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 violate the Consumer Financial Protection Act ( CFPA ) l. 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, there 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

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 those account 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. 

XXXX XXXX XXXX XXXX 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

They call my parents house repeatedly, all day despite them not being associative with the account in any way.
Product: Debt collection

When the CFPB check my previous and past complaints filed against XXXX XXXX and the XXXX XXXX XXXX XXXX, the information I recently received from a Company calling itself a XXXX XXXX has completely ignored any of the violations, False reporting, fraud, tampering and accounting issues that I was subjected to from these student loan companies. This company calling itself XXXX XXXX XXXX sends out letter after letter requesting full payment of XXXX with a statement " You don't have to break the bank to pay back your student loan. '' My case remains open with XXXX XXXX and I haven't received any updates from XXXX XXXX since XX/XX/XXXX regarding looking into my payment history dating back to XXXX. I have only been informed that the company was still investigating it. I had also requested to be reimbursed for payments that I had made towards a student loan that had been altered/modified by multiple student loan servicing agencies targeting Low Income/Minority students in XXXX California in the Mid XXXX through the early XXXX. My Hardship Chapter XXXX Bankruptcy was ignored, my XXXX XXXX in the late XXXX was rejected and the manipulation, threats, harassment, obscenity and alarming my Employer about this student loan continued for years. This notice for payment is only a continuation of the abuse.
Product: Checking or savings account

On XX/XX/year> I deposited a third party check XXXX {$2300.00} that was endorsed/made payable to me through BMO 's Mobile Deposit feature. I live in Texas and BMO does not have any branches in Texas therefore I could not deposit the check in person. My daughter locked her keys in her car last night so I had to call a locksmith to get the car open and when I went to pay them, the payment was declined. I called BMO and was told ( very rude and callously ) that my entire account was frozen and they were not allowed to tell me why. The young man told me that the " security '' department would have to tell me why but they were closed for the day and would reopen the next day at 8am. I had work meetings the next morning so I wasn't able to call right away and I expected to have a missed call or an email from the " security '' department about the matter but neither happened. So, around 12:30, I was able to call them again. This time I was told the reason for the freeze was the mobile deposit I made the day before. Apparently I need to visit a local branch to deposit a check that isn't made payable to me. The agent then looked for the nearest local branch ( just to find that there isn't one ). Then he said that he would email the " security '' department and have them email me a form to sign ( as well as the third party ) and have notarized so that my account can be unfrozen. That was hours ago and I still haven't received anything. The third party is leaving for vacation tomorrow which means he won't be available to have this document signed and notarized if we don't get it today. I explained this to the agent and he said he escalated it. Still nothing. I can completely understand the {$2300.00} check being frozen and not available for use until the bank can verify it. But I can not understand why MY funds that were ALREADY in my bank account are now frozen while this check is verified. I have ZERO funds for gas, food, emergencies, for anything that comes up. Tomorrow is Friday which means I will most likely have to go the next 3 days without access to my money. As a last resort, I asked the agent to just cancel the deposit all together and I would have the third party deposit it into their account and then just XXXX the money to my account but I was told that the deposit can not be cancelled. I'm at the complete mercy of this institution and they do not appear to understand the urgency. This is unacceptable and after reading over my BMO Bank N.A . Handbook - Deposit Account Agreement for Personal and Business Accounts, nothing in this agreement gives them the legal authority to withhold my funds from me. I need this resolved ASAP.
Product: Credit reporting or other personal consumer reports

**Complaint Regarding Unauthorized Credit Card and Erroneous Reporting** To Whom It May Concern, I am writing to formally dispute the existence of an alleged credit card account under my name with XXXX Credit Card, which I was first made aware of in XX/XX/year>. According to the records unjustly associated with my name, this account has been marked as delinquent, an error that has unjustifiably tarnished my credit report. 

