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

XXXX I received an email that looked just like my house closing attorney, I was given an account to wire the money to for my down payment and closing cost of XXXX This was scam email that was some how intercepted during my communications with the attorney office, mortgage company and realtor. The fraudster gave me incorrect wiring instructions using the attorney logo and address quoting the amount needed and where to send. This was a fraud account and now I am out of my money and could not close on my home. I have filed an investigation with my bank, but still no answers. I need help in getting my money back.
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 violates the Customer 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 errors resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable XXXX XXXX data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as XXXX XXXX compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form XXXX XXXX XXXX - Account XXXX My parent has the same name as me. 

XXXX XXXX XXXX - Account XXXX Please remove it from my credit report. 

XXXX XXXX XXXX  - Account XXXX Please remove inaccurate reported late payments and update to paid as agreed XXXX XXXX XXXX - Account XXXX Please Update all payments, all pay was made on time. 

XXXX XXXX - Account XXXX I don't recall having late payment on this account XXXX  - Account XXXX Please remove it from my credit report. 

XXXX  - Account XXXX Please remove from my public record XXXX  - Account XXXX Please remove from my public record XXXX XXXX - Account XXXX This is not mine. 

XXXX - Account XXXX This is not mine. I am a victim of ID Theft and I have included a police report. 
Please investigate and remove it from my credit report. 

XXXX - Account XXXX My parent has the same name as me. 

XXXX - Account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Protections Under the Coronavirus CARES Act Under the CARES Act, if your account is up to date and you make a debt-relief deal with a creditor, that creditor must continue to report the debt as current. If you miss one or more loan, credit card, or mortgage payments because of the coronavirus ( COVID-19 ) pandemic, the creditor can report you as delinquent to the three main credit reporting bureausXXXX, XXXX, and TransUnionand your credit score will take a hit. The CARES Act, which was signed into law on XX/XX/XXXX, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances. ( See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) Under the amended FCRA, if a " furnisher '' makes an accommodation because you were affected by COVID-19 during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments. ( A " furnisher '' is an entity, like a lender or creditor, that provides information relating to consumers to one or more credit reporting agencies for inclusion in a credit report. ) XXXX XXXX XXXX XXXX Last 4 of account # XXXX XX/XX/XXXX ( XXXX, XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX was opened by someone else do to the XXXX  credit breach it found that it was opened do to the XXXX Credit Breach was deleted by XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXnce : {$0.00} XXXX XXXX XXXX  Original Creditor XXXX XXXX XXXX Balance {$1100.00} XXXXXXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Original Creditor XXXXXXXX XXXX XXXX XXXX  Balance : {$9500.00} Bankruptcy XXXX XXXX  XXXX Date Filed XX/XX/2015 Docket Identifier XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Email : XXXX XXXX : XX/XX/XXXX SSN ( last four digits ) : XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX XXXX Date : [ Insert Date ] Subject : Dispute of Closed Auto Account with XXXX Dear CFPB, I am writing to formally dispute the inaccurate reporting of my closed auto loan account with XXXX, as reported by XXXX, Experian, and XXXX. I have maintained that I was never late on this account, and it was closed out positively. However, the records indicate late payments that are inaccurate and damaging to my credit report. 

Account Details : Account Number : XXXX Account Type : Auto Loan Date Opened : XX/XX/XXXX Current Balance : {$11000.00} Payment Status : Current As of XX/XX/XXXX, I have contacted all three credit bureaus regarding this issue but have not received any communication or resolution. Therefore, I am requesting validation of the alleged late payments or correction of my payment history to reflect that all payments were made on time. 

Relevant Laws Supporting My Request : Fair Credit Reporting Act ( FCRA ) : Under the FCRA, I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. The bureaus must investigate and respond within a reasonable time frame. 
Fair Debt Collection Practices Act ( FDCPA ) : This act prohibits debt collectors from using deceptive practices when reporting information about a consumers credit history.

Truth in Lending Act ( TILA ) : Ensures accurate and truthful reporting of credit information to consumers. 
I demand that the incorrect late payments be validated or that my payment history be corrected to show that I have consistently paid on time. This negative information is not only inaccurate but also adversely affects my creditworthiness. 

Please acknowledge receipt of this letter and inform me of the steps being taken to address my dispute. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or XXXX XXXX XXXX XXXXXXXX Balance : {$520.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$520.00} XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Late payment showing on my account. 
No payment has been made late to this account
Product: Credit reporting or other personal consumer reports

Where is the Home Loan Application, Where is the authorization of such charging such card or account, where is the XXXX verification as stated and indicated in such credit card agreement, where is the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2019 XXXX and legal counsel of record name XXXX XXXX  address for effective service of summons and subpoenas, phone number which I as a consumer has the rights to obtain and received upon request? Where are the official and legal records listed and noted in the PROPER RECORDS request for local, state, and federal law enforcement agencies? Failure to produce these items validates FRAUD and this business should be sued in any court of law where jurisdiction is appropriate. 

I want ALL THE OFFICIAL AND LEGAL RECORDS from the list of records attached as well as the disclosure statement of records saying that such credit card company has the right to request any consumer to consent to signing such Form XXXX and the completed and legally signed off form called XXXX XXXX XXXX XXXX XXXX XX/XX/2019 XXXX. I want the official and legal charge to what or for what in the amount of such debt of {$500.00} from the Discover Home Loan Department. I want the Discover Home Loan Application showing my signature of record to charge such and to support such a written statement by this financial institution. 

All official and legal records must be under a sworn affidavit and No Exceptions. 

Please provide all detailed reports you have collected and gathered from the attached list requested from your business or office. 

