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

I am filling a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, that violate the Consumer Financial Protection Act ( CFPA ). Cash App failed to protect their platform by monitoring and addressing fraud, in return, my account was left 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, financial loss, time loss, and I wish to receive appropriate redress for these violations.
Product: Credit reporting

XXXX account included in bankruptcy and discharged but still Reporting as derogatory. I disputed via agencies the account is deleted then re reported as derogatory. ChapterXXXX filed XX/XX/XXXX discharged XX/XX/XXXX. Account was never a charge off.
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 to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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: Debt collection

This letter is to dispute a debt by Phoenix Financial Services.

The company Phoenix Financial Services list a debt dated from XX/XX/XXXX by Original Creditor : XXXX  XXXX XXXX XXXX. 
Acct # XXXX Creditor Account # XXXX Amount owed : {$790.00}. 

On XX/XX/XXXX I arrived in the State of XXXX  with my child whose medical was with the State of XXXX  called the XXXX  XXXX XXXX. I took my child to an emergency doctor since he needed a follow up appointment for XXXX he had back in XXXX. Also, he was not a local resident in the XXXX of XXXX. Being in the XXXX of XXXX  for only a week I had to make sure I could obtain medical service for my child. This included for all appointments and refills of any medication which is covered by his XXXX  XXXX XXXX XXXX XXXX since that was all I had. Once I provided the Medical Insurance from the State of XXXX each hospital took the card and additional forms from the medical center in the State of XXXX  regarding his XXXX and made copies. 

In early XXXX of XXXX and immediately reached out to my lawyers office XXXX XXXX XXXX XXXX regarding this collection letter from XXXX. The current creditor listed is XXXX XXXX XXXX, XXXX. 

By XX/XX/XXXX a dispute letter on my behalf was mail to XXXXhoenix Financial Services from my lawyers XXXX XXXX XXXX XXXX. ( See Attached Document ). In two months there was no response. On XX/XX/XXXX, a certified letter was mailed by my lawyer XXXX XXXX XXXX XXXX to Phoenix Financial Services to dispute the debt. 

A response was received on XX/XX/XXXX from Phoenix Financial Services, LLC ( See Attached Document ) with their response that the creditor had already disputed the information with me. Also on the letter you can show it is not with a new current creditor listed is XXXX XXXX XXXX XXXX. Nowhere in the letter did the agency acknowledge the request to provide full details of medical charges made on XX/XX/XXXX. Second, there was no mention of insurance provided with this debt when at the time the billing was made by XXXX  XXXX XXXX, XXXX. 

I do not recall receiving mail from XXXX  XXXX XXXX, XXXX for a medical bill while I was in the State of XXXX. I was only in the XXXX of XXXX   for 5 months. I left the XXXX Of XXXX  in XXXX of XXXX. This is the first letter I have ever received from Phoenix Financial Services dated XX/XX/XXXX ( See  Attached Document ) regarding this debt from XX/XX/XXXX. 

I only received the confirmation of Certified mail that it was received by Phoenix Financial Services, LLC date XX/XX/XXXX ( See Attached Document ). In addition, my lawyer reached out to Phoenix Financial Services, LLC by email requesting again, to provide more detailed information to verify debt. My lawyer did not get any response. 

Today, I am filing with CFPB about this debt.
Product: Credit reporting or other personal consumer reports

I purchased an item from a company that went out of business and did not recieve my item. I completed payments on my Affirm loan on XX/XX/XXXX. 

Affirm first claimed they couldn't help me because I was outside of the 60 day resolution window and I would have to contact the merchant. The merchant is closed. They reopened the case. I provided proof of purchase and proof of business closure. 

I disputed the Affirm payments with my bank, who ruled in my favor since the company had closed, I didn't get my item, and Affirm was non-responsive. I was credited that money back. 

I am now receiving repeated contact from Affirm falsely stating that my loan has fallen into delinquency and will be reported to the credit bureaus as unpaid while my case is still under investigation. I was previously advised by Affirm to NOT make any payments while my case was being investigated. 

I have filed a dispute with XXXX because Affirm is reporting a non-payment, even though I did not receive the item I financed. 

I called them on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and informed them that if they kept emailing, texting, and calling to collect while my case was in dispute and under investigation that I would report them to CFPB for false reports and continued harassment. They are continuing to contact me. I have emails and texts dating XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Product: Checking or savings account

In early XX/XX/2018, I tried opening an account with Citibank and was approved online. Following that, I got letters about my account number, a signature card and providing a state Driver 's License/ID. I immediately responded with a state ID and driver 's license and the signed signature card. I need the debit card to actually use the account and deposit into it as it's required for registration online. Nearly a month goes by and today I call Citibank to ask why I haven't received any feedback or my debit card. It turns out they " rejected '' my ID and DL for being " too dark '' and that they couldn't " read '' it. They were perfectly legible and I think this is a deliberate strategy on the part of Citibank to structurally prevent people from opening accounts. I tried opening a Citibank account years before where I faxed the same ID or DL five times because they kept claiming it was " too dark '' and they couldn't " read '' it. I have faxed a lot of material to banks and other companies over the years and only Citibank has this problem. The customer service agent I talked to confirmed this as he said a lot of IDs were rejected and this was the most common reason. This is deliberate discrimination and I have really soured on doing any business with Citi because of these types of games. I expect this to be corrected or me and my spouse will cancel all our credit cards as Citi is the worst.
Product: Checking or savings account

My checking account at Prosperity Bank was subject to an unauthorized ACH transaction. ( See file for details ) The criminal is from XXXX XXXX and most likely has my bank info somehow and is using it to make ACH to pay his credit card. 

