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 proces : 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 redresss for these violations.
Product: Mortgage

When refinancing a mortgage for my brother we decided to go with Ocwen. The loan set up officer told us that he had insurance on the loan so if he passed away the mortgage would be paid off. We have a recording of him stating that fact. Two years later my brother passed away. Now they are saying they can not talk to us because they do n't have a record of who the fiduciary is. We have emailed, and faxed the court records numerous times. Every time they say they have not received it. When we call them they put us on hold for an extended period of time and then we are told the person we need to talk to is gone for the day. This has been going on since XXXX 2015.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX  XX/XX/2023
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I mistakenly used the wrong checkbook linked to a XXXX ( XXXX XXXX  ) account, causing my mortgage payment to fail. While traveling abroad, I missed bank notifications. Upon returning, I promptly made the payment, but it was processed on day 31 after the due date. 

I later learned from a XXXX  XXXX XXXX Mortgage Representative on XX/XX/year>, that my automatic payment schedule was set for the first days of the month, 15 days after the due date. I disputed the late payment with all three credit bureaus ( XXXX, Experian, and XXXX ), but it remains on my credit report. 

To resolve this, I visited a local XXXX  XXXX XXXX branch and spoke with a manager. I also called customer service at least four times, but my goodwill request was denied despite my XXXX banking history and previously clean payment record. 

I am requesting that XXXX  XXXX XXXX update my credit report to remove this late payment as a one-time goodwill adjustment, as this was an isolated and unintentional incident.
Product: Money transfer, virtual currency, or money service

On XXXX I was having issues withdrawing money from my account at an ATM so I XXXX chime customer service number and talk to one of the agents so he says he is with chime so I've never had to call tech support for chime and the whole time as I'm on hold believing that I was being help with resetting my account he changed my account around he put my money in my checking from my credit builder account. Then I got hung up on and of course I called back Multiple times so then I realized I got scammed money was transferred to them I had seen in my history transaction I've have the number and password he try to use to get in my account and the email I reported to chime to dispute it I sent them all the evidence and proof I have to make the case easier to deal with I also assume if I was quick to give the information they would be able to catch them im really struggling in life and they to all the hope i had save up XXXX to make my life a less stressful i really feel like a fool and stupid i had hoped that chime would protect one its longest member I didn't feel they cared about my situation how quickly the close my case which was on the XXXX XXXX. 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX incorrectly listed my name as XXXX XXXX XXXX, deceased. I discovered this via XXXX XXXX. It showed that Selene Finance reported the deceased status. 
I contacted XXXX approximately XX/XX/XXXX and was told they corrected the issue- the next day my report on. XXXX was reinstated. XX/XX/XXXX my status was again deceased via XXXX. 
XX/XX/XXXX all XXXX bureaus list me as deceased. XXXX is the only bureau with the incorrect name.
Product: Credit reporting or other personal consumer reports

i was checking my credit report last month and i found a few fraudulent accounts that i don't recognize my information is out there with somebody and iam investigating who thats why asked the creditors for contracts and signitures but they never responded to me after that i contacted the bureaus to tell them about the accounts that they never got my permission for any thing i dont even knopw them and i told them that i contacted the creditors and they never responded and as of 15 U.S. Code 1692g validation of debts this is improper use of my credit report. in accordance with with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states i have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666B, a creditor man not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose 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: Credit reporting or other personal consumer reports

This account losted below is not mine and ws open without authorization. I have previously disputed this account with experian and the removed this account and now it was reinserted without notice I have supplied all documentation that my identiy has been stolen during a data breach a a cyber security attack and Experian fail to do a complete and thorough investigation this account needs to be removed immediately as it is not mine Account name : XXXX XXXX  Account # XXXX These XXXX account listed are not mine and are unauthorized accounts : Account name : XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX  XXXX Account number : XXXX Thes inquiries are not authorized by me : 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: Credit reporting, credit repair services, or other personal consumer reports

I am aVICTIMof off base/strange/invalid/obsolete as well as conceivably even false deception within my Transunion report XXXX This condemning of themis-announcing/mis-informationaffidavit is to declare my direction that you, asregulated, produce physically countersferfederal laws of my debates or acknowledge and encourage my solicitation that you either erase/or obstruct at any rate the accompanying unsubstantiated/yet-avowed/obsolete/distorted/consolidated/unrecognized/and additionally fake data from my credit record. I request to be persuaded ( as ordered ) that you can sufficiently confirm in imperative correctly how the falsehood come to occur if even by any stretch of the imagination, with my insight AND approval recorded as a hard copy of any individual/people/or substances that may be certainly mindful or even that I genuinely got any cash, products, or administrations because of the contested deception ofINACCURATE MISINFORMATION/UNVERIFIABLE and INVALID INFORMATION/POSSIBLY FRAUDULENT data or potentially even conceivable of Identity Theft thus myutilzationof this controlled Identity Victim 's Complaint and Affidavit
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, Experian, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. 