**Details of the Dispute : ** 1. **Allegation of Existing Account** : In XX/XX/year>, it was brought to my attention that there was a credit card account opened under my name with XXXX. I unequivocally assert that I have never authorized the opening of this account, nor have I engaged in any contractual agreements with XXXX for such a financial product. 

XXXX. **Request for Proof Ignored** : Upon discovering this discrepancy, I immediately contacted XXXX requesting proof of the credit card agreement and any signatures or evidence supporting my alleged consent or involvement. To date, XXXX has failed to provide any such documentation, thereby not substantiating the existence of this purported account. 

XXXX. **Erroneous Credit Reporting** : Furthermore, this non-consensual account has been reported as " late '' on my credit report as of XX/XX/year>. $ XXXX his incorrect reporting has adversely affected my credit score and has had significant negative implications on my financial standing and reputation. 

**Actions Taken : ** - I have repeatedly contacted XXXX 's customer service to rectify this situation, requesting the necessary proof of the alleged account and its associated transactions. 
- I have also demanded the immediate removal of this account from my credit report due to the lack of evidence supporting any authorized engagement on my part. 

XXXX XXXX : ** - I urgently request a formal investigation into this matter, with the expectation that XXXX will provide all relevant documentation evidencing the alleged consent on my part for this account. 
- I insist on a complete removal of this account from my credit history, including any negative remarks related to supposed late payments. 
- I seek confirmation in writing from XXXX acknowledging the closure of this matter and the correction of all erroneous information transmitted to credit reporting agencies. 

I trust that you will address this serious issue with the urgency and diligence it warrants. Please contact me at your earliest convenience to confirm the receipt of this complaint and to update me on the progress of your investigation.
Product: Credit reporting or other personal consumer reports

IN RESPONSE TO EXPERIAN REPORT NUMBER : XXXX INVESTIGATION ID : 01 I disputed several items on my credit report. XXXX XXXX XXXX XXXX account has not been updated to reflect the satisfied judgment. My attorney helped me reach an agreement with XXXX XXXX, attorney for XXXX XXXX XXXX, on behalf of XXXXXXXX XXXX. The judgment was paid in full, but the tradelines on all three credit bureau sites are not reflecting the payment and still reporting as if nothing has been done on the account. 

As a hard-working citizen willing to right a wrong, it is imperative that my credit report show that I fulfilled my commitment by paying the agreement as requested. The money received was contingent upon the agreement to release the judgment, and the credit report should reflect that the judgment was satisfied.
Product: Credit reporting or other personal consumer reports

EQUIFAX IS UNLAWFULLY REPORTING A XXXX XXXX  ACCOUNT ON MY CREDIT REPORT. THIS ACCOUNT AND BALANCE ARE NOT MINE AND ARE CLEARLY THE RESULT OF FRAUD AND IDENTITY THEFT. I HAVE ATTACHED AN ACCOUNT REMOVAL LETTER FOR YOUR REVIEW. I EXPECT IMMEDIATE COMPLIANCE, AS THEY ARE CONTINUING TO VIOLATE THE ESTABLISHED RULES AND REGULATIONS.
Product: Payday loan, title loan, personal loan, or advance loan

On or about XX/XX/XXXX. I took out a high-interest loan with One Main Financial. One Main Financial represented to me that this was a simple interest loan that I could pay off whenever I desired. I approached OMF several times in XXXX, XXXX, and XXXX to pay off the loan and was told I had to make all payments. Finally, they confessed it was not a simple interest loan but a Daily Simple interest loan where I would be forced to pay the entire loan interest, principal balance, and ungodly interest amount for the full duration of the loan. This was a fraud and they knew it was Fraud, I asked them over and over if I could pay off the loan during the intake and before the closing every time they said yes. 

Now they are reporting me delinquent when I told them back in the fall I was disputing the entire balance of the loan, plus they have added XXXX XXXX XXXX to the loan. The result they have ruined my once-perfect credit. This company is known for misrepresentation lying and being deceitful. Every time I would call them about a payoff they would try to get me to take on additional credit and debit and threatened to report me to the bureau.
Product: Credit reporting or other personal consumer reports

There were 2 hard inquiries from a tenant screener/reseller, Resident Verify, that were not authorized by me. 

