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 and 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 acts have caused significant inconvenience and financial loss and seek appropriate redress for these violations.
Product: Credit reporting

Unknown, and no verification provided, I am also XXXX not XXXX.
Product: Credit reporting or other personal consumer reports

Several months ago i was contacted by XXXX XXXX XXXX who proceeded to violate my consumer rights first by falsely giving me the consumer the impression that they are a law firm, then pretending to have a business opportunity for me and solicited all my presonal information which violates the Privacy Act of 1974 and an array of Consumer Laws. They then retaliated against me as they sated they would, and deliberately negatively reported to the credit reporting agencies against my explicit verbal and written demands. The company willfully ignored all my lawful affidavits including a debt verification/validation request. As this context pertains to CFPB Complaint : XXXX, the credit reporting agencies were made aware of this Several months ago but continued to furnish reports of an alleged debt i have no awareness of, and by fact of law, one that was dissolved under Legal Maxims of Consumer laws, and contractual laws when XXXX XXXX  XXXX Failed to respond to the lawful affidavits in the lawful alloted time, thereby dissolvingany obligations i have to this alleged debt. The account was disputed multiple times and is still being negatively reported on my credit file causing injury and binding of my contractual powers presently and henceforth. As the credit reporting agencies have had multiple opportunities to remove the debt. And has conducted and concluded multiple investigations already in good faith they can not be granted more time. Therefore, the conditional/ contractual stipulation of the 48 hour period at the time it was stated is within my contracting powers according to Uniform Commercial Code and the United States Book of Codes. I do not consent to the credit reporting agencies anymore time. My contractual terms are still stands. I Therefore reject the offer, or request of the credit reporting agencies for more time. with facial relevance- this is a NOTICE OF NO CONTRACT. OFFER REJECTED All Rights Reserved UCC 1-308.
Product: Debt collection

I got a call from XXXX which comes up on my phone as " XXXX XXXX '' saying I owe XXXX XXXX. 

No clue who these people are and I dispute the entire transaction and think it is a scam debt collection.
Product: Debt collection

I lived in this place. It was infested with roaches. I could not eat for all three months that I was there have numerous amount of pictures. They charge me an outrageous price, and I asked for it to be negotiated being as though I still dont have a home because of them selling infested properties to people just to pay the bills They were disgusting. I have pictures a lot of evidence. I asked to negotiate the price so that I am able to rent again elsewhere they didnt do anything about it. They were very rude and it is unfortunate because I had to live in those conditions and they did not care. They let me get out the lease and put that I owe them that amount of money which they tend to change every XXXX weeks on my credit the price goes up, i didnt eat for 4 months because roaches were in my kitchen
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 XXXXXXXX Balance : - ; XXXX XXXX XXXX Reference # : XXXX ; XXXX  : XXXX XXXX Reference # : XXXX ; XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

On XX/XX/XXXX at XXXX I received three back to back emails from " Bank of America XXXX. The first email was asking me to verify my email address with a link to " confirm email ''. The second email said I was now enrolled in Online and Mobile Banking with a link to " view service agreement '' and the third email stated that my application for a Bank of America Advantage SafeBalance Banking Account was declined due to information obtained from XXXX XXXX XXXX XXXX and " the key factors that adversely affected your deposit account score were the status of the relationship with the inquiring bank, the number of times account ( s ) have been in a high risk status, and the number of different banks inquiring during the last year ''. I have never been a customer of Bank of America and have never had any type of account or credit card with them. I did not click on any of the links in any of the emails and I went in person to a BoA branch who looked up my SSN through their system and was able to find my name, address, and email but I had no history of any type of past or active accounts. There was a phone number listed but the phone number was not mine and I searched the number online and it was getting results of an area code in Florida which I have no friends or family in that state. The employee at BoA also said that the email address which I received the emails from do not look like a familiar email that BoA would use. I am still concerned that someone attempted to open an account with my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to bring to your attention a matter of great concern. Upon reviewing my credit file, I have discovered several files that are not mine, indicating a potential compromise of my personal information. As you are likely aware, under section 605b of the FCRA, it is legally required that any account found to be opened due to identity theft be removed promptly. I have filed a dispute and provided the necessary FTC Report and the bank 's records, as required by law. While I appreciate your attention to this matter, I would like to request that you provide me with any documentation that you possess regarding these accounts. I understand that according to the FCRA, you are required to verify the accuracy of the information contained within my credit file, and I would like to ensure that all accounts listed are indeed true, accurate, correct, complete, and verifiable. I need the following items removed as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX  XXXX Bankruptcy : Bankruptcy Reference Number XXXX XXXX  XXXX Bankruptcy : Bankruptcy Reference Number XXXXXXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX, XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX  XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX. Should you determine that any of these disputed accounts are indeed mine, I would appreciate receiving copies of any documentation bearing my signature, as it would greatly assist in my understanding of the situation. In the event that you are unable to provide me with satisfactory documentation to support the accounts listed in my credit file, I will have no choice but to take legal action.
Product: Mortgage

