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

Im filling out a complaint against cashapp ( block , inc ) due to no customer services and unfair practices and blockings which violate consumer financial protection act ( cffpa ) specifically cashapp failed to take timely and effective measures which is unfair and not preventing fraud 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 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX XXXX XXXX XXXX. Notwithstanding section 604 [ 1681b ] or any other provision of this title, XXXX XXXX XXXX shall furnish to the Federal Bureau of Investigation the names and addresses of all financial institutions ( as that term is defined in section 1101 of the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 ] ) at which a consumer maintains or has maintained an account, to the extent that information is in the files of the agency, when presented with a written request for that information, signed by the Director of the Federal Bureau of Investigation, or the Director 's designee, which certifies compliance with this section remove late payments 15 USC 1681 ( A ) ( 2 ) ( I ) 12 UCC 3-301 15 USC 666 ( B )
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX 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 and list of Inquiries XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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: Checking or savings account

I tried to use PNC mobile deposit to deposit a check for {$14.00} and the app crashed four times making it look like the deposit was not accepted. It was not showing in my current or available balance and there was no record of the deposit being credited So I cashed the check at XXXX. Turns out PNC did accept the deposit without any notification on my end and the check was returned. PNC froze my account for {$14.00} and held my direct deposit and a XXXX  payment totaling over {$670.00} for 4 days refusing me access to my payroll for a mistake that was caused by their app. The level of service I received was disgusting. They treated me like a criminal for a mistake.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Checking or savings account

so i filed for disput on fraud that cause the scammer was impostering as a doctor now on XX/XX/XXXX I talked to my case manager about this dispute for over an hour in detail. i asked if he wanted the emails an dhe said no on XX/XX/XXXX I received a email saying regarding the claim mentioned above on XX/XX/XXXX a case processor you spoke with agreed to a extension. i called us bank to have my case manager call em. the next morningthe case manager called me and I asked did we ever talk about a extension and he said no, I asked is there any not of a extension he said no and then I asked do you know anything about a letter of a extension and he said no. then I asked what exactly do you kneed information wise and he said just dates and ia sked do u want the email and he said so around XXXX I called back fought for XXXX min trying to give the dates. 
XXXX XXXX I received a letter sayinwe requested additional information from you concerning your dispute unfortantley we have received a response to our request. there for you claim is denied I called the card member service department and they are avoiding the subject cause these leters are false document then ic called the police and they told me to contact the beru
Product: Debt collection

I gave XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/2020. 2 days later while reading through my discharge paperwork and online patient portal, I discovered that there were several big discrepancies. The hospital had written down that I gave XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The hospital also listed that I had a history of XXXX during my XXXX when in fact I have never been diagnosed or treated for XXXX. I brought this to the attention of the hospital who apologized and had me sign documents to have my medical records redacted and corrected. Prior to XXXX  I was quoted {$750.00} for my deductible after insurance. I was instead sent a bill for over {$5000.00}. I called the billing department and asked for an itemized statement to confirm that I wasn't charged for anything related to treating a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and if I was charged for anything related to XXXX. I also asked why I was misquoted. The billing lady said she would look into but instead never got back to me and instead sent my bill to collections. Now this debt collection company reported this on my credit report 5 months ago without any written documentation ever sent to me beforehand.
Product: Credit reporting or other personal consumer reports

1 ) REMOVAL OF ALL FRAUDULANT INQUIRIES ON MY CREDIT BUREAU, WHICH ARE ON MY CREDIT REPORT AS HARD INQUIRIES. I DID NOT AUTHORIZE THESE INQUIRIES, I HAVE FILED MULTIPLE POLICE REPORTS, IN MULTIPLE JURISDICTIONS, AND HAVE THESE FRAUDULENT INQUIRIES REMAIN ON MY CREDIT REPORT FRAUDULENT INQUIRIES ( 9 ) : XXXX. Did not consent to unauthorized inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please Remove It From 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2018 I walked into XXXX XXXX XXXXXXXX XXXX XXXX  XXXX to the get a checking and saving account and I felled out the proper papers and went to the atm to get money to put in both accounts and when i walked back in the building I was treated very disrespectfully and the banker stated they could not open up any accounts for me i asked why and they stated that I ChexSystems report came back and it was not good which was funny because i never even heard of ChexSystems and i been banking with XXXX  XXXX XXXX in Arizona for over 15 years and never had an issues. which on the adverse action letter it stated that my ChexSystems score was not high enough to have peoples state XXXX XXXX XXXX to open multiple accounts for me. i spoke to ChexSystems and it took weeks to get my letter from them in the mail and when i got it i had to give them consent to have them send me my own information when i gave they my two forms of id they stated my social was linked to more they one account acutely multiple accounts they fixed the issues on there. I went back into the people 's state XXXX XXXX XXXXXXXX with my new ChexSystems fixed paperwork, and they did not care they looked at me like was less then. Now I have been studying my consumer rights under the Fair Credit Reporting Act and I have learned they violated me and did not compensate me for how i was violated below i will state the UNITED STATES CODES for how i was violated
Product: Credit reporting or other personal consumer reports

