporting of this collection.

3. Provide written confirmation of the removal of this collection.

Please be aware of the legal consequences that may arise from not fulfilling this request. Failure to comply with the terms of the FDCPA is subject to monetary damages under 15 U.S.C. 1692k.

I expect a prompt resolution for this serious matter. Please remove this collection from my consumer report and send me written confirmation within 30 days. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I sent money via Zelle through my bank XXXX XXXX to a scammer who stole my money. I have reported it to the claims department and they have instructed me to reach out to the recipient to request they send me the money back but the person was presenting to be someone else and solicited me for a service. They have not responded to me. I reported their account with XXXX but they stole if and will never just hand it back over.
Product: Debt collection

According to the FCRA SOUTHWEST CREDIT SYSTEMS LP has Violated my rights. 15 U.S.C 1692g States : Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reached out to original creditor regarding item found on my credit report. Creditor disclosed that she could not talk to me regarding anything because the account was not in their office. Contacted ProCollect collection agency. Asked agency for validation of debt due to it not being my debt. Agency declined to send me written debt validation letter. Agency then told me to contact original creditor for validation of debt. Once I disclosed that I had already contacted original creditor and that they would not talk with me, ProCollect then agreed that it was only to be handled by their office ( ProCollect ). I proceeded to ask for validation of debt and the agent told me that it had already been sent out and proceeded to end the call interaction. I have not received any communication from then and I have been disputing this account for years now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed these items several times. I have no knowledge of ever opening these accounts. I have constantly called the creditors concerning this matter and none of MY information matched their file.The creditors illegally used the information that I provided to update their profile.
Product: Debt collection

CONVERGENT OUTSOURCING, INC. report collection on my credit report without contacting me of this debit. Debit was discharge with chapter XXXX under XXXX, and now placed back under a different name.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   Divorce :  Ending marriage contract between myself and ex-spouse. Account balance on " Account '' was {$0.00}. Divorce states to hold harmless each other of all future debt occurring after date of separation  XXXX   XXXX ,  XXXX  -  XXXX   XXXX   XXXX  : Ex-spouse and new husband get a medical procedure for new husband and use " Account '' to pay for procedure. Current balance on " Account '' (  XXXX   XXXX   )  owed is {$4100.00} -  XXXX     XXXX  : Ex-spouse and new husband file bankruptcy and include " Account '' on it  XXXX  : I find out about account past due balance and bankruptcy. Already had affected my credit report and rating. I hired attorney, attorney contacted " Account '' and sent letter on my behalf stating reasons, and citing court cases for my residing state, as to why this is not my debt. " Account '' has been reporting negative, past due, and charge off on my credit report. Been disputing with Equifax,  XXXX , and   XXXX    regarding the " Account ''.  XXXX  has deleted it from my report. Provided additional information and details in writing and online to Equifax &  XXXX , with no result of deletion from my Credit Report.
Product: Mortgage

I previously filed a complaint with the CFPB against the company LoanCare -- please see complaint # XXXX. 

I am now filing a new complaint because in their XX/XX/XXXX response letter ( sent via the CFPB portal ) to the previous CFPB complaint, they have made several statements that are not true. 

1 ) The XX/XX/XXXX response letter states that " according to our records, you were offered a three month forbearance plan beginning XX/XX/XXXX and ending XX/XX/XXXX. '' This statement is not correct -- our written forbearance agreement expires XX/XX/20. 

2 ) The XX/XX/XXXX letter further states that when " processing the deferral of your payments, the system is only going the defer the total amount due at that time. '' When we initially discussed the deferral on the phone with LoanCare, we clearly discussed deferring the entire time period of the forbearance. The terms of the written agreement are different than the terms we agreed to on the phone. We have been trying to correct this ever since we received the written agreement. 

3 ) The XX/XX/XXXX letter further states " when you make a mortgage payment, it is applied to the most delinquent payment due in accordance with your mortgage documents. '' Our written forbearance agreement and verbal deferment agreement includes the month of XXXX -- LoanCare has been mis-applying our payments since then. 

