23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint regarding my personal consumer account with XXXX XXXX. 

I was in talks with XXXX regarding my account, as it went out of service due to none payment. As agreed, the account balance was supposed to be transferred over to my business account, XXXX, XXXX, with the balance paid off on a monthly basis along with my current plan. I am making this complaint, additionally because of the fact that it is stated that I owe a total balance remaining of {$2900.00}. After a year+ of payments made towards my devices : XXXX XXXX XXXX * {$1200.00} ( 30 months ) * {$770.00} remaining XXXX XXXX XXXX XXXX * Device payment XXXX of XXXX ( $ XXXX ) * {$830.00} remaining XXXX XXXX XXXX XXXX * Device payment XXXX of XXXX ( $ XXXX ) * {$670.00} remaining The payment agreement was agreed upon as a buy one device, get one for free for the XXXX. 
In total, the said amount owed is actually at {$2200.00} However, with the buy one get one, the amount owed to XXXX is actually {$1600.00}. 

I am making a complain on misleading and deceptive practices in which I took responsible measures in order to ensure the integrity of my account and maintaining the trust I had with XXXX to continue paying the balances by agreement between myself and XXXX to transfer the balance over to my business account. 

At this point, I expect the balance to be nullified or to have the balance reversed, the collection item deleted immediately off my Experian and XXXX reports, and to transfer the balance immediately over to my business account as agreed upon. 

XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to have unverified information deleted from my credit report from XXXX   and Experian. According to the FCRA if the information disputed is not verified its supposed to be deleted. I wrote a letter to the court asking if they provide information to the credit bureaus and they wrote back saying they do not provide information to the credit bureaus. How do you verify without providing proof? Please advise.
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 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 ( 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 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, 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 : # XXXXXXXX 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 XXXXXXXX 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

I appreciate your time to REMOVED some of the items in my file that resulted from an erroneous credit report entry but I have an ITEMS left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & FTC, and I am including it again with a new FTC. Ive informed my attorney of my intentions & they are XXXX to hold you accountable in case of your willful noncompliance : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX Balance Owed : {$140.00} XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX AUTO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$140.00} XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX =========XXXX : XXXX XXXX XXXX, AZ XXXX XXXX XXXXXXXX XXXX Balance Owed : {$140.00} XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX AUTO XX/XX/XXXX. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an erroneous credit report entry. I do not consent to XXXX or any means of automated verification. I acknowledge your immediate attention to this matter and response within 4 business days.
Product: Bank account or service

On XX/XX/XXXX, my husband withdrew our entire balance of {$350.00} in person at the XXXX, Ma. Bank of America and instructed the teller to close the account. The following month we noticed a {$5.00} service fee and contacted Bank of America via chat online. The person said they would close the account and reverse the fee. The following day it appears they reinstated another fee followed by XXXX in XX/XX/XXXX and XX/XX/XXXX. My conversation this evening with a Bank of America rep over the phone left me with no results to close this account and stop the fees. At that point I did inform them that I was filing this report and intent to visit the branch and have no intention of paying fees on a XXXX balance account that they were instructed in person at the time of withdrawal to close.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the following accounts because believe they were reporting in error. 

XXXX XXXX XXXX XXXXXXXX Balance : {$15.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$660.00}
Product: Debt collection

XXXX XXXX XXXX # XXXX has been attempting to collect a debt that I have requested several times to be verified due to the being unaware of where this is originating from. I have not received any mailed documents per my request and this is in violation of my consumer rights to confirm the debt.
Product: Debt collection

Employed by XXXX XXXX to collect a ( false ) debt, these folks have managed to show a complete disregard for both my livelihood and my XXXX  from both XXXX  and a XXXX XXXX, not to mention the IRS 's pursuit of me for back taxes. In sum : * Their representative lied to me -- on a recorded line -- that they'd been attempting to reply to a settlement offer I've given in good faith -- my XXXX bonus earned from a job I'd had for less than 6 months * My repeated requests to confirm the date of the hearing went answered -- despite my pleas to confirm the date so I could request time off -- -and SUDDENLY, today, I'm told that I need to be on a XXXX  meeting. Giving me NO TIME to request time off * My XXXX  XXXX  is noted on the case. 

