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 ). 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 inconvence and financial loss, and i seek appropriate redress for these violations.
Product: Debt collection

My father was called by a debt collection company and told that I had three counts of fraud against me and that I needed to contact their company immediately. They also told my father that they would " come out and arrest him at his job if they had to because he was responsible for the debt also. '' I called XXXX with the debt collection company back and they also told me that I had three counts of fraud against me and that I was going to be served with a lawsuit and detained by a process server under the authority of the U.S. Marshall 's Office. The company told me it was for an old auto loan that I had back in XX/XX/2006. They told me they would not come out and " detain '' me if I gave them payment over the phone right then or if I set up some sort of payoff with them. They told me I would be served at my job and that I was going to get fired because I was served papers at my job. Unfortunately, I did not get the name of the company and they would not give it to me. They just said that they were a debt collection company hired by a company that was suing me. I was however given a name of XXXX with the phone number XXXX and the name of the process server was XXXX and she called me from two different numbers, one from New Jersey and one from Fort Myers : XXXX and XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

Loan number : XXXX I was given fraudulent information and withheld information about a payday loan I was taking from Uprova credit in California. The website was confusing, and as I clicked through, waiting to get the terms of what I thought was a payday loan, suddenly I was told the funds were on the way. After that screen was a payment schedule. Apparently the loan was put through as an installment loan without my consent or knowledge, and the payment schedule indicated that I would need to pay an additional {$1500.00} in fees for a loan in the amount of {$500.00}. Clearly, those terms are so outrageous that no one would agree to them without being tricked into doing so. I tried to reach the company about a resolution and nothing substantial was offered except for deferrals and other refinancing options, which will cost me more money. All I want to do is return the {$500.00} payment of the funds that were deposited so rapidly into my account that I could not even review the terms of my loan first. I also want to never do business with them again. And I encourage CFPB to look into their dishonest and predatory practices. I have also made a complaint with the Better Business Bureau as well.
Product: Debt or credit management

I RECEIVED A Copy OF MY CREDIT REPORT FROM ALL THREE CREDIT BUREAU. I NOTICED SOMEONE EITHER PURCHASED OR TRIED TO OPEN SOMETHING WITH THE COMPANY THAT I'm DISPUTING. I ASKED ALL THREE CREDIT BUREAU TO PLEASE REOMVE THIS ACCOUNT, BUT THEY FAIL TO DO SO. I PROVIDED THEM WITH A POLICE REPORT, IDENTITY THEFT REPORT, AND A WRITTEN LETTER FROM MYSELF, LETTING THEM KNOW THAT THIS ITEM WAS NOT MINE. they DID NOT ACCEPT MY INFORMATION AND DECIDED NOT TO REMOVE THE Item. The item that I asked to be removed was the COMENITY CAPITAL account. the credit limit was {$600.00}, BUT THE REPORTED BALANCE WAS {$1000.00}. THE INFORMATION FOR THIS COMPANT is " Comenity Capital. address : Loyalty XXXX., XXXXXXXX XXXX XXXX the TELEPHONE NUMBER is ( XXXX ) XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This XXXX XXXX XXXX XXXX { XXXX } just appeared in my credit file in XX/XX/2024. 
I have never opened an account and received products. I have never used my name, signature or government ID to open an account. I never received any products. This is a fraudulent account and identity theft. 

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

Send {$3200.00}. To XXXX XXXX, this person was part of a scam.The funds were sent via Cashapp.Numerous attempts with cashapp to recover my money has failed
Product: Debt collection

I called and spoke with company in XXXX. I gave the employee an updated address to mail me something about the amount owed. I emailed XXXXXXXXXXXX about not receiving the letter. It is a little confusing because the letter has fraud as XXXX charge but when I did a search on XXXX XXXX XXXX 's website there is an document that has XXXX. I think it is in the official records search. 

