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

I am filing a complaint against CashApp ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Agency ( CFPA ). Specifically CashApp 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 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: Checking or savings account

I deposited a {$800.00} check to Chase from my XXXX  husbands XXXX checking account on XX/XX/20. It cleared on XX/XX/20. Chase will not clear the check for 15 days. 

Chase has consistently been putting extremely long holds on my XXXX  spouses checks to me. They have tied up {$1500.00} for 15 days just this week alone. Now we are late with rent. 

I called Chase and held for 2 hours and spoke to XXXX at XXXX. I also sent images of the cleared deposits to chase via secure messaging. 

XXXX refused to call XXXX with me in a conference call with XXXX to confirm the check cleared because she does not know how to do her job and interact with a XXXX  XXXX person through an XXXX. She said we could go out in the middle of a pandemic to a branch or just wait. She refused to call XXXX with all parties sitting right there trying to explain to her how to confirm a check cleared. 

Our lease is up for renewal and we are already late with our rent. We dont need XXXX   like XXXX who dont know how to do their job absolutely destroying our finances. 

I want the hold on the cleared check released and a courtesy of {$100.00} for the rent late fees they are causing. 

This was XXXX XXXX Whatsoever you do to the least of these you do to me. Shame on Chase.
Product: Credit card

I have tried repeatedly to close out the secured credit card with Discover and each time I am met with opposition. They allege that I owe money on it. I have asked for a bill to be sent to me and to have the payment options included and everytime I ask I can not get it. Now I check my credit score today and they closed my account and charged it off as bad debt. This is beyond unacceptable. As the cherry on top of the cake they put very derogatory remarks on my credit report and my credit score went from a XXXX to a XXXX. 

Discover refuses to help. They wont let me pay my balance off and close it. So now Im still stuck between a rock and a hard place. I dont want to get an attorney involved but I am afraid if they don't help me with removing the derogatory remarks and let me close my account for the past due balance that I have been trying to pay for literal months I will have to retain one.
Product: Debt collection

Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums.

Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : 1. XXXX out the balance on this account. 
2 Deletion from all consumer reports.
Product: Checking or savings account

I closed my XXXX XXXX account in XXXX of XXXX. I received my federal income taxes around XX/XX/XXXX to my prepaid American Express. I was charged {XXXX} on XX/XX/XXXX to my prepaid American Express. I have disputed the charge three times to American Express has denied my dispute even though I did not authorize this charge. I requested a debt validation notice from XXXX XXXX in XXXX of XXXX. I did not receive any validation information as XXXX XXXX was collecting on behalf of XXXX. I spoke with a supervisor named XXXX whom advised that XXXX sent a letter advising i could dispute the charge and XXXX would not attempt to recollect but would not give a direct company refund for the charge. I requested a copy of the letter per my FDCPA and consumer rights and was advised XXXX could not resend the letter. American Express has no right to pay a charge I am disputing from my prepaid American Express. This has caused me grave financial harm as my this money from taxes was for my kids and past bills. My water was turned off for 3 days due to this issue.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, via certified mail ( XXXX XXXX Number XXXX ) Equifax received a package from me which contained : proof of my identity, the specific information that is the result of identity theft, and a copy of my complete and submitted Identity Theft Report with the Federal Trade Commission. 

As the consumer reporting agency, Equifax has failed to provide any documentation that would allow them to reasonably determines a condition to rescind blocking Account # XXXX - XXXX  XXXX under Section 605B of the Fair Credit Reporting Act.

Equifax has failed to block this account, and also failed to provide documentation to justify recinding said block, which is a clear violation of 15 U.S. Code 2068.

The previous mentioned violation ( of Section 605B of the Fair Credit Reporting Act ) constitutes a separate but continuing violation 15 U.S. Code 2068, each day of the violation constitutes a separate offense ( {$1000.00} each according to 15 U.S. Code 1681n ), the maximum civil penalty shall not exceed {>= $1,000,000}.
Product: Money transfer, virtual currency, or money service

I received 2 Square Debit cards on or around the dates of XX/XX/XXXX to XXXXXXXX 2022 from Square , Inc. I did not sign up to receive these cards and did not notify Square , Inc. that I wanted them. The cards were sent to my home address as 2 separate mailings. Both of the cards have my social security number listed in full on the front of the card. In addition, my full social security number was included between my name and mailing address and appeared in the window pane on the envelope that was sent to me with the cards. A representative from XXXX XXXX XXXX XXXX and myself called Square , Inc. on XX/XX/2022 and XX/XX/2022 to let them know of these issues. During those calls, we informed the customer service representatives at Square , Inc. that the cards are fraudulent, to close/cancel them, and to do what it takes to remove them from my credit report/alerts. During both of the calls, we provided the representatives with my e-mail address and cell phone number to correspond. The representatives indicated that they would follow-up with me after each call to discuss/review next steps and the process to clear my credit. As of today, XX/XX/2022, I still have not received any follow-up correspondence from Square, Inc. regarding the fraudulent cards nor how they will clear my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion failed to correct an account from XXXX XXXX Loans in the " Pay Status '' as Current ; Paid or Paying as Agreed. The account is showing 60 days Past Due. I want TransUnion and XXXX XXXX Loans to correct this error and update my credit report.
Product: Credit reporting

