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 platforms, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Mortgage

This is not the most clear cut case but I have concluded that it comes down to bad communication between the billing department and insurance department of my lender. 

I closed on my property last XXXX XXXX XXXXXXXX XXXX and the mortgage was purchased by M & T bank within a month after the closing. The flood insurance that was considered sufficient with XXXX was considered insufficient by M & T, they sent out a letter informing me of this which I did not receive until two weeks before the deadline to revise my flood insurance policy. I informed my insurance agent who in turn tried to get me a policy that was in line with M & T 's demands ; this could not be accomplished by the deadline and M & T in turn purchased flood insurance for me which was in effect until I could get a sufficient policy in place. I got a new flood policy enacted on the XXXX of XX/XX/2021 and the policy that M & T purchased was then canceled. 
I was told that I could apply with FEMA for a map amendment to see if I could remove one of my two structures that was on higher ground from flood insurance. I applied using my flood elevation certificate. The map amendment came back about 4 weeks later and it was determined by FEMA that it was not necessary to have flood insurance on the guest house structure. I submitted it to M & T insurance division and a week or two later they sent me a letter stating that I no longer needed flood insurance on the guest house also referred to as the cottage. That was in late XXXX early XXXX. I then canceled the flood insurance for the guest house which is also listed as XXXX XXXX XXXX with the county, and the primary house being listed as XXXX. I have been receiving contradicting letters from M & T due to flood insurance ever since I canceled my flood insurance on the guest house ( XXXX ) and even going back further than that but my complaint now stems from getting notices saying that I do not have sufficient flood insurance and that flood insurance will be purchased for me by M & T if nothing is done about it. 
This has been a constant back and forth for which I do not have time to deal with, and something that I have spent countless hours on the phone with many different agents in billing and insurance even on three way calls always ending with the problem being resolved yet still receiving these notices via letter and on my website account. It has caused me great stress and taken up much of my time, I just want to pay my correct bill and live my life besides without worrying about my insurance defaulting.
Product: Checking or savings account

This is a follow up in regards to my prior claim, which still shows open. It is claim number XXXX : please take note of the documents sent under claim # 1 previously provided. The information they are providing is conflicting and Im really hoping that you will see that they are not being honest and upfront about the transaction. The initial claim showed a copy of the check that they say was presented twice. The attempt to deposit the item online did not go through, so I waited several days and then went into the bank personally and cash the check. A week later, I had a debit to my account. This debit should never have been on the account because I only cashed the check. I did no other transaction successfully with the {$39.00} check because the online attempt to deposit it was rejected. You can clearly see by looking at the statement that there is no {$39.00} deposit in the month of XXXX. The check was written on XX/XX/XXXX and cashed on XX/XX/XXXX. The most recent recent responses from Bank of America are conflicting one another and I am relying on you to resolve this issue. I have been with this bank for approximately 18 years and would not be trying to manipulate {$39.00} from Bank of America. They claim they are unable to provide a copy because the transaction was electronic. If that is the case, would they not have been a deposit showing on that Sunday XX/XX/XXXX, which is the day I actually attempted to deposit it online? I have include a copy of the most recent correspondence from the bank. Your assistance is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had previously ( on XX/XX/2018 ) tried to get a payday loan, and was unable to due to not having enough open accounts, according to XXXX XXXX XXXX, I have a credit score FAR HIGHER than what is true and they wouldnt allow me to dispute it when I called in. I have 3 credit cards open, one for more than a year, and they also reported my credit score more than 220 points above what it actually is. I called to speak with someone at XXXX XXXX XXXX XXXX about disputing it, and was informed that they refused to speak with me over the phone regarding a dispute until they send me my credit report to ensure the information even needed disputing. They reported my score far higher, I already knew I needed to dispute it. More than two weeks later, I receive the credit report only to find what I suspected to be true ; its incorrect and needs disputing.
Product: Mortgage

For the past two years I have been unable to pay my mortgage within the first two weeks of the month. Bank of America personnel in the bank branches and at their XXXX customer contact phone numbers have told me when paying in the last few days of the month to avoid a 30 day late payment, I must pay over the phone. They charge up to {$20.00} per payment to pay over the phone with a debit card. This charge is in addition to a late charge. I feel the bank should post the payments made in their branches immediately instead of forcing me to pay the extra fee each month by phone to avoid a late posting of my payment.
Product: Bank account or service