On  XXXX / XXXX / XXXX   XXXX  sold the loan t o Suna Capital -  XXXX   is out of bus.    Suna servi ced the loan from  XXXX / XXXX / XXXX  to i believe  XXXX .    Suna  capital payments were p % i, then starting XX/XX/XXXX  i requested to include the taxes and insurance within the payment.   made lump sum   Suna Capital plus paid there legal fees. provided documentations.
Then Suna Capital sold the mortga  ge to  XXXX   XXXX  in  XXXX .   the escrows according  XXXX   XXXX  were never transfered over.     i was told by  XXXX   XXXX  to contact   Suna Capital to get the escrows transfered.
Suna Captial contact pe  rson is  XXXX   XXXX  whom was very difficult to deal with. He made me feel like i was stupid and i believe that he would of preferred that my home go to foreclosure.   he made very degrading comments. he mentioned that people were contacting him about my home and that it must be in a nice area. he aslo said i was better off to walk away. that is very unprofessional.   My attorney his name was Attorney  XXXX   XXXX   XXXX   Suna Captial  attorney was  XXXX   XXXX   XXXX
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX Balance : {$370.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$440.00} ; XXXX XXXX XXXX XXXX Balance : {$41000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX  XXXX Balance : {$2200.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX  Original Creditor : XXXX XXXXXXXX Balance : {$580.00} ; XXXX & XXXX Original XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2400.00} ; XXXX XXXX XXXX Original XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} ; XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX  XXXX Balance : {$980.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a used vehicle in the state of NJ in XXXX, unfortunately, my loan was approved through Santander Consumer USA. During the lawsuit between the CFPB and Santander my account was removed from all XXXX credit bureaus but after the lawsuit was over my Santander account reappeared with all the bureaus. My payment history from XXXX until the end of XXXX was wiped away -no history is being reflected. I have tried to reach out the them and to the credit bureaus stating that not only was my account readded but isn't reflecting accurate history. The majority of the information currently reflected is negative history all of my positive history is missing. Isn't it illegal to readd an account that was removed due to the violation of FCRA. My balances are never correct or up to date as well. My account number is wrong as well.
Product: Money transfer, virtual currency, or money service

Since we began services with PayPal 5 years ago, while trusting this company with my personal and business funds, on XX/XX/2021 PayPal has obstructed our businesses. Prior to this, my businesses were using PayPal with no issues. Come XXXX I tried to transfer funds from my PayPal to my bank account and was unable to. I called PayPal and the customer service agent told me I shouldn't worry, that it was only a measure they took and needed additional information. I quickly provided PayPal all the information requested and waited a few days and received no response. Transactions were still processing into my PayPal account. Days later, I receive a call that completely startled me, I was told that my account has been limited for 180 Days! That all funds in the account were on hold and non transferrable. This was the start of a large downfall for my businesses. As well as much financial troubles for my family and continues to be. We had multiple 5 figures in the account that was needed for cash flow. All orders have been delivered promptly, I provided tracking for all orders. It has been several months now, and I am still unable to access these funds. This is taking food out the mouths of my family and disabling me from paying my rent. I understand to PayPal this sum of money may not be significant, but in my situation this put me on the verge of bankruptcy. If I am unable to have access to these funds soon, then not only my business will collapse, but my family will continue to suffer. I have not abused PayPal 's services in any way, this must be a mistake. I have reached out to PayPal several times, but there is no response. PayPal closed my account for no clear reason and has left me with no clear way forward. My email linked to my PayPal is XXXX. UPDATE : After waiting a full 180 days PayPal transferred themselves all the funds I have waited months for. However to my last filing they stated they will return all funds after 180 days. PayPal first held my funds and now embezzled them. I want my funds back PayPal. I will be joining a class action law suit against PayPal with XXXX XXXX XXXX. PayPal my family needs my funds returned immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report there were several things incorrect on my report. please have these items removed as soon as possible after careful review. I have reported this to the credit bureau for removal. This is keeping me from obtains housing and a job.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three Credit Bureaus/AgencieXXXX XXXX XXXX, Equifax, XXXX XXXX  and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX? XXXX XXXX involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : Please be advised that I have received your correspondence dated  XX/XX/2017    This is not a refusal to pay or a cease notice, but a notice that your claim of monies owed is disputed. According to the FDCPA you must validate a debt to a debtor if the debtor responds to your primary notice within a matter of days. Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid.  See   FTC.gov staff  attorney opinion findings for details. Please dont send back a print out. The proof requested is as follows : Please know that everything must match Date you purchased debt Amount you paid for said debt Original Date of Charge Off Date of last payment/activity if any Creditors full name and address All records pertaining to actual debt to prove validity.   I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario. Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required. Please understand as well that under the FCRA any furnisher of information must put the account rating on hold while the debt is being investigated. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you.   Awaiting your reply in a timely manner.   Sincerely,  XXXX   XXXX   XXXX
Product: Vehicle loan or lease

