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 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 m 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 redres for these violations.
Product: Money transfer, virtual currency, or money service

Cash app been letting unauthorized transactions happen in my account & when I called to dispute it they told me its nothing they can do about it
Product: Credit reporting, credit repair services, or other personal consumer reports

No one has assisted me in filling out this form. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I am writing to file a complaint against Credit Management LP, a debt collection agency that is trying to collect money from me that I do not owe. Credit Management LP is swindling me right now. I do not know this company and I am not under contract with Credit Management LP. Credit Management LP showed up on my XXXX credit report saying I owed a {$630.00} debt in XX/XX/XXXX. This is a clear violation of the Fair Debt Collection Practices Act and I demand that they cease and desist from any further attempts to contact me or report this debt to any credit bureaus. 

The debt in question is related to an equipment rental from XXXX. I returned the equipment to XXXX and have the original receipt from XXXX as proof. The Pandemic was very prevalent in XXXX. The company employee was delayed in picking up the equipment due to the Pandemic. The bill was paid and all that was needed was to turn in the equipment. XXXX wrote off the amount. I do not owe Credit Management LP anything. 

This is causing me a lot of stress and XXXX, as well as damaging my credit score and reputation. Therefore, in addition to filing this complaint I also filed with the XXXX. I am requesting your intervention to stop this abusive and fraudulent behavior. 

Please investigate this matter and take proper action against Credit Management XXXX. I also ask that Credit Management LP remove this debt from my credit report. Please let me know of the outcome of your investigation.
Product: Money transfer, virtual currency, or money service

Hi, More than once this company has charged me express transfer fees but never send my transfer with 24 hours. I end up having to edit the delivery method after 24 hours of waiting.

I asked for a solution to this recurring issue, but they tell me to wait another 24-48 hours to request a refund to edit my transfer. 
The false advertising is misleading and has increased the emergence expenses I was avoiding with this transfer. Its unfair! 
Thank you. 

XXXX XXXX
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 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. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Transunion fails to remove the XXXX account. Transunion reports incorrectly that this account is paid monthly. Transunion reports incorrectly this medical account is an open account. Transunion reports incorrectly the date of first delinquency. Transunion fails to verify the authenticity of this account. Transunion continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request the removal of inaccurate late payments reported by XXXX XXXX  for the months of XXXX, XXXX, and XX/XX/year> from my credit report. These late payments are having a significant negative impact on my credit score, and I believe they are not accurately reflecting my financial situation during that period due to extraordinary circumstances brought on by the COVID-19 pandemic.

During the specified period, I faced severe financial hardship caused by the pandemic, which temporarily affected my ability to make payments on time. Under Section 4021 of the CARES Act, consumers like myself, who entered into any form of relief agreement with their creditors, such as deferments or forbearances due to COVID-19, should have had their accounts reported as " current '' on their credit reports, provided they were complying with the terms of such agreements. 
Despite this legal protection, XXXX XXXX  continued to report these payments as late, which I believe is an error in the handling of my information. The continued presence of these late payments on my credit report is unjustly damaging my credit score, resulting in higher interest rates, reduced access to credit, and additional financial difficulties.

According to the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) ), credit reporting agencies and information providers are required to ensure the accuracy and completeness of the information they report. Furthermore, the FCRA, along with 15 USC 1666 ( b ) and 1637 ( b ) of Title 15, protects consumers by requiring the correction of any errors or inaccuracies. 
I have already disputed this information directly with the credit bureaus, but the late payments remain on my credit report. Therefore, I am seeking the assistance of the CFPB to intervene and ensure that these late payments are removed in accordance with the legal protections provided by the CARES Act and the FCRA. 
Please find attached copies of the letter sent to the credit bureau with my credit report highlighting the disputed late payments, as well as any relevant supporting documentation. I respectfully request that the CFPB assist in the removal of these inaccurate late payments from my credit report to restore the accuracy of my credit history.
Product: Debt collection

Mr. Cooper Mortgage keeps calling my wife repeatedly after being told to stop. They leave no message and our mortgage is currently in good standing. These are the times and dates that they have called in the last week : XX/XX/2021 at XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. 

XX/XX/2021 at XXXX XXXX. 

XX/XX/2021 at XXXX XXXX and XXXX XXXX. 

XX/XX/2021 at XXXX XXXX. 

All times are Mountain Daylight Time.
Product: Debt collection

Keep getting calls from Jefferson capital. I pwe nothing to them and never done any business with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

while login on to my credit monitoring site I notice a few accounts on my report that does not belong to me I would like for these fraudulent accounts removed asap these accounts or on my XXXX, XXXX, and my XXXX as well 1.XXXX  XXXX  {$31000.00} date open XX/XX/XXXX 2.XXXX  XXXX  XXXX  XXXX   {$2100.00} date open XX/XX/XXXX 3. XXXX  XXXX  XXXX {$910.00} date open XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$730.00} XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/year>
Product: Debt collection

I departed a rental unit early and was guaranteed that if the unit was filled within 7 days no penalty would be incurred. The unit was rented in 5 days and the penalty amount was removed. This occurred in XXXX XXXX XXXX. Nearly 3 years later I began receiving collection notices from a collection agency for this cleared debt. Its been over 3 years since this issue was resolved and, furthermore, the statute of limitations for MD ( 3 years ) has passed. Neither the collection agency or original debtor, XXXX XXXX XXXX, XXXX, were able to provide proof 3 years later that the debt is still valid. Since so much time has passed I no longer have any documentation regarding this matter.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.

