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

i am filling a complaint against Cashapp ( 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: Debt collection

On XX/XX/XXXX I received a call from XXXX from XXXX XXXX. She mentioned that a debt was trying to be collected for my spouse. She never really told me where she was calling from but she asked me if I was still employed by my main employer and what I understood about collections. She also proceeded to tell me that my husband told her that he had been fired and was in the heat waiting for the bus. My husband is employed with XXXX jobs and works day and night to support us. She was using intimidating, and deceptive language to collect the debt. Also this debt is supposedly from an apartment complex from XXXX. This was before I had met my spouse.
Product: Student loan

As bad as having my loan balance so far come close to triple what I originally borrowed, its nothing compared to the dismal customer service and complete XXXX XXXX that this company is. I've been told although I borrowed money under the federal loan program that my loans do not qualify for the CARES act or the President 's Executive Order.
Product: Credit reporting or other personal consumer reports

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 CA XXXX Subject : Request to Update Public Records with Phone Number Dear XXXX  Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I tendered a Negotiable Instrument, with instructions to discharge the balance on account number XXXX XXXX, on the XXXX of XXXX. XXXX. The instructions referenced in UCC 3-103 and 3-104 spell out the Requirements for Negotiability. ( 1 ) It must be in writing, ( 2 ) It must be signed by the maker or drawer, ( 3 ) It must be an unconditional promise or order to pay, ( 4 ) It must be for a fixed amount of money, ( 5 ) It must be payable on demand or at a definite time, and ( 6 ) It must be payable to order or bearer, unless it is a check. All Requirements were met. The attached Negotiable Instrument is presented under the authority of House Joint Resolution 192, Public Law 73-10. Precedence ha been set with Spencer vs. Sterling Bank, 63 Cal Ap. 4th 1055 ( 1998 ) and Guaranty Trust Co. of NY vs. Henwood et al, 307 U.S. 247 ( FN3 ) The entire taxing and monetary systems are hereby placed under the U.C.C. by The Federal Tax Lien Act of 1966. The attached Tender and Negotiable Instrument were sent to XXXX XXXX XXXX on XX/XX/XXXX. It was picked up on XX/XX/XXXX as recorded by XXXX XXXX. On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX, confirming that the account will be considered as paid in full, as of XX/XX/XXXX. A copy of account history shows the account being credited with the Negotiable Instrument, and showing a balance of {$0.00}. On XX/XX/XXXX. The payment was credited on XX/XX/XXXX. I received an email, titled You Are all Finished. On XX/XX/XXXX, I received the clear Title for the vehicle, from the Texas Department XXXX XXXX XXXX. On XX/XX/XXXX, I received a NOTICE OF ACCELERATION, AS IF THE Negotiable Instrument just disappeared, all of a sudden, with no explanation. On XX/XX/XXXX, I mailed an Affidavit of Mailing, which included all previous correspondence, a Notice of Default, and an Opportunity to Cure. Silence is Acquiescence, Agreement, and Dishonor. No Response! On XX/XX/XXXX, a NOTICE OF DEFAULT IN DISHONOR was mailed and received, with mention of additional registered mail which was picked up. Still no Response. On XX/XX/XXXX. I mailed XXXX XXXX XXXX a Notice of Dispute ; DEMAND FOR VALIDATION AND PROOF OF CLAIM. There were no challenges. Fraud was committed because XXXX XXXX XXXX reportedly had thirty days to properly validate the alleged debt. They picked this PROOF OF CLAIM up on XX/XX/XXXX, and had until XX/XX/XXXX to validate the debt. Reporting to XXXX, XXXX, and Transunion was a violation of the Fair Credit Reporting Act ; a Violation of the Fair Debt Collection Practices Act ; Defamation of Character ; and a violation of United States Code Title 18 Part 1 Chapter 63 1341 ( Mail Fraud ). The debt was considered to be invalid due to No Proof of Claim within the thirty-day period from XX/XX/XXXX to XX/XX/XXXX. I was impeded by the adverse action of XXXX XXXX XXXX. Punitive damages must be assessed to deter XXXX XXXX XXXX from engaging in this outrageous behavior going forward.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXXXXXX - " This is a violation of 15 U.S. CODE 1666B. Was never late, delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX - XXXX - By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX - FDCPA Section 807 Violation Misleading False Reporting - DELETE!
Product: Credit reporting or other personal consumer reports

