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

am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). 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 XXXX comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and XXXX XXXX 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 have been battling with this bureau for the last year to get some inaccurate items corrected on my credit report. I have   XXXX   XXXX   XXXX   XXXX   accounts showing on my credit report that shouldn ' t even be there but nonetheless I 've initiated over  XXXX  separate disputes and most recently I simply gave up because this credit bureau wrecks my score when they updated  XXXX  or more of these accounts and reflected it as a Paid "  medical data ''  account with the main derogatories reporting as recent as  XXXX  even though supposedly it 's been paid since  XXXX    XXXX  . This has caused a significant drop in m y credit score and is preventing me from moving forward on a home loan for m y family. I 've attached the document with markers to describe timeline. I feel as if this credit reporting agency allowed for this to happen so they could collect money for creditor reporting and ignored my wishes to remove account. Feels like retaliation and I only wanted the credit bureau to remove the account based on several inaccurate reporting factors and because I never got a full explanation of procedures used to verify the reports. This has caused significant undue stress on my marriage and family because the lender says because of the update from this agency the score dropped and we might lose our house. Please if consumer financial protection can help I would be very grateful. I 'm hoping that the facts can be seen and my rights under the FCRA will be honored.     Thank you,  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

During the Covid lockdown XXXX student loans has marked payments as late and shown my account default I want this removed due to finical hardships from covid 19.
Product: Debt collection

I am requesting the Capital One Account # XXXX listed on my Credit report with a balance of {$26000.00} be REMOVED because its being reported inaccurately. 
On XX/XX/XXXX Capital One was informed that the named vehicle/account was surrendered to them and at that time my Attorney requested proof of claim and also requested applications, contracts, pay history and Capital One failed to provide ( EXHIBIT A ) On XX/XX/2018 a signed AFFIDAVIT was issued to Capital One advising them of my SWORN STATEMENT that I in fact surrendered the AUTO to Capital One wrecker service XXXX  who was working on Capital One behalf. ( EXHIBIT B ) On XX/XX/2018 Judge XXXX XXXX XXXX freed me from this debt of {$29000.00} with Capital One because it was proven that I surrendered this automobile as instructed within my bankruptcy at the time. 
( EXHIBIT C ) Capital One stated that XXXX was in possession of car and that they received a call from XXXX stating the car was in a shop and if they did not pick it up after a certain time they would keep the car and sell it, CAPITAL ONE ALLOWED THE CAR TO BE SOLD OR KEPT BY XXXX!! 
BY LAW THE BALANCE SHOULD NOT BE {$29000.00} IF THE CAR WAS SOLD OR GIVEN TO XXXX PER CAPITAL ONE APPROVAL. I SHOULD HAVE A DEFICIENCY BALANCE WITH FEES AFTER THE TRANSACTION NOT THE FULL PRICE OF THE CAR UNDER THE PROVISIONS OF THE FAIR CREDIT REPORTING ACT ( FCRA ), I DEMAND THAT THE FOLLOWING ITEM IN MY CREDIT REPORT BE REMOVED. 
Capital One Account # XXXX I have attached the proof ( EXHIBIT A-C ) that the above items are inaccurate for your review. 
Under the FCRA you must get these items removed within 30 days of receipt of this letter, to avoid violation of the law. 
Please notify me of the changes and forward me an updated copy of my credit report to reflect changes UNDER THE PROVISIONS OF THE FAIR CREDIT REPORTING ACT ( FCRA ), I DEMAND THAT THE FOLLOWING ITEM IN MY CREDIT REPORT BE REMOVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion on XX/XX/2023 and spoke with XXXX XXXX who refused to provide me details of my previous disputes and the creditors removed as a result of those disputes. He also refused to escalate the call to upper management stating " the buck stopped with him there was no else who I could speak with. I explained that multiple creditors who were previously removed through the dispute process were resold to third party collectors. I recently disputed the accounts that are now back on my credit report and Transunion concluded they were valid w/o any actual proof from the creditors only by electronic confirmation. Transunion has failed to make sure that the information that is being reported is true and accurate. If I am disputing an account due to it being nearly XXXX Years old why aren't they asking for proof of the debt I'm disputing due to it being to old. Why are they allowing the creditors to simply send electronic correspondence with the exact information they are reporting. Transunion refusal to provide previously disputed information is a direct violation of the FCRA which is allowing them to not be held accountable for their wrong reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent transunion a letter on XX/XX/2021 requesting the reinvestigation of the following accounts that are on my credit report. Transunion 's previous investigation failed to correct the inaccuracies that I presented to them in the previous letter. This inaccurate information still appear on my credit report despite me providing evidence to help show that inaccuracies were being furnished on my report. I would like these items immediately re-investigated and for good reason. These inaccuracies are highly injurious to my credit rating and affecting my state of mind..
Product: Checking or savings account