I called Tidewater finance on XX/XX/XXXX and requested a full copy of payment history and an original document with signatures and verification of how much according to them I owe only account # XXXX. My loan agreement states that the loan is for 66 months ( 56 payments ) at XXXX per month Ive had this account with tidewater since XX/XX/XXXX. My account with tidewater should end in XX/XX/XXXX. Tidewater is stateing that I still owe them over 7200 in payments. I believe that I owe tidewater far less which should be XXXX. XXXX dollars exceeds the the loan agreement. When I spoke with a representative today which they have my account in collections because the state that my XXXX payment is late and my XXXX payment is also late I have paid XXXX payment thru XXXX XXXX and my XXXX payment is due on the XXXX of each month and my XXXX payment had already been counted as late according to the rep. My XXXX payment was made on XX/XX/XXXX. According to all three credit bureaus I still owe XXXX and my account hasnt been updated since XXXX and XXXX on some bureaus. I would like for my account to be updated correctly and all money that has been paid applied to my account and since they are reporting my account incorrect I would like all payments brought to good standing for the untruth that has been being applied and Negative standing which Ive have been correcting for quite some time now.
Product: Debt collection

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

I demand that the following account be verified or removed immediately : Collections : PORTFOLIO RECOVERY # : XXXX PORTFOLIO RECOVERY # : XXXX PORTFOLIO RECOVERY # : XXXX PORTFOLIO RECOVERY # : XXXX PORTFOLIO RECOVERY # : XXXX PORTFOLIO RECOVERY # : XXXX
Product: Mortgage

Wells Fargo has been reporting to the credit agencies that we have missedmortgage payments and are delinquent. The reporting of this information by Wells Fargo is an error and is false. As victims of XXXX XXXX, we were told by Wells Fargo that we were eligible for a forbearance on our mortgage payment. We were informed that the excused mortgage payments would be added onto the end of the loan. After several months of the forbearance, we started to make our usual monthly payment. Shortly thereafter, we received notification from Wells Fargo that the entire balance for the months of the forbearance were due in full. We continued to make our monthly mortgage payment, however, the payment was being applied to the first month of the forbearance, thereby, making it appear that we were continually missing payments. 

When we called, we were told by Wells Fargo that the information we received regarding the repayment of the forbearance was incorrect. Wells Fargo stated that this was the result of inaccurate and misinformation being administered by customer service. In an effort to administer aid to XXXX victims as quickly as possible, customer service was not fully knowledgeable of what procedures regarding forbearances were permitted and how repayment was to be handled. 

For the months we were given the forbearance by Wells Fargo the funds were used to repair the residence. This was necessary because FEMA did not provide any funding for over XXXX months. When we received the final payment from FEMA and paid off the contractors, the funds remaining were used to catch up with the payments missed as a result of the forbearance. By this time, our credit report indicated that we had missed eleven mortgage payments. We have made numerous phone calls and even have written a letter to the office of the CEO, to try to resolve this error to no avail. It can be verified that prior to the authorized forbearance by Wells Fargo, we never missed a payment nor were we ever over XXXX days late.
Product: Debt collection

I rented an apartment at XXXX XXXX XXXX ( XXXX XXXX   XXXX ) from XXXX of XXXX to XXXX of XXXX. The lease stated that a visual inspection of the home would be performed at the conclusion of my lease and stated that it would be performed using a blacklight since I have pets. As such, when I moved into the apartment, I performed an inspection including using a blacklight. I did not on the move in form that there were several stains on the carpet which they said they would resolve. 

When I went to move out, they brought in a carpet crew to lift the carpet and review the underside. This was NOT stated in the lease that this would be a means of inspection or I would have demanded the same prior to moving in. They identified a stain that could not have been caused by my dog since I moved my furniture into the home before I brought my dog and the stain was always covered by furniture the entire time my dog lived there. She died only 2 months into the lease. 

After my lease was terminated, at the end of XXXX, I was contacted from the apartment complex front desk staff saying that they had mailed me an invoice and that it was due. I had never received an invoice nor do I feel that I am liable for a stain that was not caused by me, nor was I ever given adequate ability to inspect. They told me they were promptly turning my debt over to collections. 

On XX/XX/XXXX, I was contacted by Genesis and told they were hired by XXXX XXXX ( the owners of the apartments ) and that they were collecting {$1300.00}. I promptly contacted them and told them I was disputing this as I don't believe I owe as XXXX violated the terms of their lease agreement. 

I had my attorney reach out to them. On XX/XX/XXXX, XXXX XXXX of XXXX XXXX XXXX sent a request for records and a formal dispute. The collections company did not reply. My attorney subsequently sent in supporting documentation and again got nothing. 

A collections appeared on my credit report in XXXX of XXXX.