Im writing in regards to Transunion reporting false information on my credit report. The account in question is XXXX XXXX with account # XXXX opened on XX/XX/2018 and a balance of {$5500.00}. This account is linked to an address that Ive never lived at. The address is XXXX XXXX XXXX, XXXX, XXXX  XXXX. I have disputed with them multiple times. They recently removed the address but said the account has been verified as mine. How is this possible when this account was opened up with an address that Ive never lived. I have screenshots of my XXXX XXXX report that has my address history that clearly shows there is no record of me living at this address. I would like this account removed account removed immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and register a complaint concerning the recent appearance of new late open accounts on my credit report, as well as the reporting of my XXXX XXXX account as charge off account. These issues are adversely affecting my credit profile and merit immediate attention. I have attached a copy of my credit report for your reference. I have identified new late open accounts on my credit report, which I believe are inaccurately reported. Additionally, I would like to address concerns regarding the reporting of my XXXX XXXX account. It is crucial that my credit report accurately reflects my financial history, and I am deeply troubled by these discrepancies. Please investigate the legitimacy and accuracy of these late open accounts, as they do not align with my financial activities. I request that any inaccuracies be corrected promptly. I believe there may be inaccuracies in the reporting of my XXXX XXXX account. It is essential that the information reported accurately reflects my account status and payment history. I kindly request that you initiate a thorough investigation into these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ). I ask that you : 1.Verify the accuracy and legitimacy of the new late open accounts and rectify any errors. 
2.Review the reporting of my XXXX XXXX account to ensure it aligns with my actual payment history and account status. 
I also request that you provide me with a written response within 30 days of receiving this complaint, detailing the actions taken to address these concerns. If you require any additional documentation or information from me to facilitate your investigation, please do not hesitate to contact me using the phone number or email address provided above. These are the following accounts needs to be corrected : XXXX XXXX Balance Owed : {$2800.00} ; XXXX  XXXX XXXX Balance Owed : {$1100.00}.
Product: Mortgage

As a follow up to complaint # XXXX-XXXX. My case was assigned to XXXX XXXX of the Executive Offices. He is by far the most condescending, and belittling individual I have come across in my entire adult life. He continued to talk down to me, and imply that I was not smart, and that I do not understand the Mortgage process. He kept saying that we need to " agree to disagree. '' When I refused to agree to any of it. He stated the same thing that I had stated when I filled the complaint. which is that the taxes were appraised at XXXX, when the appraised value was XXXX. He doesn't seem to understand that homeowners pay taxes on the appraised value. The same appraisal that Huntington conducted. My question remains, why were the taxes not assessed on the appraised value. He didn't have a response. Asked me to go to my tax department. um, what are they going to do? they are going to tax me on the appraised value that Huntington reported. I am quite versed on Mortgage originations and collections. These are all predatory practices that were used to make the home affordable at closing. Had I known that the taxes were beyond my budget, I would not have closed on the mortgage.

On a final note, Huntington needs to re-evaluate the staff they have on their Executive Response team. Not sure if he though that he could treat me like a 3rd grade individual because I have an accent. May be he is racists towards foreign accents? But the response received is not fitting to represent the Office of the President. When I asked to escalate above him, so that I could complain about his condescending attitude towards me. He stated " we will agree to disagree, this is your responsibility '' and then proceeded to hang up on me. This is completely unacceptable, and a true indication of where Huntington stands with their predatory practices. this report will be taken to the news. XXXX 's full name and phone number of XXXX will be disclosed to them. I require an immediate rectification, and apology for the insulting behavior that I was subjected to. It is mortifying, that after all that we went through with the Mortgage crisis, we are still subjected to individuals such as XXXX XXXX, who essentially represent the President of Huntington Bank.
Product: Payday loan, title loan, personal loan, or advance loan

Affirm stole {$700.00} from me. I was approved for a loan from Affirm and the merchant. Loan has been sitting in processing for over XXXX days. Affirm decided to charge the entire amount of the loan to my bank account which they had no authorization to do. Affirm said it was just a pending charge and would fall off. It cleared my bank account this morning, so now I am out {$700.00} and Affirm is refusing to refund it. Already filed a complaint with the XXXX and my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent the police report, filed disputes on CAPITAL ONE XX/XX/2021 {$800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my identiy stolen in XX/XX/2020. I have contacted Experian about removing the inquiries on my report that I don't reconize or I did not autherize. I sent letters on XX/XX/2020, XX/XX/2020, and XX/XX/2020 and they will not remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and EQUIFAX have violated my rights ( 1 ) 15 U.S.C 1681 section 602A states I have a right to privacy. ( 2 ) 15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction. ( 3 ) 15 U.S.C 1681 c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following item of information any other adverse item of information other than records of conviction of crimes which antedates the report by more than seven years. ( 4 ) 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 know or have reasonable cause to believe that the information is inaccurate. I also have every open and close accounts number on paper if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent a letter to collection agency XXXX XXXX XXXX. They received letter XX/XX/2022, which is stamped on the Certified receipt. I have attached Certified receipt. Requesting full validation of Account # XXXX. I have attached letter I sent over to them. They have violated my rights as a consumer, not once but twice! First they sent me itemized receipt of account listed on my credit reports, their itemized letter clearly says I have a balance due of {$290.00} but on my credit report it is showing a balance of {$320.00}, I have attached a photo of that account showing on my credit file. So they are reporting inaccurate information on my credit reports. Second Violation they never put a " notice of dispute '' after 30 days of receiving my dispute, As you can see on the photo I submitted nothing was ever put under the comment section, they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. As per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ) As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item.
Product: Checking or savings account