Text from email : To whom it may concern, Please forward this email to the appropriate department. I was told on XX/XX/XXXX that a letter was being mailed to me. I still have not received a letter. The online payment number that is provided on the letter dated XX/XX/XXXX is XXXX. There is also another question that I have that I asked an employee at the XXXX XXXX XXXX XXXX about a corrected document that shows on a search that has XXXX as the charge but the letter mailed to me in XXXX  has Fraud Insuff Funds. Please look into this. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I got an alert that my credit report that my credit score went down. I pulled my credit report and found that there was a debt collection on there for utilities that I did not open. I disputed the debt via XXXX and they supposedly researched it via the debt collector and supposedly found the debt to be accurate. I called the actual utility company and they looked up the information and found the address of the utility account in question, researched it, and determined that the account was opened fraudulently in my name. 

Credit Report : XXXX Debt Collector : Transworld Systems XXXX XXXX XXXX, XXXX, DE XXXX ( XXXX ) Utility Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$510.00} Account # : XXXX Account Opened : XX/XX/2021 Account Closed : XX/XX/2021 Address of the Utility Account : XXXX XXXX # XXXX, XXXX XXXX XXXX Tx XXXX Phone Number listed on the Account : XXXX Email Account listed on the Account : XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number ( s ) : XXXX & XXXX XXXX XXXX XXXX & XXXX XXXX has violated my rights. 15 USC 1681-602A states I have the right to privacy. 15USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I am not liable for these debts, I do not have a contract with these collections, and they did not provide me with the original contract as I requested. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was included in the XXXX 2017 security breach of Equifax. I have requested a 90-day credit freeze through XXXX but received an error when requesting my FCRA free credit report from Equifax to verify its accuracy.
Product: Checking or savings account

This company still refuses to pay the bonus that I should have received for opening a Choice Checking Account with them on XX/XX/2018. Despite repeated efforts of following up and demanding this bonus, they didn't pay it out. Now they claim that I didn't sign up for that promotion-that I clicked the wrong link when I signed up for the Choice Checking Account. This is completely contradicted by a message that they sent to me on XX/XX/XXXX saying that I should receive the {$200.00} bonus six to eight weeks after maintaining a {$1500.00} balance in their account for 90 days. They have lied over and over again, and still not paid me this bonus. I just in the past week initiated a transfer of my {$1500.00} balance at XXXX to my CHase bank and am still waiting on receiving that, but I still am owed that {$200.00} bonus they should have paid me by no later than XX/XX/XXXX according to their own XX/XX/XXXX message.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi. I checked my Credit Score using my bank app. All the loan information is incorrect. It shows Ive taken loan for a two wheeler, well I dont have a two wheeler. The other loan shows Ive taken for property, I dont own any property. Ive never taken a loan for personal or business. Please help me regarding this wrong information showing in my credit score portfolio. Thank you
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX ( Original XXXX : XXXX XXXX ) XXXX Balance : {$7400.00} ; XXXX XX/XX/2023. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

A letter dated XX/XX/XXXX received at residence referencing a XXXX XXXX XXXX with a past due amount of {$1500.00}. 
Phoned the company, Credit Acceptance, to advise them that the addressee is permanently and totally XXXX and does not know of such a car loan. 
The representative was unable to assist and was advised that a cfpb complaint would be filed.
Product: Checking or savings account

I am writing to file a complaint about navy federal credit union regarding multiple over draft fees that I have occurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB against navy federal credit union, for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Mortgage

