23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/year> at XXXX cashapp sent me XXXX text messages. The first one said " Cash App : Your account and routing numbers have been XXXX. You no longer have access to direct deposit. '' Directly after that text I received another one at the same time XXXX and this one stated " Cash App : Your account and routing numbers have been reactivated. You can now use your account and routing numbers for direct deposit. '' IMMEDIATELY I reached out to their support team to figure out why I had got those messages. While chatting with cashapp support I noticed that my cashapp debit card would not unlock for use. Every other function was still about to be used. I also addressed this issue with the cashapp rep. They went on to tell me I needed to provide proof of my address. At that time I asked why this was ironically happing now almost XXXX weeks after the cashapp legal settlement submission deadline. I informed the report that I have had this account for over 4 years and have never had an issue reported an issue or complained. I have ALSWAYS updated my cashapp information when I move as to not lose access to it and to keep them up to date with my current place of residence and employment. I have also had my checks deposited into this account for over 4 years. None of this made any sense to me because I didn't make a fraud report or dispute any transactions or info. The cashapp rep went on to tell me that I had to upload proof of address so I could gain access to my card that I DID NOT LOCK and my fund. I submitted my residence lease as well as my most current paystub. All of which had all my person info and social. Cashapp has never reached back out with any update or unlocked my card. They have sent all my funds back to my payroll center but my cashapp account is still able to be used for everything else. I have reached out day after day trying to speak woth someone who can actually help me and give me real reasoning and information behind these issues. Everytime they read me a script as to where my case stands and that when their escalation team has reviewed they will email me. They will not let me speak to an escalation department nor has one reached out to me. I have submitted many complaints as well that have not been addressed. I have took pictures and recorded all this is going on. This happen a week before XXXX therefore locking my funds that were already on my card hindering me from celebrating XXXX for my XXXX children. This is also destroying my livelyhood for all my money is not accessible for me to pay bills and care for my kids. Cashapp does not have proper help in order and are not provided with the tools needed to actually assist their customers. My cases is not being resolved nor looked into. They refuse to give me any updated information letting me know when my account will be active again and or why this ecen happen to begin with.
Product: Money transfer, virtual currency, or money service

This is a resubmission or my initial complaint against Zelle, as their dismissive response requires no action from consumers. Your response to legitimate consumer complaints reflects exactly why the CFPB is suing Zelle under violations of the Consumer Financial Protection Act ( CFPA ) and Electronic Fund Transfer Act ( EFTA ). Per the CFPB 's lawsuit filed XX/XX/year> ( XXXX XXXX ) Zelle failed to implement adequate fraud prevention measures and investigate consumer claims, resulting in over {$870.00} XXXX in documented fraud losses. Your claim of " insufficient facts '' directly mirrors the lawsuit 's allegations of systematically denying valid consumer complaints. Under EFTA ( 15 U.S.C. 1693f ), financial institutions must conduct reasonable investigations of reported errors. My complaint warrants a proper investigation, not dismissal.
Product: Mortgage

During the COVID-19 Pandemic, I got behind on my mortgage helping take care of elder family members and other family members due to the pandemic. I applied and received a forbearance of my mortgage payments under the CARES-ACT. At the end of the forbearance, I spoke with the representative of Carrington Mortgage about the different options of repayment. She explained the options, while I looked at it online and completed the forms via over the phone. When the papers came in the mail, the papers were different from what was discussed on the phone. The papers detailed the plan of repayment, but a lump sum was due to be paid after the loan term ended. When it was explained and discussed over the phone, the missed payments were supposed to be put at the back ended of the loan and I would just continue my current monthly payment. So, I called Carrington Mortgage to get this straightened out. A supervisor or case manager was suppose to call me, but never called. I called Carrington Mortgage to speak with them since no one called me back. At that point, after waiting for someone to get back to me, I was told that option is no longer available. So then, after discussing options again and waiting for more paperwork to come in, they presented me with my plan. This time, they reduced my payment, but again a lump sum is due at the end of my loan term. If I had an extra XXXX  I wouldn't have needed the forbearance to begin with. Prior to the pandemic, I never missed a payment or was late with a payment. Carrington Mortgage is not trying to work to resolved this matter. I can continue my original payments without a problem. I just would like my missed payments tacked back onto the back end of my loan instead of Lump sum being due at the end of my loan. This plan puts a second mortgage on my credit report and hurts my credit score. This plan hurts me all the way around.
Product: Credit card

Submitted a Dispute on a transaction for XXXX on XX/XX/year>. {$580.00} was the total amount. Received an empty XXXX package without the product that was purchased. Contacted XXXX and they closed my account. Contacted my bank which is avant to dispute it. Avant told me they closed the case in merchants favor. I never received an email or letter through mail on this information. I have supportive documents to re open the case in which they refuse to re open.
Product: Debt collection

On XX/XX/2022 I sent a certified letter to this debt collection letter requesting a validation letter and a signed consent releasing my medical information to them. On XX/XX/2022 an itemized bill with treatments was returned without a consent to release medical information to them. This is violating hippa, so on XX/XX/2022 another certified letter was sent requesting removal due to hippa violation.
Product: Mortgage

On XX/XX/2020 my home mortgage was transferred from XXXX XXXX XXXX SPECIALIZED LOAN SERVICING LLC. Ever since my mortgage was transferred, i've been unable to access my account. The SLS site throws an " Account not found '' error message when i try to register online, and after 4 months, 14 phone calls to SLS ' customer care, using their customer care chat support and several emails I am still locked out of my account.

