23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected or removed from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act. ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2021 and i have not received no answers. I am such in distress and i feel like my letters get ignored. I pulled my credit report and there is unauthorized used of my credit report.
Product: Mortgage

Cash Call Mortgage has consistently mishandled my monthly payments and not properly booked payments that I have made towards principal. As a result, my interest expense has been too high and my principal balance is too high.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XXXX/XXXX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Consumer Loan

Loans paid as agreed, lender phone calls and correspondence confirmed however no resolution or changes to my credit report or performed by the agency/financial institution for fair credit reporting timelines and or act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The account has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 Account # XXXX XXXX XXXX XXXX, XXXX, has violated my rights.

15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 USC 1681 ( A ) ( 4 ) 15 U.S.C. 1681 Section 604 A Section 02 : It also states a consumer reporting agency can not furnish an account without written instructions. 15 USC 1681b ( A ) ( 2 ) 15 U.S.C. 1681c. ( A ) ( 5 ) Section : It 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.

I challenged the accuracy, compliance and reportability of this listing and it came back verified. Please validate and have them provide method of validation on this information from this account and ask them to provide me with copies of the original contract between myself and XXXX XXXX and validation associated with this account, bearing my written signature. This has account has been updated with activity and this is a closed collection account. The term duration is INNACCURATE on this account states 1 month on XXXX, 0 months on Transunion, and Unknown on XXXX which is inaccurate as well as the first date of Delinquency are inaccurate as well. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. I also attached an article from the CFPB ordering " Repeat Offender XXXX XXXX XXXX  to Pay More Than {$24.00} Million for Continued Illegal Debt Collection Practices and Consumer Reporting Violations '' I requested validation and method of validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681S-2 ] [ 15 U.S.C. 1681e ]
Product: Credit reporting or other personal consumer reports

I never had late payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This Information is Incorrect. Please remove it from my credit report. 

XXXX XXXX XXXX This inquiry was not authorized. please remove it from my credit report XXXX This inquiry was not authorized. please remove it from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX account number XXXX opened XX/XX/XXXX has sold my information to XXXX XXXX which is a company that is not licensed to collect in there state neither in the state of Georgia. 

XXXX XXXX XXXX  account number XXXX opened XXXX XXXX has sold a debt to XXXX  which is not licensed to collect in either. 


XXXX XXXX XXXX is a inquiry on XX/XX/XXXX that does not reflect to any open accounts on my profile. 

XXXX XXXX  is a inquiry on my credit report that does reflect any open accounts on my credit. 

XXXXXXXX XXXX XXXX  XXXX on XX/XX/XXXX is a inquiry that doesnt reflect as a open account on my credit report. 

XXXX XXXX XX/XX/XXXX account number XXXX is not reporting correctly alleging that I was late on payments which is not true. 

XXXX XXXX XXXXXX/XX/XXXX account number XXXX is not reporting correctly alleging that I have made late payments which is not true.
Product: Checking or savings account

Axos bank has frozen out account without any explanation other than we don't meet their requirements. I have tried multiple times to find out when my funds will be released back to me. They froze our account on XX/XX/2022 without any warning or explanation. They would not unfreeze the account so I could wire funds out. They stated our funds would be sent via check within 3 to 5 business days. I called again today on XX/XX/2022 since we are over 10 calendar days since they froze the account. I have requested a manager to call me back 4 times now and no one will return my calls or emails. The representative based out of XXXX stated the same thing that its in management and no answer of when my funds will be made available to me. I can not pay bills, buy food, pay for medical expenses for my XXXX daughter or my wife and son 's needs. I have no resolution from the bank they simply are holding my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has wrongfully refused to remove incorrect information on my credit report that was provided through fraud by XXXX XXXX XXXX. I proved to the XXXX XXXX County Court at Law 4, that my XXXX XXXX  account was hijacked by fraud in XX/XX/XXXX. XXXX sued me in XX/XX/XXXX for an account I paid in full in XX/XX/XXXX. It was hijacked afterwards. Please direct Experian to remove this fraudulent entry on my credit report. I will attach the documentation. Experian even in an asinine manner told me to contact XXXX, when my attorney has been in contact with them frequently already and they are still reporting incorrect information!
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : SECOND DISPUTE REQUEST AND DEMAND FOR IMMEDIATE DELETION I recently received your notice of completion concerning my dispute, wherein I indicated the presence of inaccurate information being reported on my credit profile. This communication serves as my SECOND WRITTEN REQUEST, emphasizing your obligation to immediately remove the inaccuracies and fraudulent accounts identified below. These accounts persist on my credit report in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681.The FCRA, under 15 U.S.C. 1681i, mandates you to conduct a thorough investigation when I dispute the accuracy of the information you report. Regrettably, your response to my first dispute was unsatisfactory and incomplete. You merely asserted that the disputed items were " reported correctly, '' without providing any documentation or outlining the process of investigation, thereby failing to meet the standards set forth by 1681 ( a ) ( 4 ) .Under Engelhardt v. Gravens , 281 S.W. 715,719, given that I have not supplied proof under the doctrine of estoppel by silence, it is presumed that no proof of the alleged debt, nor the existence of any debt, indeed exists. Thus, I am now requesting the following : 1. The documents you used to verify the accuracy of these accounts.

