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

I am filing a complaint against Cash App XXXX Block Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 Transunion reported a hard inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. XXXX Phone XXXX I was not applying for credit anywhere. 
I called the phone number and the recording claimed to be Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've filed multiple requests for incorrect data from American Express on my XXXX credit report to be corrected or DELETED. This data is for the two American Express Account # 's as listed on the attached copies of my credit reports. These two accounts were both PAID IN FULL on XXXX XXXX XXXX and confirmed by the attorney representing American Express ( see  attached letter from attorney, dated XXXX XXXX, XXXX ). It 's been well over 80 days since I filed my recent complaint on XXXX XXXX, XXXX and the data has still not be corrected on my report. Over the last several months American Express has posted multiple incorrect dates the most damaging being on one of the accounts with the date of XXXX XXXX as the last pay date and last date of " in collection status '' and the other account with a XXXX XXXX date. As a result these incorrect entries have damaged my credit score and ability to secure a refinance on my mortgage. I 'm requesting both accounts be DELETED based on the FCRA rules and time limitations on correcting errors on Credit Reports. Again ... These two accounts were paid in full on XXXX XXXX, XXXX and confirmed by their attorney, via the attached letter!
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed all three credit bureaus XX/XX/2021, to verify there reporting on my credit report and they failed to do so. They had 30 days to reply are delete the reports by law. They are in Violated of 15 usc 1681b.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account received a properly investigation of my disputes but how is that possib ; e if the open date is inaccurate the date last active is inaccurate and the date last reported is not accurate. This ground for removal they also violated my rights under : 15USC 1681 SECTION 602SA ; STATES I HAVE A RIGHT TO PRIVACY 15 USC 1681 SECTION 604A SECTION 2 : STATES A CONSUMER REPORTIONG AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS According to 15USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} I want {$1000.00} per violation
Product: Debt collection

I am not liable for this debt with XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX., I do not have a contract with Portfolio Recovery Associates LLC, they did not provide me with the original contract as i requested.
Product: Debt collection

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. XXXXXXXX XXXX  By TransUnion Account # XXXX High Balance : {$630.00} Last XXXX Date of Last XXXX Date XXXX Date XXXX Balance Owed : {$630.00} Closed Date : Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : Other Collection Agencies Account Status : Open Payment Status : Collection/Chargeoff Creditor Remarks : Account information disputed by consumer, meets FCRA requirements Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Last Payment : Past Due Amount XXXX Account XXXX : XXXX Account # XXXX High Balance : {$630.00} Last XXXX : Date of Last XXXX Date XXXX Date XXXX Balance Owed : {$630.00} Closed Date : Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : Other Collection Agencies Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Account information disputed by consumer, meets FCRA requirements Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXast Payment : Past Due Amount : Account Type : XXXX Account # XXXX XXXX XXXX XXXX {$630.00} Last Verified : Date of Last XXXX Date XXXX XXXX XXXX Balance Owed : {$630.00} Closed Date : Account Rating : Derogatory Account Description : Individual Dispute Status : Account disputed Creditor Type : Factoring Companies Account Status : Open Payment Status : Late 120 Days Creditor Remarks : Consumer disputes this account information Collection account Last Payment : {$0.00} Term Lenght:XXXX Past Due Amount : {$630.00} Account Type : Collection Payment Frecuency : Credit limit : {$0.00} In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation. MOST COMMON CHARGE-OFF INACCURACIES Repeatedly reporting charge-offs every month a. Every time your account updates the statute of limitations is extended ; every update makes the account look newer than it is. REAGING THE ACCOUNT IS ILLEGAL! As you can see anything match on this account please verified accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Product: Debt collection

Oh boy, am I upset!!!! 

ERC ( I believe thats the company ) has been reporting a collections account on my credit report for a couple YEARS now! I have disputed it twice and each time its come back verified. Impossible, due to the fact I dont have an account with XXXX - and never did. XXXX since 2007! Last week I FINALLY received some form of communication from this collection company. They sent me a sprint bill for an address Ive NEVER lived at! I immediately contacted sprint, seeing as how theyre the original creditor. The customer service rep, XXXX, actually told me he had no record of me holding an account with sprint, let alone owing them! I told them ERC is reporting a DEBT COLLECTION for XXXX. XXXX CUSTOMER SERVICE REP THEN SAID ERC DOES NOT OWN THE RIGHT TO COLLECT ANY DEBT ON THE BEHALF OF XXXX this is ILLEGAL. I called XXXX with intentions on paying a bill that I DID NOT OWE, just to rid myself of ERC! Turns out theyre reporting a fraudulent account and causing me emotional stress over a bill that isnt mine. Thank XXXX I contacted XXXX. ERC, please stop reporting this account to the credit bureaus. I have contacted the original creditor and confirmed I do not owe any monetary payment to their company. This is illegal. You guys have a track record of purchasing debt for fraudulently opened accounts then harassing customers for 7 years if youre able to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a letter of dispute to TransUnion originally in XX/XX/2020 I received confirmation and results. I proceeded to dispute those results as the information listed on my account are still reported in error. I requested they check each item on my credit with the credit grantor that's reported the information. I also requested that any information that can not be verified be removed from my credit report. TransUnion failed to reply to my request but did however acknowledge that they had received my request on XX/XX/2020, and we have surpassed over 50 days. I was the victim of ID Theft and there was a police report filed regarding a house that was placed on my credit and that has since been removed. The was also an alert placed with all 3 credit bureaus regarding being a victim of ID Theft that recently expired so TransUnion was aware.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mailed four written request to each credit bureau to dispute an unverified account on my credit profile. Under the FCRA you are required to have a copy of the original creditors documentation on file to verify that the information is correct. Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) a consumer contract with my signature on it.

