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

I am filing this claim cashapp ( block , Inc ) due to inadequate consumer 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, they did not comply with the proper resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused a significant inconvenience and financial loss, and I seek the appropriate redress for these violations.
Product: Mortgage

My current mortgage servicing company is spying on my credit report without my authorization, they have in the past acted unethically and fradulently. I don't want them to keep violating my rights.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institutions and Zelle failed to investigate my claims adequately they informed that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBS findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Payday loan, title loan, or personal loan

On XX/XX/23 I called and spoke with XXXX at XXXX I asked to facilitate the process to have the funds deposited into my account the same one making payments.XXXX  stated it would take up to 20-22 business days for them to verify the funds and issue the payment of my funds via direct deposit. Per the contract I signed with Seedfi the my funds would deposited into my account with 2 business days after the funds cleared the account. I did not consent to my account being transferred to XXXX and the customer service is awful. I was told I could not file a complaint with them that I would need to call Seedfi at XXXX to file a complaint. I called Seedfi at XXXX MST XX/XX/23 to file a complaint and was told there is nothing they can do as they do not service the loan anymore. She also informed me that they have received numerous complaints about the customer service received and all they can do about it is document it and feedback to the loan servicer to correct the issue. It should not take a whole to get the funds from my account. I called back XX/XX/23 XXXXMST and spoke with XXXX and he said there is nothing to do as they do not service the account anymore and can not hold XXXX  accountable to the loan processing timeframes they previously adhered as they do not service the account and it is up to XXXX to honor the agreement or whatever processing timeframes they have set forth. I signed the contract with Seedfi I was not given the option to pay my contract in full to avoid it being transferred to XXXX. I did provide consent to this transfer either. At this point with both companies neither wants to take responsibility for not upholding the terms of the agreement I signed. It is unacceptable to make a consumer wait 22 business days to receive the funds when the account was paid in full. Previously when I had the account with Seedfi the funds were released within 2-3 business days after I paid the account in full. XXXX  is not upholding the contractual obligation being the loan servicer. I did not sign any paperwork stating I would adhere to new contractual terms with the assignment of my to a different loan processor.I want my funds without waiting this ridiculous 22 business day which is no where in the contract I signed!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to lodge a formal complaint regarding a disputed account on my credit report, which is adversely affecting my credit history. The account in question is related to an auto loan with XXXX, and I strongly believe that they are inaccurately reporting a balance despite agreeing to a settlement. 

Account Information : Creditor Name : XXXX Details of Dispute : On XX/XX/2022, I entered into a settlement agreement with XXXX to resolve the outstanding balance on my auto loan. Per the terms of the settlement, I paid the agreed-upon settlement amount, which was accepted and acknowledged by XXXX as XXXX satisfaction of the debt owed. I have copies of all relevant documents, including the settlement agreement and proof of payment, for your reference. 

Despite the settlement and full payment made, I am dismayed to discover that XXXX continues to report a balance on this account. This reporting error is unjustifiably harming my XXXX XXXX and affecting my ability to obtain credit and loans at reasonable terms. It is my understanding that once a settlement has been reached, the balance should reflect as {$0.00} on my credit reports, indicating that the debt has been fully resolved. 

Steps Taken to Resolve the Issue : I have attempted to resolve this matter with XXXX directly by contacting their customer service department on multiple occasions. However, my efforts have been met with unsatisfactory responses, delays, and lack of action. Despite providing evidence of the settlement, they have failed to correct the erroneous reporting on my credit file. 

Request for XXXX : I kindly request the Consumer Financial Protection Bureau to investigate this matter and intervene on my behalf. I ask that you ensure XXXX updates their reporting to accurately reflect the settled status of the account and show a balance of {$0.00}. Furthermore, I request that appropriate measures be taken to prevent such inaccuracies from recurring and negatively impacting other consumers. 

Thank you for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of XXXX inquiry issue and I called to have these XXXX inquiry removed XXXX  XX/XX/17 XXXX XXXX XX/XX/17 XXXX XX/XX/17 XXXX XX/XX/XXXX XXXX XXXX X/XX/17 I wish to have these Inquiry removed asap ...
Product: Mortgage

For my mortgage statement XX/XX/2020, due XX/XX/2020, my mortgage company sent me a letter stating they didn't receive payment. I had to go to my bank and get verification from them which I faxed to my mortgage company. They then acknowledged payment, but they charged me for a return check fee, and a NSF fee, a total of {$60.00} dollars. I called them on XX/XX/2020, at which time they said I sent it to their block address, and they aren't going to refund the fees. I stated that I sent payment to the address on the preprinted label they sent me. They said they're not returning my fees. They also will not give me an amortization schedule so I can keep up with my payment schedule.
Product: Credit card or prepaid card

Hello, You helped me obtain a refund from  Netspend for {$14.00}. Unfortunately, their check bounced. I was charged a {$12.00} fee by my bank. This  unusable card has now cost me {$26.00}.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items that are found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

PHH serviced a mortgage for me. 