I waiting to get into my XXXX XXXX account but things was removed now back on my credit
Product: Credit reporting or other personal consumer reports

That is a business credit card for a company I was authorized to use but that is not my card an its reporting on my personal credit card
Product: Credit reporting or other personal consumer reports

MY ACCOUNT # XXXX Whats up Just wan na let you know XXXX XXXX that debt you mentioned under the Fair Debt Collection Practices Act Aint askin for more proof or docs just lettin you know I dont agree If you need to reach me best way is by text on my cell or email on my cell or computer Monday to Friday between XXXX and XXXX XXXX  Time Any other times or methods like live calls or voicemails aint good for me Thanks for understanding Later
Product: Credit reporting or other personal consumer reports

Date XXXX of XXXX to XXXX of XXXX Esusu promised to report my on time payment to all 3 Credit bureau this never happen .I haven't seen any change in my credit for over 2 years now
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX - - -No Data Dispute Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/2016 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX  a hard inquiry was pulled from my credit file without my knowledge. I wrote the consumer asking for this to be removed a month ago but have not gotten a response.
Product: Credit card or prepaid card

I received a letter ( attached ) datedXX/XX/XXXXfrom Capital One Credit card company informing me that my credit card was closed on XX/XX/XXXX. On Monday XX/XX/XXXX I called the customer service phone number to inquire about this account because I never applied or received a credit card from Capital One. The customer service representative was able to locate the account but would not give me any information and denied my request to speak to a supervisor. He said that he can not tell me any information unless I provide him with my SSN while I felt uncomfortable to provide this information over the phone specially with a possibility of fraud.
Product: Debt collection

I received a invoice dated XX/XX/2023 as well as phone calls from Insight Financial, LLC. that I owed a debt from XXXXXXXX XXXX XXXXXXXX for {$3800.00}. I sent a USPS certified letter to Insight Financial, LLC. on XX/XX/2023 along with all the back up proof that the debt was paid as it was a insurance claim. I have a invoice marked final invoice from XXXX which I paid on XX/XX/2023. I have provided to Insight Financial LLC. all the insurance claim deposits to my account as well as all the invoices and checks I then wrote to XXXX for the same amount to pay each invoice in full. 
Insight Financial has not sent me any written response as I have requested more than an invoice to show me how the payments where accounted for and it has been over thirty days since I requested this. I feel that they are trying to double bill me and take advantage. Please let me know what else you may need from me. 

Thank You, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Commencing on or about XXXX, XXXX, I fell victim to a multilayered scam operation orchestrated XXXX ( the Company ), which involved me making deposits for a total amount of XXXX USD from my Bank of America account to fraudulent firm
Product: Credit reporting or other personal consumer reports

My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. Unauthorized accounts include XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$530.00} also attached is police report made that was sent to all companys
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).
I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Debt collection

I have no knowledge nor do I have any agreements with MRS BPO LLC, XXXX XXXX XXXX. They have placed a collection account on my credit to all 3 credit bureau. They are located in New Jersey and I am located in Georgia. They are aware of XXXX XXXX being a CESTUI QUE VIE trust. That is who is who this CORPORATION is naming as the debtor. 

MRS BPO LLC, XXXX XXXX XXXX, knows that they are not mixing private women with a trust but according to FDCPA that is trust fraud saying the woman has responsibility for the trust. 

I need every FARA for every employee including the CEO XXXX XXXX, all insurance policies, for this CORPORATION, Carriers, information, Name, address, all employees of MRS BPO LLC and their policy worth, policy numbers, where located, and contact persons for each policy sent to my attention at XXXX.
Product: Debt collection

Ive been receiving different Collections notices Attached to JHPDE Finance I LLC from Different collection Agencies that represents this company.. Neither Collection agency has Verified that I owed the Debt. The first collection reached out was XXXX XXXX XXXX who Never answered my Complaint with the CFPB regarding this matter and now JHPDE Finance I LLC has sent this Fraudulent debt to XXXX XXXX , XXXX I guess when they had no luck with XXXX XXXX XXXX. Ive sent Validation letters and police reports on this account and JHPDE Finance LLC keeps circulating the fraudulent debt around with knowledge its Fraudulent.
Product: Student loan

I am having difficulty in being able to afford my student loan payments as well as have enough money to live.
Product: Mortgage