Someone obtained my acct info @ XXXX XXXX. Opened an online banking acct ( I never have online banked ) Moved total of XXXX. out of my acct into theirs using ZELLE . 
I did not authorize. Bank has denied my claim for reimbursement.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ XXXX ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX  XXXX XXXX XXXX ] Account Number : [ XXXX ] Reason : [ NEED THIS ACCOUNT REMOVED FROM MY PROFILE IT KEEP REAPPEARING. LOOKING TO BUY HOME SOON. ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Mortgage

On XXXX XXXX, 2016 I submitted an electronic withdraw payment from my XXXX account to pay my mortgage with Ocwen Loans. On XXXX XXXX, 2016 I received an email, on my bank statement, and electronic withdraw statement from my bank that the funds were withdrawn from my account and sent to Ocwen. Ocwen reported to me that they did not receive the funds until XXXX XXXX, 2016, making it 30 days late. Because it has been 30 days late, it is now showing on all three of my credit report. I talked to XXXX XXXX an escalation department manager. I emailed him documents that showed that the funds were sent and paid on XXXX XXXX, 2016. He talked to his accounting department, they reported to him, and he reported to me on my voicemail that they can not remove the 30 days late from my credit report. I 'm not satisfied with their decision, and I want the 30 days late to be removed from my credit report. I showed proof that this payment was paid in full by the XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

The company XXXX has obtained my consumer report on XX/XX/2023 without my knowledge or consent. I have not given written or verbal consent to XXXX to access my consumer report. This is a violation of my rights under the fair credit reporting act ( FCRA ), specifically 15 USC 1681.
Product: Credit card or prepaid card

I went to the computer this morning to try to make a transaction to begin the process of sending web traffic to my websites. ( 4 of them ). The cost was supposed to be $ XXXX/month. All of my credit and debit cards were declined as if they were being blocked by the computer system for suspicion of being fraudulent. I would like to block on the cards lifted so that I can continue to operate my website businesses.
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 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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: Mortgage

The description provided is a brief explanation of what happened. I have attached copies of corresponsdence between Ocwen and I which outline the specifics of my claim along with supporting documentation. Please refer to the documentation for more details. 

Ocwen erroneously expedited my 10 year interest only loan by demanding that I make a full principal and interest payment as of XXXX XXXX, 2015. Not only did Ocwen 's claim violate the terms of the mortgage note agreement but their blatant disregard for their error is unethical and dishonest.
Product: Debt collection

Common wealth financial systems reported on all XXXX of my credit reports on XXXX and changed the status to " collection '' on XXXX/XXXX/XXXX. This debit was discharged XXXX XXXX in chapter XXXX bankruptcy. I contacted Common wealth financial systems at XXXX spoke with the supervisor XXXX XXXX and he stated to me " this is not common wealth 's problem because they have this debit reported as in collections as of XXXX XXXX '' He was informed the debit was discharged in chapter XXXX in XXXX XXXX and he stated " Common wealth does not investigate this and as of XXXX XXXX it is a collection that is due ''. What can i do about this stuff being reported to my credit. I have submitted packages to XXXX, XXXX and XXXX in XXXX XXXX to dispute the XXXX XXXX acct placed on my credit and Common wealth updated the status on XXXX/XXXX/XXXX to " collections '' I have been denied credit since XXXX XXXX and most recent XXXX XXXX reporting.
Product: Mortgage

CFPB closed XXXX. 

Shellpoint offered me an unaffordable modification which was not based on my XXXX application because Shellpoint offered a streamline modification after I submitted my complete XXXX mortgage assistance application. 

Shellpoint did not provided the required documentation for how it calculated the {$1000.00} or what other options that it looked at in response to my completed XXXX mortgage assistance application. 