I am bounced back and forth between XXXX and Prosperity bank from their fraud department and no-one is wiling to take the blame and give me the lost money back. 

Transaction details :
Product: Credit card

I requested an extension of my creditline, but before I did that I explicitely asked the AmEx creditbureau ( call has been recorded ) if I would get a 'hard hit ' on my creditrating. They explicitely told me this was not the case, so I proceeded. 
I just have been informed that they have put not XXXX, but even XXXX hard iquireries on my creditfile, which is hurting my credit. This is a particular issue because I am an XXXX, and XXXX only XXXX months ago, so I am trying to build up my credit, not break it down ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have attached a police report for you to view. The accounts attached are NOT my accounts. Somehow someone keeps accessing my information! I am sick of it. No one of these companies have my personal information, nor do they have a signature on file. I am unsure how the predators keep getting my personal information. Please remove them immediately. Thank you.
Product: Debt collection

This is collection account is for XXXX XXXX which I do not owe. This account was removed from my credit report before but put back on it with out my knowledge. I do not owe XXXX it was disputed and removed from credit report then put back on. 
JEFFERSON CAPITAL SYSTEMS Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$570.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$570.00} Balance updated XX/XX/XXXX Recent payment $ XXXX  Monthly payment {$0.00} Original balance {$570.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA continues to violate FCRA 605A. Identity theft prevention ; fraud alerts and active duty alerts [ 15 U.S.C. 1681c-1 ] 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] Several other  consumer protection laws, state laws and federal laws. 

Also CRA is claiming that they haven't received any correspondence by way of the CFPB from me.
Product: Student loan

This letter is to formally put XXXX on notice. 

I have as of today XX/XX/2018 at XXXX, Paid off in full my student loan in the amount of {$29000.00}. 

You are owed not XXXX XXXX more. Any interest acrrued from XXXX will be credited back to me. 

You pieces of XXXX you in ( ) 's I believe charged me an Additional {$38.00} in interest on the {$5200.00}. XXXX I just paid. 

I get that back, as you assured The Consumer Financial Proctection Bureau that no additional interest had been accrued and you tacked that amount on my total Payoff you piece of XXXX. 

If you don't think I know you are wrong when the payment went from $ XXXX.and some change, to {$29000.00} to {$29000.00} in a matter of seconds. You charged me additional interest on top of interest. 

I do get that money back you XXXX.. 

Also, for the next 30 days until I have that written confirmation in my hand your XXXX is mine. I will ride you till this is done and you will not charge me XXXX XXXX more!!!!!! 

I expect this to go smoothly and if it doesn't expect me to have you in court so fast ... Even if it's over XXXX cents!!!! 

I hate you with such a passion it will be my pleasure to watch you squirm.. 


I expect my payment to be processed in full by tomorrow. 

I will be monitoring my account everyday and I expect a XXXX amount shown.. 


If you charge me even XXXX XXXX you can go XXXX yourselves.. 


The government has been paid in full and you are to get the XXXX out of my life!!!! 


My final words to you!!!! 


Go XXXX yourself XXXX I mean XXXX ... 

Free at last!!! I am free at last!!!! Thank Gd almighty I am free at last!!!! 


XXXX YOU in the biggest term of the sense!!!!! 


XXXX you XXXX you XXXX you XXXX you XXXX you XXXX you XXXX you!!!!!!
Product: Credit card or prepaid card

{$7900.00} Authorized by PO XXXX to my Credit Card from JP Chase account on XX/XX/XXXX. Transaction was cancelled after I purchased requested gift cards for XXXX XXXX XXXX   XXXX after funds hit my account. 

{$15000.00} Authorized by PO XXXX to my Credit Card from JP Chase account on XX/XX/XXXX. Transaction was cancelled after I purchased requested gift cards for XXXX XXXX XXXX    XXXX funds hit my account. 

{$6500.00} Authorized by PO XXXX to my Credit Card from JP Chase account on XX/XX/XXXX. Transaction was cancelled after I purchased requested ( 5 ) XXXX XXXX 's for XXXX XXXX XXXX   XXXX after funds hit my account. 

The first ( 2 ) POs were approved to pull from the XXXX XXXX accounts. When they bounced, XXXX XXXX authorized me to put ANY fund necessary to accrue for the bounced funds and be properly paid through the JP Chase Account ending in XXXX. 