A simple email telling me the confirmation date would have sufficed, kindness and respect as well as fairness is a part of debt collection, is it not? Yet, tomorrow I am forced to take a day off work since no one bothered to confirm for me the date. This threatens my job since I've been there for less than a year. Unkind. Abusive.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the new law effective XXXX XXXX 2017 any public record data must include name and address as well as as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report
Product: Mortgage

My mortgage processor allows one-time on-line mortgage payments. However, they do not allow you to enter the effective date of the payment. The effective date can only be the date that you enter the payment. For example, if I enter the one-time payment on the XXXX of the month, they will withdraw the payment on that date rather than the XXXX of the next month when my payment is due or any other date that I select. 

I believe this is an unfair business practice because : ( 1 ) if you enter payment any day before the due date they are getting early payment, which is a financial advantage to them, ( 2 ) it increases the risk to the consumer that if you wait until the due date to enter the payment but forget and they reap the benefit of the late fees, ( 3 ) it unfairly incentivizes the consumer to sign up the for the automatic monthly payments so you can pay on the due date but not forget to pay. 

Every other business where I use on-line payments has the feature that allows you to set the effective date of the payment ( e.g., credit cards, utility companies ). The mortgage processor is intentionally and unfairly implementing this to manipulate consumers.
Product: Mortgage

I have called numerous times and emailed FAY Servicing. They have given me the run around and can not give me an explanation as to why my mortgage increased by {$610.00} a month since they took over. My taxes and insurance have not gone up. I have tirelessly called and requested to speak with a supervisor and I am ignored. I have proof of various emails and have been also ignored. This has been going on for more than two billing cycles. I have pleaded with anyone that picks up the phone for a resolution and NOTHING has happened. To whom ever is reading please help. You can XXXX  FAY Servicing and their reviews, as many of their clients are going through the same situation. This is so unprofessional, not sure how a company is ran this way. I am eagerly ready to show proof of all emails showing communication and lack thereof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to positively verify the accounts and has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed..CFPB remove the accounts listed XXXX XXXX XXXX XXXX, XXXX  ( ORIGINAL CREDITOR : XXXX  XXXX XXXX
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, 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 leave my account vulnerable and unprecedented. Furthermore their deceptive as they did not comply with errors resolution requirements under the electronic fund transfer act ( efte ) and regulation E these actions have caused significant inconvenience and financial loss and I seek appropriate redress
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I contacted Equifax in regards to an account namely : XXXX XXXX XXXX XXXX XXXX, which appears on my credit file. This is NOT my account and I have made several attempts to have this item block from my credit profile. 

I have suppressed my personal information with XXXX XXXX and I have corresponded with the circuit court of XXXX county, AL which indicated in a letter to me that they do not report information to the credit bureaus.
Product: Money transfer, virtual currency, or money service

On XX/XX/19, my tax refund was sent to cash app account and deposited in the amount of {$11000.00}. Once the funds was made available in the cash app screen, I made one transaction to move {$51.00} from my cash app account to another cash app acount. It was accepted but customer could not use the funds applied. Then I moved tried to send money again and my card was disabled right after the first withdrawal was made. The next day XX/XX/19, my payroll check in the amount of {$370.00} was deposited and company stated that wouldn't be able to receive or send deposit because account was closed. I have been emailing customer support since XX/XX/19 and got a response from them on XX/XX/19 just confirming to me that the account was closed and I needed to contact my tax preparer to get funds recalled on their end. I reached out to tax preparer and the bank that issued the tax refund and they said that cash app had to reject the funds in order for a check to be reissued. Since cash app allowed the funds to deposited into the account and it shows up on the account its nothing they can do until the funds are rejected. I have filed a claim with IRS tax preparer bank, XXXX and now you all. You can only email customer support can't talk to anyone directly but XXXX is the representative who I have had correspondence with.
Product: Debt collection

I have disputed 2 inaccurate reportings on my credit report currently in collections multiple times. ( 8 times ) since XXXX. It was taken off on my last dispute back in XXXX of XXXX, then placed back on my credit report. I have not only disputed online with XXXX XXXX and with each bureau individually, and by phone several times but also written letters to all 3 credit bureaus asking them to please furnish proof with my signature of a contract that this is my debt owed to them. instead, they sent me a credit card statement with no contract or signature stating it is indeed my debt. The two debts in collections are with
Portfolio Recovery, 1 for {$980.00} and the other for {$410.00}.