after opening my accoutn and funding it with {$2900.00} I tried to withdraw my money, and my account got restricted imediately and skrill is blocking my account. I tried to reach out by calling their number ( they dont pick up the phone ) and by email ( no replies )
Product: Credit reporting, credit repair services, 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 accounts 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 accounts 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. I found that under section 605b ( a ) XXXX and XXXX 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, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

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 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and in 2019 I requested that Equifax block certain information on my credit report in accordance with the FCRA - they complied. However, Now I have a code on my credit file status " Fraud Victim ( associated with trade ) ''. This is not an initial fraud or extended fraud alert. It is something else and I will attach my report to show you. 
This Credit File Status makes it impossible for me to even get a a bank account. My report does not list any normal fraud alerts just this odd status.
Product: Credit reporting, credit repair services, or other personal consumer reports

These bad addresses is a big problem for me, I found addresses that I never lived at on my credit report. My name is XXXX XXXX XXXX please remove any other name from my file it is not accurate. my SS Number is XXXX my date of birth is XXXX. 
Please delete these no good addresses that are not mines : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete these phone numbers not my numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Credit card or prepaid card

I have had my federal Tax refund deposited into another person 's account knowingly by Credit Karma money spending account department on the XXXX XXXX XX/XX/XXXX XXXX in the amount of {$3200.00}. This is the amount that I should have received after XXXX XXXX XXXX withdrew their fees of {$94.00}. XXXX XXXX XXXX, is only a third party in the issue because XXXXXXXX uses them to collect their fees. I have been calling non stop concerning this issue and was told by both the irs and XXXX XXXX XXXX  XXXX that Credit Karma should have rejected the funds and not have sent the money to the wrong account since none of the information matched as far as the name and ssn number. I have been emailing and calling Credit Karma and have proof that this company knows that my refund has went to another person 's account which is fraud on their behalf. I have reached out to Credit Karma customer service by way of email having the issue escalated. I also have had to reach out to the XXXX XXXX XXXX and once again they are apologizing for putting my refund into the wrong account with no resolution from Credit Karma. Now, I have been referred to you all to try and get some help concerning getting {$3200.00}
Product: Credit reporting or other personal consumer reports

FRAUDULENT ACCONTS NOT AUTHORIZED BY ME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I owed XXXX shopping network some money from having their credit card, I was not able to pay after my divorce, they sold my debt to Portfolio Recovery and they began calling XX/XX/2011. Since then they have called me nearly everyday sometimes two to three times a day. They have a bunch of numbers they call from. I have told them by phone, orally to stop calling me over these past two or so years. I also told them in writing twice to stop all contact with me including calling or coming to my home, as up to a year ago they sent someone to my house twice a day. So far, however, they are only still calling now. I know I still owe the debt though it is no longer on my credit report. How can I make them leave me alone. I am XXXX nearly XXXX and I live on meager monies and I want to be left alone now. I now owe more then {$4000.00} due to late fees and interest the company piled on. I do not ever answer their calls. I have considered dropping my phone service though I use it for internet more then because of the phone. I record on paper every time Portfolio Recovery calls and by what number. I also hear from XXXX XXXX and I am not sure if it is the same company. Though they call right after the other.
Product: Student loan

My loan was turned over to FH Cann and Associates when it went into default due to monthly payments of over {$1500.00}. I sent them income information and was told I could consolidate and get back on track. I called to find out what else they needed in the process and was told that it was to late ; they had sent paperwork for garnishment to my employer. They used my income verification paperwork to obtain my employers information. I was not informed ahead of time, although they claim to have mailed notice. I never received it. Although I asked to be set up with a voluntary payment, they stated there was nothing to be done about the garnishment. I was then told that my garnishment would not even be enough to apply to my principal, it does not even cover the interest of my loan of over {$160000.00}. Im afraid that I will be stuck in this never ending cycle of debt for the rest of my life. I did everything I was asked to do, and the information requested that I voluntarily submitted was supposed to be used to help me ; instead it was used to immediately pursue garnishment without my knowledge.