On XX/XX/year> I made an online partial payment of {$1700.00} toward XXXX due XX/XX/year>. On XX/XX/year>, I attempted an online payment of XXXX, system would not allow me to make a partial payment only XXXX. I called Rocket Mortgage after explaining, I was told the {$1700.00} was in a holding account and should be able to make the payment - try again. I called back ( XXXX ), was told the {$1700.00} account was in suspense and waiting for the balance of the payment. I should be able to make the payment, there is nothing wrong with my account. I asked for an escalation. Call escalated to the Account Resolution Dept. XXXX ( condescending ), after explaining again, XXXX told me Rocket Mortgage does not accept partial payments - I know they do because I have made partial payments in the past and the partial amount is credited ( held ), and adjustment is made to the amount due. This did not happen, Rocket Mortgage accepted my partial payment did not update the amount due and did not allow me to pay the balance on XXXX. XXXX said the difficulties that you are facing are " Likely due to the active bankruptcy. Online access is restricted and you have to call in to do so, did you call the number ending in XXXX. '' When I called the XXXX number the automated payment system said that XXXX was due for XXXX, it would not allow " different amount '' ( partial payment ), said " the selection is invalid. '' I called back, explained everything to the agent who transferred me back to Account Resolution, I spoke to XXXX, who took the XXXX payment, could not explain why I am not able to make a payment via phone or why the payment was not updated to reflect the proper amount due. XXXX escalated the call to find out how I am to make payments in the future and the matter should be resolved within 48 to 72 hours. I am in XXXX  XXXX Bankruptcy, I have continued to make on-time payments to Rocket Mortgage and have not been given any clarity about why/how my account will be handled going forward. How do I make monthly payments? How will credit reporting be handled in the future? It took 5 calls, 8 representatives and 87 minutes to be as confused about the process as when I started. I should be told how to make payments going forward and how my account processing will/has changed based upon XXXX  XXXX policies within Rocket Mortgage. I should not have to go through a gauntlet of misinformation and be forced to call back two or three days later for a proper response and still no answer about. I was told I am to call Rocket Mortgage or go online to make the FULL payment. Certainly, my account should have been updated to reflect the {$1700.00} payment in the system so that an automated payment could be made, surely any of the 4 reps before XXXX should have been able to set up the XXXX payment on XX/XX/year>. This has been terrible service, I should be treated fairly and with some modicum of respect after XXXX years ; after all, I am not in default. I wish I could change servicers. I did record conversations XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX XXXX PA XXXX XX/XX/XXXX RE : Dispute Authorization and Multiple Violations of Fair Credit Reporting Act Dear Sir/Madam, I am writing to address the ongoing violations of the Fair Credit Reporting Act ( FCRA ) that have yet to be resolved, despite my previous dispute letters. It is disheartening to see that the disputed items on my credit report have not been removed as requested. 
This failure to comply with the FCRA leaves me with no choice but to escalate this matter further. 
I have diligently followed the proper dispute procedures, including providing all necessary documentation and evidence to support my claims. Despite my efforts, you have not taken the necessary steps to investigate and rectify the inaccuracies present in my credit report. This persistent noncompliance not only undermines the integrity of my credit history but also violates my rights as a consumer. 
Furthermore, I want to bring to your attention the additional violation made by your bureau. In your correspondence, you baselessly accused me of using a \ '' credit clinic\ '' without providing any substantial proof to support this claim. Such baseless accusations are misleading and defamatory. I demand that you immediately cease making unfounded allegations and instead focus on resolving the legitimate disputes XXXX in my previous letters. 
To address these violations, I have sought legal representation from a consumer rights attorney who specializes in FCRA matters. 
My attorney is well-versed in the intricacies of consumer protection laws and will work diligently to ensure my rights are upheld. 
Additionally, I have filed complaints with the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX XXXX XXXX XXXX XXXX, and the Attorney General\ 's Office regarding your noncompliance with the FCRA .

Given the severity of the violations and the disregard for the proper method of verification, I once again demand that you take immediate action to rectify these issues. Specifically, I request the following : XXXX - XXXX - This account needs to be validated. - Remove on my report immediately! 


XXXX XXXX XXXX - XXXX - This account needs to be validated. - Remove on my report immediately! 




Remove all fraudulent and inaccurate accounts from my credit report. 
Block any information resulting from identity theft, as required by the FCRA. 
I can not emphasize enough the urgency of this matter. Your continued noncompliance with my requests and failure to address these violations appropriately will leave me with no alternative but to pursue the legal remedies available under the Fair Credit Reporting Act. 

I expect a prompt response outlining a definitive plan of action from you. Your cooperation in resolving these issues is crucial, and I trust that you will take this matter seriously. Failure to do so will further demonstrate your disregard for consumer rights and may result in legal action being pursued against your bureau. 