Purchased orders were given as well as a commission for my procurement project given to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dispute Shellpoint reporting of the above loan as late to the credit bureaus starting with the month of XXXX, XXXX and XX/XX/2021. Shellpoint contends that the protections of the CARES Act expired XX/XX/2021, if the loan was not in active forbearance and would therefore be reported as delinquent. Shellpoint has NOT addressed the fact that I entered a repayment plan prior to the expiration of my forbearance plan and have made all payments according to the schedule set out in my agreement.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : 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 : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
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 federal protected consumer rights and privacy and confidentiality, under 15USC 1681. 
Account name : XXXX XXXX XXXX  account number XXXX, XXXX XXXX XXXX 15 U. S. C 1681 SECTION 602 A. States I have a right to privacy.

15 U. S. C 1681 SECTION 602 A. Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U. S. C 1681c. ( a ) ( 5 ) SECTION 6 A Section 2 : It also states a consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U. S. C 1681s- ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows of had reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Equifax account number XXXX has violated my rights.15 USC 1681 Section 602 states I have the right to privacy.15 USC 1681 Section 604A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. Also 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

recently i checked my experian credit profile and noticed Experian has merged my profile with someone else 's with a similar first and last name. I've requested Experian to remove that name from my profile, but they refuse, i requested to have one name, one address and one date of birth on my profile but i was told by experian customer service it cant be done. I have been a victim of identity theft and do not want a similar name or variations on my credit profile. my social security, my birth certificate and my state issued id only has my born birth name.
Product: Credit card

I had an HSBC credit card that was charged off in 2007. The credit limit was {$500.00} and the high balance was {$790.00}. HSBC sold this debt to someone else. They are continuing to report this account on my credit report after 8 years? This was supposed to have been removed last year. This is doing severe damage to my credit report.
Product: Debt collection

I got my XXXX  Credit report dated XX/XX/XXXX, Midland Funding acct # XXXX shows this account is scheduled to continue on record until XX/XX/XXXX. I called this afternoon to XXXX to inquire when it would be deleted lady named XXXX says she would check system came back after 10 minutes on hold to say it will remain on report till XX/XX/XXXX told her thats not what was on my report # XXXX for XX/XX/XXXX, XX/XX/XXXX, report # XXXX and XXXX report # XXXX from three reports couldnt be wrong asked for a new report and want it removed XX/XX/XXXX as it says or what shall I do to fix this problem so Im not sure if any thing is correct. Confirmation # XXXX from call today XXXX
Product: Vehicle loan or lease

I purchased this vehicle less than a month ago in XXXX. And its been nothing but problematic. 
XXXX XXXX 2010 XXXX XXXX XXXX XXXX Tx XXXX location. 

I work XXXX m-f which leaves me without an opportunity to even drop off my vehicle for repairs as I live XXXX miles away from the shop and an uber to the location is {$30.00} XXXX way and thats on weekends. During the week its $ XXXX. Ive had diagnostics ran on the vehicle and theres a lot more wrong than minor cosmetic issues. My headers keep misfiring, the XXXX is already starting to go out, oil levels wont hold. ( took it to take XXXX and they said it would be over {$150.00} to fix it at base level ). Since the location of the windshield repair company they suggested is XXXX miles away from me XXXX cant get that fixed. I did a safelite quote and its almost {$370.00} to replace it. XXXX honestly worried every day XXXX XXXX to work because its starting to sound like its going to die everyday. I missed the full payment on Friday ( for the down payment not the actual car loan ) due to the fact that Ive had to take an uber and get rides to work due to safety concerns. Please help me, also my references are getting harassing messages and phone calls. Most of the references are XXXX and they are freaking out. XXXX be glad to pay the full balance once Ive got a resolution. Not having a vehicle for several days is unacceptable especially so soon after purchase. Either a vehicle with a clean bill of health would suffice or take it back. This car according to Take XXXX would not pass inspection ( which is very concerning ) Thank you for your time. I will be away from my phone most of the day as XXXX having a medical procedure done after going to the hospital. Please let me know if you need anything else.
Product: Debt collection

Account XXXX Amount {$1500.00} LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX PHONE XXXX I am filing this complaint because they didn't follow the rules in the FDCPA. I already asked them, in writing, to cease and desist contacting me about the debt linked to account number Account XXXX. Even though I made this request, they have kept reaching out, which violates my rights under the FDCPA. These continued contacts are really stressful for me and affecting my mental health and go against FDCPA Section 805 ( c ) which says debt collectors have to stop contacting you after a cease and desist request, except for limited reasons like notifying you of legal action.
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, Account name : XXXX XXXX XXXXXXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX 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

The account is paid in full. I have a XXXX balance and the verification was emailed out to me on XX/XX/2023. However, it is still showing on my credit report for the full amount of {$200.00}, XXXX. Each time I dispute it with the credit companies I get a notice stating that XXXX is reporting that the amount they have is verified. Each time I call XXXX they tell me that they are not reporting that amount to the credit companies and there is nothing they can do to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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