I went to the hospital with XXXX and they XXXX when I return home property management had had maintenance remove my front door because nobody answered it my family had paid the rent in full had been in contact with management so they knew I was in the hospital but they so rudely removed my door when rent was paid in full in a high-crime neighborhood XXXX I stay one night with my sister and became homeless because of this my rent was always paid in full on XX/XX/XXXX as I had Section XXXX housing Choice vouchers get paid a percentage of my rent as well as getting regular inspections of my unit the only remarks were the carpet was worn and it needed painting I had lived there 10 years without so much as even an air filter for my air conditioning I have requested on numerous occasions where I was promised they would bring one right down but it never came also Management on several instances tried to accuse me of not paying the rent but I had taken pictures of my money order receipts this was quickly explained that somebody was stealing from the night drop box when all along manager of property was XXXX. Now I had my grandmother 's antiques that had been appraised all family photos jewelry Electronics clothing everything was gone or damaged so badly it could not be used this is ludicrous if they would even say I owe them money when they are responsible for the door missing the apartments for shortly after condemned and leveled no one ever lived in that apartment after me and the apartment was never repaired this is XXXX XXXX attempt to balance their questionable bookkeeping habits I believe so in conclusion I just want this removed from my report so that I can get into a quality XXXX thank you for your time and consideration. God Bless.
Product: Consumer Loan

Received a mailing from a company called Big Picture Loans ( www.bigpictureloans.com ) stating that I was pre-approved for a loan. I applied online, and halted the process - the company is charging in excess of XXXX % interest on their loans. In order to borrow the approved amount of {$550.00}, it would have cost me over {$3000.00} to repay over the course of the year following. Is this legal?
Product: Credit reporting or other personal consumer reports

The right to contest my credit report is something that every XXXX has. In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ), I am exercising this privilege. I understand the nature of these proceedings - it's not just about whether or how much money was owed ( although we will explore both ), but also what kind of debt load can have on your life if they're left unchecked! The report-ability of any derogatory and or delinquent act is oftentimes questionable. I challenge this notion as I do not believe in reporting something unless there's factual documented proof to support it. You must report compliantly and accurately per federal and applicable reporting laws of my state. It is unlawful and unethical to retain any information which you know or should know does not comply with regulations. 
This letter to you serves as a wake-up call to you to ensure that all data with my credit report is factual and in compliance with Metro 2 format reporting standards. I request that you validate with physical ( in writing to me as a response ) verifiable proof of permissible purpose for any of the alleged delinquent/derogatory accounts allegations of inquiry ( ies ) .Thankfully, I'm giving you 30 days to complete your investigation into the validity of this claim. If it's current and compliant with regulations then we'll leave things as they are ; but if not - well... I demand that you remove them from reporting ( my credit report ) immediately.I request that you send me physical documents proving your action ( XXXX ) and my updated personal credit report following any correction ( XXXX ). The following items appear questionable in reporting! Please ensure that each item below is accurate, reporting compliantly, completed and timely being reported or DELETE immediately :
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX 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, 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: Checking or savings account

Requested for them to stop payment on account ending in XXXX. Allowed payment to go through. 

Previously closed a credit card account after paying the bill.
Product: Debt collection

On XX/XX/2024, I engaged in communication with Hunter Warfield regarding an asserted debt they claim I owe. I explicitly requested legal and contractual validation in connection with this matter. The representative communicated that she had responded to the Consumer Financial Protection Bureau ( CFPB ) complaint and furnished all pertinent legal documentation. However, the documents associated with the CFPB case # XXXX XXXX lack any valid signature from either myself or my spouse, and they are identified as electronic signatures ( E-SIGNATURES ) susceptible to being generated by Hunter Warfield.

Hunter Warfield 's personnel persist in sending emails to both myself and my spouse containing generic and misleading documentation, falsely asserting that I owe them funds. I wish to emphasize that I have never engaged in any business dealings with this company. Consequently, I demand an immediate cessation of all further actions affecting credit reporting until Hunter Warfield provides legal documentation, including attachments of a genuine signed contract by either XXXX XXXX or XXXX XXXX. 

This ongoing conduct by Hunter Warfield constitutes a violation of the Fair Debt Collection Practices Act, 15 USC 1692, and includes the provision of misleading representations of a creditor or company. Moreover, the validation of debt has not been appropriately provided. 