Resident Verify on XXXX XXXX XXXX Resident Verify on XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

The reported late payments do not match my consistent payment history.
Product: Payday loan, title loan, personal loan, or advance loan

Credit was pulled to open this debt. Open date XX/XX/2021, {$3000.00}, Tried signing up with a Debt company to assist with the debt. According to the Federal law Fair Credit Reporting 15 U.S Code 1681s I have a right to privacy and should not had to apply to a debt collection company for this debt if it was not placed on my credit report. No written consent to add information on my credit report 15 U.S Code 1681b. The derogatory marks are not allowed on your report by law 15 U.S Code 1681c. Per Credit Law 15. U.S Code 1681c creditors agree to follow the law and have not done so 15 U.S Code 1681s-2 information is inaccurate. Name, amount owned etc.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress. ( 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 redres for these violations.
Product: Debt collection

On XX/XX/year> I reached out to Midland Credit Management and explain to them my needs and concern. I explain them why I field behind on my XXXX XXXXredit card as well as my XXXX XXXX  credit card. I asked Midland Credit Management could I pay both balance in full they explain to me it was illegal for Midland Credit Management to try to collect a debit in the state of North Carolina therefore the debit was forgiving {$0.00} was owe on the debit all account regarding both of these collections was ceased and no further obligation was needed and all knowledge of these to collections could be deleted off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE ( FCRA ) DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! Understand that youre under penalty of perjury also. Discover Financial Services violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has CONTINUOUSLY disregarded all of my disputes of an account NOT being mine. When I reported to the company that my Identity was stolen they disregarded that and continued to report that I owed this balance that is due. I PAID THE BALANCE ON XX/XX/2022 IN THE AMOUNT OF {$280.00}! I PAID IT TO XXXX XXXX WHICH IS THE COMPANY THAT THIS DEBT WAS SOLD TO! XXXX XXXX XXXX XXXX has failed to report to EXPERIAN that the balance is now {$0.00} and this account is no longer in collections! I have reached out to ALL 3 COMPANIES numerous times as well as submitting NUMEROUS disputes! Well XXXX  just responded to EXPERIAN that the information CURRENTLY reported is correct they VERIFIED that this information is correct which is a complete LIE! Please see the 2 attached screenshots!!!!
Product: Credit reporting or other personal consumer reports

Dear Cre4dit Reporting Agency, I am writing to formally request the removal of fraudulent accounts, credit inquiries, and incorrect personal information from my credit report, as I am a victim of identity theft. Under 15 U.S. Code 1681c-2 ( a ) ( Section 605B of the Fair Credit Reporting Act ), I have the legal right to have fraudulent information immediately blocked and permanently removed from my credit file. Fraudulent Accounts to Be Deleted : XXXX XXXX Fraudulent Inquiry dated XX/XX/XXXX XXXX XXXX XXXX Fraudulent Federal Student Loan Account Number : XXXX Fraud began : XX/XX/XXXX Discovered : XX/XX/XXXX Total Fraudulent Amount : {$4700.00} XXXX Servicing Fraudulent Federal Student Loan Account Number : XXXX Fraud began : XX/XX/XXXX Discovered : XX/XX/XXXX Total Fraudulent Amount : {$4800.00} XXXX Servicing Fraudulent Federal Student Loan Account Number : XXXX Fraud began : XX/XX/XXXX Discovered : XX/XX/XXXX Total Fraudulent Amount : {$3600.00} Unauthorized Credit Inquiries to Be Removed : XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX or Incorrect Personal Information to Be Removed : Fraudulent Names : Incorrect Name Listed : XXXX XXXX XXXX XXXX This is not my correct legal name ) Fraudulent Addresses : XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX Fraudulent XXXX I have never lived here ) Fraudulent Employers : Business Income, Self-Employed ( Fraudulent ) XXXX XXXX ( Fraudulent ) XXXX XXXX XXXX ( Fraudulent ) XXXX XXXX XXXX Support ( Fraudulent XXXX have never been employed here ) Fraudulent Phone Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent ) XXXX ( Fraudulent ) XXXX ( Fraudulent ) Supporting Documents Attached : FTC Identity Theft Report ( Report # XXXX XXXX Copy of my government-issued ID Proof of address ( Utility bill or bank statement ) According to FCRA Section 605B, credit reporting agencies must block fraudulent XXXX XXXX XXXX ( XXXX ) business days of receiving a valid identity theft request. If these items are not removed, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider legal action. Please confirm in writing once the requested deletions have been completed.
Product: Credit reporting or other personal consumer reports