2. The name of the individual in your organization who verified these accounts, their business address, and telephone number. 

According to Blacks Law Dictionary, the act of " verification '' implies that you must possess authentic, firsthand documents that not only confirm these accounts belong to me but also verify that the reported information is accurate. If required, you should be prepared to defend the authenticity of these documents under oath, under the penalty of perjury, in a court of law. Failure to provide the requested documentation will be interpreted as an inability to verify these accounts. In such a case, under Section 611 ( 5 ) ( A ) of the FCRA, you are legally obliged to promptly DELETE all information that can not be verified. If these inaccuracies are not rectified and the disputed items deleted promptly from my credit report, I will interpret this as a negligent noncompliance of federal laws, which carries civil liability under Section 617 of the FCRA. As a consumer prepared to enforce my rights legally, I will consider taking necessary legal action to uphold my rights under the FCRA. The disputed accounts are as listed on my credit profile with your agency Account Name XXXX XXXX XXXX Account Number XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Number Account Number XXXX XXXX Account Name XXXX XXXX XXXX Account Number XXXX XXXX Thank you for your immediate attention to this matter. I anticipate your prompt response and a resolution to these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  Account ( XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX offered by Comenity Capital Bank ), has violated my rights. 

15 USC 1681 Section 602 - states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 - also states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B - states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX 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

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 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 theses violations
Product: Mortgage

THIS IS NOT A DUPLICATE COMPLAINT This is a new complaint written on XX/XX/2018 addressing Ocwen Loan Servicing 's illegal attempt to sell my home scheduled for XX/XX/2018. 

For the seventh time, Ocwen Loan Servicing is attempting to illegally sell MY home. I have had to file previous complaints to address the previous six illegal attempts of this entity to sell my property. Once again, Ocwen Loan Servicing is in gross and blatant violation of CFPB regulations, federal and state law, and a consent judgment governing their behavior. What is it going to take to stop the illegal behavior of this entity? 
We have been struggling to have our mortgage modified with Ocwen Loan Servicing for a number of years now. We have always qualified easily for a modification, but this company has done everything they can do to avoid modifying the mortgage. They have instead continually attempted to foreclose on us illegally, in clear violation of CFPB regulations. Because of a consent judgment against Ocwen Loan Servicing, this company is required to follow a very specific modification process and they are required to modify the mortgage. Ocwen Loan Servicing is completely out of control and we desperately need protection against their endless unlawful attacks. It is likely that the activities of this company are negatively affecting many Americans. 

Specifically, through their haphazard implementation of a fictitious modification process, Ocwen has continually disregarded numerous provisions of the Home Affordable Modification Program ( HAMP ) enacted under the Troubled Asset Relief Program ( TARP provision of the Emergency Economic Stabilization Act of 2008, Pub.L. No. 110- 343 ; 122 Stat. 3765 ; 12 U.S. C. 5201, 5211-5241 ; 5219 ( a ) ), Regulation X, 12 C.F.R. 1024.41 ( g ) and ( j ), Regulation X 1024.35 ( b ) ( 10 ) and other laws over and over again. 

In addition to the modification problems, they have also been dual-tracking me by continually attempting to foreclose on me while I have been in the active modification process the whole time. We clearly and easily qualify for a modification, and these people know that. Blatantly attempting to foreclose on and steal the home of someone who clearly qualifies for a mandatory modification is a grossly criminal act. This complaint should be referred to the appropriate authorities for criminal prosecution.
Product: Money transfers

On XXXX XXXX 2015, I made a money transfer ofr {$100.00} through Western Union to XXXX. Western Union gave me an exchange rate of XXXX XXXX to the dollar. I later found out that the exchange rate at the time of this transfer, was XXXX XXXX to the dollar. This means I was ripped off to the tune of XXXX XXXX at the point of exchange. 
Millions of XXXX immigrants, remit money to families to the tune of millions in a day and Western Union charges fees for these services. To shortchange customers in addition to these fees, is unconscionable and a fraud. 
1. I am requesting an investigation of this transfer and countless others transmitted by Western Union. 
2. I am demanding a refund or transfer of the balance unpaid. XXXX XXXX. 
3. Western Union to be compelled to remit funds in XXXX dollars or at exactly the exchange rate in the country where money was transferred to. 
4. Western Union is to be made to pay restitution to everyone cheated in this manner. 