I sold the home on XX/XX/XXXX. The escrow company, XXXX XXXXXXXX XXXX XXXX sent a wire to PHH on the same day to pay off my mortgage.

PHH returned the wire on XX/XX/XXXX, so XXXX XXXXXXXX XXXX XXXX resent the wire for the payoff. PHH returned the wire again on XX/XX/XXXX. XXXX XXXX XXXX XXXXn ended up sending PHH a check for the payoff on XX/XX/XXXX. XXXX XXXX XXXX XXXX took a loss because of the returned wires of {$430.00} PHH is charging me a late fee since my mortgage was not paid off by XX/XX/XXXX. 

I called PHH and spoke to XXXX. She was unable to answer my questions and there wasn't a supervisor available. 



Thanks!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/2024 RE : XXXX To Who It May Concern : This is my second time writing you to update my personal information 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I demand a deletion of all personal identifiable information from my consumer report with the exception of : My Full Legal Name : XXXX XXXX My Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, AZ XXXX Please delete all other addresses. I can not receive mail or any correspondences nor do I have access to any of these addresses. Please delete these outdated addresses and update the address with the one stated above. 

15 USC 1681 a My only phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section. 

Pursuant of the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am not a federally protected consumer and I have the right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are completed to my contact information listed. My contact information as follows : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX 15 U.S Code 1681 - Congressional findings and statement of purpose ( b ) Reasonable Procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel. Insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

The current personal information being furnished is inaccurate, not relevant out dated information. 

15 U.S Code 1681 ( e ) - Compliance procedures ( b ) Accuracy of Report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

The Consumer reports must be accurate this is law. Please make all corrected updates as requested and delete all old inaccurate outdated and irrelevant information from my consumer report immediately. 

Once this is done please send me an updated copy of my consumer reports reflecting only the correct information below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX AZ XXXX Sincerely XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/year>, in XXXX XXXX Florida. I deposited {$500.00} into the Citizens Bank XXXX XXXX XXXX XXXX ATM. I deposited cash into atm and the machine took my deposit and did not deposit it into my account. The machine also did not return my money. I called customer service and they told me they would start a claim and to wait 2 days. I went to the branch the next day and they told me because I already started the claim they could not help me. I called again XX/XX/XXXX and was told I would Be credited for the cash deposit and that was also not true .i was also told my claim would be looked at in 10 days. My account is still missing my deposit that their machine stole from me. I would like my money. I gave them cash and they just stole it and told me to wait 10 days to decide if I'm allowed to have my money. I put cash into their machine and they just took it. It's ridiculous! My account has been overdrawn now because the funds I deposited into my account didn't make it to my account and were taken from me by the financial institution. I have bills that are due. This is unacceptable!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent multiple disputes to the consumer reporting agencies. I have found numerous accounts that are incorrect & inaccurate on my consumer report it is now over 60 days since I received any response from all 3 reporting agencies. On XX/XX/2022 i also sent a demand to comply letter. This is now in violation of my consumer right and this has caused me hardship for me and my kids!
Product: Debt collection

XXXX XXXX has sent a bill to collections that was already settled. They are charging me for a modem that was sent back a long time ago. They say they have no record of this. I have researched XXXX XXXX and there are numerous reports of other customers who have had this problem with XXXX XXXX.
Product: Checking or savings account

On XX/XX/2023 I received funds from IRS to account that has been closed for over 6 months. Navy Federal Credit Union stated that account was closed over and over and that I could not deposit or no longer use account. Today XX/XX/2023 NFCU has allowed funds to deposit into a closed account without returning them to sender or giving me a heads up regarding funds sitting in the savings account which is closed also. They have stated to me via phone recording that they will not release funds and has not given me an alternative to get funds after requesting them to send funds to me. I am now playing the phone game with NFCU to try and contact someone to assist with this issue with no luck l.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX Balance : {$2400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  allowed XXXX XXXX  to fraudulently open up an account without my knowledge or consent, that affected that my credit score. I had tried to ask them to take this company off my report but they refuse.
Product: Credit reporting or other personal consumer reports

UPON REVIEWING MY CONSUMER REPORT, I HAVE DISCOVERED INACCURACIES AND DISCREPANCIES IN THE REPORTED ACCOUNTS. 

EQUIFAX : 1. Under 15 USC 1692g. Validation of debts XXXX XXXX XXXXXXXX Account Number : XXXX Misleading and False Reporting- This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX XXXX XXXX. Under 15 USC 1692g. Validation of debts XXXX XXXX XXXXXXXX Account Number : XXXX Misleading and False Reporting- This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX XXXX 1. Under 15 USC 1692g. Validation of debts XXXX XXXX XXXXXXXX Account Number : XXXX Misleading and False Reporting- This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g )
Product: Credit reporting or other personal consumer reports

Please send my letters to XXXX. Experian and XXXX. Thank you.
Product: Vehicle loan or lease

This car was totalled by another liable party XX/XX/20. 

My insurance sent them they pay off check XX/XX/20, we have a tracking number, person signed for and they still havent posted the check to my account! 

Theyve delayed my payments, but are charging me internet for their un acceptable business practices!! Three months??? To cash a check?

I cant close the loan until they post the payment. I am livid!

I HAVE CALLED SO MANY TIMES AND HAVE BEEN PUSHED  AROUND. - finally someone offered to open up a payment investigation. 

10 days later no update, no calls, nothing. 

Its comical how when financing companies need their money they will send people to collections. Well where do the responsible loanees get to hold the financial loan companies Accountable?

This cant be a one way street. This is unacceptable.
Product: Credit reporting or other personal consumer reports

ACCOUNT NUMBER : XXXX Date Last Payment : XX/XX/year> Inaccurate XX/XX/year> Inaccurate XX/XX/year> Inaccurate High Credit : XXXX XXXX -- Credit Limit : XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX Last Reported : XX/XX/year> Inaccurate XX/XX/year> Inaccurate XX/XX/year> Inaccurate
Product: Credit reporting or other personal consumer reports

I recently looked at credit report after some time and notice a number of different inaccuracies and vivid violations. Those inaccuracies and vivid violations consist of the following. 

Experian { XXXX XXXX XXXX Acct # XXXX } { XXXX XXXX XXXXXXXX Acct XXXX XXXX } { XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXXXXXX XXXX Acct # XXXX } XXXX XXXX XXXX Acct # XXXX } { XXXX  XXXX Acct # XXXX XXXX { XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX } { XXXX XXXX XXXX Acct # XXXX } { XXXX XXXX Acct XXXX XXXX XXXX { XXXX  XXXX Acct # XXXX } { XXXX  XXXX Acct # XXXX XXXX { XXXX XXXX XXXX Acct # XXXX } { XXXX XXXX XXXXXXXX Acct XXXX XXXX } { XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX } { XXXX  XXXX Acct XXXX XXXX } { XXXX  XXXX Acct # XXXX
Product: Checking or savings account

During years XXXX there has been serval incidents where the company known as Zelle as caused funds to be sent to incorrect accounts. Causing issues such as college financial holds, violations of XXXX XXXX, and fraud alerts which have caused accounts with financial institutions to be closed down. Many payments such as XXXX payment for XXXX XXXX dollar payment for XXXX and XXXX XXXXXXXX dollars leaving my account via fraud has caused me to reach out today.
Product: Prepaid card

On XX/XX/year> I sent {$200.00} to a person who portrayed themselves as being individuals selling furniture online in a XXXX group. I interacted with an individual online who told me that I needed to make a deposit to hold furniture I was interested in buying. I was told I would be sent their address once the deposit was made on that weekend. At first the selling told me they'd received my payment and once it was time to pick up the furniture I was told they didnt receive the money I sent them through my cash app account. On my cash app it showed the amount was definitely sent to this person. I contacted cash app to reimburse me and to let them know I had been scammed. Cash app did Nothing and told me to just report this particular account as scam. Cash app did nothing further than that! I lost {$200.00} and didnt receive any furniture! I asked the seller to refund my money but they acted as if they never received it and refused my request. Cash app says that when a transaction is complete its nothing they can do! So they do not protect their customers from fraud situations like this they just allow your money to be taken and go about their business! Now the person I dealt with on this XXXX account has a different name than the name on this cash app I sent. Somehow they are connected and scamming others with this cash app account!