Sincerely, XXXX XXXX
Product: Debt collection

I XXXX XXXX am not disputing that I once had a credit card with XXXX XXXX Bank. What I am requesting is a copy of the actual transfer of ownership from XXXX XXXX Bank to XXXX XXXX XXXX. Since XXXX has posted that they have purchased the debt, under Fair Debt Collection Practices Act I am well within my rights to be given 100 % validation that the debt was purchased. XXXX did not have a right to even post this collection on any of the pertinent credit bureaus without such a validation finalized. Accordingly, the collection must be removed until the debt transfer is completely validated. I am open to a settlement letter to be emailed to me at XXXX if possible, but I would still like to see a copy of the actual transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over XXXX  days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Product: Credit reporting or other personal consumer reports

- Name : XXXX XXXX - Social Security Number : XXXX - Date of Birth : XX/XX/XXXX This complaint is filed under FCRA 605B ( 15 U.S.C. 1681c-2 ), requesting TransUnion, XXXX, and Transunion to block information on my credit report that resulted from identity theft and fraud. Specifically, I seek to block the following fraudulent entries : 1. An inquiry at XXXX XXXX XX/XX/XXXX These accounts have led to several fraudulent hard inquiries and collections on my consumer XXXX credit report. I have attached a list of these inquiries, along with a copy of the consumer FICO credit report maintained by XXXX, which includes the fraudulent items. I do not recognize any of the accounts, collections, or hard inquiries mentioned above, as they were not initiated by me and are a result of identity theft and fraud. 

I have also attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof that all the aforementioned entries are due to identity theft and fraud.
Product: Mortgage

I sent a written request to LoanCare via email on XXXX/XXXX/2015, requesting to have an appraisal so my PMI can be removed. I have yet to receive a response and its now XXXX/XXXX/2015. I called in XXXX different days and XXXX times requested to speak to a supervisor and the Customer Service Agent refused. I would like to have an appraisal done, due to home improvements. I know my loan to value is well under 80 %. I am wanting to go this route rather then refinancing.
Product: Credit card

The department store credit card changed financial institutions that services the account and since that conversion, I have not received any paper statements nor an email notification that a paperless statement is available. It is now XXXX and my payment is due on XXXX and I have not received any statement telling me what my minimum payment requirement is. I understand that the statements are supposed be generated 21 days before the due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts with Experian and I dont know why its so hard for them to understand. 
. XXXX sent me an email to provide to Experian in removing the whole tradeline and or removing the late payment for XX/XX/2021. The email clearly states it, which I have attached.
Product: Credit reporting or other personal consumer reports

I've tried to resolve this issue for 18 years they continue to deny me my right to my credit report even after complaint number XXXX due the fact I have sent Multiple copies of my ID and Social Security card notarized for years now. they still play the game send us a copy of your Social Security number. Tired of the games now I'm looking at an {$18.00} XXXX law suit. because that's what the lady in Oregon got, and they only played these games with her for XXXX yrs. Like oh yeah somebody else trying to obtain another persons credit report by going to the CFPB saying that they're me so that they can get a copy of my credit report XXXX They're just not going to stop playing games with my livelihood Which is causing me detriment in my professional and personal life. I guess my only other option is Federal Court! Because they haven't even tried to contact me. Other than the give us your ID game again. And as far as you CFPB, where's the protections here? Did someone pay you off too? These games with my livelihood are ridiculous, what if it was you? Can't give a job can't get a car to go get a job because you don't have a job because of the way they have your credit report set up making you look fraudulent. Yeah the punitive damages are above and beyond extremely high at this point. 

XXXX XXXX XX/XX/year>
Product: Debt collection

Debt paid in full. Report not deleted from XXXX credit report as agreed upon by paying higher amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

We Continue having a credit reporting issue, from all credit agency  XXXX   XXXX , Equifax,  XXXX . Reporting that we still have an auto loan from  XXXX   XXXX   XXXX    XXXX   that no longer exist. We continue to ask this issue to be corrected without success. Any help with this problem would be appreciated.