The two that are being disputed are not even reported accurately amongst all 3 bureaus. According to XXXX, I do not owe any debt, and according to XXXX and XXXX I owe this debt. Also, XXXX took off the debt during my last dispute in XXXX and then placed it back on my credit report.
Product: Debt collection

XXXX was reported owed to XXXX XXXX which I have no idea who or what that is
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$7500.00}
Product: Credit reporting or other personal consumer reports

This is a request to remove all late payments from the account # XXXX. During these times, I was going through a tough time mentally, financially and socially due to the state of emergency around the world. I have now recovered and am on track with the terms per our Agreement.
Product: Debt collection

This is not my debt and I have never spoken to anyone regarding this debt being owed. Please provide proof with my signature that this is my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 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 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 XXXXXXXX, 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

We had taken a loan for a XXXX issue at XXXX office for treatment. At the time of opening the account, no information was provided with regard to the account number, monthly payment amount due etc. And we also didnt receive any information via mail. 

By them the first mail arrived, a late fee had already been assessed, we tried reaching out to the bank but they refuse to accept their mistake. I strongly believe that no party is at fault here but myself as the consumer is facing a remark on the credit report. They are using their undue influence to affect my life negatively.
Product: Debt collection

This is the second time a collections agency has contacted me regarding an outstanding account at an address that I do not and have never lived at. On XX/XX/2021 I received an email from Synchrony Bank ( Merchant : XXXX ) with a creditory of XXXX XXXXXXXX XXXX, XXXX for the total of {$400.00}. The address on the account is XXXX XXXX XXXX. XXXX XXXX, Virginia XXXX. I have an ongoing investigation with XXXX XXXX Sheriffs Department ( Deputy XXXX ) of another attempt to collect debt. I have never lived at this address and have no knowledge of any purchases made at this account except for the notification from the collections agency.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX XX/XX/XXXX Equifax Information Service LLC XXXX XXXX XXXX XXXX, Ga XXXX Subject : Dispute of Unauthorized Hard Inquiry Dear Sir/Madam, I am writing to formally dispute a hard inquiry listed on my credit report that I believe to be unauthorized. The inquiry was made by Car For You XXXX on XX/XX/XXXX and I did not give my consent for this inquiry. According to the Fair Credit Reporting Act ( FCRA ), only creditors with whom I have applied for credit, insurance, or a loan may perform a hard inquiry on my credit report. I do not recognize this inquiry and believe it may have been made in error, or possibly due to fraud. I request that you investigate this matter, remove the hard inquiry from my credit report, and provide written confirmation of the removal. Please also inform me of the results of your investigation within 30 days, as required by law. Enclosed are any documents or information I have that may assist in resolving this issue. If you need further information, please feel free to contact me at the number or email listed above. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfers

On XXXX XXXX, 2015 I made a trade for virtual currency in the ammount of {$90.00} XXXX from my XXXX ) to XXXX XXXX XXXX I received confirmation emails from XXXX parties telling me that my funds had been successfully sent from XXXX and received XXXX. Within less than XXXX hours I found several rewiews about XXXX warning people that this site was a SCAM! I imediately contacted Skrill and explained to them the situation. I received an email confirmation that they had received my inquiry and would take care of it as soon as possible. I also contacted XXXX several times and received NO respose. 

It has now been XXXX week and I have heard NOTHING else from XXXX or XXXX. I sent a follow up email to XXXX today XXXX XXXX XXXX, 2015 ) in regard to to same inquiry. 

What can be done about the {$90.00} XXXX that have lost? 
Thank you
Product: Mortgage

My escrow account is currently being overpaid due to XXXX exemption being applied to my mortgage account. My payment has gone from {$2900.00} to {$3200.00} due to a shortage based on an XXXX XXXXXXXX yearly property tax amount. My current tax bill is {$7900.00} vs the projected {$10000.00} projected by Cardinal. They have denied my escrow analysis due to it being 60 days out which would require me to keep overpaying my escrow and not receive the overage from my escrow account.
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 XXXX XXXX  Date of inquiry : XX/XX/year> XXXX XXXX  Account Number : XXXX