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

I am filing a complaint against Cash App ( Block, XXXX. ) C to equal 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 0:3 was untair an deceptive, as they did nor " 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 redress for these violations.
Product: Vehicle loan or lease

Under 15 U.S. Code 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to my understanding XXXX credit Equifax XXXX drop my score by XXXX incorrect information being reported unlawful including XXXX XXXX XXXXXXXX they supposed to delete that from my credit report Equifax XXXX XXXX refuse to comply with federal regulations guidelines reported incorrect information or to investigate not drop people score to harm my credit my self account is paid in full my credit score drop I here request them to put my score were it was or file civil action lawsuits against the company fraudulent activity personal information
Product: Debt collection

They have not validated the debt by producing a payment history and original contract of my signature. 

Also have violated FCRA Section 604 Permissible Purpose and FCRA Section 609 Disclosures to consumer Also, it is not Licensed in New Jersey
Product: Prepaid card

On XXXXXX/XX/year> I deposited a cashiers check from Netspend for my remaining balance from my forced closed account. The check was returned unauthorized and now this has caused an issue of my relationship with my financial institution. I contacted Netspend via email about it and they are prolonging and dragging out a resolution.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is saying they verified a XXXX  XXXX case being reported on my XXXX and Experian credit reports. The courts do not share any information so this company should not be reporting or sharing any of my information. The fair credit reporting act says any inaccurate information should be deleted. XXXX nexis telling me they verified the information from the court is not accurate. I want the bankruptcy deleted from my credit reports at XXXX and Experian. Experian will not allow me to dispute inaccurate information on my credit file. This is unfair and needs to be changed.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and I noticed that their is still inaccurate information reporting on my credit part from a CLOSED account that has been CHARGED OFF, I've sent in multiple documents supporting current disputes .I 've tried contacting the creditor to see if we can speed things up by removing and deleting the closed account that's harming my credit report below I've listed the creditor as well as the information I provided pertaining the closed account XXXX XXXX XXXXXXXX Account XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Unsecured XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX - XXXX PAYMENT HISTORY LEGEND Status Closed. {$3700.00} written off. 

Status updated XX/XX/XXXX XXXX balance {$3600.00} Monthly payment - Last payment date XX/XX/XXXX XXXX
Product: Payday loan, title loan, or personal loan

There was a simple issue where I hadn't noticed that my minimum monthly payment ( sent on the XXXX of every month ) had increased and as such, the last payment I sent out was insufficient. I then received an email from them ( XX/XX/XXXX, and XXXX ), prompting me to " Text back today so we can help you get your loan back to a current status. GoodLeap is here to help. '' There was no number included in the email. I had received no such text. I responded to the email with my phone number for them to call me, as well as searched their site for a contact number https : //goodleap.com/XXXX  I've called multiple times today ( XX/XX/XXXX ), I called XXXX and heard " Thank you for calling LoanPal '' and was immediately hung up on. They're not even called LoanPal anymore. As of now, I still have not been able to contact them, and have heard nothing back.
Product: Credit card

I am trying to find some form of credit. Capital One continues to send me emails that I prequalify for a card I apply and they deny my application despite claiming that I have been pre approved I am still getting the emails
Product: Mortgage

Payoff funds were distributed to Mr Cooper to be paid off on XX/XX/year>. Mr Cooper had previously mailed the property tax payment for my property, knowing it was in closing status, which left a payoff shortage. We wired the shortage funds, with daily interest, and they were received on XX/XX/year>. Mr Cooper applied the shortage funds to my XXXX payment, rejected the payoff funds, after 2 weeks of holding them, and began servicing my loan again. I closed with my new mortgage on XX/XX/year>. I have made several attempts to resolve this problem with NO RESULTS, GETTNG DISCONNECTED, NO CALL BACKS AND BEING TOLD THAT MR COOPER WILL NOT HONOR THE XX/XX/XXXX PAYOFF DATE!! This company is horrible and unprofessional. Holding my house hostage because of their mistakes.
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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 the accounts below : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 Paypal permanently limited my account with no warning.I have talked with several customer assistants and they can't give me any information on why, just that it shows a violation of the acceptable use policy.I think I have had the account for 18-19 years and never had the problem before.I have sent emails to the Paypal violations department and just get automated responses staing the same thing that the customer assistants tell me.Also they froze the money in my account ( {$15000.00} ) because they said they have to be able to reimburse people for chargebacks if they occur.I think I may have had one or two in the past 10 years.So I don't think full amount needs to be held.I sell on XXXX and this is only payment method accepted so as of now I can't sell on there.Also the money in my account was used for necessities and is not available for me to use.I understand if they don't want my business that is their decision but I don't think I should be held in the dark on what my violation was.My items are compliant through XXXX and nothing I sell is illegal.After this happened I have read a lot of stuff online where this has happened to many other customers.I would appreciate in any help in finding out what the problem is.Thanks.
Product: Money transfer, virtual currency, or money service