Received four written letters in return from each credit bureau after each investigation stating that the account was verified.

Despite all four letters mailed I was never provided a copy of any documentation with my signature on it as requested. Yet, the account XXXX XXXX XXXX XXXX still remains on my credit profile unverified. According to the FCRA section 611 ( 5 ) ( A ) you are required to promptly delete all information which can not be verified. 

Date letters mailed : XXXX XXXX XXXX XXXX XX/XX/2022 XX/XX/2022 Account : XXXX XXXX XXXX XXXX # XXXX Amount : {$760.00}
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Payment Details First Half Tax Paid PAID DATE : XXXX/XXXX/15 : {$2500.00} First Half Tax Amount : {$2500.00} {$0.00} Paid Second Half To Pay Second Half Tax Amount : {$2500.00} {$2500.00} Unpaid Bank did not cr the amt they paid to my mortage, on my recent statement. 

Also the court threw out their complaint XXXX/XXXX/15 Payment Details Pay Period Payment Details Balance Due Status First Half Tax Paid PAID DATE : XXXX/XXXX/15 : {$2500.00} First Half Tax Amount : {$2500.00} {$0.00} Paid Second Half To Pay Second Half Tax Amount : {$2500.00} {$2500.00} Unpaid court rule that wells defaulted by not answering complaint,
Product: Bank account or service

I went to the ATM at the Wells Fargo location in XXXX, IN like usual. The v machine has been extra slow the last several weeks and I 've just put up with the long line of cars that forms behind me whenever I 'm using it for deposits, however this time it took my money and miscalculated it! WTF? If the tellers did n't try to sell me something every single time I complete a transaction I might not hesitate to go inside so often, but dealing with them is almost more rotten then the broken atm! Please replace or service it asap! Thanks!!!
Product: Credit card or prepaid card

XXXX XXXX my XXXX Visa reword card closed without informing. 
My credit score was good and no explanation why my account closed.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX, and XXXX # XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the rights privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions.
Product: Credit card or prepaid card

My Fidelity Investments credit card was alway paid with Autopay feature. 
They transferred business to XXXX XXXX XXXX XXXX in the fall of XX/XX/2018 without notifying me. I've optioned to receive all information from Fidelity Investments via email. 

While doing my taxes and pulling monthly statements I discovered Autopay had been stopped without my knowing and I had monthly penalty fees. I called immediately and XXXX XXXX informed me that I needed to re-enter autopay, of which I was never informed about. 

I asked XXXX to waive late penalty fees due to lack of notification and I'd pay my small balance, but they refused. Outstanding credit card late charges make up greater than {$200.00} of the {$260.00} balance due. 

My card has been canceled, yet now they say i will be charged their crazy interest rates on outstanding balance of a dead credit card. 
This is malicious and predatory considering I never received notification of policy change. 

Please help.
Product: Debt collection

I filed a compliant on XX/XX/XXXX against Bull City Solutions and they still failed to provide with proof of the debt that they insist that I owe. I thought the purpose of filing a complaint for them to prove that I was responsible for the debt. I was in violation of my HIPPA because at no time did they provide proof that I signed documentation with that company to have authorization to handle anything that pertains to my name. My compliant was closed with them not even providing proof and I thought this was the steps to resolve this issue. I am not responsible for this debt and they have yet to show proof. I have provided what I said and their response. It can not be as simple as them saying that they have information that I already requested now say simply they have documentation that they never provided. I want resolution to this issue. I want a document with my license and signature authorizing that I have a account with them. If they can not produce the requested information I want those accounts deleted from my credit reports with all agencies. 

My initial response with compliant number and the responses Compliant number XXXX On XX/XX/XXXX, I sent a certified letter to Bull City Financial Solutions . The letter was a standard debt verification letter. I received a response via mail dated for XX/XX/XXXX. The response was a print out of a supposed bill/procedures. Attached in the letter was assuming doctor visits and lab procedures that were performed. This documentation is in violation of my HIPPA law. I did not authorize them to have any documentation of any of my medical history or anything relating to anything I may have done at my doctors office. They could not verify that this debt belongs to me. 


