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

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 proce 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 XXXX financial loss, and I seek appropriate Redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MD XXXX XX/XX/XXXX # XXXX XX/XX/XXXX XXXX XXXX Trans Union To whom it may concern : I received a copy of my credit report today and discovered some alleged hard inquiries.I do not recall authorizing these inquiries and I would like to see the application of credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. 

Inquiry names and dates 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 XXXXXXXX U.S. Code, 15 U.S.C/ 5/1681 et seq. Section 604 states that all users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. Understand that / contest the reporting of the above noted inquiries and challenge for the demonstration of the confirmed/physically verifiable proof obtained validly acquired lawful permissible purpose, concern exactly identified consumer who is/ was factually identified as being me and only me.

Please provide proof of permissible purpose by furnishing to me documentation of credit application proof of my signature showing that I indeed applied for credit with this company, elsewise delete these inquiries immediately. 



Sincerely XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX - [ ]
Product: Credit reporting, credit repair services, or other personal consumer reports

( XX/XX/19 ) Received email that my account is " delinquent '' from missing a payment, called and XXXX representative said it was a mistake ( XX/XX/19 ). 
I made a payment and re-set up automatic payments moving forward ( XX/XX/19 ). Account still incorrectly marked as delinquent and bringing down my credit score. 

Help is much appreciated!
Product: Credit reporting or other personal consumer reports

XXXX Opened : XXXX, XXXX 2022 Amount : {$1500.00} I reached out to the company and no action was taken. I filed identity theft report
Product: Debt collection

Around the time period of XXXX, XXXX UNIFIN began calling me, I sent them written notice with the date of the original call " Tuesday XX/XX/XXXX at XXXX XXXX '' In the letter I detailed them " your calls only hurt and deny the ability for me to engage in free will in which my mind would not be altered to perform daily duties '' I even detail my suffering is based on the fact they are using their entity to commercially harass me. As they do not have my consent to call me. I even formally go on to ask for a bill of sale and all records revolving the reasons as to why they are calling and I never received anything in the mail. Now they've proceeded to call me almost daily after being to told stop these harassing calls. 
They received the letter XX/XX/XXXX at XXXXXXXX XXXX verified certified mail XXXX XX/XX/XXXX XXXXXXXX XXXX 
XX/XX/XXXX XXXXXXXX XXXX 
XX/XX/XXXX XXXX XXXX 
XX/XX/XXXX XXXX XXXX
Product: Credit reporting

I 've repeatedly contacted Trans Union regarding my XXXX account, listed as # XXXX The balance and credit limit Trans Union lists on my credit report are both wrong, and despite my submitting copies of my most recent statement to Trans Union on XX/XX/2017, providing evidence of their incorrect information, they continue to list a balance when the account is paid in full and a credit limit much lower than is true.
Product: Credit reporting or other personal consumer reports

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document 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 XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint again with the CFPB against the XXXX credit bureaus for this accounXXXX XXXX XXXX XXXX {$18000.00} Account number XXXX. I have been trying since XX/XX/2021 to resolve this issue and have not received answers in the form of FACTS. All I received is " Factual or updated ''. I have asked for full validation of this account under FCRA and fair credit and billing act. I want to know who they have spoken with and if the company has a right to collect. First off the account was reported in collection and now its not and moved to somewhere else without any explanation from all XXXX credit bureaus. By law I deserved some answers. I know the credit bureaus do not conduct any type of investigation Instead they go to 3rd party vendors to purchase the information. I want to know who they have purchased this from? If they are not willing to conduct proper investigation, please remove. I have never been late and my child is an adult now. The XXXX bureaus have reported incorrectly which prevented me to purchase a home. This is not right.
Product: Checking or savings account

I opened my Flagstar checking account on XX/XX/year> and applied the {$250.00} promotion. The promotion stipulates that I must ( XXXX ) make a minimum opening deposit of {$50.00}, ( XXXX ) receive an XXXX deposit of {$500.00} or more, and ( XXXX ) maintain a minimum {$500.00} balance for 90 days. I made an opening deposit of {$61.00} in cash on XX/XX/XXXX and a XXXX deposit of {$500.00} on XX/XX/XXXX. I maintained the {$500.00} balance for more than 90 days and inquired when I can expect the promotional bonus to hit my account. The different customer service representatives provided varying explanations as to why I don't qualify for the bonus. I explained my situation and was told to reach out to the branch that opened my account. The branch XXXXanager informed me that I do qualify for the bonus, and that I should see the bonus hit my account in a couple of days. I reached out to the branch manager to follow up, and was told that by banker that the branch manager will call me back. I have yet to heat back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to PULL my free credit and was able to get 2 of the 3 but Equifax is blocking me when I answered all the questions correctly. They are intentionally forcing me to send them a letter with copies of my ID as a way to slow the process down because they may be reporting false information against me. When I do a XXXX search many people have complained about this. This company is hiding something and I am demanding that I geet a copy of my credit report and immediately online access.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently went to apply for a mortgage and I noticed some inaccurate items on my credit reports. Not only were they inaccurate but they were also unauthorized. My data has been involved in various data breaches, Equifax to name one, and someone was successful at opening up accounts in my name but were unauthorized. I also tried settling this with the credit bureaus 30 days ago and I haven't heard anything back from them yet and I know they have to respond in 30 days. my reputation with the banking system because of the inaccurate items being furnished on my reports. I need this fixed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up to my complaint submitted to the FTC in XXXX. Somehow this was forwarded to the CFPB for review under Complaint ID XXXX. I was supposed t receive a result on this within 15-60 days from the date XX/XX/2020 as per the letter received XXXX, however I received nothing. Upon further review and closer examination, I noticed that my name was misspelled as " XXXX XXXX '' although this complaint along with three other submitted to the FTC that same day against all three credit bureaus and the company XXXX was written by me and submitted correctly under my name " XXXX XXXX AKA XXXX XXXX '' so I can not understand how this error could have been made on four letters received from the CFPB. Furthermore when I queried the complaint ID in the system I found no information. I am resubmitting this and would like an investigation to be conducted on each bureau for their practices. See my original letter below with additions. 

RE : CREDIT COMPLAINT LETTER To Whom It May Concern : I am writing to file a complaint against EXPERIAN. 

Despite my attempts to dispute several items they are reporting erroneously on my credit report, they continue to violate my rights by allowing these incorrect items to remain, have not provided the proof I have requested, and instead they blatantly ignore any of my requests. I have also made a separate complaint with the FTC and with CFPB regarding the inaccurate reporting accounts ( XXXX  ) which has been logged under XXXX. Experian has blatantly stated that they will not reinvestigate my claim although they have a responsibility to do so and it is their responsibility to maintain the accuracy of consumer credit reports. 

Over the past several months, I have tried to resolve this issue, but to no avail. 
Additionally they have failed to supply me with my annual credit report which I am entitled to for free. I have made two requests and they continue to BLATANTLY IGNORE ME. 

In addition to this, They have me listed as XXXX XXXX, when that IS NOT MY NAME. I am XXXX XXXX. For some reason they refuse to correct or acknowledge me by this name despite the fact that they have proof and know exactly who I am. I have written disputes regarding unauthorized inquiries as well. They ignored me and refuse to answer. They have allowed XXXX to make unauthorized hard inquiries on my credit report ( dates XX/XX/2020, XX/XX/2020, XX/XX/2020 XX/XX/2020 ) and I am not applying for any lines of credit or loans with them. I asked them to investigate why and they failed to do so. At one point XXXX  answered one of the letters I wrote to Experian and I don't even understand why. At one point Experian also answered one of my disputes before they received it I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below. 

Thank you for your assistance. I am attaching some of the correspondence sent via US certified mail.
Product: Vehicle loan or lease

On about XX/XX/XXXX I tried to contact Volkswagen care and credit telling them Im permanently XXXX which left me without a job, collecting XXXX and losing half of take home every week. My wife had to get a job jus to help me with my bills. Volkswagen denied me any option to trade it in or lower my monthly payment. I sent them all proof they required still cant afford the payment today
Product: Credit card

I changed the amount of my XXXX  for my American Express BUSINESS card Account on Wednesday XX/XX/XXXX from paying the account balance to paying only {$1000.00} because I knew that I could not make the full {$9800.00} payment that would be due. On Wednesday XX/XX/XXXX I also received an emailed confimation from American Express that my XXXX  change request was accepted. 

I made the request more than 48 business hours prior to the withdrawal. 

Yesterday Monday XX/XX/XXXX the entire {$9800.00} was drafted from my business account. 

I did NOT change my XXXX  request on Monday XX/XX/XXXX for my Business card Account, which is what I was told by American Express. 

I did check my XXXX  amount for my PERSONAL card on Monday, but I made no changes. 

There is an issue with American Express 's
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Consumer Financial Protection Bureau XXXX CFPB ) ConServe XXXX XXXX XXXX XXXX  XXXX XXXX NY XXXX XXXX XXXX : Rebuttal to ConServes Response Regarding Debt Validation Account Number XXXX Dear CFPB and ConServe, This letter serves as a formal rebuttal to ConServes response dated XX/XX/XXXX, to my debt validation dispute concerning account number XXXX. While ConServe correctly identifies itself as a debt collection agency and not the original creditor, their response lacks the crucial documentation needed to validate the debt. 

ConServe claims to have sent a validation notice on XX/XX/XXXX. I request concrete proof of this notice, including a certified mail receipt or other verifiable evidence of delivery to my current address, XXXX XXXX XXXX XXXX XXXX CA XXXX. I have no record of receiving such a notice. Failure to provide adequate proof of a properly delivered validation notice constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ). 

Furthermore, the provided account documentation was heavily redacted. I request immediate delivery of *unredacted* copies of ALL documents relating to account number XXXX, including but not limited to the original agreement with XXXX XXXX University XXXX XXXX debt assignment contract transferring the debt to ConServe, and a detailed statement of account showing every charge, payment, and fee applied to the account. 

I remain unconvinced of the debt 's validity and the accuracy of the reported amount. The information provided by ConServe is insufficient to satisfy the requirements of the Fair Credit Reporting Act ( FCRA ) and the FDCPA. Until complete and unredacted documentation verifying the debt and the accuracy of the reported balance is provided, I request that this account be removed from my credit report. 

I look forward to your prompt response and the provision of the requested documentation within the legally mandated timeframe. I will consider further action, including legal recourse, if necessary. 


Sincerely,
Product: Money transfer, virtual currency, or money service

A XXXX dollar XXXX transfer was fraudulently made on my Bank of America account. Ive made several claims and never got my money back. Its been several months and the bank is denying the claims. Also Bank of America closed my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several closed accounts that only Experian is reporting as late every month they are as follows : XXXX XXXX/XXXX  XXXX XXXX/XXXX  XXXX I will attach the reports from XXXX  and XXXX showing that these account do not report every month SINCE they closed.
Product: Vehicle loan or lease

I was put in a bind when US Auto Sales went bankrupt and shutdown without any notice. I signed a contract with them and as the customer I feel like nothing was explained and I signed a XXXX car loan with them in which it's the car I have which is a XXXX XXXXXXXX XXXX is very over-priced. I feel like the way they do service is trash. And I also feel like it was a breach of contract to sell my info to another company without my permission. And Westlake representatives is very unprofessional, speak broken XXXX, always hang up in my face, and they also can not produce any contracts and my balance is wrong. And now they are repossession cars when I don't know anything about their company or what they do.
Product: Credit reporting, credit repair services, or other personal consumer reports

these accounts don't belong to me. please remove accounts : 1. Identity Theft JPMCB CARD Account Number : XXXX This is not mine.
Product: Mortgage

i was told by my bank that my foreclosure process was put on hold a number of times in XXXX 2015. I recently get a letter in the mail from the banks attorney and i call the number on the letter and they say my foreclosure process is moving forward and requesting a court date. i tell them what the bank told me and they say they have not spoke to the bank in reference tomy foreclosure this year at all. i call the the bank and they spoke to my customer assistant specialist and he sad " yes, i did tell you that your foreclosure has been recently put on hold :. I told him what the attorney said and he said well we do not put them on hold int the state of florida. then is said but you did tell me my foreclosure was put on hold more than once? he said yes id did and i will go over my informaition and get back with you. I have not heard from him in reference to my foreclosure hold.
Product: Credit reporting, credit repair services, 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 accounts or information which is found to be opened 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 ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$5800.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$300.00} ; XXXX XX/XX/XXXX.
Product: Debt collection

OXXXX XXXX/2024. I received a call from Stenger, Stenger, pc. Phone number XXXX. I missed the call and I then return the call there was a female on the phone I asked her who was the original creditor she advised me she needed to verify who I was and I agreed I gave her my first and last name the spelling my address my phone number the last four of my social security number my date of birth .she refused to tell me who the original creditor was after several request she demanded to know my source of income and where I worked before she will reveal the creditor. I advised her I had no issues speaking with her I had given her all of my personal information not knowing who I had given it to very concerned I feel like she is breaking some type of law with this company not revealing who the creditor is after having all of my personal information.
Product: Debt collection

XX/XX/2018 Shermeta Law Group XXXX. XXXX  XXXX XXXX, MI XXXX ( XXXX ) Attention : XXXX XXXX XXXX Shermeta Law Group Chief Compliance Officer Reference to : CFPB Complaints # XXXX # XXXX # XXXX plus This complaint! 
plus Attached 4 documents to this Complaint. 

As of XX/XX/2018 I have yet to receive the refund check that Shermeta Law Group has several times now has stated that the refund check " has been placed in the mail '' as agreed, but has failed to actually comply with! 

Letter of XX/XX/2018 states a refund has been issued on XX/XX/2018! As I have informed you that I have not received this refund and the address listed on this letter is almost 2 years old and the home has been foreclosed and vacant for the past year! 

Letter of XX/XX/2018 then states that a refund was issued on XX/XX/2018! Again I informed Shermeta Law Group via email on XX/XX/2018 that I have not received the refund and also due to a change of address error with the USPS that all mail is being forwarded to my son 's home! Since every piece of mail received from Shermeta Law Group has been with the USPS service of " Return Receipt Requested '' this mailing would have been returned to the sender! 

Also, an email sent to Shermeta Law Group general email along with an email to XXXX XXXX, the Chief Compliance Officer, both on XX/XX/2018. To which there has not been any response from either Shermeta Law Group or the Chief Compliance Officer, even though I requested them to email me a response. 

I also subscribe to the USPS Informed Delivery Service that emails me a photo of all first class and traceable items each day, in either case no such mailing has been recorded from Shermeta Law Group. 
It's now been 46 days and 4 Consumer Financial Protection Bureau ( CFPB ) complaints and still do not have Shermeta Law Group 's refund as stated they would provide in CFPB complaint # XXXX response XX/XX/2018 and their letter if XX/XX/2018! Also CFPB complaint # XXXX response XX/XX/2018 and their corresponding letter. 

It's apparent that Shermeta Law Group has not actually mailed a refund check for this issue since ALL other correspondence has not had any problems being mailed and delivered in a couple of days. Yet after 7 weeks their refund check has seemed to consistently get " lost '' in the 40 miles or so journey to my mailing address! Why? 

RESOLUTION EXPECTED That a certified check in the agreed amount of {$520.00} USD be IMMEDIATELY mailed by certified mail with tracking or hand delivered to me! Sufficient notice and all tracking information be given prior to mailing for certified mail or sufficient notice for hand delivery. To ONLY this address! 

XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Also a photo copy of certified check and all delivery information be attached to Shermeta Law Group 's and Capital One 's response to this CFPB complaint.
Product: Mortgage

XXXX XXXX account : The main concern I had during this process was that they acknowledged a complete application for their underwriter two times. At that point they have 30 days to make a decision ; which took them over three months. The reason was because escrow stated they did not have enough information to determine an escrow payment. One several occasion we provide all requested information in a timely manner and they acknowledge receipt and that it satisfied the request but still did not make a time decision. Their delays directly contributed to an increase in the escrow portion of the payment and further arears. They basis for not being able to offer a modification was because they could not make changes which would offer an affordable monthly payment, but if they had not delayed they payment would not have needed to me as high. Their internal processes prevented XXXX  from being able to seek a fair solution and violated her rights as a borrower. the delinquency was due to an adjustable interest rate that changed after a 10 year lock in period ; which XXXX was not aware of and the payment increased from {$400.00} to over {$1000.00} a month. That XXXX met with a housing counselor as soon as the delinquency happened but because of the delays by the servicers the loan has fallen further behind and has been referred to an attorney which now makes the possibility of an affordable retention option difficult if not impossible.