Experian : XXXX XXXX XXXX Balance : {$27000.00} XXXX : XXXX XXXX XXXX Balance : {$27000.00} XXXX : XXXX XXXX XXXX Balance : {$28000.00}
Product: Bank account or service

I have a prepaid Visa card. I attempted to use the card through PayPal and then through eBay to pay for an item under {$500.00} I agreed to purchase on eBay with PayPal. I was not able to do so. 
As a result, I called PayPal. The PayPal customer representative told me that the bank declined the transaction. ( It turns out this was a lie. ) I called the bank that issued the prepaid Visa card. The bank representative informed me that PayPal 's policy was to reject all prepaid Debit cards. 
I called PayPal back to confirm this. The PayPal representative I spoke with said that PayPal 's policy was to reject all prepaid Debit cards as PayPal was unable to verify identity. I asked to speak with their manager. I was placed on hold for 10+ minutes then routed to someone who not a manager, but who I suspect was a grievance specialist. This gentlemen said he could do nothing for me, nor identify me, and I would need to call PayPal back. He did suggest to me that I could use PayPal 's own prepaid Debit Card and I would not have this problem. I asked him to route me back to the original group. He said he could not do this either nor could I speak with his manager.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX # XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/year> XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information on my accounts has been diligently neglected by Equifax. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the information that are still reporting on my account : PREVIOUS ADDRESS : XXXX XXXX XXXX LOT XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX  XXXX, GA XXXX Collection Original Creditor XXXX Balance : {$230.00} Inquiries XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting

I have recently been denied credit due to CCS attaching bogus accounts to my credit reports several times within a short period of time. I was never informed of an account I had with them prior to this.
Product: Debt collection

I received a letter from my bank stating they received a court document stating that a levy by Premiere Credit of North America LLC for state taxes ( Indiana ) be placed on all accounts with my name on them. What was attached was not a court document. I contacted my bank for the document that could not be produced. I contacted Premiere Credit of North America LLC and I have not been able to reach anyone at anytime of the day. I have left several messages with no replies. Premiere Credit of North America LLC have violated my HIPAA rights in the this matter.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
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: Credit reporting or other personal consumer reports

According to 15 USC 1666b a creditor may not treat a payment on a credit card account under an OPEN end consumer credit plan as a late for any purpose, UNLESS the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information by section 1637 ( b ) of this title is mailed or delivered to the consumer 21 days before the payment due date. 

XXXX Account # XXXX PLEASE UPDATE & REMOVE THIS LATE PAYMENT FROM MY CREDIT REPORT IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION is currently reporting that I have : 1. 2 Late payments when I don't 2. 1 collection account, when I have no accounts in collection This information is wrong and needs to be updated.
Product: Debt collection

I was involved with identity theft and sent my FTC report and police report to the credit bureaus and nothing has been resolve. XXXX XXXX XXXX is saying i owe {$4200.00} and i never lived in Texas nor had a Texas identification. Identity theft is something serious and I feel that the credit bureau did not take care of this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed my information with XXXX, Equifax, and XXXX on XX/XX/2020 and the problem hasnt been corrected. Its been over 30 days
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent numerous requests to Experian requesting the name and date of the person that validated information being disputed. They have yet to provide the information and these accounts must be removed from my credit file. In addition another letter was sent disputing numerous inquiries in which I did not authorize. Again, Experian has ignored my request to remove the items. Experian has allowed accounts to be placed on my report that are not mine. According to the law Experian is required to remove the accounts and DO NOT re-insert.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX HARD INQUIRIES MY CORRECT ADDRESS IS XXXX XXXX XXXX XXXX XXXX VA XXXX ALL OTHER ADDRESSES SHOULD BE DELETED
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a car and XXXX was the lender. During a difficult time, I spoke with a representative there starting in XX/XX/XXXX, who offered me to modify my loan so Id be able to afford to continue making payments Finally in the month of XXXX I received the new Modification forms, signed and returned and the forms specifically showed that starting in XX/XX/XXXX the new Loan payments would begin. I thought all was now resolved! 
In XX/XX/XXXXI went to a store and came out to find my vehicle gone! Thinking someone had stolen my car I called the police and they informed me that it was towed. I immediately called XXXX and upon their review of my account they found that the were wrong to have picked up the car, apologized, and then told me where I could go to retrieve my vehicle. It was their error so I was not charged anything and although I was angry, I got my car back and figured it was over. 
Fast forward to XX/XX/XXXX, I took my credit report, found that XXXX reported lates even after the modification, and even reported 2 lates for  XX/XX/XXXX and XX/XX/XXXX, even though the loan was paid in full in XX/XX/XXXX. Ive tried to get this corrected, at once point it was Just a month ago, I took my credit, again incorrect information from XXXX! I disputed, and now XXXX is reporting a REPOSSESSION in XX/XX/XXXX, which is exactly the same time they towed my car in error!!!!! This was their error, they admitted it at the time, and only until now has it ever showed as a REPOSSESSION! This is more than detrimental to my ability to obtain financing and credit, and needs to be corrected! When I call their office, give my Social Security number, they claim that they have no information. 
Help, these folks should be audited! The federal government needs to look into their practices as Im sure theyd find XXXX is not in compliance per the consumer lending regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I had XXXX point in XXXX. 
Yesterday my point disappeared into the # XXXX I have no car I make all payments there is no reason that XXXX points can magically disappear. 
Im moving into an apartment I save up points for. Now Im learning that my points are missing and not XXXX point or XXXX but XXXX points in a month are gone. 
What happened? 