Bull City Response : Bull City Financial Solutions has conducted research. Validation of the debt from the original creditor has been sent to the consumer at the address Bull City Financial Solutions has on file. Copies of her driver 's license off our clients system has been sent as further proof the debt belongs to her. Our Help Desk is available to assist consumers and may be reached directly via telephone at XXXX.
Product: Student loan

My loan servicer, Mohela, is supposed to accept Public Service Loan Forgiveness ( PSLF ) certifications. They state that they will take XXXX  days to process PSLF certifications. I submitted a certification on XX/XX/XXXX. That request was canceled without my consent by Mohela. I called and they acknowledged their error. It was re-submitted for processing on XX/XX/XXXX. It was then canceled again without my consent by Mohela. I called again and it was then re-submitted in XX/XX/XXXX. 

The resolution of this certification is now over XXXX  months delayed with no end in sight. In addition to unfairly cancelling PSLF certifications, Mohela never alerts me to it so I am left trying to find out on my own whether they are doing their job or not.
Product: Mortgage

I can not get PHH mortgage to confirm by email or letter that I have paid off my loan in full. 
I have tried repeatedly ... spoken to them on 2 occasions and they say they will send me a confirming letter and email with payoff info. 
BUT I have not recevied either and it has been almost 1 month since payoff on XX/XX/19. 

I have called at least 6 x and been disconnected 2x after 30-54 minutes on hold. I have spoken to Escalation Managers ( XXXX # XXXX ) 2x after being on hold for over 45 minutes. I was promised email in 24 hrs and letter in 7 -10 days ... no response. 

I have sent email complaint to XXXX ... got 8 responses in 1 day that they would call me within 5 days ... .no calls. 

I sent email complaint to XXXX ( parent co. ) and it came back undelivered. 

I have received double invoices for payment AFTER I have fully paid off the loan! 

I have tried to reach the VP of Mortgage Servicing XXXX XXXX but his office goes to voice mail and on hold / disconnect. 
PHH is either dishonest or incompetent but I deserve better as I was a great customer for their mortgage business. Never late etc
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 privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 SECTION 602 A. States i have the right to privacy.

15 U.S.C 1681 SECTION 604 A : It also states a consumer reporting agency can not furnish an 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 adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15.U.S.C. 1618s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and seen multiple inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks are detrimental to my credit health and life.
Product: Debt collection

received notice that a new debit from Diginifi-Confident Financial Solutions was added to my credit report on XX/XX/2023. I did not take out this loan and do not know who this company is. I tried to contact the company on several occasions however they would not work with me. Filed a identity theft report with Identitytheft.gov and still no reslolve. Have sent letters and still no response. Filed a freeze on my account with all creditors and sent all creditors XXXX, XXXX, and XXXX letters to remove the false debit which was done. Dignifi was removed from credit report but was now added back due to Diginifi adding it back again. I state again this is not my debit and I do not know who Diginifi is.
Product: Credit card or prepaid card

In XXXX I received a pre-approval from Capital One for the Quicksilver card. The benefits were zero percent APR for 15 months and {$200.00} bonus after spending {$500.00} within the first 3 month. 

I checked today and saw my Zero APR ends XX/XX/2023, 9 months. I called and verified that I qualified for and received the pre-approved offer for the exact card. I also spent {$500.00} within 3 months of opening the account. I was told I wasn't eligible for 15 months zero APR or the {$200.00} bonus without any explanation except that I didn't get that benefit and if I read the " fine print ''. I see nothing that says the benefits are conditional and not given to everyone who qualifies for that particular card. None of the Quicksilver cards offer no annual fee, zero APR or {$200.00} bonus but the one I have yet, I didn't get the 15 months or {$200.00}. When I completed the application there was nothing that informed me that I didn't qualify for these benefits either.
Product: Checking or savings account

It is their policies and actions taken that brought me to issue this complaint. The intended response is to get them to change their policies to honor my attempts to purchase any item I choose without the fear of losing the very thing I purchase. The latest example was a class that I've been attending for several months has had my monthly payment denied because of the bank 's policies. I've lost chances to gain a good deal on products costing me several times more as a result. The bank 's response is that their system automatically denies the payment so it's out of their hands. I say that a computer can not perform an action without the programming telling it to do so. Please help me to get them to change their policies.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, these incorrect addresses remain listed : These incorrect addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct address, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX & XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX Factual Data ran my credit for XXXX XXXX XXXX under false pretense. The original loan applicant was my mother XXXX XXXX and she was seeking to refinance her property. I was told by the loan officer to submit my information but did not know they can not refinance under my name as my mother is the current owner of the property. To which the company apologized but said they do not know how to remove the inquiry. The second time on XX/XX/XXXX they ran my credit again and when approached had no idea why that happened. The company informed me that there must have been a glitch in the system and that once again they do not know how to remove the inquiry off the credit. All the conversations were recorded and can be requested by the company.