Please know that LoanCare has not executed their written agreement according to the terms they agreed on via telephone, they are misreporting credit information, applying payments incorrectly, and have made untruthful statements in their response letter to the CFPB. 

I have previously emailed copies of the documents in question, but let me know if you have questions or need further information. 
Thank you XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I noticed several entries placed BACK on my Experian credit report after being removed ( some years earlier ). The items were basically sold to another company and re-reported. Experian has since removed these entries, but XXXX  and XXXX  have refused to comply. Additionally, I've provided all 3 credit reporting agencies with my State Issued REAL ID and Social Security Card which provides my full name : XXXX XXXX ... not XXXX XXXX or XXXX XXXX, as we all know that state issued REAL IDs are the equivalent of a United States Passport ; therefore there should be no confusion as to which accounts are mines and which are not. I've asked them to remove anything that doesn't provide my name as XXXX XXXX. Lastly, Experian has placed a message on my credit report as of XX/XX/2020 that asks any creditor to call me and have provided no phone number to do so, all while still allowing creditors to access my report -- resulting in a lowered credit score!!!!! This " trick '' resulted in a creditor auto-denying my credit application, although they allowed a hard pull to be completed against me resulting in my score being lowered ( DAMAGINF ME AND MY ABILITY TO OBTAIN CREDIT ). The company advised me to have it corrected with them and then I can give them another approval to have them pull my credit for a second time ( RESULTING IN AN EVEN LOWER SCORE AND LIKELY A DENIAL FROM THE PREVIOUS HARD PULL ). This " message '' on my credit does not qualify as a fraud alert, as the credit report is not frozen -- yet this message was not requested to be added to my report by me and is causing me damages. I have expressed to all of the credit bureaus not to lock or add fraud freezes to my account without my knowledge and a personal request to do so. Is that so hard to comply with?? 

I was applying for an auto loan refinance, with a XXXX credit score on XX/XX/2020 ( along with 100 % exceptional payment history with XXXX ( I have car loans, auto insurance, renters insurance and credit card with XXXX ). It makes absolutely no logical sense to me how my own creditor can act as though they do not know who I am or as though they are unable to verify who I am while I'm on the phone with them and as soon as my credit report was pulled I'm being notified by Experian of the hard pull from XXXX and change to my account. This is a horrible way of sneaking high interest rates and ensuring they are being passed over to consumers in an already horrible climate for credit decisions, while many people are out of work and their credit is suffering. 

I REFUSE TO SUFFER DAMAGES BECAUSE OF UNLAWFUL, UNETHICAL, AND UNFAIR BUSINESS PRACTICES!
Product: Credit reporting or other personal consumer reports

Every time I log into my experian account online, it is showing information from XX/XX/year> and when I go to request my online credit report, it's showing that it can not show me my credit report at this time. I have reached out directly to experian for assistance in this matter. And have gotten nowhere
Product: Credit card or prepaid card

Around XXXX of 2022 l applied for a Capital One Quicksilver card. A month after it was approved, sent, and used by me Capital One declared me deceased. I noticed because when l tried to make a second payment around XX/XX/2022 on my account, it said l had no account... I immediately called Capital One explaining what was happening. They had told me l was reported dead. After talking to two different agents, l was told someone would contact me verifying my information. I got a call 3 days later ... A month went by and l had to call again after receiving a bill for {$6100.00} amount owed on the card to be pay by the survivor of the deceased ( me ). I called again and was told they were going to fix the issue. I found out later they reported me deceased to all credit bureaus. I was in a bad situation because l needed to get a loan to pay for legal services and l couldn't because l had no credit report or credit score. I had fix the mess Capital One created. I was able to clear everything by early XXXX. For three months l had no credit score. Capital One closed the account on my credit report, and now after ten months of creating this mess they went back and put the amount as owed. My credit score went down over XXXX points because of this. I tried to do the right thing, but they didn't do anything and instead they falsely reported me deceased when I'm alive creating a lot of unnecessary stress, pain, and suffering.
Product: Credit card or prepaid card

