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 services 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 and resolute 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 as well as financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX To Whom It May Concern, I am writing to dispute an issue with my credit report. I recently attempted to access my credit report through www.Experian.com, www.Equifax.com and with a credit monitoring agency using www.Smartcredit.com, but my report with Experian and Equifax did not come up or it was outdated for months. I have been informed that this may be due to incorrect or outdated personal information on file.

To assist in resolving this matter, I have included all the necessary documents to verify my identity and ensure my credit report is accurately updated : 1. A copy of my government-issued photo ID ( e.g., drivers license ) 2. A document containing my Social Security number ( e.g., Social Security card ) 3. Proof of my current address ( e.g., a utility bill, and bank statement ) Please use these documents to verify and correct my personal information in your records. I should only have one name, one address and one phone number. Additionally, I request the following updates : - **Remove any name variations** that do not match the name on my provided ID. The only name that is valid and correct is : XXXX XXXX XXXX - XXXX any outdated or incorrect addresses** that do not correspond to my current address listed above. 
The only valid and correct address is : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX NV, XXXX I kindly ask for your prompt attention to this matter. Please confirm once these updates have been made and my credit report is available for access. 
Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Debt collection

EOS CCA I have no idea about this debt and it is incorrect. There is very little information to contact the merchant.
Product: Mortgage

Lennar Mortgage clearly advertises on their website that customers may " float down '' their rate one time within 30 days of closing. There are no stipulations or limitations stated. Lennar refuses to honor this advertised right to consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account XXXX The account was closed in XX/XX/2022 It is still showing open with missed payments. 

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681.

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 card

XXXX XXXX XXXX Returned by XXXX XXXX. AMOUNT WAS XXXX NOW XXXX GOT THE NUMBER FROM THEM TO RETURN In XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I sent payments via mail to the addresses provided to me by Mechanics Bank. I sent a payment back on XX/XX/XXXX via Registered Mail. USPS confirmed it was delivered on XX/XX/XXXX to XXXX XXXX XXXX. 
My account was not properly credited to reflect the new balance and late payments were sent to the credit bureaus. In my correspondence with customer support, they claimed they never received the payment and would not take the tracking number I have as proof to investigate internally. 
I sent a payment in full to the address where payoffs are required to be sent on XXXX XXXX XXXX XXXX XXXX I sent on XX/XX/XXXX and USPS confirmed delivery on XX/XX/XXXX. I got a call from Mechanics Bank stating my account is XXXX  days past due and they've put in a notice of repossession. I told them that I sent a payment in full and she stated on the recorded call that they did not receive such a payment. They have locked my online account and told me that I can only pay over the phone moving forward. 
I've attached proof of receipts and delivery from USPS on the dates specified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am XXXX XXXX XXXX and the reason I am writing to you is complain on Equifax for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent XXXX  and Transunion a letter XX/XX/2020 disputing the negative items reporting on my credit report that is hurting my score and causing my great grief by not acquiring anything. Its old accounts that still reporting more than 7 years, which is a violation and the rest are inaccurate and incomplete.I have left you a copy below with proof
Product: Credit reporting or other personal consumer reports

THIS ACCOUNT WAS OPENED BY FRAUD WITHOUT MY KNOWLEDGE AND SHALL DELETE FROM MY CREDIT REPORT BY LAW. 

XXXX XXXX XXXX XXXX WITH A BALANCE OF {$29000.00} is INACCURATE AND FRAUD USE MY INFORMATION TO GET THIS CAR. 

I REQUEST THE DOCUMENTS THAT WERE USED TO OPTAIN THIS GOODS OR DELETE THIS INACCURATE ACCOUNT FROM MY CREDIT REPORT.
Product: Checking or savings account

PNC accepted a transfer with the ACH trace ID of XXXX. It was accepted by them on XXXX. It was supposed to be credited into my account ending in XXXX. However, during the transfer numbers were mixed up. PNC has denied having the funds even though the trace ID clearly shows it was sent to their bank. I havent received my money and I did everything correctly on my end as a customer. This is terrible business. I have been a customer of theirs for at least 5/6 years but want to close my account. They cant even find the money that was sent to them.
Product: Mortgage