On XXXX XXXX XXXX, I purchase a ticket from XXXX XXXX via online in the amount of {$350.00}. Unfortunately, the ticket was not issued to the passenger so the passenger had to purchase the ticket using her own debit card. I then contact Navy Federal Credit Union, and talked to customer service, then was informed to contact the merchant, XXXX XXXX regarding the charges. Apparently, I contacted XXXX XXXX and talked to the agent. He informed me that there was no payment that was made due to the ticket not issued. On XXXX XXXX XXXX, I contacted Navy Federal Credit Union, and talked to XXXX, Supervisor regarding payment that was made to XXXX XXXX since my checking account showed a minus. I tried to explain to her about the matter between XXXX XXXX and Navy Federal Credit Union. She informed me that XXXX XXXX needs to provide me a letterhead to Navy Federal Credit Union to say not going to pay funds. I told her that is not what I was told in the first place, and that I was going to file a complain with CFPB, and she said go ahead and make sure my name is spelled correctly. This was uncalled for as she was negative and unprofessional including rude talking to a customer that has been with Navy Federal Credit Union for years. Again, I contacted XXXX XXXX and talked to the manager and was told that a letterhead does not need to be provided and that does not change because I was not charged for the ticket. I need to contact the Navy Federal Credit Union letting them know.
Product: Credit reporting or other personal consumer reports

I checked my credit report recently and noticed that there are negative marks on my report such as late payments, which I really don't recognize because I have always been up to date with all my payments and in my history there have always been on time payments, all payments have been made on time, so it seems unfair to me that these marks are affecting my credit in a negative way The negative marks are these 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: Debt collection

The BUREAUS collection agency was filed on my report on XX/XX/2016. The amount that this company is saying that I owe is a total of XXXX. I do not have a contract with their company, and I requested copies of the contract where it states that I should pay this amount. The Bureaus was not able to give any validation just a copy of a bill that I was not responsible for. I am asking the Bureaus to remove any collection amount from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXX and Experian is furnishing negative items on my consumer report thats suppose to be excluded. The information was obtained under false pretenses through aggravated identity theft to help the furnisher extort me by using racketeering activities to compel and coerce me into paying alleged debt not owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA Date of inquiry XX/XX/XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, MD XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Date of inquiry XX/XX/XXXX I have send in this view letters about these inquiries that are onauthorize and they have failed to properly investigate it right the next day they come back verify as accurate Equifax is not doing the job is to investigate the accuracy of these inquires they have violated the federal credit acc
Product: Credit card or prepaid card

Purchased a visa NetSpend card an besides the cost of the card i also put XXXX dollars on it to pay my online bill 's tried to activate the card to use an NetSpend refused to honor the card in anyway i need the money to pay a couple of outstanding bills please help
Product: Debt collection

XXXX XXXX XX/XX/year> JEFFERSON CAPITAL SYSTEMS XXXX XXXX XXXX XXXX, XXXX MN XXXX Re : Account # XXXX To Whom It May Concern, I hope this message finds you well. I am writing in response to a recent debt collection letter from your office regarding an alleged debt. I do not recognize this debt, and I am formally requesting validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ).

To clarify this matter, please provide the following : 1. Creditor Information : The name and address of both the original creditor and the current creditor. 
2. Debt Verification : Documentation verifying the amount you claim I owe and proof of a valid contract establishing this debt.

3. Assignment Records : Copies of all assignments or transfers demonstrating the chain of ownership of this debt from the original creditor to your agency. 
4. Proof of Securitization : Evidence that this debt was securitized by the original creditor, as stipulated in the Truth in Lending Act ( TILA ).

5. Assignment Details : Documentation of any assignments of the debt from the original creditor to any secured trust and any subsequent transfers. 
Until you have provided the requested validation, I respectfully request that you cease all collection activities related to this account. If you can not provide sufficient validation, I expect the account to be removed from your records. 
Additionally, please refrain from accessing my credit report or reporting this disputed debt to any credit bureaus. If this alleged debt has already been reported, I request that my dispute is clearly noted in the report. 
Permissible Purpose Please clarify the permissible purpose under which you accessed my credit information, as I dispute the validity of this claim. 
If you choose to transfer or sell this account to another agency, please inform them of my dispute regarding this alleged debt. 
Thank you for your attention to this matter. I look forward to your prompt response to resolve this issue amicably. 
Best regards, XXXX XXXX
Product: Checking or savings account

On XX/XX/year> I recieved multiple emails about a Square savings account that I supposedly opened I called the company and informed them that is wasn't me, that I had never even heard of them before. They assured me the account would be closed and that their fraud department would be in contact within a few days. On XX/XX/year> I recieved new messages that someone was trying to access the account and according to the message the IP address is located in Texas, I live in Missouri. Also on XX/XX/year> I recieved a notification of suspicious activity on my XXXXXXXX XXXX card. I do not have an XXXXXXXX XXXX  account. Someone is using my information to open bank accounts in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had done an investigation on my credit report which caused me XXXX XXXX to me due to me finding inaccurate, unverifiable, questionable, predatory and fraudulent even. 

The item on my report is the following : Account name : XXXX XXXX XXXX ( c/o : XXXX XXXX XXXX ) Account Type : COLLECTIONS Amount due : {$380.00} Date placed on my report : XXXX Your agency did not make sure it was reporting as 100 % correct. 