I had noticed there was {$800.00} transferred from my account to another account via XXXX  on XXXX  morning XXXX. I contacted Wells Fargo the same day about the situation to file a fraud claim claiming that it wasnt me. They told me theyd get back to me in XXXX business days. Today was the XXXX business day so I decided to call them to see where the process is at, because XXXX XXXX received a call or any update referring to my case. The agent I spoke to stated that my claim had been denied on XX/XX/XXXX & that there was nothing I can do to dispute the charges. I am now filing this claim in hopes to properly get this resolved.
Product: Debt collection

The debt was placed by XXXX  for equipment returned. it was resolved prior to the debt showing on my credit report as it was returned. Representative 's from XXXX  have attempted to remove this from IC Systems and they still have not complied. I placed a three-way call with XXXX  and IC Systems with XXXX acknowledging there was no debt to no avail. They continue to disregard attempts to remove this and have damaged my credit.
Product: Debt collection

Have received XXXX to XXXX ROBO calls from Synchrony Bank daily related to Amazon credit card. I did use this card and scheduled XXXX payments XXXX, XXXX and XXXX to pay off the charges ( 6 months interest free if paid ). First payment is XXXX/XXXX/15. This was based on their payment schedule. Their system when trying to connect from the phone calls was failing to transfer to a person until tonight.
Product: Checking or savings account

My account was frozen for a check I never cashed or deposited and Wells Fargo reported me to the banking system for something I never received and I have been unable to get a XXXX XXXX XXXX XXXX  account for last 8 years
Product: Money transfer, virtual currency, or money service

paypal has stolen XXXX usd of my fundraiser https : XXXX in XXXX they did limit my account permanently for XXXX  days but till today I can not witdraw my funds!
Product: Credit reporting, credit repair services, or other personal consumer reports

Unfortunately XXXX is in validation of the Cares Act sect 4201. On XXXX XXXX I notice I santander report my payment 30 days late. Which is in direct validation of the temporary amendment made to the Fair Credit Reporting act prohibiting creditor from reporting past due on account that have been effective by Covid-19. 

Amongst its many provisions is an amendment to the Fair Credit Reporting Act, 15 U.S.C. 1681 ( FCRA ) that adds Section 1681-s ( 2 ) ( a ) ( 1 ) ( F ) : a temporary reporting requirement for furnishers of credit information concerning consumers affected by COVID-19.

Section 1681s-2 ( a ) ( 1 ) ( F ) provides as follows : ( I ) Accommodation. The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease XXXX ( COVID-19 ) pandemic during the covered period. 

( II ) Covered period. The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after the date of enactment of this subparagraph [ enacted XX/XX/XXXX ] ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID-19 ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. XXXX et seq. ) terminates. 

By definition a Creditor is any person or entity that extends credit with intend to repaid in the future. 

XXXX is a Creditor who agree to payment arrangements and has now failed to comply with the law. 

In addition I have requested a review of my initial loan documents and internal credit score. As I'm a part of the recent lawsuit and have not received any information.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint and Cease and Desist Order Against XXXX, Experian, and XXXX for Reporting Inaccurate & Unauthorized Information for XXXX XXXX XXXX XXXX. 

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint and issue a cease-and-desist order against XXXX, Experian, and XXXX for multiple violations of federal laws and regulations for their roles in reporting inaccurate and unauthorized information for XXXX XXXX XXXX XXXX . I have filed a formal complaint with the Federal Deposit Insurance Corporation ( FDIC ) against XXXX XXXX XXXX XXXX. 

The crux of the inaccuracy in XXXX, Experian, and XXXX 's reporting lies in their knowledge that the XXXX XXXX XXXX XXXX  debt in question was discharged. Despite this knowledge, XXXX XXXX XXXX XXXX  continued to furnish information related to my account to XXXX, Experian, and XXXX, which is a clear violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) and XXXX, Experian, and XXXX continued to report the information. 

Furthermore, XXXX XXXX XXXX Bank unlawfully attempted to collect on a discharged debt, which is considered a certificate of indebtedness by the Internal Revenue Service ( IRS ). According to IRS regulations, such discharged debt can not be reported as income. XXXX XXXX XXXX XXXX  has failed to provide me with a 1099-C for the cancelled debt as required by law. This failure to comply with IRS reporting requirements and the misreporting of my account as a debt rather than a certificate of indebtedness are clear violations of federal statutes. Attached is a copy of the 1099-C in which I personally filed for XXXX XXXX XXXX XXXX  XXXX 

Moreover, XXXX XXXX XXXX XXXX failed to inform me of my right to exercise my nondisclosure option, as mandated by 15 U.S. Code 6802 ( b ) ( c ). This failure, coupled with the unauthorized inclusion of adverse information in my consumer report by XXXX, Experian, and XXXX, further demonstrates the systemic disregard for consumer rights and legal obligations. 

I hereby demand that XXXX, Experian, and XXXX immediately delete the XXXX XXXX XXXX XXXX  account related to me from my credit reports. This cease-and-desist order is issued in accordance with federal laws and regulations governing consumer rights and privacy. 

I also request a thorough investigation into the actions of XXXX, Experian, and XXXX regarding their handling of my XXXX XXXX XXXX XXXX account information and the inaccurate reporting of my financial status. This letter serves as my final attempt to resolve this matter amicably before pursuing further legal action, including filing complaints with the Securities and Exchange Commission. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes, letters, and complaints. I have requested that inquiries, names and addresses be investigated. I am aware of my responsibilities to reach out to companies, which I have multiple times, but as a reporting agency it is your responsibility to report accurate information. My identity has been, and might still be at risk. Please complete an investigation into these concerning errors, and by not doing so you are in violation of my rights, according to FTC. 
Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.

" The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). A CRA is an entity that assembles and sells credit information and financial information about individuals. While there are three national CRAs in the United States ( XXXX, XXXX XXXX, and Equifax ), private investigators, detective agencies, collection agencies, inspection bureaus, companies that sell information to insurance companies and assist in performing background checks, and college placement offices have been deemed to be CRAs under the law. CRAs compile what are called consumer reports, meaning any written, oral, or other communication of any information by a CRA bearing on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. See 1681a. ''
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against Equifax for Incorrect Reporting of a Closed Account as Open Dear Equifax XXXX Department and XXXX XXXX I am formally filing a complaint regarding an error in my credit report that is negatively affecting my Debt-to-Income ( DTI ) ratio and my ability to secure a mortgage. Specifically, Equifax is reporting an account XXXX XXXX xxxxxxXXXX as open, despite the fact that this account has been closed. 

This inaccurate reporting is significantly impacting my financial profile by inflating my outstanding obligations, which in turn harms my XXXX ratio and directly affects my mortgage eligibility. Under the Fair Credit Reporting Act ( FCRA ), Equifax is required to maintain accurate and fair reporting practices, and this misrepresentation of my account status is a clear violation of that requirement. 

I request an immediate investigation into this issue and demand that Equifax correct my credit report to reflect the true status of the account as closed. Additionally, I ask for a written confirmation once the correction has been made. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities to ensure compliance with federal credit reporting laws.
Product: Checking or savings account

Deposited 3 Money Orders in XX/XX/2022. XXXX revoked on XX/XX/2022 citing refer to maker. XXXX XXXX acknowledged checks were cashed on XX/XX/2022. I suspect the bank made a mistake. Images are not available for me to view from the check deposit. Bank is hiding information
Product: Debt collection

This company is breaking the lawn failing to provide proper Validation details as required under 12 CFR 1006 34 ( b ) ( 5 ). Despite this, they have added a collection Ive tried on several occasions to resolve this issue directly with them, but they continue to validate my rights, not only this company. But XXXX violated my rights!!! I am entitled to be compensated!! not only that please immediately remove all acct from my CONSUMER FILE/ CREDIT REPORTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020, JEFFERSON CAPITAL SYSTEM add a derogatory mark on my credit report per XXXX, XXXX  and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA JEFFERSON CAPITAL SYSTEM has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Mortgage

I submitted a complaint with XXXX last XXXX XXXX XXXX about the inquiry that they made into my credit report. The XXXX responded with a letter that they obtained inquiry with my permission that the Loan depot gave to them. The loan depot agent told me that this is only a soft pull and not a hard pull since this is just a verification and once we move forward with the loan they will do a " hard pull '' Unfortunately they were not able to qualify me for the loan and left damage to my credit by leaving that hard inquiry on my credit report.
Product: Credit reporting or other personal consumer reports

I Have reached out to all 3 credit bureaus and they have given me the run around I have sent in my FTC report, in months ago here are the accounts and inquires that need to be removed immediately. 

Account name and Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquires that are Fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

NOITICE XXXX XXXX IS IN VIOLATION OF ; Privacy Act of 1974 ( 5 U.S. Code 552a ) Important Definitions ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.

Again they need prior written instruction of the individual to whom it relates.

Section 3711 ( e ) of title 31 States ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information ; and Either way they have violated not only the Fair Credit Reporting Act but also the Privacy Act of 197XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXXXXXX Balance : {$0.00}, ( Original Creditor : XXXX XXXX ) XXXX Balance : {$770.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXXXXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$470.00} Status Account charged off. {$470.00} written off. {$470.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$7600.00} Status Account charged off. {$7600.00} written off. {$1800.00} past due as of XX/XX/XXXX. 
XXXX  CARD Potentially negative Date opened XX/XX/XXXX Balance {$800.00} Status Account charged off. 

FCRA violations : payments never late XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Open.
Product: Credit reporting or other personal consumer reports

Im writing to bring your attention to a credit inquiry on my report that I did not authorize, and it clearly has no permissible purpose. Im not sure how this inquiry was made, but I want to make it clear that I never gave permission for it.