When my husband and I attempted to apply for a mortgage, I found out that there is a  Sears cr edit card on my credit report. The card was opened on  XXXX / XXXX / XXXX . The amount owed on the card is in excess of {$9000.00} and the last payment was made on  XXXX   XXXX   XXXX . I do not own this card and I did not make that payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and saw that XXXX XXXX XXXX ( located at XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ) ran my credit and that inquiry is currently on my report. This has caused my score to decrease and I am concerned that my identity may have been stolen.
Product: Checking or savings account

On XX/XX/XXXX, someone charged my card for {$320.00} for XXXX. I do not use XXXX so I filed a dispute with them on XX/XX/XXXX ( late, I admit but I was reviewing all my transactions ) and stated that the transaction was not authorized. Despite this they very quickly denied my dispute although I am rightfully owed it. The chat support is unhelpful and the real customer service reps don't help either.
Product: Checking or savings account

I am looking to be made whole, and have my {$35.00} overdraft fee returned, as no harm was done to Wells Fargo in my moving my personal funds from one acct to another. I have paid the {$35.00} fee for the XXXX payment, which as of XX/XX/2018 at XXXX did not show pending, but later posted and was backdated to XX/XX/2018. The acct transfer took place after XXXX on Friday, XX/XX/2018, with no pending transactions for XX/XX/2018 preventing the transfer of funds. I also immediately moved part of the money back. On Monday, XX/XX/2018, Wells Fargo emailed me and informed me that the acct was overdrawn and charged me the {$35.00} Fee. Spk w/XXXX, XXXX, and two add'l reps. Wells Fargo charged me a {$35.00} overdraft fee for moving {$600.00} from my personal checking account to my additional wells fargo checking. The transaction was done after midnight on XX/XX/2018, and also immediately moved back to the original checking account. Wells Fargo then charged me {$35.00} overdraft for my XXXX payment not clearing, which I paid, and an additional {$35.00} for moving my own {$600.00} from my checking to another of my checking accounts, which caused no harm to Wells Fargo. They are constantly imposing fees on consumers through backdating transactions, and not honoring the live available balances they show in the system.
Product: Checking or savings account

In regard to previous complaint number XXXX Remaining balance in letter is still being held by chase bank. I want second tracking number
Product: Debt collection

Portfolio Recovery has been calling me from several different phone numbers almost daily. On XX/XX/XXXX they were asked to stop contacting me. I told them I would refer them to CFPB and the FTC if they did not stop using robocallers to dial me from unblocked numbers. They threatened me with legal action and continued calling. Additionally, they refused to provide a name when asked and failed to substantiate a debt listed as " XXXX Bank ''. I have never held any account with XXXX Bank XXXX. I have attempted blocking their phone numbers and they call me from new ones. 

XX/XX/XXXX - Called from XXXX. Asked them to stop calling me. 
XX/XX/XXXX - Called from XXXX XX/XX/XXXX - Called from XXXX - Blocked this number. 
XX/XX/XXXX - Called from XXXX - Blocked this number. 
XX/XX/XXXX - Called from XXXX - Blocked this number. 
XX/XX/XXXX - Called from XXXX - Blocked this number. 
XX/XX/XXXX - Called from XXXX - Blocked this number. 
XX/XX/XXXX - Called from XXXX XX/XX/XXXX - Called from XXXX XX/XX/XXXX - Called from XXXX - Blocked this number. 
XX/XX/XXXX - Called from XXXX - Blocked this number. 
XX/XX/XXXX - Called from XXXX - Blocked this number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am pleased to see some improvements on my report and some of the inquiries and inaccurate personal information which I have disputed were removed. However, there are still remaining inquiries and inaccurate personal information on my report which is unauthorized and resulted from identity theft. I am pleading for your help to remove these remaining inquiries and inaccurate personal information found on my report. Per FCRA section 605b, the credit bureau is required to remove any items listed on an identity theft report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX