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

I filing a complaint against Cashapp ( 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: Debt collection

Previous claim # XXXX. I have repeatedly told Discover they are not allowed to contact and discuss my information with my mother and she continues to receive weekly harassing calls from Discover. I have told Discover the only number I can be reached at is my personal cell phone yet they keep calling my mother trying to collect from her.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violation 
XXXX XXXX XXXX XXXX XXXX 
$XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Radius Global Solutions has reported a delinquent medical from date of service XXXX for XXXX XXXX. Phone number on credit report stated the file was being handled out of another office and provided an XXXX #. I called several XXXX # s after being given direction by each XXXX # previously dialed to no avail. No one was able to assist. My insurance was supposed to cover payment for the {$1600.00} that is being reported but ai can not get anyone at the company to assist. Im applying for a home loan and this is affecting my credit score which is in turn giving me a higher interest rate. I want this collection removed from my report. Ok to speak to my wife XXXX XXXX.
Product: Payday loan

I applied for a payday loan with Check n Go. Prior to the repayment I forwarded several emails requesting a stop withdrawal of payment request due to a family member passing. I even had XXXX my sister contacted Check n Go and requested to speak with a supervisor but yet they still submitted the payment though they were notified that I unexpectedly had to go out of town.They decided several days later to respond. I have the emails to confirm my contacts. I was charged {$35.00} NSF by Check n Go and {$35.00} by my bank. I have a repayment plan and asking Check n Go to take responsibility for the {$70.00} fee and deduct from the amount I currently owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM REQUESTING THAT THESE ACCOUNTS BE BLOCKED FROM MY CREDIT REPORT BECAUSE THEY DO NOT BELONG TO ME. I HAVE REPORTED THESE ACCOUNTS TO THE FEDERAL TRADE COMMISSION, WHICH IN FACT IS A FEDERAL LAW ENFORCEMENT AGENCY JUST LIKE MY LOCAL POLICE. IM ALSO INCLUDING MY CURRENT UTILITY BILL, SOCIAL SECURTIY CARD AND MY CALIFORNIA DRIVERS LICENSE TO VERIFY MY IDENTITY
Product: Credit reporting, credit repair services, or other personal consumer reports

5 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. In accordance with the Fair Credit Reporting Act, the following accounts violated my rights. Thank you in advance : XXXX XXXX XXXX, US DEPT ED XXXX, US DEPT ED XXXX, USDOE/XXXX  XXXX, US DEPT ED XXXX, XXXX XXXX XXXX, US DEPT ED XXXX, XXXX XXXX, US DEPT ED XXXX
Product: Credit card or prepaid card

I have a $ XXXX promotional balance ( started on XX/XX/XXXX ) which was good through XX/XX/XXXX. As I was making payments to this card, over {$4600.00} of the promotional balance was paid off instead of Wells Fargo applying the payment to the interest bearing account balance. I have called Wells Fargo and they confirmed that after the minimum payment is made, remaining payment amounts are applied to merchandise purchases and cash advance first, then promotional balances. However, since I made 2 payment on XX/XX/XXXX ( $ XXXX and {$9900.00} ), they applied approximately {$4600.00} to the promotional balance at 0 % instead of applying it to the interest bearing merchandise balance. 

You can see from previous statements, payments were applied to merchandise balances first with a minimum amount being applied to the promotional balance. However, my XX/XX/XXXX payment was not applied in the same manner.
Product: Credit card

I've consistently maintained timely payments on this account and have never been late. I'm puzzled by the reports of late payment remarks on my accounts.
Product: Credit reporting or other personal consumer reports

Since XX/XX/year> I have been trying to get Transunion, XXXX, and XXXX to correct a few problems on all three credit reports. I have sent many dispute letters up to this point and only a little has been done to correct the problems. I am tired of dealing with their XXXX and would like the help of the CFPB. The problems remaining are the following. 

1. Transunion will not correct my address information. 

2. XXXX will not correct a late payment ( that was not my fault ) back to paid on time. Transunion and XXXX did correct this. 
XXXX will also not remove my past employment information. 

3. XXXX will not correct my address information and will not remove my past employment information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus XXXX, Equifax did not follow the law, I have disputed accounts and personal information and XXXX had updated Dispute accounts to addresses was use for Identity theft. According to the 1970 Fair Credit Reporting Act these unverified, incorrect and unauthorized addresses must be removed ASAP
Product: Debt collection

I recently obtained a copy of my credit report and noticed many accounts that I had no knowledge of.
Product: Credit reporting or other personal consumer reports

Requested verification from XXXX, Transunion and XXXX. But I have yet to receive verification of the accounts.
Product: Mortgage

I am writing to formally file a complaint regarding the handling of my mortgage escrow account by Mr. Cooper Mortgage Company ( also referred to as XXXX XXXX  ). We recently discovered a significant discrepancy in our escrow account that the company has been unable or unwilling to explain adequately. 
This is the second time I have questioned this escrow adjustment, and it is worth noting that this issue has also been flagged by three separate mortgage professionals who have reviewed my account and expressed concerns. Despite repeated attempts to get clarity from Mr. Cooper Mortgage Company, I have yet to receive satisfactory answers.

According to a recent statement from Mr. Cooper Mortgage Company : 1. Our insurance premiums increased from {$2800.00} to {$4300.00} annually.

2. Additionally, a mortgage insurance policy was purchased for {$2300.00}, resulting in an escrow shortage of {$9800.00}.

3. When checking the Mr. Cooper website today, I found we are being charged over {$3000.00} for XXXX XXXX that was canceled in XXXX. I have the cancellation policy from my former insurance company, which confirms that the refund was already processed. However, Mr. Cooper is charging us for this and adding it to our " new '' escrow amount starting in XXXX. 
While we understand that changes in insurance premiums or taxes can affect escrow balances, the numbers presented by the company do not add up, and we are deeply concerned about potential mismanagement or improper charges. 
Here are our main concerns and questions : 1.Unexplained Insurance Increase : Our loan officers confirmed that our insurance should be approximately {$200.00} per month, not {$1000.00}. Why is there such a drastic discrepancy? We have been paying on this home for over a year and were never notified of a shortage until the loan was transferred to Mr. Cooper.

2.Forced-Placed Insurance : Did Mr. Cooper Mortgage Company force-place insurance on our account? If so, what justification was used, and why were we not informed? Does the coverage amount on our current policy fail to meet loan or property value requirements?

3.Replacement Cost Estimator : Was a replacement cost estimator used to determine the necessary insurance coverage? If not, why?

4.Escrow Payments : Our escrow payment is almost {$1000.00} per month, but even accounting for insurance and taxes, this is far higher than necessary. Why are we being charged such a high amount, and where is this money going?

The lack of transparency from Mr. Cooper Mortgage Company is unacceptable, and the financial burden of this unexplained escrow shortage is causing significant hardship. Despite repeated inquiries, I have not received a clear and detailed explanation of these charges. 

Thank you for your time and assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had one late payment on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payment for the account : XXXX Account number : XXXX, please investigate and provide proof with statements showings that this payment was late. if proof can't be provide i demand this payment be updated on time as they should be as i was NEVER late. thanks
Product: Credit reporting or other personal consumer reports

After checking my TransUnion credit report on XX/XX/XXXX, These inquiries do not have permissible purpose and is not in accordance with the Fair Credit Reporting act,. The List of inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 B. Delete these inquiries. 

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

in accordance with the fair credit reporting act XXXX XXXX XXXX violated my rights 16 U.S.C 1681 602 [ A ] states I have the right to privacy.

16 U.S.C 1681 604 [ A ] section [ 2 ] it also states a consumer reporting agency can not furnish an account with permission or written instructions by consumer
Product: Credit reporting

I am a victim of identity theft and I received a fraud alert in regards to unauthorized and fraudulent credit inquiries listed on my Equifax credit report. The following inquiries credit inquiries are unauthorized and fraudulent : XXXX XXXX Bank, 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

DATE : XXXX COMPANY NAME : CASH CENTRAL COMPANY NUMBER : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I HAVE NO IDEA HOW THIS IS ON MY CREDIT REPORT RECENTLY STARTED BUILDING MY CREDIT IN XX/XX/2022 WITH NO NEGLIGENT PAYMENTS OR ETC. BUT THE XXXX APP WAS UNLOCKED IS WHAT WAS NOW BROUGHT TO MY ATTENTION NOT SURE IF THIS IS WHY BUT WHEN I CALL NUMBER ATTACHED ON REPORT THE SAY THEY CANT FIND NOTHING WITH MY NAME MY MEANING FOR THIS MESSAGE IS FOR A REMOVAL OFF MY CREDIT REPORT
Product: Credit reporting or other personal consumer reports

My auto loan with XXXX was paid off on XX/XX/XXXX. 

They correctly reported the account closed and paid in full XX/XX/XXXX, but then reported it open again with a full balance of {$37.00} on XX/XX/XXXX. 

Transunion showed the account still open with a balance as of XX/XX/XXXX. 

I disputed it as inaccurate on XX/XX/XXXX and they apparently again changed the account to closed and paid off on my credit report. 

However, again several days later changed it back to open and denied the dispute saying it was accurate as-is. 

I opened another dispute today stating that the account was paid off in full the last week of XXXX, and is closed and paid in full as agreed. 

I then called XXXX a few minutes ago to see why they are apparently telling Transunion the account is open with a balance when it is paid off and closed. 

The XXXX representative told me that they only report to the bureaus at the end of each month. 

I asked why then did you report it as open with a balance at the end of XXXX when it was already paid off? 

As well, I asked why did they tell Transunion when I disputed the status of the account on XX/XX/XXXX that it was still open? 

Their answer was that at the end of XXXX they will report to the credit bureaus that the account is closed and paid off in full, which is a full two months AFTER it was paid, and AFTER they've already falsely changed the status from the accurate status of closed and paid, back to open with a $ XXXX balance! 

I said that does not answer my question as their report to the bureaus in XXXX was inaccurate and false since the account had been paid in full and closed in good standing, AND it had already been accurately reported as closed and paid in the first place! 

As well, I said that also does not answer my question as to why they falsely reported my account still open to Transunion in XXXX when I filed the dispute on XX/XX/XXXX about the status. 

XXXX has now knowingly reported false and inaccurate information to Transunion at least twice within a 60 day period. 

Upon contacting them today, they declined to correct any of the inaccurate information they have reported and are purposefully declining to comply with the FCRA. 

They are knowingly violating my right to dispute false and inaccurate information they report about my credit to the bureaus. 

This willful failure to follow the FCRA has now significantly and negatively affected my credit rating with the bureaus. 

As a small business owner that depends upon my credit rating to help attain needed capital to support my business, and fund payroll for my employees between client project payments, this willful violation of the FCRA is directly negatively affecting my livelihood and financial capabilities to successfully run my business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have loan with ACHIEVE PERSONAL LOANS. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XXXX. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or correct the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

1099 of charge off and statements of my Name stating it is my account as this account does not have my name on it nor does it have my address.
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This just proves that 3 Credit Bureaus is lack proper record keeping. The Bureaus are required to verify for themselves but I will go ahead and remind you that this accounts were paid, closed, and no longer active. Provide documentation that the Bureaus have not abrogated my rights by reporting false information, otherwise remove these accounts immediately. 

AMERICAN EXPRESS XXXX XXXX XXXX, XXXX {$9100.00} ; AMERICAN EXPRESS XXXX XXXX XXXX, XXXX {$9100.00} ; AMERICAN EXPRESS XXXX XXXX XXXX, XXXX {$1600.00} ;
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Acts Capital One, 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 instructions.

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 d purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputes letters to all 3 bureaus XXXX, Experian and XXXX about incorrect and invalid information on my credit reports. They have failed to respond to me. I sent a demand to comply letter to all three in hopes of getting a response.
Product: Credit reporting or other personal consumer reports

Everything I try to dispute information through XXXX with this business, Toyota, Toyota opened my closed account causing inaccurate information and a decrease in my scoring. XXXX allows this each time Toyota does it. A closed account is closed, not opened. Yet somehow they continue to report thus account open to XXXX and XXXX keeps allowing the inaccurate information and a decrease in my credit score.
Product: Debt collection

SW Credit System or Southwest Credit or XXXX XXXX or XXXX XXXX or Southwest Credit Systems or XXXXXXXX XXXX Or whoever they are calling themselves today. Has placed an item on my credit reports showing XXXX as original creditor with an open date of XX/XX/2017 in amount of {$300.00} I have no idea who this company is nor have I ever had any business relationship with them. I do recognize XXXX but most certainly did not have service with them a year ago. A quick search turns up many complaints and statements such as " One of Southwests favorite collection tactics is to furnish negative information on the alleged debtors consumer credit report. '' Apparently whether they actually have the debt or not. The debt is not mine has been plced by mistake or fraud.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX contacted me in XXXX concerning a debt they claimed I owed for a trip to the ER in XXXX 2016. This was the second collection company to contact me concerning this supposed debt. As with the first company, I submitted the documents showing I had taken out a loan through XXXX XXXX to pay the remainder of this bill off as I had been paying it down. This was the result of an accident, however, the Doctors continued harassing me about the fee so I went ahead and paid it before the settlement. 

The matter seemed to be resolved and I heard nothing else. I asked that I be given written proof that the matter was closed, but as with the previous collector, they just disappeared. Now, I am receiving daily calls concerning this. One day I tell them what happened and they say sorry, and hang up. Today, someone named XXXX informed me I was going to pay and nothing I sent proved it had been paid. The name, the account number all match, so she then told me they have been sending me letters I have been ignoring. I have received one letter, which I responded to, other wise they would not have the documents I faxed to them they claim don't match. When I mentioned they were the second collector to try and collect this she informed me they were the third. I have not heard from any but the first and now XXXX, however, her statement seems to prove my assertion that this is a bogus claim. Why would multiple collectors drop this matter if it was real? 

To simplify matters I then asked her to give me the account number if it was different from what I had faxed to them. She refused. She would offer no proof that this was a different account/bill and she simply kept speaking over me telling me to go their website. She then informed me I was being transferred to a manager and was put on indefinite hold until I hung up.
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 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 or other personal consumer reports

I just found several inquiries from your company on my credit report, and Im beyond upset. I never authorized them, and now my credit score is taking a hit. This is directly affecting my ability to manage my finances, and Im tired of dealing with the fallout
Product: Payday loan, title loan, or personal loan

I was on the phone with a citi manager representative XX/XX/XXXX, debating about a late fee that I just occurred. I just took a new loan with them and I thought the payment was different than my usual one. That Manager has zero skill of customer services. She said I had 2 late fee removed one in XXXX and one in XXXX and also that I occurred 5 late fees which I gladly paid. The fees and interest I paid them is not worth debating a XXXX $ late fee, she should have just remove it. I have been with them for a while now and never had any trouble until today. The worse for me is that she has the audacity to hang up on me after arguing and getting me more pissed off. I called back and ask her why she did it and she said it was because I was frustrated. Im a XXXX XXXX myself and the best way to calm a customer down is to listen to their frustration even though you know there is nothing that can be done. It is very sad to end a long term relationship, for a person representing Citi that have poor knowledge of customer service. This is the first time I experience this type of disrespect and she is supposedly a manager. What a shame what a shame very disappointing. That so called manger might move on to better opportunities while because of her The Citi company name will be tarnish forever. She let me know that there was nobody higher than her, no one can call me back, and no one to take my complaint about her poor handling of the situation. She gave me a fax number XXXX and a P.O. Box what a joke. Since Citi doesnt have a place to listen to my complaints, I will use this platform to express my disappointment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I established a credit report account with XXXX to see my current credit score and was surprised with countless fraudulent and false accounts that weren't done with my consent. I sought legal counsel to further educate myself on such crimes because it is the first time I experienced such fraudulent activity. In my country there is no such crime due to the lack of resources so apparently I would like to see these accounts removed from my credit report because they weren't my doings. I am extremely shocked and embarrassed to learn that people can be victims to such fraud without having any physical proof of identity to attain such accounts without legal consent. Please again remove these false items from my credit report as soon as possible. Thank you!