I have been calling to fix this XXXX sees also that this raised a red flag because its impossible that I have no score when I have a score so I need to do all I can to fix this.
Product: Debt collection

Received fishing text from debt collection agency for bank I have no relationship.
Product: Mortgage

On my statement dated XX/XX/23 : Due date and amount due is : XX/XX/23 in the amount of {$270.00} ( {$270.00} principle and {$.00} interest ). The amount due is the last amount due on my mortgage, aside from {$1400.00} that I deferred during Covid-19. I made my mortgage payment online ( which is the payment process I submit all my payments ) on XX/XX/23. I tried to submit a payment in the amount of {$270.00}, however, when I tried to make a payment, I received a prompt that stated " Amount must be between {$270.00} and {$270.00} ''. So, I went to " other payment option '' and made a payment in the amount of {$270.00} ( which was the only amount I could submit ). After a couple days after submitting the payment, I noticed the payment was deducted from my checking account and the payment went to " unapplied credit '' on my mortgage account. On, XX/XX/23, I chatted with an online representative and they stated they would send in a ticket to have my payment sent from " unapplied credit '' to my mortgage payment. They said to wait for 4 days for the payment to apply. I waited XXXX days and the payment was still under " unapplied credit ''. I then called the mortgage telephone number several times and talked to a representative on ( I believe the dates were ; XX/XX/23, XX/XX/23, XX/XX/23 and XX/XX/23 ). ALL OF THESE representatives gave me the same runaround as the representative I chatted with .... '' my payment would be applied to my mortgage payment ''. I also called my local fifth third branch on XX/XX/23 and they stated I needed to go to the branch to make my payment and have it applied. I went to the local branch and they said they could not help me make the payment. They chatted with someone online and that person told me to call the mortgage telephone number. Which I did call and the date is shown above. Also, on XX/XX/23, the representative told me to give them my checking account number so I could make a {$1.00} payment since the amount I paid was almost {$1.00} short. That payment was taken out of my checking account and sent to " unapplied credit '' on my fifth third mortgage account. On XX/XX/23, Fifth Third charged me a late payment fee in the amount of {$13.00}. On XX/XX/23, I requested to speak with a supervisor but the representative told me this was not possible at that moment and I will have to wait for a supervisor to contact me within 72 hours. I believe I have been patient enough and I need this situation handled ASAP. I have wasted hours of my time and have received several mail correspondences as well as emails regarding my late payment. I made the payment on XX/XX/23. XXXX payment is not late!! Please help!
Product: Credit card

From XXXX XX/XX/year> to present I called the Chase reconsideration phone line approximately XXXX times often speaking to multiple customer service XXXX. These XXXX reportedly attempted to process my application. They asked me numerous security related questions and I cooperated fully. They sent me internal notices in my chase app on XXXX XXXX, XXXX XXXX, and XXXX XXXX stating their belief I was a victim of identity theft and someone was trying to seek credit in my name. I called Chase each time and clarified it was I applying for the Chase Ink Cash card. They requested identifying documents and on or about XXXX XXXX I submitted a photocopy of my XXXX Passport, XXXX XXXX ID Drivers license and utility documents. I called to confirm receipt and acceptance. This was all confirmed by Chase representative on XXXX and XXXX XX/XX/year>. I was even lied to by Chase staff who informed me I was approved for this card on XXXX XXXX with a credit limit of {$4000.00}. I learned through subsequent calls to Chase staff that this was untrue.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently fled a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furishers, accepting unreliable responses, and failin g to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.