IN XX/XX/year> I SENT A LETTER REQUESTING THAT MY PERSONAL INFORMATION BE UPDATED SINCE IT WAS INCORRECT, HOWEVER, THEY CHANGED ONLY ONE AND DID NOT UPDATE EVERYTHING I ASKED FOR, AS WELL AS THE DELETION OF AN INQUIRY THAT I DID NOT AUTHORIZE.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute specific accounts and inquiries listed on my consumer credit report, which I believe are the result of a data breach or fraudulent activity. These actions, along with any unauthorized inquiries, were reported without my consent. I am requesting verifiable proof of these actions, including documentation that includes my signature or electronic signature. 

Please be aware that this letter is submitted directly by me, not through any third party. I did not authorize these actions, which I believe violate my consumer rights under the Fair Credit Reporting Act ( FCRA ), particularly Section 605B, which mandates the blocking of information stemming from a data breach or fraud, and Section 604, which outlines the permissible purposes for consumer reports.

I have already reached out to the relevant companies and found that these actions were taken without proper validation or original proof from the reporting entities. Since I did not authorize these accounts or inquiries, they are fraudulent and likely the result of a data breach or the unauthorized reporting of my information by creditors or third-party data furnishers.
Product: Credit card or prepaid card

Citi responded to a request from a total stranger to have them mail the person my credit card. 

Citi sent them my card and the stranger put {$2500.00} on my account at various stores in person between XX/XX/XXXX and XX/XX/2023. They gave the stranger full access to my online account as well. 

I filed a dispute with Citi on all the charges last month, but Citi then closed the dispute on XX/XX/XXXX stating that they could not get a hold of me for additional information. No attempts were made to contact me by phone, email or mail. 

They re-opened the account and now the stranger is back in it and I am completely helpless to stop what they're doing. I filed a report with the FBI as the police instructed as well.
Product: Payday loan, title loan, or personal loan

Speedy Cash Payday Loan : XXXX XXXX CFR Part XXXX - PAYDAY, VEHICLE TITLE, AND CERTAIN HIGH-COST INSTALLMENT LOANS I have reason to believe that Speedy Cash is in violation of 12 CFR 1041.7 by trying to repeatedly withdraw funds from my account. Please delete my file in lieu of this violation. Failure to do so will result in a civil lawsuit pursuant to the requirements listed in 12 CFR Chapter X.
Product: Credit card or prepaid card

Hi, I used and applied for a American Express Delta Skymiles card and the advertised offer was bonus points if {$1000.00} US dollars were spent within 3 months. I found out after 4 months of using the card and spending over {$1000.00} that I was not approved for the bonus points and Amex claimed that the decline was sent to me directly after applying, but I never received the message via internet on my approval application. This is fraudulent and false advertising and Amex should be held responsible and penalized for false advertising. They are tricking people into opening a credit card and spending money, when they do not honor their incentives for opening a credit card. 

Thanks for holding this multi-national corporate responsible. 

XXXX XXXX
Product: Debt collection

I recently checked my credit report and discovered that this company has reported that I owe them a debt. I never received notification of this debt prior to them placing it on my credit report. My rights were violated.