Over the last XXXX years I've attempted to have an escrow account set up with the loan serviced. First year it went from XXXX ear to through the other. This past year. I got the escrow analysis letters. I missed placed them so I go to the online portal to see if I can find the info. I can not. In XXXX different occasions I couldn't. One third occasion they stated they themselves on a call could not find the escrow analysis letter so she would start the escrow request again. Here we are on XXXX and I call for follow up from my call and nothing. The escrow analysis did not exist again. This time my insurance lapsed even thou I uploaded the bill which they sent via mail and escrow amount. I called the credit union for help because ALL mail has their logo/letterhead. They told me they could help me. My issue was with the loan servicer.
Product: Credit card

ongoing issue since XX/XX/2024. I found out XX/XX/2024 that my auto pays were being bounced back to my bank even though I made payments on time, I was being charged late fees because of my bank returning the amounts, looking like I never made the payment. XX/XX/2024 I provided customer service agent Proof through my bank account that the amount was processed, but then returned Six days later without any notification telling me that the payment was returned customer service agent in XX/XX/2024 let me know that everything should be fixed and corrected now and if this happened again to just call back and explain and they would remove the {$40.00} charge. However, I was transferred to multiple people and ultimately told they will not honor what the previous representative said they would do and when I asked for my dispute to have a response via so that I could take to my banking Institute and try to retrieve the {$40.00} charge from them in order to credit my account, I was told they can not give me anything at all. This is very much the opposite of what I was told last month what to do. ( The agent in XXXX told me that There should not be any issues because this is an ongoing problem, and I was able to re-verify my Banking account information was accurate, it was my bank that was returning the payments As fraudulent, although I never reported any fraudulent issues to my bank. 
XXXX also being charged {$40.00} and it can affect my interest rate. they were unwilling to work with or provide information that could help me resolve the payment issues. This was an ongoing issue and Because of the Proof I provided for my XX/XX/2024 autopay, They waived the {$40.00} charge the previous month. That same customer service agent is the one that told me if it happened again to contact them, let them know and that they would help me resolve the issue and I would need to dispute the late charge fee ; But that She didnt see any issue with assisting me if the same exact thing repeated.
Product: Debt collection

I am a victim of identity theft. I do not owe for this debt. A representative from Credit Collection Services continuously called me and harassed me, and told me I will be arrested if I do n't take care of this debt. Credit Collection Services is in violation of the Minnesota Debt Collection laws and the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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  - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX  - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

Bankruptcy - XXXX - XXXX5 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report, you shared my personal Information without my consent. this is identity theft ; you are criminally and XXXX XXXX - This account are inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 


Incorrect Name - XXXX XXXX- Please delete this inaccurate info immediately. 

Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, NY, XXXX - Please delete this inaccurate info immediately. 

EMPLOYER - XXXX  XXXX XXXX- Please delete this inaccurate info immediately. 

EMPLOYER - XXXX  XXXX XXXX- Please delete this inaccurate info immediately. 

Bankruptcy - XXXX - 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report, you shared my personal Information without my consent. this is identity theft ; you are criminally and XXXX XXXX - This account are inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 


Incorrect Address - XXXX XXXX XXXX, XXXX, NY, XXXX - Please delete this inaccurate info immediately. 

Trans Union, XXXX, and XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 or 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 data is inaccurate.
Product: Credit reporting or other personal consumer reports

The List of account which is a bankruptcy below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Date Reference Number Status Court Liability Exempt Amount Asset Amount XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX I looked at my Equifax credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to XXXX XXXX XXXX they are suppose to 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 contacted discover credit card agency in an attempt to resolve a negative account. I was enrolled in a program to help resolve the negative balance. I was told by the agent if I paid {$36.00} to start the program I would then be allowed to pay {$15.00} a month for 12 months. I was told that after 3 payments of {$15.00} dollars XXXX, XXXX, and XXXX that my credit bureaus would reflect that I am current on the credit card as long as I continued to make the {$15.00} payments. I have honored my committment to Discover by making the agreed payments with discover. Today I was told that the agent I spoke with did not enter the correct details and that my account is not reflecting current and that I need to now pay {$370.00} in order to fufill what the agent promised me. I was illegally put into a bait and switch situation with discover. I honored my portion of the agreed upon agreement with discover and they need to honor their end. I was completely lied to and this should be illegal.
Product: Credit reporting or other personal consumer reports

I sent a dispute to the major credit bureaus disputing the inaccurate information on my credit report regarding XXXX  XXXX, account number XXXX. 

Despite the clarity and detail provided in the Credit Bureau XXXX, the Account continued to appear on my consumer report with inaccurate information. 

Upon information and belief, the credit bureaus forwarded my Dispute to XXXX  XXXX. 

Upon information and belief, XXXX  XXXX received notification of my credit bureau dispute. XXXX XXXX did not conduct an investigation, contact myself, contact third parties, or review underlying Account Information with respect to the disputed information and the accuracy of the XXXX  XXXX Account. 

Upon information and belief, XXXX  XXXX failed to instruct the credit bureaus to remove the false information regarding the XXXX XXXX Account reporting on my consumer report. 

The credit bureaus did not conduct an investigation, contact myself, contact third parties, or review underlying account information with respect to the disputed information and the accuracy of the XXXX XXXX Account. 

The credit bureaus employed an investigation process that was not reasonable and did not remove the false information regarding the Account identified in my Dispute. 

At no point after receiving the Credit Bureau Disputes did XXXX XXXX and/or the credit bureaus communicate with me to determine the veracity and extent of my disputes. 

The credit bureaus relied on its own judgment and the information provided to them by XXXX  XXXX rather than XXXX credence to the information provided by myself. 

The credit bureaus published the false information regarding the XXXX  XXXX Accounts to third parties.
Product: Mortgage

My mortgage servicing was transferred to Ditech from XXXX XX/XX/XXXX. I was due a 6th year Hamp incentive in XXXX XXXX of {$5000.00} plus a reamoritzation as part of a law passed last year. I 'm getting nowhere. Ditech has never responded to my numerous requests for this incentive to be applied. I lodged a complaint with XXXX XXXX and now the servicer told them that I was 90 days late XX/XX/XXXX and the treasury denied the incentive. It 's not true. I was given the {$1000.00} all 5 years. I have records to prove I was never 90 days late since my Hamp incentive was finalized in XX/XX/XXXX.
Product: Debt collection

The XXXX collection items on my credit ... ARE NOT MINE AND WHEN I NOTIFIED MCM OF THIS THEY REFUSED TO GIVE ME THE OPPORTUNITY MY LEGAL RIGHTS. THEY DO NOT CURRENTLY HAVE NOR HAVE THEY EVER HAD MY CORRECT ADDRESS. XXXX THE WOMAN HUNG UP ON ME.
Product: Mortgage

Im selling a home in XXXX and our buyers secured a loan with Primary Residential Mortgage and was pre- approved for {$260000.00}. The appraisal came back at {$250000.00}. We lowered are price to help out the buyers. They originally started out trying to get a USDA loan. 

The rate for the USDA loan was never locked in. We found out 4 days to close that the loan officer XXXX XXXX XXXX # XXXX never locked in the rate. The rates went up forcing our buyers out of this loan. The XXXX XXXX XXXX XXXX XXXX # XXXX took over the loan and switched the loan to FHA. 

Meanwhile, we were promised to close on XX/XX/XXXX. Then it was pushed to XX/XX/XXXX and now pushed to XX/XX/XXXX. Communication between the buyers and loan officers promised closing on these dates via text messages. 

Meanwhile, im the seller believing the communications from the loan officers promising to close. I have paid so far over {$7000.00} dollars to move my belongings to XXXX, also, {$460.00} to turn on utilities. However the biggest concern is that if this keeps dragging on I will lose my home in Texas that Im trying to buy. I have had to pay more for food and other expenses because all my belongings are in XXXX As well as my beds. Im being forced to sleep on an air mattress due to this gross incompetence in handling this loan.

This is completely unfair to me because 1 ) my buyers picked this lender 2 ) based on the loan officers info we believed that the loan would close and based on that shipped our belonging to our new city.

3 ) had Ive been given accurate information I would not have spent all this extra money. 
4 ) im XXXX on a fixed income and cant keep throwing money away for a loan that may or may not close as promised.

5 ) Had the loan officer done their due diligence we would not be in this situation. 

These buyers were pre-approved so we had no reason to believe that there would be issues. The fact that we were told 4 days to close that there was a problem demonstrates the gross mishandling, incompetent, deceptive practices and unethical business practices being preformed by this financial institution. 

Im filing this complaint to help stop this incompetent lender from harming others.
Product: Money transfer, virtual currency, or money service

I am to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety. I have had my account information compromised over 5 times and continually for months through the connected account. I have incurred fees and financial displacement not knowing if my money is safe.
Product: Checking or savings account

XX/XX/XXXX closed CD Marcus confirmed in email XX/XX/XXXX CD maturity XXXX contacted Marcus 2x XXXX and XXXX reps Hasnt closed yet! 
XXXX Marcus supervisor XXXX admitted Marcus made an error and renewed CD by mistake. Confirmed will be transfer to my bank account on file 3-5 business days NO early withdrawal penalty since Marcus renewed against my XX/XX/XXXX instructions to CLOSE! 
XX/XX/XXXX STILL HAVE NOT RECEIVED MY MONEY. NOT TRANSFERED!
Product: Checking or savings account

after over 30 years of having this Citibank checking account with no issue, the bank now holds deposited money for days with no explanation why. I discussed this issue with the bank manager with no resolution or information. I then was on hold for 26 minutes to talk to a phone rep who could  not help me then transferred me to a XXXX from XXXX when said he could not help me and had no information for me then when i asked to be transferred to someone who could answer my question he hung up on me. I need proper access to MY own money. Please help me. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

First sent all information to all three credit bureaus in XX/XX/2019 to correct errors on credit reports. Credit reporting companies never fixed problems or gave updated credit reports to me or my wife. Can't correct problems if the credit bureaus don't co-operate with federal laws.