I am fully prepared to pursue additional legal avenues if Hunter Warfield persists in bypassing the prescribed legal procedures and fails to adhere to proper protocols.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting a follow-up CFPB Complaint to request the removal and deletion of the fraudulent accounts and information from my Credit File in accordance with the Fair Credit Reporting Act section 605b. On XX/XX/XXXX, I sent a dispute letter along with my personal identifying documents and the FTC report that I received for reporting the fraudulent activities that I found on my Credit File. Through my research, I discovered that I can request an investigation into my Credit File under the protection of the Fair Credit Reporting Act section 605b and request that the Credit Reporting Agencies remove any accounts and information that resulted from the fraudulent activity. Therefore, I request that the Credit Bureaus remove the disputed items from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : - XXXXXXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : - XXXXXXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} EXPERIAN XXXX XXXX  XX/XX/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  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX. In the event that the Credit Bureaus find any documents that may support the claims that the disputed items belong to me, I request that they send me copies. However, if the Credit Bureaus do not find any such documents, I expect immediate deletion of the disputed items from my Credit File.
Product: Credit reporting or other personal consumer reports

I am having issues with my credit report. I noticed multiple TILA violations on my report. I recently spoke with a legal advisor regarding this matter. Please send me the following as PROOF that you did your due diligence in maintaining the accuracy of my report ; notified me 21 days before with a statement, a copy of the creditors payment ledger, As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated.

1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX XXXX XXXX XXXX XXXX Please correct/update this inaccurate information on my credit report. 

2. I didnt receive a statement 21 days before the bill is due and this a billing error under 15 USC 1666b ( 4 ) ( 5 ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please correct/update this inaccurate information on my credit report. 

Here is the law code for reference : 1666 ( b ) billing error ( 4 ) the creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

DO NOT SEND ME NOTHING BACK TRYING TO STALL I AM WHO I SAID I WAS. I HAVE INCLUDED MY ID AND SS NUMBER AND YOU SHOULD BE ABLE TO FIND ME. 
IF YOU SEND A STALL LETTER THIS FURTHER LETS ME KNOW YOU ARE NOT DOING YOUR JOB. I WILL BE KEEPING RECEIPT OF THIS FOR LEGAL PURPOSES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft, and I have submitted my identity theft report. These accounts don't belong to me.
Product: Credit reporting or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions. 15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph, + the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the XXXX consumers and the person making the report ; 22 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am outraged that Experian is using their recent security breach as an opportunity to market credit protection services to me. If they are so sloppy and careless about protecting consumers data, why should I trust them to provide a value added service? Have they already been selling consumers identity information to criminals? Are they planning to compromise the information of the XXXX milliion XXXX consumers who do n't pay the ransom? Please begin an immediate investigation into Experian and prosecute any and all executives involved on criminal activity or conspiracy.
Product: Mortgage

We applied for assistance on our delinquent mortgage. We had a financial hardship. Our file has never had a loan modification. We applied for one and the next thing you know on XX/XX/XXXX we received a letter stating our file was removed from review. We did not get this letter until a few days ago. Apparently our file was missing documents but we were never advised of what documents we needed to send in. We were advised a letter was sent out to us. Due to this pandemic our mail system is extremely slow. The letter never came. We have been having substantial mail issues. We have an adjustable rate loan and know we need a fixed rate. Weve never been given assistance. All were trying to do is save our house and now we have a foreclosure sale date set for Friday. I am sick and I can't imagine being evicted from my home while sick with XXXX. I had XXXX  and my symptoms are severe. I was in the hospital for two weeks and have not fully recovered, I am still on XXXX. The stress of this on top of the medical bills is delaying my recovery. I feel like our file has slipped through the cracks at SLS. We were not properly informed by any reps at SLS of the missing items. No one is giving accurate information and no one is being held accountable for these issues.The inability to relay information to us is inexcusable.They are more interested in foreclosing on our home rather than assisting us. The lack of participation in a meaningful review of my file indicates a preference to profit directly from our hardships. If given the opportunity we can afford the payment.
Product: Debt collection

I recently received a debt collection notice from your office. I requested in writing that you provide documentation confirming this. 
I am writing to you regarding a collection attempt on an alleged debt referenced by account number XXXX in the amount of {$740.00} According to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you are attempting to collect. 
On XX/XX/year>, I sent you a formal request for debt validation via certified mail. To date, I have not received sufficient verification of the alleged debt as required by 15 U.S. Code 1692g. Specifically, you have failed to provide : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 6. My full, complete and correct social security num
ber that may help to identify me as the correct person you are attempting to collect from
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information appearing on my credit report. After reviewing my report, I have identified accounts and a hard inquiry that I believe contain errors. I request an immediate investigation and correction of the following : Disputed Accounts : 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 XXXXXX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ), credit reporting agencies must ensure the accuracy of consumer reports. If these accounts and inquiry can not be verified as 100 % accurate, I request their immediate removal from my credit report in compliance with FCRA Section 1681e ( b ), which mandates that consumer reporting agencies maintain maximum possible accuracy.