In ordinance with the Fair Credit Reporting Act, everything has to me 100 % accurate on my credit report, and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these account ( s ) are in violation not reporting 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX insist in reporting a loan late on my credit even after I explain that was due from my ex wife. The divorce decree was provided to the XXXX XXXX and many times contact without a solution. Also the loan was under both our names and it has been reported only on my social security.
Product: Credit reporting or other personal consumer reports

I'm unfamiliar with this account and have requested Experian to remove it due to identity theft. Despite my efforts and a filed complaint, Experian hasn't taken action. Seeking your help to have XXXX XXXX XXXX confirm no association and facilitate the removal from my credit record. 
XXXX XXXX XXXX  Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring to your attention the presence of inaccurate information in my credit profile, specifically pertaining to my accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have attached supporting documentation to substantiate my dispute and request a thorough investigation and correction of these discrepancies. 
I kindly request that the Consumer Financial Protection Bureau initiate an investigation into these matters, review the attached documents, and take appropriate actions to rectify the inaccuracies in my credit profile. Additionally, I request that you notify the respective credit reporting agencies to update my credit information accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance With The Fair Credit Reporting Act XXXX XXXX XXXX A 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
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXXXXXX XXXX XXXX XXXX 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 am writing to formally dispute inaccuracies on my credit report. Upon reviewing my report on XX/XX/XXXX, I noticed that certain accounts contain incomplete and incorrect information. 

Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy when preparing consumer reports. However, the following accounts are reporting incorrect information : Account Name : XXXX XXXX Closed on XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX Closed on XX/XX/XXXX Account Name : XXXX XXXX Closed on XX/XX/XXXX Account Name : XXXX Closed on XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX  Closed on XX/XX/XXXX The specific inaccuracies include : Incorrect open date Incorrect date of last activity Incorrect date of last payment Since these errors may negatively impact my credit profile, I request an immediate investigation and correction of these discrepancies. Please provide me with the results of your investigation in writing. 

Enclosed are copies of relevant documents supporting my dispute. I appreciate your prompt attention to this matter and look forward to your response.
Product: Credit reporting or other personal consumer reports

I have 9 mortgages 8 of these mortgages are for XXXX XXXX one is for my personal residence. On or about XX/XX/2023 I received a letter that 5 of these mortgages would be transferred. These transfers were initiated by the mortgage companies themselves and I had no involvement in the transfer. Three of the mortgages were transferred from XXXX to XXXX. Another 2 were transferred from XXXX to XXXX. These are mostly old mortgages that I have been paying on for the better part of a decade and have a long history of making payments on time. They are still the same mortgages they were not refinanced. Problem is that all the credit reporting agencies closed the accounts ( yes all 5 of them ) and reported them as being new accounts. Typically this would not be a problem but withem doing 5 at once it appears that my credit score took a rather large drop. It appears that this is in the range of XXXX to XXXX points. I did open a new credit card and do a balance transfer but I don't think this would drop my score this much. I believe its related to the closure of these accounts. I could see it dropping if I refinanced or didn't pay, however they seem to have dropped my score because of something the banks did. Doesn't seem right. Could you please look into this. Thank you
Product: Consumer Loan

I originally took out a loan with Armed Forces Loan and hit a rough patch and was unable to make payments. I contacted the company and made arrangements for a ONE TIME {$300.00} payment in XXXX and I told them I would contact them again the following month to arrange another payment. In XXXX I was unable to make a payment and in XXXX I noticed an unauthorized transaction from AFL on my bank account. I contacted my bank to reverse the charge and then contacted my legal office at my XXXX. I was advised to take legal action due to me not authorizing the transaction. I contacted AFL and made them aware of what they would possibly be facing and they quickly reversed the charge. Since XXXX up until now I have been making making payments of {$190.00} towards my outstanding loan but AFL again refuses to do their part. They are still reporting my payments as late monthly even though I have n't been late since last year. My payment of {$300.00} is n't reported on my credit report. I will be moving forward with legal action because I 've been burned by this company many times. They take advantage of customers & do n't execute proper reporting to credit bureaus. I have statements of payment included in this complaint as we as an email stating my most recent balance which is reported incorrectly as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In reviewing my report from Experian, I found unauthorized inquiries. I do not have any accounts with them under collection nor for review. I have made numerous attempts to resolve this matter via Experian automated service, however, I had no success by phone. The following inquiries are unauthorized : XXXX ) XXXX ; Inquiry date XX/XX/XXXX, XXXX ) XXXX ; Inquiry date XX/XX/XXXX, XXXX ) XXXX ; Inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX ) XXXX ; Inquiry date XX/XX/XXXX, XXXX ) XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX ) XXXX Card ; Inquiry date XX/XX/XXXX and XXXX ) XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX. I have attached a copy of my credit report that does not reflect any accounts with these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report and I saw that my credit score is low because you put some accounts there. I have no idea where did you get it I didn't use anything and never apply for it
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists