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 inconvenience an i financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be deleted ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 
Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

" Your agency is in violation!

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. 
Delete this immediately.
Product: Checking or savings account

I have not received my pay check that was supposed to be deposited on Thursday and didnt receive my bank transfer of {$200.00} from a third of party yesterday.
Product: Debt collection

Portfolio Recovery Associates has reported to all three credit reporting agencies that I am delinquent on a debt in the amount of {$3100.00}. This company has reported this since on or around XXXX XXXX. I dispute the validity of this company 's reporting and request that this information be removed from my credit report with all three agencies immediately. The bases of my complaint, in summary, are as follows : 1. I never received notice from this company that they purchased this debt. The very first notification I received was in XXXX XXXX. I submitted a complaint with respect to this and the company failed to address this aspect of my complaint at all but " completed '' its investigation. 
2. This company reported to all three credit agencies that the first time I was delinquent was XXXX XXXX. I demand proof that THIS company even owned the debt at that date. They are reporting delinquency of a debt they did not own in XXXX XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2, and I am requesting that this information be blocked immediately. Enclosed, please find a copy of my Police Report/FTC Identity Theft Report with reference number FTC REPORT NUMBER : XXXX, which supports my identity theft claim. 
Under Section 1681c-2 of the FCRA, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four business days. The information listed below is the result of identity theft and must be blocked : 1. XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Vehicle loan or lease

I bought a car from XXXX XXXX XXXX in XX/XX/2017. I wanted to buy a XXXX XXXX but was forced to buy a more expensive car so their salesman could receive a better commission with no consideration of my needs. I bought a XXXX XXXX XXXX which was too expensive for me but I needed a better car. 

It was financed by TD Bank and I struggled to make the payments each month. In XX/XX/2017 I moved to a different part of the state. In XX/XX/2017 Hurricane Irma hit  Florida and because I could not afford to buy a generator the power went out and stayed off for 10 days. 

I lost all my food in my refrigerator and had to replace it. I filed a claim through FEMA but was told they do not replace food. 

I was not able to work and my HOA for this house does not allow home businesses, even selling online is not allowed. 

I attempted to refinance my XXXX but was unable to do so. In XX/XX/2017 TD Bank repossed my XXXX and auctioned it off. But I received a letter that I still owed over ten thousand dollars on a car I no longer have.
Product: Debt collection

I explained to them that I dont get paid for XXXX more weeks and wouldnt be able to pay anything until then and the guy got mad at me, used a condescending tone and so I told him I would pay it when I can that I didnt appreciate his demeanor and not to call me again, this was on Friday XXXX/XXXX/223, theyve since called me 7 times between Saturday XX/XX/2023 at XXXX to now XX/XX/2023 XXXX so theyve called me 8 times in a 4 day span. Oh also it shows up as No Caller Id
Product: Mortgage

I have been struggling to work with SPS on keeping my home for several years now. I fell upon hard times when I lost my job of several years and could not afford my mortgage. I eventually fell behind and applied for assitance with Keep Your Home California. I was approved for this program but SPS would not accept the funds from this program and instead placed me into foreclosure. I decided to attempt a short sale but that has not turned out so well, SPS wants alot of money for my house and there is not a buyer willing to pay that much for my home. My home is in need of updating and minor repairs. I started working again and with my wife 's income I can now afford a mortgage payment. Since I have been unsuccessful with the short sale I decided to apply for a modification. I sent in all my documents and they were received by SPS. Now I am being told that due to me having a sale date that they can not work with me. The worst part is that they are unclear as to how much time is needed to review me for a modification before a sale date- I was told it was 7 days, but theyve had my package at least 10 days before my sale date and still refuse to work with me advising that their system wont allow it. I feel like this is the hardest company to work with, I have done everything they asked- I just dont want to live with having a foreclosure on my credit and I can now afford to keep my home. This treatment is very unfair I wish they would just be easy to work with but it seems like all they care about is foreclosing on good people that have come across hard times.
Product: Mortgage

( XX/XX/2019 - Mortgage Payment ) At the end of XX/XX/2019 TIAA bank required that I pay my mortgage payments by check for my loan payments. 
In XX/XX/2019 I submitted a payment for my loan using a certified bank check. I hand delivered this check to the XXXX, FL branch of TIAA bank before XX/XX/2019. The cutoff for the mortgage payment is the XXXX. 
The bank then took a week to mail the check to their payment processing center in XXXX. Because of this the payment was received by the processing center after the XXXX and it was marked as late on my account even though the payment was made to TIAA on time and using certified funds.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on XX/XX/2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Mortgage

In XXXX of XXXX during a freeze my hot water heater burst causing significant damages and because, I nor the kids were home it made it worse unfortunately. Thousands XXXX XXXX XXXX in repairs of interior/exterior structure + a new hot water heater and all the labor and materials. I dont use credit so I was spending cash for the repairs and asked PennyMac if I can forego 1 payment and they came up with this solution : Forego a month and pay it back in thirds.

That Agent input it incorrectly and then the next Agent in XXXX did input it correctly. 
So then she suggested to pay the normal amount plus late fee and the agreement was : XXXX XXXX XXXX + XXXX XXXX + XXXX They did not tell me that they were going to smack my credit report 4 times for late payments with this agreement. I certainly understood ONE month, but not 4. 

After repeated phone calls to the Escalation Dept, advising that each month was paid inside the month it was due plus 1/3 per the Agreement, I was unsuccessful. 
I paid : XX/XX/XXXX XXXX ( incl late fee ) XXXX XXXX XXXX XXXX XXXX XXXX Review tapes and hear the Agent NOT say this will affect your credit report FOUR times ( for 4 months ) and now I cant get a pre-approval for a new loan.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX XXXX account number XXXX
Product: Money transfer, virtual currency, or money service

Their way of handling issues were wrong and unfair, do to that I lost an adequate amount of money
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX failing to properly investigate my disputes regarding inaccuracies in and on my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions XXXX also contravene the Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB takes action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never opened any account and inquiries which I listed in identity Theft. Please remove all negative information which do not belong to me.

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts.

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( name of the credit bureau XXXX, XXXX and/or TransUnion ) credit report, according to FCRA ( 1970 ) 15 USC 1681 and CFPB. My latest credit report shows ( number of hard inquiries you are disputing ) credit inquiry/inquiries that I did not authorize. You're authorized to report anything I haven't given written and expressed consent to. If you can't prove I made this inquiry knowingly, willingly of my own will you must remove it as such. 

I writing to dispute the following inquiries and asking for their removal from my credit report. 

Item No. Creditor Account Please have these/this unapproved inquiries/inquiry removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a current and corrected copy of my credit report once this issue is resolved. 

Thank you in advance for your swift, expedited assistance with this matter. 
Inquiry details Onemain Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Deal Inquiry from XX/XX/XXXX Bank XXXX XXXX  Deal Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX Department & Variety Stores XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX  Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Real Estate/Public Accommodations XXXX XXXX XXXX   Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX  Inquiry from XX/XX/XXXX Credit Union XXXX/XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX PXXXXus Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from Apr XXXX, XXXX National Credit Cards/Airlines XXXX   XXXX Inquiry from XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my file coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX 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 XXXXXXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX XXXX Balance : {$580.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} Medical XXXX Balance : {$350.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit card

I have made a prior complaint about this with Zip, I need in writing proof showing I have a account with Zip .I have never open an account with Zip. someone used my consumer credit information to make a purchase.i never have a XXXXXXXX XXXX account what are they talking about about I never call them I don't know who or when this happened.all I know is that I never authorized these transactions and I need my money refunded back to me .I need all details and documents stating what they are saying because I never opened Zip nor did I ever authorize my card I need documents with proof this is crazy I'm telling you I never have account and never use my card. With this company this is about fraud due to my information being. Leaked by one of the credit bureau now I have accounts opened without my authorization
Product: Checking or savings account

On XX/XX/2023 ( sat ) I went into my bank and deposited a check into my account for {$8400.00} the cashier told me that my funds will be available on the XXXX ( XXXX  ) and they were not I had a alert stating that there was a hold on my deposit and that I needed to contact the person that cut the check I contacted the person that cut the check on XX/XX/XXXX and told them everything that was going on they stated to me that they cleared the check yesterday on XX/XX/XXXX and that my funds should be available today that I need to contact my bank I contacted my bank and let them know that I spoke with the person that cut the check and this is what I was told my bank is trying to tell me that I have to wait almost XXXX weeks for my money to be available to me. Also I'm not understanding why it states that my check was deposited on the XXXX of XXXX when I went in on the XXXX which was XXXX  and deposited my check
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and seen a fraudulent account activity from XXXX XXXX on my report. please remove this account from my report, its hurting my ability to obtain credit.
Product: Credit reporting

I am trying to remove fraud alert and freeze placed on my credit account in yr 2000. Was given the runaround. My credit reading is XXXX. I was a victim of the XXXX health fraud scheme and was trying to remove it. I did n't answer some of their questions because some banks supply credit cards for companies, stores, etc and I do n't recognize all of them when they are read over the phone. I failed their test. When I called back in, phone system said I took too many options and hung up on me. This is after waiting 10 min initially. I have an official form letter that I am sending Transunion.
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are XXXX my XXXX and XXXX my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 


Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization CAP ONE XXXX XXXX XXXXXX/XX/XXXX, CAP ONE XXXX XXXX XXXXXX/XX/XXXX, CAP ONE XXXX XXXX XXXXXXXX, CAP ONE XXXX XXXX XXXXXX/XX/XXXX, CAP ONE XXXX XXXX XXXXXX/XX/XXXX, CAP ONE XXXX XXXX XXXXXX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Upon reviewing my credit file Ive noticed a company Byl collection service also known as Byl Svc has been reporting to my credit file. Ive never done business with this company nor have they ever contacted me to prove this alleged debt. This account is fraudulent. Please remove from my credit file.
Product: Mortgage

I was XXXX on XX/XX/XXXX. I was unable to make my mortgage payments as I had no income while I was living in XXXX. Countrywide lending put in for forclosure and BOA ended up with the loan. BOA reported to XXXX in XX/XX/XXXX that my mortgage was forclosed on. Now BOA is saying that they never forclosed on my loan and they are harrassing me after I sought credit help to fix my credit with XXXX. BOA changed their paperwork to say that it was never forclosed on in XX/XX/XXXX and I have the XXXX report that I printed out to prove it says forclosed owed {$0.00}. BOA is so very dishonest they only changed the status of the loan after XXXX contacted them!
Product: Student loan

I was paying {$300.00} a month and called Sallie Mae because I learned about the new PSLF program from a friend at work. I called Sallie Mae and was told that I would have to change repayment terms to a standard repayment term to qualify. I agreed to increase payment about {$90.00} a month. I was told that I didn't need to do anything and that after 120 payments the rest of my balance would be paid in full. I met with a financial advisor this month who advised me that this want the case and that I would need to pay {$680.00} a month times 84 months! I called Navient who was the. We serviced after Sallie Mae and spoke with loan department. The rep apologized for the mid information and told me I would need to pay {$680.00} a month for 10 years! I was misled for 5 years by SallieMae/ Navient! I am a school Principal so I qualify for this service ... doubling payment is not answe! I am a victim of fraud or negligence by Sallie Mae/Navient! What a real shame and trap!