I don't owe this business anything, this business now owes me. 

This is filler-busting and shaming the process. 

This financial institution will be sued in court and will be held liable for all court costs and fees and full restitution of damages caused and presented in this illegal response and filing before the Consumer Financial Protection Bureau and the acts and actions they have caused by unethical reporting the credit bureaus in the official and legal records will be attached and presented in a court of law.
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding Late Payment Entries on Credit Report To who it may concern, I am writing to address a significant issue concerning my credit report, which indicates late payment on my account with your company. This reported late payment is negatively impacting my credit score and affecting my ability to obtain new credit. 

The credit report reflects late payments on XX/XX/year>. 
XXXX XXXX XXXXXXXX XXXX I believe there may be inaccuracies in these records. It is crucial that your company complies with legal requirements to ensure the accuracy of reported information. This includes correctly sending statements and bills to my current address, processing address changes promptly, and recording payments accurately and on time.
Product: Debt collection

I noticed this debt XXXX had been placed on my credit report. I am disputing the above referenced debt because I have no knowledge of this. Please verify this debt as required by the Fair Debt Collection Practices and regulations require all debt collectors to send specific written documentation verifying that I am the owner of the debt. 

Verification requires all of the following : Proof that this Account belongs to me. 
Proof that I was contacted in writing of this debt Proof of my agreement to pay the original creditor A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and the basis for each charge. 

I dispute this charge because I do not recognize this debt and I do not owe any money to this creditor. I monitor my report monthly and I have become a responsible consumer and this is an unfamiliar debt to me. If it were indeed valid it would have been paid. Moreover, this debt appears to be past the Statute of Limitations. 

Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDPCA and their Fair Credit Reporting Act.
Product: Checking or savings account

I am an international student currently pursuing my graduate studies in the United States. My bank account is primarily used for paying tuition, rent, utilities, daily expenses, and occasional transfers with friends. I have always followed the law and complied with all regulations. However, my bank account was forcibly closed in XXXX. I reached out to multiple representatives, but the only response I received was that no explanation would be provided, and they decided to terminate their cooperation with me after XXXX XXXX. I do not understand why this happened.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

This week I received the attached email, and also a text, stating that my Visa Credit Card ( XXXX ) had been attached to Google Pay. I never asked for this and I went through the various representatives to discuss and they all said this was an error, but I don't trust that some organization isn't doing something that violates financial regulations. 

To be clear I don't have and never had a Google Pay Wallet account and I don't have a Google account under my email XXXX to which this email was sent. I spoke to the following organizations and they have all stated this was a mistaken email and my account has not been attached to Google Pay. But I still don't trust this. I want to know why this was sent out and what is actually going on behind the scene because I don't trust that they are following privacy and financial regulations. 

XXXX - XXXX Visa - XXXX XXXX - Transferred by Visa, don't have their number Google Pay - I couldn't find a number for them Thanks much. 

XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In XX/XX/2023 I contacted my mortgage company and requested a loan modification. In XXXX I received a client action plan which I signed and sent back. The action plan was dated XX/XX/2023. And stated that I needed to send a payment of XXXX XXXX of 2023. I mailed a pre authorized check with that amount. Mid XXXX I was served with papers for foreclosure. I spoke to my loan officer on XX/XX/XXXX. She said the loan modification was not approved and was sent to me instead of a different lender. Although it had my loan number and my information on it. She said she was going to request a partial claim to the loss mitigation department and to call the following week. I received a letter from that department dated XX/XX/XXXX, the day before I even spoke to her, and the envelope was postmarked XX/XX/XXXX. Which makes no sense. I spoke to her again XX/XX/XXXX and was told I dont qualify for a modification because the payment would be to high, and then sent me an email the next day my option is a reimbursement of the loan and I have to pay {$27000.00} in 2 weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX credit card Account # 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 In accordance with the Fair Credit Reporting act XXXX XXXX  Account # 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Bank Account # 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
Product: Debt collection

LVNV FUNDING LLC XX/XX/year> {$1400.00} I have never opened an account with this company. I have disputed numerous of time and they wont remove it. I wont being paying this due to not being the owner of this account and it being a fraudulently open by this credit company.
Product: Money transfer, virtual currency, or money service

My money was stolen Breach Of Contract.Capital 1
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVED some of the information in my file that resulted from an incorrect credit report information 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 XXXX. Ive already included this issue in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Please note that you have 4 business days to remove the reporting of any ITEM in my credit file that resulted from an incorrect credit report information. I do not consent to E-OSCAR or any means of automated verification. I acknowledge your immediate attention to this matter and response within 4 business days : 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 -Equifax 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 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: Money transfer, virtual currency, or money service

On XX/XX/year>, I attempted to wire {$28000.00} to XXXX XXXX XXXX XXXX, from the XXXX XXXX XXXX. They emailed me and told me to wire the money to the account number of XXXX and the routing number of XXXX. 

About two hours later, before I had gone to the XXXX XXXX XXXXXXXX in order to wire the money to that account number and routing number, I received another email from the email account of XXXX XXXX saying to disregard the previous email and that account and routing number were no longer working and I should instead wire the money to account number XXXX with a routing number of XXXX. 

XXXX XXXX says they never received the money.
Product: Debt collection

My previous complaint XXXX was closed as they stated : " We are holding this account for no report until our client has responded to our request for reinvestigation. No credit reporting will occur unless and until our client can respond affirmatively. '' The account was never removed from my credit as stated, and now the account went from {$300.00} to {$1000.00}. The company has not contacted me in any way they are just reporting a higher amount due.