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 indaquate customer service and unfair practices which violates 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

I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card and social security card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so I'm asking for your assistance. Thanks again
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts and inquiries appearing on my credit report. 1. XXXX {$10000.00} 2 XXXX {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with XXXX & XXXX about the old address XXXX XXXX XXXX in XXXXXXXX XXXX  and the old other address that I clearly ask them to remove! They fail to remove all the old address I currently not there no more they are keeping the current! The only address Im currently at and I have residential there is XXXX XXXX XXXX XXXX XXXX in XXXX NJ. When I dispute theses accusation they fail to remove all the address they told me it would take 24 to 48 hours for them to remove them! Im going to file a lawsuit again them for wrongful inaccuracies on my credit report today. Im a victim here and this needs to be investigate soon as possible, when you do show them proof they discard your evidence of proof that you sent to them. This is totally not fair to any consumer who are not being protected by the law of the consumer right. I have the right to dispute and if anything thing looks too suspicious I have the right to dispute it with evidence of proof!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been writing letters to this comp any for more than two ye ars. I 've made several request for this company to investigate, re-investigate, requested copies of their INVESTIGATION PROCEDURES, including but not limited to how they did their investigation and copies of documents used in their investigation to determine the accuracy and validity of each account information they reported. I questioned how they STORE FILES as FCRA clearly stipulates that these FILES must be sent to consumers upon request and these files are to be stored by the bureaus whether physical or electronically. I also question why the agreement between the bureaus and Attorney General  XXXX   XXXX  are still not in place even   though TWO YEARS has already passed.
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Alll I received from this company is an obvious computer generated generic response letters. Nothing done by a real human. no files docum  ents. Nothing at all.
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX XXXX was never late! I have had exceptional payment history with XXXX, XXXX XXXX and all payments were placed on Autopay. 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 the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my XXXX, my XXXX, my XXXX XXXX XXXX and to my XXXX! 

I demand the late payment reported in months that are reported late to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX 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! 

XXXX5 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 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: Checking or savings account

My account with bank of America was compromised and I did not get my money resolved from this Bank
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX Bank Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Account number : XXXX NAME : XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 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.

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


XXXX Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Money transfer, virtual currency, or money service

I have the wrong amount showing on one site verses what is being shown on my account.
Product: Checking or savings account

The XXXX loan was deposited into my checking account and capital one froze the account it has been 45 days now
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  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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: Credit reporting or other personal consumer reports

I worked very hard to get my credit score to a XXXX only to have the same company constantly give derogatory marks on my report to wheee my score is now down to XXXX. 
I have repeatedly let this company know that the account is not my account but it was reopened by my sister who is now deceased. My sister used my name and social security number to apply for numerous credit account which lead to hard pulls and inquiries destroying my credit. This company has made no effort to look into this situation at all. I have disputed it with XXXX XXXX several times to no avail. XXXX XXXX is the account owner and before death had a ID with her face on it and my name and I am guessing this is how she was able to obtain credit in my name. The company is XXXX XXXX XXXX XXXX XXXX  and the collection company is NCA National credit adjusters. The account was opened in XXXX  and they are reporting a different date and Im not sure weather this is a loan or a credit card bc it is not my account and this company does not care about that. They keep reporting it on my credit when it should be reported on XXXX XXXX credit report. I have reports that are different with the 3 bureaus but its the same NCA company and XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I owed a debt to XXXX XXXX XXXX, it was turned over to XXXX   Account # XXXX they turned it over to an attorney XXXX XXXX XXXX XXXX. I was serverd a summons for court. I contacted the law firm and settled the original amount of XXXX for XXXX. I paid the amount in full on XX/XX/XXXX my confimation # XXXX. Since then I have contacted XXXX and this XXXX XXXX XXXX XXXX at least 12 to 15 times with messages on transfers with no answers or resoulution. Please feel free to contact me anytime at XXXX. I feel this is wrong in so many was that you pay a debt yet they give you the run around for weeks at a time with absolutely no answers on how to resolve this, Thank you. XXXX XXXX
Product: Credit card or prepaid card

Dear Sir or Madame, My name is XXXX XXXX, and I am an American citizen who lives in XXXX, XXXX. I have a bank account and credit card with Bank of America. 
This past XXXX, there were false credit charges on my credit card to places in the United States. Obviously, I could n't have been been in these places to make the charges. I contacted my bank, and had to close the credit card. Because of security, I had a new credit card brought to me by hand, and it had been specifically sealed in a way that nobody could have used the new credit card. When I got the new credit card in mid-XX/XX/XXXX, there were already charges on it. It was for a video place called XXXX for {$130.00} from XXXX XXXX, XXXX. I do not live in the States, so I could not have been renting videos. I contacted the XXXX XXXX company, and they could not find this charge, could not match the transaction number to me, and said they did not have an account for me. I contacted the credit card, and they said they would do an investigation into this fraud, and would not require shutting down my credit card, which I feel is a necessity for emergencies here. 
Recently, I got a letter from Bank of America requesting me to sign a statement that I had never authorized the charge, and that I needed to close my account in order to continue the dispute. This was XXXX XXXX, XXXX. In the letter, they said that if they did n't receive the letter back on XXXX XXXX, the same day they had dated their own letter, that they would close the investigation. I signed it, and sent it in, with some hope that they might recognize the error. 
Unfortunately, now I am being billed with the fraudulent charges, and the bank has not done any research into the smallest facts : I do n't live in the country, I did n't have the credit card at the time the charges were made, I never made an account with XXXX, which seem like part of a prior spree of fraudulent credit card charges.
Product: Debt or credit management