Shellpoint did not include the interest rate, which should have been 2.75 % for a Streamline Modification. Shellpoint did not provide a breakdown of how trial funds would be allocated or how the interest rate should affect the payment.
Product: Payday loan, title loan, or personal loan

I applied for a loan with this company which I was denied for. The issue that I have is that pursuant to federal law, they do not have the right to deny me my own credit. I am the original creditor and I am the one who will fund this consumer credit transaction with my social security card. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( 1 ) which is " the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit ''. Notice, congress said ANY card. The credit card is my social security card. This is the credit card I will be using to originate this consumer credit transaction in exchange for money which the law states I have the right to do. This company is falsely advertising a " loan '' which does not exist. The term " loan '' is not defined anywhere in Title 15 Chapter 41, therefore it does not apply to consumers. The only type of transaction that exists involving a consumer are consumer credit transactions. Pursuant to 15 USC 1679a ( 2 ), the term consumer credit transaction means any transaction in which credit is offered or extended to an individual for personal, family, or household purposes. So, this company is falsely advertising that they provide " loans '' when in actuality they are denying me my own credit.
Product: Credit reporting or other personal consumer reports

The companies XXXX XXXX account number XXXX and Moneylion account number XXXX accurante information is on my credit report from this company the days late section is different from all three bureaus and i will like to have them deleted
Product: Debt collection

Received a letter from Dynamic Recovery Solutions for a debt. I do NOT know who the Original debit is from. I do NOT owe this debit. Past STATUE OF LIMITATION! Have NO clue where this debit come from. This is a 3rd Party who bought this for XXXX  's on the dollar to collect a old debit that is PAST STATUE OF LIMITATION!
Product: Money transfers

I have been using Western Union to send money to friends for years.All of a sudden I have been blackballed from using their services..I am not allowed to send or receive money, I asked why and was told they wanted a photo copy of the persons ID I told them a photo ID was shown at the time of my friend receiving money as well as mine being seen to send money.The transaction was still denied.I was asked for more information which I provided, my place of work, my pay stub, the reason why I was sending money, I was still denied.I never did anything to deserve this. .They have not given me any reasonable or sensible explanation.I only get its their privacy policy.
Product: Credit reporting or other personal consumer reports

This letter is a request for a detailed account of the steps your company took when investigating the disputed item. Please provide a thorough explanation of how you obtained these results. Specifically, did you receive written notification from the company, or was it a verbal confirmation? 

Additionally, I would like the address you sent the request to or the phone number you used to contact them. Please do not send a generalized response outlining the standard investigation procedures. I am requesting a detailed explanation of how you received this specific response. 

Below is the account I am disputing : XXXXXXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I received a email from PayPal on XX/XX/XXXX that PayPal is going to withhold my account balance for 180 days without any reasonable explanation. 

Then PayPal withdrawal the remaining balance of {$300.00} on XX/XX/XXXX from my accounting citing correction reasons and failed to disclose what's the detail charges. 

PayPal customer service failed to provide any reasonable explanation towards the freeze on my account and refuse to return my money. Therefore, I am filing a complaint again PayPal.
Product: Credit card or prepaid card

XX/XX/2017 I applied and was approved for a XXXX credit account through TD bank. However, my purchase was not allowed by XXXX due to what I understand to be a fraud block. I received this information from TD bank and it was later verified by XXXX. In multiple occasions I was told that the back office handles these issues and someone would get back to me. It 's been over 45 days and I was finally told today that XXXX was unable to verify my information. That 's odd because I was never contacted for verification of anything. I was told that this was done through a computer system. This makes no sense to me. The computer system is what blocked the account in the first place. Meanwhile, I have an account in my credit report that I ca n't use. This appears to happen a lot as several people have posted on the XXXX forum and have yet to see a resolution. My order number is XXXX and the issue number is XXXX.
Product: Mortgage

Ditech is changing the amount and date I make my mortgage payment. I have to call and email because they also have been placing the entire amount on principal. They no longer allow me to see my payment history on line, as I have been using it for documentation ... it constantly changes. On XX/XX/2019 I made my XX/XX/XXXX payment with an additional {$200.00} to go to principal. Ditech put the entire amount on principal and changed the date I paid it to XX/XX/XXXX and only show my payment with no principal ... this is after I emailed and called 2 times. They have been putting the entire amount each month on principal ... even putting a late charge on me in XX/XX/XXXX ... though I paid it early.They assure me it has been taken off. Now I am unable to even know what they are doing as they dont allow me to see it on line how they keep changing the amounts and dates that I pay ... this cant be legal!!! How can I get them to do their job? How can they change their dates. XXXX # XXXX in the XXXX the last person I talked to said it would be fixed by the end of last week. He also stated that because I paid it on XX/XX/XXXX five days early that Ditech put it on principal because the payments no due until XX/XX/XXXX ... really?! Help! Ditech is constantly screwing up my mortgage! This has to stop!
Product: Credit reporting or other personal consumer reports

I am writing to express my absolute outrage at the egregious violations of the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681I ) and the shocking absence of Metro 2 compliance evident in your recent reporting. Transparency, accuracy, and adherence to standards are non-negotiable, and it is abundantly clear that your actions have fallen disgracefully short of these expectations. 



Upon reviewing the credit report you provided, it is blatantly evident that it fails to adhere to both FCRA and Metro 2 data field formatting standards. This not only raises serious concerns about data accuracy but also highlights a complete disregard for established reporting processes.

In light of this deplorable situation, I formally demand that you provide me with a document outlining all evidence supporting the inaccuracies in my report. This document must be verified and complete with sources. Any deviation from the XXXX XXXX XXXX XXXX XXXX ( XXXX ) standards jeopardizes the integrity of dataa matter of grave concern. 



Furthermore, I insist that you take immediate and aggressive action to rectify any false accounts on my credit report. Address the non-compliance with XXXX XXXX standards and ensure my credit report adheres strictly to the established formatting standards. Remove any inaccuracies and false accounts promptly to comply with FCRA and Metro 2 standards. 



In accordance with the FCRA, I am entitled to sue for up to {$1000.00} per violation and Your immediate attention to this matter is not only crucial, but it is also imperative. Further non-compliance will result in swift legal action within [ 30 days ]. This is your final opportunity to rectify these violations promptly, or I will pursue legal action to remedy these violations and demand the immediate removal of inaccurate information. 



Furthermore, I remind you that you must immediately remove any unproven claims listed from your reporting. I demand nothing less than 100 % accuracy on my credit report, and I expect only factually accurate, verified, and compliant data to be documented in it. This includes claims that may comply with necessary reporting practices mandated to be certifiably compliant, especially the mandatory and complete Metro 2 Compliance standards set by XXXX in their XXXX, where it is clearly stated that any deviation from these standards jeopardizes the integrity of the data.
Product: Credit reporting or other personal consumer reports

Complaint Against Equifax for Re-Reporting Fraudulent Account in Violation of the FCRA To Whom It May Concern, I am submitting this complaint against Equifax for re-reporting a fraudulent account on my credit report, despite previously deleting it after a dispute and an investigation triggered by a CFPB complaint ( Reference : XXXX ). This is a clear violation of the Fair Credit Reporting Act ( FCRA ) and prior CFPB enforcement actions against Equifax regarding similar unlawful practices. 

Background of the Issue : Fraudulent Account Details Creditor : XXXX XXXX XXXXXXXX ( XXXX XXXX ) Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Total Fraudulent Amount : {$2900.00} Reason for Dispute : Identity Theft Previous CFPB Complaint & Equifaxs Response I previously disputed this fraudulent account and provided an FTC Identity Theft Report to Equifax. 
Equifax failed to resolve the issue within 30 days, so I filed a complaint with the CFPB ( XXXX ). 
As a result, Equifax deleted the fraudulent account from my credit report ( as documented in their response to the CFPB ). 
Re-Reporting of the Fraudulent Account Despite Equifax deleting this fraudulent account, it has now been reinserted into my credit report without any notification, which is a direct violation of FCRA 611 ( a ) ( 5 ) ( B ).

The FCRA prohibits credit bureaus from reinserting previously deleted disputed accounts without notifying the consumer in writing within 5 days. Equifax failed to do this, making their actions illegal.

Equifaxs Violation of Federal Law Violation of FCRA 611 ( a ) ( 5 ) ( B ) : Re-reporting a previously deleted account without providing written notice.

Failure to Conduct a Reasonable Investigation : Under FCRA 611 ( a ) ( 1 ) ( A ), Equifax must conduct an adequate investigation when a consumer disputes an account. They had already ruled this account as fraudulent and deleted it yet have now reinserted itwithout evidence to justify the reversal.

CFPB Enforcement Action Against Equifax : This is not the first time Equifax has engaged in illegal practices. The CFPB has previously sued Equifax for violations of the FCRA, particularly for failing to ensure the accuracy of consumer reports and re-reporting inaccurate information. ( See CFPB v. Equifax, XXXX ). 

Thank you for your time and assistance. 

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

here are a list of accounts either closed or collections but I never gave consent nor have I ever signed for any of these accounts 1. XXXX XXXX XXXX {$0.00} XX/XX/XXXX 2. ( DSNB/ MACYS ) DEPARTMENT STORES NATIONAL BANK/MACYS {$0.00} XX/XX/XXXX 3.XXXX {$1500.00} XX/XX/XXXX 4 XXXX XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XXXX {$0.00} XX/XX/XXXX