I am attaching all the documentation that was submitted to all 3 bureaus ... ..none of the items were investigated or blocked and removed within the 4 day window to block and or remove per the Identity Theft Affidavit submitted or the 30 days allowed to investigate and therefore all the items listed in the attached documents by law should be deleted immediately.
Product: Mortgage

Property was purchased in XX/XX/XXXX for {$230000.00}. Assessment value of {$230000.00} at time of purchase. Loan was for a 30-year fixed at 95 %. Accelerated payments were made to the loan to achieve over 20 % accelerated equity in just over 1 year. 

The loan states it will remove the monthly PMI on XX/XX/XXXX unless the " the principal balance actually reaches 80 % of the original value of the property '' and four conditions are satisfied : I feel the bank and I agree that first 3 points are met, the four data point : " we receive, if requested and at your expense, evidence satisfactory to the holder of your loan that the value of the property has not declined below its original value, and certification that there are no subordinate liens on the property. '' I kept asking why is the bank requesting a BPO or assessment and they have not been able to respond to this question after multiple requests. The bank responded with it is required per the contract. However, it is not required, it is " if requested '' It has only been about a year. Why is it requested? The XXXX XXXX market is increasing as a whole and multiple documented sources provided. 

After 6 unsuccessful emails back and forth where the bank providing the exact same document I provided on my initial request to them. ( I kept asking " why '' is it being requested when it has only been a year ) I conceded and agreed to paying {$100.00} to {$300.00} ( the bank states its somewhere in that range ) for a BPO assessment. 

The result of the BPO stated the house decreased in value from $ XXXX to $ XXXX. The BPO failed to use the same floor plan that sold on the same street for $ XXXX and has a smaller yard, only 2 car garage instead of 3, and less upgrades inside. Also, there is a similar house that just sold two doors down for $ XXXX with a slightly larger lot but significant electrical issues. 

Please assist with removing the PMI. We need our loan balance needs to be below {$180000.00} and the current balance is at {$180000.00}.
Product: Credit reporting or other personal consumer reports

I am reaching out to formally dispute the inclusion of a XXXX listed on my credit report. I have a court-issued letter that clearly confirms this XXXX  should not have been reported to your agency. Despite this official documentation, the XXXX  remains on my report, which is not only inaccurate but also highly concerning. Additionally, there appears to be the involvement of an unauthorized third party in this matter, further complicating the situation and raising serious concerns about the security and accuracy of my credit file. This is a pressing issue that requires immediate attention to ensure my report reflects only accurate and verified information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Well I see where Ive had points deducted from my score for no reason, and Ive had points taken off for the same thing twice in a row also points taken off my score for paying off a loan that should be a good thing. XXXX points taken off for no reason at all, but I know the reason because there was an account that wasnt mine and I disputed it, long story short I paid them to stop reporting it, but the credit bureau took it off and removed it 3 times and so somehow they just decided to put XXXX points and then removed it again and again Im confused as to why these people who cant speak English have control over my life and whether I can get a house loan, after I downloaded the XXXX  app I realized that they are the best credit bureau because they let you and help you take control of your credit and life and allow you to make a job out of it and be responsible with money and credit, XXXX  is getting better since my complaints but still them and transunion are the worst you cant even access transunion website hardly they make it unfair but really they have fixed some points from the credit card utilization which is still not right because its my money and not loaner money so they shouldnt get a say in how much I use as long as its paid on timely fashion some things dont make sense and I will continue to report and expose anything that isnt right oh and one more thing, how come they all dont talk to each other because XXXX  removed the inquiries but now I have to fight the other bureaus to get them removed its like they wont just check the data base that XXXX  already has and see that its been investigated and these companies wouldnt have to work so hard and would have all the correct information if they would just communicate with each other and I wouldnt even be complaining about it they could just follow suit with XXXX  and removed them but what do I know about wasted time and making things better. Apparently nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, Equifax and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX XXXX Balance : {$240.00} ; XXXX XXXX XXXX : {$3200.00} ; XXXX XXXX XXXXXXXX Balance : {$310.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX
Product: Debt collection

This a complaint regarding Velo Laws Practices, On or about XX/XX/XXXX Velo law had called stating that they had served a subpoena and were following up to make sure that it was recieved. The next day a subpoena was filed with the court. Being a collector for XXXX XXXX  for many years i was quized on what Misrepresentation was and this practice is intentional and blatent misprepresentation. A month later they attempted to serve a subpoena on a XXXX party that has nothing to do with the company i work for, he is not an employee, an XXXX, a XXXX other than preparing the paperwork 10 years ago to incorporate the business he is in no way shape or form a valid person to share information regarding my debt too. This is a clear violation of the Fair Debt Collection Practices Act. I called them on a recorded line onXX/XX/XXXX and informed them that i was filing a complaint and now they will not speak with me and after 3 times they hung up on me. 
I understand that money is owed however i was accountable as a collector to follow these laws regarding consumers information and who I am allowed to share it with, if they are trying collect they need to follow the law. It is clear in mcl compiled statues regarding subpoenas and garnishments they are required to serve an officer of the company. they served essentially my neighbor down the street and informed them of my debt, the amount, what it was for and where i was working all of these violate grahm leach bliley act as well.
Product: Debt collection

Portfolios recovery keeps calling after I told them repeatedly I have no money at this time and I am XXXX and can not work at this time. I realize I owe money but calling me and harass me is not putting money in my pocket
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above. It reports late 90 days!!!! REMOVE NOW!!!