Ive checked my credit report and there two inquirys that were not made by me and shouldnt be listed on my report as it is not legal to do that! The inquires are XXXX XXXX XXXX XXXX  ) and XXXX XXXX
Product: Checking or savings account

Been A SoFi Member Since 2021. This bank has operated with such unprofessionalism and fraud. My bank account was locked randomly after I made a dispute. ( My dispute returned in my favor for both ) I was told my account was being closed due to making a dispute. When my account locked I had XXXX in my account ( my paycheck was scheduled to clear the balance before my account was locked ) My account has been locked for more than 60 days. Meaning I could not withdraw or deposit. I get an email today that my account was closed due to a negative balance and its being reported to collections. My issue is my account at the time of closure had {$160.00} on it and they have to send me a check for my remaining balance. SoFi locked my account for months for no reason then closed it due to their mistake of locking my account due to a negative balance I could not clear while it was locked. I went through months of contact. The only reason they responded was because of my CFPB complaint and my OCC Complaint. They claim I violated customer agreement thats why my account was locked and will be closed, but because they couldnt find any evidence of that claim. My account was closed due to the negative balance sofi created not due to violating any terms. The biggest issue is Sofi attempted to put the negative balance on my credit report but I dont have a negative balance at the time of account closure. I would like to fight this legally and will be making a class action. SoFi constructed a narrative to me for months about why my account was locked just to close it for a Negative balance that could not be cleared with a locked account. SOFI is a scam bank but will be a vital part of the recent investigation into this scam systems preventing hardworking peoples access to their money. SOFI claims they sent a check to my address for my remaining balance. I cant believe anything SOFI says.
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( XXXX ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of XXXX XXXX ss XXXX Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : Information Referral AND IRS form XXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Product: Credit card

I had an XXXX XXXX Credit Card. I was advised timely that the card will no longer be active due to the bank no longer supporting the credit card. On XX/XX/23, I paid my card balance of {$2200.00}. At that time, I was notified that my card was closed ( however, I was advised it was closed in XXXX ). I shredded my card and cancelled the ebill ( I received billing statements online through my bank ). 

I received an email on XX/XX/23 advising me that I had a past due balance, however, I did not receive a bill or any type of notification prior to that date so I couldn't have known there was still a balance ( at that time it was around {$11.00} ). The bill was for {$24.00}. However, I was advised that my balance to pay the card in full was now {$26.00}. So I was charged {$13.00} for finance charges as well as a late fee. After speaking with a Supervisor at XXXX, I was advised that she couldn't waive anything since the card had been closed stating she could not override the system. Funny, the " system '' was still able to charge me a finance fee and late charge. 

I always paid my bill on time and paid the entire balance off with no mention that there could still be finance charges. I have paid the balance of {$26.00} so my credit will not be affected. 

I know {$26.00} is not a lot but it is the principal of the matter. How can you charge a finance fee on a zero balance and not send a billing notice until it's showing as past due, and then charge a late fee on top of that?
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 


XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XXXX XX/XX/XXXX {$630.00} XXXX  XXXX {$640.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$420.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$490.00} XXXX XXXX XXXX {$420.00} XX/XX/XXXX XXXX  XXXX XX/XX/XXXX {$1700.00} XXXX XXXXXXXX XXXX XX/XX/XXXX {$1500.00} XXXX XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been XXXX since XXXX of XXXX and filed a forbearance request with my mortgage lender, Royal Pacific Funding. I received a letter from the lender dated XX/XX/XXXX detailing my temporary hardship forbearance plan. I followed up with a phone call in order to confirm the information in the letter. The representative from the processing company, XXXX, confirmed that the plan was approved and no payment was due until XX/XX/XXXX. I was told I would be contacted to discuss re-payment options at the appropriate time. 

On XX/XX/XXXX, I had not received any communication from the lender so I called to get a status on my loan. I was told that the loan had been transferred to another servicer, XXXX, and the paperwork had not been fully transferred over to the new servicer so they would be in contact. In XXXX I began receiving letters that my payment was late so I called back to find out why I was receiving the notice. I was assured that it was sent in error and not to worry as it would not affect my credit. 

In the ensuing weeks, I called repeatedly, ( no less than 10 times ), and was given the same explanation and the notices continued, including a notice that the load was not in default. Last week, I received a notice from the credit bureau that my score had dropped 38 points because of this issue. I contacted the lender and was told they would correct the issue on call me back on Wednesday, XX/XX/XXXX. 

I have yet to receive a call back and the issue has not been resolved. This company, Royal Pacific Funding, has been completely negligent in how they have handled my account and have completely ruined my credit in the process. 

Your assistance is greatly appreciated.
Product: Student loan

I sent them proof of my income and now they are saying that I underpaid by {$2900.00} in the last year and are now trying to to say I owe all of that plus my usual monthly payment on the XXXX. I did the math and there is no way I underpaid by that much. I have called Launch Servicing 3 times, and talked to 3 different people in the past day. Nobody is willing to help. I have tried to explain my situation, how I did the math and how it didn't add up, but they could care less. They are acting like they could never make a mistake and I'm crazy for saying that it is not adding up at all. They refuse to tell me where they got that number from. The only thing I have gotten any of them to say about it is why one of the people I talked to " feels '' about why I am getting charged that much.