Transfer completed at XXXX XXXX XXXX XXXX XXXX XXXX Co XXXXTracking Number XXXX
Product: Debt collection

I requested a payoff amount for my mortgage and finally saw a payoff letter online in my account. 

Their system will NOT allow an online payment less than the usual automatic auto-payment amount ( I've dealt with them on this before! ) and to be very clear on what payments were made, I waited until my auto-payment was deducted on XX/XX/19. 

Then, I made an online payment of the balance of the pay-off amount in my pay-off letter on XX/XX/19. The payoff amount is good until XX/XX/19. 

I am very excited and anxious to get the release of my mortgage so thank goodness I am watching this carefully. Yesterday, I get an email with my new monthly statement. It reflects my XX/XX/19 auto-payment and shows the final payoff amount I paid as an " unapplied amount. '' The " more information '' under that says that they will hold these funds until the next payment due date, which for my account is XX/XX/19. Past my pay-off date, which would mean there would be additional nominal fees needing to be paid. 

This is completely unacceptable! 
When I made the online payment, I indicated that it should be made on XX/XX/19 - if they aren't going to apply funds when indicated by the customer, rather just apply them per the usual schedule, they need to make that clear. Actually, they shouldn't be allowed to hold customer 's payments past the date the customer indicated - they are earning interest for those days held, ill-gotten and illegal gains, in my book. 

I have hated every dealing with this company for the last few years since they bought my mortgage. They have incredibly XXXX and misleading practices for customers that I think are appalling. 

Please investigate them and DO SOMETHING!
Product: Debt collection

COMENITYBANK/XXXX  failed to give me proper validation of this debt. 

I mailed COMENITYBANK/XXXX  a debt validation request on XX/XX/20 certified mail # XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am filing a complaint against Jefferson Capital Systems , LLC for gross violations of my privacy rights and unauthorized debt collection activities. I never provided consent for XXXX XXXX to contact me or send me mail and I do not recognize that I owe them anything.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Citi is trying to force and shape how individual businesses sell products to customers.

No one wants financial institutions deciding which legal products you may purchase.

Citi has no place determining who and what legal items can be purchased by legal citizens. Citi is a corporation who was helped by the people of the United States, they have no business telling its citizens in what fashion they can use credit to make legal purchases. Our government has systems in place to determine what is legal and what isn't, Citi is not a governing body.

I am currently working to divert all personal business away from Citi and to other credit corporations.
Product: Money transfer, virtual currency, or money service

Please see prior complaint ID XXXX, submitted on XX/XX/year> for additional details and history, and attached XXXX response XXXX Please see prior attachments with that complaint. 
On XX/XX/year> I initiated a wire transfer for {$25000.00} from my personal Wise account to my personal XXXX XXXX account in XXXX XXXXXXXX, XXXX XXXX The funds were wired first to XXXX ( domestic bank intermediary ) but never arrived at my account in XXXX. Wise " partners '' with XXXX XXXX XXXX to provide the wiring services. The funds remain missing. I have numerous emails from Wise support team advising that I contact XXXX to return the funds. XXXX refused to do so. I subsequently filed a complaint with the CFPB ( see complaint ID above ) and XXXX responded on XX/XX/XXXX ( see attached ), and claimed they returned the missing funds to XXXX XXXX XXXX on XX/XX/XXXX. They recommended I contact XXXX XXXX XXXX to retrieve the funds. I met with a XXXX XXXX XXXX banker in XXXX, Colorado on XX/XX/year>. I was informed that only Wise ( who originated the wire transfer and partners with XXXX XXXX XXXX for wire transfer services ) can retrieve the funds. I contacted Wise by email on XX/XX/XXXX requesting them to retrieve the funds ( see attached email ), and they responded on XX/XX/XXXX that they can not retrieve the funds, and there is " nothing they can do from our end ''. They advised that I should work with the recipient bank ( XXXX XXXX XXXX ) in having the funds recovered, but also suggested that XXXX XXXX XXXX would have returned the funds to my Wise account if truly received from XXXX ( implying XXXX was dishonest in their response to CFPB ). See the attached email from Wise. Wise has been unhelpful throughout this process to recover the missing funds. They initiated the wire transfer using XXXX XXXX XXXX as their " partner '' for the wire, but now claim they are incapable of retrieving the funds from their " partner '' and returning to my Wise account. They are seemingly also suggesting that XXXX did not return the funds to XXXX XXXX XXXX ( as XXXX claims in their CFPB response ), or that they are incapable of working with their partner ( XXXX XXXX XXXX ) to locate and retrieve the funds. There is a record of the fund transfers but the involved parties don't seem willing or capable to get the money back to its rightful owner.
Product: Credit card or prepaid card

Received almost 50 percent interest on the Home Depot Store Credit Card. Made attempts to discuss options and resolve with merchant, but was unable to speak with a helpful person. Total balance due on the home depot card is beyond what is manageable. Balance has more than doubled and seems impossible to maintain.