I contacted Quicken Loans for refinancing my mortgage and rolling in a HELOC. I informed them that I had foreclosures in my credit history and they told me that because the properties that were the subject of the foreclosures were not dwellings ( they were undeveloped lots ) Quicken did n't consider them to be foreclosures. While I did not understand why they said this it was obviously beneficial to me so I was pleased. I submitted an application for a conventional mortgage. At some point during the process I was informed that because of the foreclosures I would no longer qualify for a conventional mortgage. I had to change my application to FHA which calls for PMI. At closing I paid approximately {$3400.00} for PMI and am now paying approximately {$130.00} per month for PMI. Over the life of the mortgage, 30 years, this will cost me approximately {$51000.00}. There are many emails between Quicken reps and me that substantiate my claim. I also wrote a letter to XXXX XXXX, President and CEO of Quicken, but that only produced a phone call from XXXX of their reps explaining that they would n't do anything this issue. Quicken has never denied my version of this incident. They offered me a {$500.00} discount on closing costs of a refinance in 4 years if I want to refinance my current FHA mortgage for a conventional. This is a joke. I have much more detail on this matter available, including the letter I sent to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WANT TO MAKE IT CLEAR THAT I AM NOT DISPUTING INACCURATE INFORMATION ON MY REPORT. I AM REPORTING EQUIFAX FOR NOT FOLLOWING FCRA RETENTION LAWS. 

Equifax is ignoring the retention statute of collection accounts in XXXX 
I have temporary left the state for work. I have confirmed with XXXX XXXX, a credit law firm that even if someone permanently moves the retention time stays with the state that the debt incurred. 
There is a medical collection account on my report that should have aged of my report last month. They are refusing to remove citing that because I am currently in XXXX XXXXheir policy is to keep it on my report. Because my stay is temporary they have insisted i show my license. I am including a copy of front and back to show I still maintain my XXXX residency. I do not intend to get a XXXX license as I am not a permanent resident.
Product: Credit card

In XX/XX/XXXX, Commenity Bank/Express charged finance charges on a paid in full account. The account was paid in full on XX/XX/XXXX and the finance charges were charged on XXXX XXXX XXXX I reached out to Express and was refunded the charges. This is the second time this has happened to me that I'm aware of ( acutally caught ). Back in XXXX I was reviewing my credit report and saw I was 30 days late on this Express account. I had paid the account in full and didn't understand why. The fees were refunded, but the late payment is still reflected on my credit report in XXXX. I'm afraid that this may happen continuously and this is just the only two times I have caught this practice in action.
Product: Debt collection

My sister in law used my husband as a " reference '' on a loan. Most likely XXXX. The collection agency had calld us threatening to sue and uses aggressive language if we do n't get her to pay this loan.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Money transfer, virtual currency, or money service

I opened my account on Coinbase and got a payment from a gambling site. I transferred my money to their base site and they immedietly locked my account. Then they asked for some documents and information which I provided and for a month they haven't done anything!!!
Product: Mortgage

There is a litigation block on my account and I can not contact the company about a new fee that has been assessed to my account, without my knowledge or permission. It is showing a check disbursement of {$540.00} with no additional information. 

A presentment was sent to XXXX XXXX on dated XX/XX/XXXX, there is no mail stamp date on the envelope. It shows a new fee of {$540.00} that was disbursed from XXXX XXXX 's mortgage account in a form of a check. XXXX XXXX made a call to PNC Bank on XX/XX/XXXX to check on the Fee. A recording came on advising XXXX XXXX. of a litigation block on the account. The account is not in arrears and there is no known pending litigation for the alleged loan for XXXX XXXX. XXXX that the XXXX XXXX is not in litigation with PNC BANK and hasn't been since XXXX XXXX  XXXX. If there is open litigation, XXXX XXXX requests proof of any open litigation. 

XXXX XXXX requests the following information from PNC BANK : 1. Provide information on what the {$540.00} fee is for that was charged on XX/XX/XXXX 2. Remove litigation block or provide reason why it is still in place, as there is no open litigation, or provide proof of open litigation. 
3. Provide approval signatures for the disbursement that was made without XXXX XXXX 's approval or knowledge. 
4. PNC Bank is requested to provide a fee schedule that was signed during the alleged loan process with XXXX XXXX and provide proof that XXXX XXXX acknowledged and signed for this fee schedule during the loan process. 

Signed By : XXXX XXXX XXXX XXXX. XXXX.
Product: Debt collection

Calls from " Harris and Harris '' a debt collector. XXXX I called this number XXXX/XXXX/2016 to tell them I owe no one, they hung up on me.
Product: Debt collection

In 2008, I opened an account with XXXX with some roommates. After I moved out, I made the mistake of keeping the XXXX contract / service under my name. When my roommates moved out, they never returened the equiptment so XXXX XXXX charged me XXXX for the returned equipment that was never returned. I was unaware of this and now I am receivign a collection notice from a debt collection company called Afni , Inc . Address of XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, IL XXXX. This debt is over seven years old. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 ( " FCRA '' ), my outstanding debt should have been removed from my credit report. My questions are, why has n't my outstanding debt been removed from my report and why is this collection agency continue to harass me?