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

i am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, Which violates 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 not did comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. these actions has caused significant inconvenience and financial loss and i seek redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three major credit bureaus are reporting false information about me and my financial status. There are multiple inaccuracies that need to be removed from my report as they do not belong to me. The following is a list of companies and the inaccurate information. 

Transunion : XXXX ) XXXX XXXX XXXX XXXX  ( This account does not belong to me ) XXXX ) XXXX XXXX ( This account does not belong to me ) XXXX ) XXXX BANK ( This account does not belong to me ) XXXX ) XXXX XXXX XXXX -XXXX XXXX  XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX SERVICES XXXX XXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX XXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 
XXXX ) XXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX XXXXXXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX XXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX : XXXX ) XXXX XXXX XXXXXXXX XXXX ( This account does not belong to me ) XXXX ) XXXX XXXX ( This account does not belong to me ) XXXX ) XXXX BANK ( This account does not belong to me ) XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX SERVICES XXXX XXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX XXXX XXXX  ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX XXXXXXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX XXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX : XXXX ) XXXX XXXX ( This account does not belong to me ) XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX This account does not belong to me ) XXXX ) XXXX XXXX & XXXX XXXX XXXXXXXX XXXX XXXX UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX XXXX XXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ).
Product: Credit card or prepaid card

On or about XX/XX/XXXX, I received a letter informing me that my Citibank XXXX XXXX Mastercard account which I had maintained for the last 32 years was closed due to one or more late or returned payments within the past 6 months. Upon calling to bring my account current, I was informed that I can request a review to reopen the account and to keep all cash-rewards points Ive accumulated while having an active Citibank XXXX XXXX Mastercard. During the phone call, I provided all information required for this review. On XX/XX/XXXX, Ive received a letter from the bank with very little detail, stating that the bank was unable to reopen this account. Additionally, on XXXX XXXX XXXX  I received communication that all previously earned cash rewards were forfeited due to the account being closed. I had multiple conversations between these dates with Citibanks customer service supervisors to reopen the account and to reclaim my points, or just to reclaim my legally earned cashpoints. They can only make the request to the credit cards group and have that department make a determination. Apparently, there are no other individuals at Citibanks credit card business that I can interface with regarding my credit application. 

To summarize, in the middle of a national pandemic where almost 40 million Americans are jobless and 100 thousand deaths, Citibank, after a 32-year relationship, abruptly closed my only personal credit card and therefore forfeiting all earned cash rewards which is estimated to be {$2700.00}. In addition, Citibank unreasonable refused to review or reopen an account for a long-term customer who has an exceptional FICO score of over 800, and who has never missed a single payment prior to this technical error from their own system. 

It is my belief that during this pandemic and shut-down, many companies are short-staffed. Companies do not have the same manpower to fairly and accurately complete a thorough review. Simply rubber-stamping decline as per the companys policy does not accurately reflect the Heartfelt Thanks Memo sent by XXXX XXXX Citibank XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX where he discussed understanding, flexibility, assistance, support as top priority and obligation. Regardless, during these unprecedented and challenging times, having my account reopened and reclaiming my cash rewards is vital for my family and for me as it is my only personal credit card. 

In this complaint, it is clear that Citibank has acted very unfairly to a consumer. At a minimum, customers who earned cash rewards or points through the use of credit cards should still be legally entitled to them for a stated period of time after the account has been closed either per customers request or by the institution. For a major US financial institution to unilaterally close a customers account for whatever reason then revoke all rewards earned without notice during a health crisis and soon-to-be a financial crisis is just unconscionable. I hope that this complaint against Citibank falls within the mission of the CFPB. I would like to thank the agency ahead of time and hope for a resolution shortly. 


Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Experian credit bureau has not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the account XXXX XXXX  XXXX. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the charge-off posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the 4 parties. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2015 Balance : {$1000.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Debt collection

original billing was with XXXX I told them to cancel long before billing I sent them notice they billed me anyway now the bill is in collection with a company out of XXXX not licensed in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights.15 usc 1681 section 8 states I have the right to privacy 15 usc 1681 section 604 a section 2. I also state a consumer reporting agency can not furnish my account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received multiple credit inquiries on my account that were not made by me. Here is the list below. Ive put a freeze on both my Transunion and XXXX credit reports as of right now. 

XXXX XXXX XXXX XX/XX/2021 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 or other personal consumer reports

I am filing this formal complaint against XXXX XXXX XXXX for : Harassment and unethical debt collection practices Inaccurate and misleading credit reporting Improper use of law enforcement for debt intimidation Violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) Their actions have caused emotional distress, financial harm, and a negative impact on my credit report XXXX XXXX XXXX engaged in harassment to collect the debt, including involving law enforcement to intimidate me into making payments. This behavior is unethical, abusive, and potentially unlawful under federal debt collection laws. 
XXXX. Inaccurate and Inconsistent Credit Reporting : The auto loan account, opened on XX/XX/XXXX, was closed on XX/XX/XXXX, after the vehicle was returned to XXXX XXXX XXXX in XX/XX/XXXX. Despite this, the account is inaccurately reported as : Profit and Loss Write-off Transferred to Recovery Showing a balance of {$45000.00}, which is incorrect Additionally, during the process of trading in my previous vehicle ( which had a perfect payment history and was paid in full ), XXXX XXXX XXXX XXXX XXXX late payment to be reported on my credit report. For XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX This late payment was due to delays in transferring the vehicles ownershipan administrative error on their part, not a missed payment on mine.

3. Misrepresentation of Account Details : Throughout the collection process, XXXX XXXX XXXX has reported different outstanding balances and provided inconsistent monthly payment amounts. This lack of transparency is deceptive and misleading. 
XXXX. Failure to Correct Inaccurate Information After Dispute : Despite disputing these inaccuracies, XXXX XXXX XXXX and the credit bureaus have failed to correct or remove the false information from my credit report. 


XXXX. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 : 1681s-2 ( a ) : Requires creditors to report accurate information to credit bureaus. XXXX XXXX XXXX has reported inaccurate balances, payment histories, and account statuses. 
1681i ( a ) : Requires credit bureaus to conduct a reasonable investigation of disputed information. The investigation process was inadequate, and the errors remain.

1681e ( b ) : Requires creditors and bureaus to maintain maximum possible accuracy in credit reporting, which has not been upheld in this case.

2. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 : 1692d : Prohibits harassment, oppression, or abuse in debt collection efforts. Using law enforcement as an intimidation tactic violates this provision.

1692e : Prohibits false, deceptive, or misleading representations, including inconsistent debt amounts and threats without legal basis. 
1692f : Prohibits unfair or unconscionable means to collect a debt.

3. Potential Abuse of Authority : The involvement of law enforcement for debt collection may constitute an abuse of power and intimidation, which is outside the scope of lawful debt recovery practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Acct. # XXXX, Acct. # XXXX, Acct. # ending in # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1666B : 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 or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX ), Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX XXXX XXXX of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX with a balance of {$1700.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

This is my numerous request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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: Mortgage

I have been trying to get a loan modification from Freedom Mortgage since XX/XX/XXXX and have been getting conflicting information and they constantly ask for the same documents. They did deny the modification and I appealed on XX/XX/XXXX but I have not received any written communication on the status of the appeal. They are still however asking me for the same documents. My spouse is not a co-borrower but they told me they need his financial information and then they told me I did not need to and now again they want the information.
Product: Debt collection

I asked this company to validate this debt with a letter including all financial information regarding this debt and they responded with with requesting for me to give my credit or debit card information in order to recieve the validation of debt. This is unacceptable and if the validation of debt cant be provided I would like for this debt / collection to be removed from credit report immediately
Product: Credit reporting or other personal consumer reports

I have advised Experian that I am a victim of identity theft and provided all the necessary documents & they have responded that my attempt to block these fraudulent accounts from my credit file was not granted because I received goods!! I have never received anything from any of these reports companies! Experian please provide me with proof where I received good from these companies!!! I have even provided proof from the company XXXX  reporting on my credit profile which lets me know that Experian is not doing a proper investigation. You are currently violating my rights. This will be my last and final attempt to remove these fraudulent accounts that was opened without my knowledge or permission. My next step will be legal action against you!!
Product: Mortgage

The service provider is " The Money Source ''. My loan number : XXXX I made principal only payment and accepted by the service provider. The amount ( {$5300.00} ) is much bigger than the monthly payment ( {$2200.00} ). The lender moved the fund to suspense account without justification. I tried to contact them but no satisfied result.

Detailed timeline : 1. My loan was closed on XX/XX/2020. 
2. I made 2 principal-only payments ( specified payment is principal only explicitly in the system ) on XX/XX/XXXX and XX/XX/XXXX, {$2600.00} each time ( {$5300.00} total ). 
3. The fund was applied to principal successfully but on XX/XX/XXXX, it moved to " suspense ''. 
4. I called and some representative helped me to move it back to principle on XX/XX/XXXX. 
5. But it became " suspense '' again 1 day later on XX/XX/XXXX. 
6. I called again and told my loan was transferred to Mr.Cooper and the official transfer date is XX/XX/XXXX, and the representative told me that's why the fund became " suspense ''. They told me the fund would be transferred to the new service provider ( XXXX XXXX ) and TMS won't pay any interest for the period the fund was held. 
7. Now I have an account with XXXX XXXX but I can not see my {$5300.00} applied to principal balance.
Product: Credit card or prepaid card

This is a complaint for CITI cards. 

I have made an electronic payment to CITI card from my account that was added and accepted through Citi card as my payment account. This account is held in XXXX in Hawaii. 

I made a payment from this FHB account to my CITY card on XX/XX/2021 in the amount of {$6400.00}. This payment has gone through and citi card print screen is enclosed ( to show that this payment went through ) Couple days later when I checked the credit card online again I noticed Citi cards reversed a payment. and charged me a Fee of {$39.00} for returned payment. 

So I set up an autopay from the same FHB account to my CITY card. The autopayment was accepted and put the payment to go through. Again the same thing happened. I payed {$92.00} on autopayment and when I checked another 2 days later the payment have been not accepted ( but it went through ) Consequently I have been charged another {$39.00} return fee. And of course because my first payment did not go through and was unable to make this full payment I was now charged an interest in the amount of {$81.00} Next thing I did before leaving on vacation and having to go through all this hassle I sent in a check. Which was returned because in all the stress that my payments weren't going through I forgot to sign the check that I have sent ( again from the same account ). So I am stuck with another {$39.00} return payment fee and of course now with late fee of {$39.00} and another month interest of {$82.00} ( I was gone in XXXX for a month and did not have access to proper phone to resolve the issue ). 

I called the Citi cards on XX/XX/2021 at XXXX AM XXXX and wanted to talk about this problem. I was transferred 3 times and then of course hung up on. 
My other attempts to contact them were unsuccessful. A person can not contact them online at all. There is no email address. They used to have this chat, but now the chat is only controlled by the XXXX not a real person and can not really do anything remotely close to what I needed the help with. Trying to get the right person on the phone is a hours long feat and who has the time for that? 

I went to visit my XXXX ( XXXX XXXX bank ) to see if they can help with the problem. 
They told me that the issue is not on their part and that my account has not been blocked or stopped to process these payments in any way. 

Now Citi claims that this payment account has been canceled but when I tried to add it again, the web site gives me automatic response that this account already exists. ( all this is documented with attachments below ) I don't know what else to do. I am enclosing all the information I have here
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Federal Trade Commission XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Immediate Deletion XXXX XXXX XXXX Account/ Violation of Privacy Dear Sir/Madam , I am writing to formally request the immediate deletion of my account with XXXX XXXX Acceptance and to report a violation of my privacy rights by TransUnion. I did not provide oral or written consent for TransUnion to share my personal information with third-party companies, specifically XXXX XXXX  and XXXX IQ. 

According to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, section 602 ( a ), it is imperative that consumer reporting agencies operate with fairness, impartiality, and respect for the consumer 's right to privacy. As a consumer, I have the right to ensure that my private information is not shared without my consent. The FCRA emphasizes the need for accuracy and fairness in how my personal information is handled by Credit Reporting Agencies ( CRAs ).

Furthermore, 15 USC 6801 establishes that financial institutions have an ongoing obligation to respect the privacy of their customers and to protect the security and confidentiality of nonpublic personal information. The actions of TransUnion in this case indicate a clear mishandling of my personal information, which is alarming and unacceptable. 

I urge the CFPB to hold TransUnion accountable for these violations of the FCRA and to ensure that my rights as a consumer are upheld. I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your assistance.