The SLS customer service refuses to assist, and their promises of responding to email, tier 2 escalations, callbacks have proved to be false so far. More worryingly several agents that i spoke to over the course of 3 months have speculated if they have an " incorrect Social Security Number '' on my account in their system, this is deeply worrying.

I am worried if my mortgage payment is being processed correctly, and if my escrow account is being used fairly. I request a fair and quick resolution to this problem since i have exhausted all avenues.
Product: Credit reporting or other personal consumer reports

I have been requesting for some time now to have the false and inaccurate information on my credit report to be corrected and removed, but I have been consistently ignored. I know I have rights as a consumer and it is blatantly being violated, this is really insulting and hurting my feelings badly. My life and credit score has been impacted negatively because of these errors being reported on my credit report.
Product: Mortgage

I am a XXXX  and I would like to file the complaint on behalf of XXXX XXXX  and myself The lender, XXXX XXXX nmls # XXXX, of Cardinal Financial XXXX XXXX nmls # XXXX, not doing his job and being dishonest in the process of the loan. The home was UC on XXXX XXXX and ( appraisal ordered XX/XX/2021 ) finally did not close as of today XX/XX/2021 due to Buyer not qualified for the loan after 9weeks UC. According to buyer 3 weeks ago the lender switched loan types to Conventional from FHA and never told me nor did he supply a new loan disclosure to the buyer to be aware of changes. The lack of professionalism and communication was the worst Ive ever dealt with in 17 years of being a XXXX. My buyer took money from a XXXX to purchase a house with knowledge from his lender that he could purchase a home and now he will be penalized if he does not use the money he withdrew by the end of the year. As an XXXX XXXX of 15 years, this should have never happened to a consumer.nor should anything be under contract for 9 weeks in false pretense
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of, while several laws were being broken under the FCRA by your company. This has caused me financial injury for months now. I can't get a job or apartment. I also cant apply for credit, due to pandemic I am in need of funding but can't get it due to your company
Product: Credit reporting or other personal consumer reports

Recently i did a investigation of my credit report, which caused severe XXXX on me, i found unveriable, inaccurate, invalidated and questionable items that your agency didnt make sure it was reporting 100 % accurate. In accordance with Fair Credit Reporting Act, everything must be correct and under 15 US Code 1681i { 5 } these accounts are in violation of not reporting 100 % accurate. The credit reporting agency says that these accounts were properly investigated abd came back as verified. However how is this true when there are several inaccuraties ahowing on my report? As a consumer, i request to know all the steps your agency took to ensure these items were correct under Code 15 US 1681i { 7 } Method of verification- Description of reinvestigation procedure.
Product: Checking or savings account

THIS IS A CONSISTENT PROBLEM THAT I 'M CONTINUINING TO HAVE. 
ON XX/XX/XXXX AND XX/XX/XXXX MY BANK ACCOUNT WAS DEBITED IN THE AMOUNT OF XXXX BY A COMPANY CALLED XXXX. I NEVER RECIEVED THE MERCHANDISE AND I FILED A DISPUTE WITH MY BANK AND THEY CREDITED ME BACK THE XXXX ON XX/XX/XXXX, I RECEIVED A LETTER FROM MY BANK STATING THAT ON XX/XX/XXXX, THE CREDIT WILL BE REVERSED. THIS IS UNACCEPTABLE AND I WANT AN INVESTIGATION INTO THE MATTER. I SHOULD NOT BE PENALIZED FOR MERCHANDISE I NEVER RECEIVED.
Product: Credit card or prepaid card

Please accept this formal complaint against Citi Cards, XXXX XXXX XXXX, XXXX XXXX, SD XXXX. I have two credit cards with Citi Card. On card ending in # XXXX my XX/XX/XXXX statement payment was due on XXXX XXXX, a Saturday. Payment was taken from my checking account XX/XX/XXXX. On my XX/XX/XXXX statement payment was recorded as received on XX/XX/XXXX, a Monday, along with a late fee of {$29.00}. I reached out for assistance from Citi Card sharing my information on the payment and they said I was late period. I am not aware of any financial transactions that can be completed on a weekend since the Federal Reserve is closed. The funds personally left my position/account on XX/XX/XXXX, prior to the due date. Citi Card refused to remove the late fee of {$29.00}. Please see attachments marked XXXX pmt. 
I feel my method of payment is being discriminated against. I tested a similar transaction on a Saturday by going to their website and initiating a payment to Citi Card from my checking account on XX/XX/XXXX, a Saturday. Citi Card recorded the payment received from me on same day, but the funds were not received by Citi Card until XX/XX/XXXX, a Monday. The same day taken from my checking account. This was not considered late, but Citi Card is receiving the dollars on the following Monday in both situations. Please see attachments marked Example test. Why are they treating these payments differently? 
I have been a customer of Citi XXXX since XXXX. In XXXX I opened a second credit card with them. When reviewing the last few years spend, on average it is approximately {$16000.00} per year. I pay in full and timely all my obligations. The merchant fees they earn on my purchases are an estimated {$480.00} per year approximately {$3000.00}. So, for trying/forcing me to pay a {$29.00} late fee they are willing to risk losing a loyal customer. They took it even a step further and reported me late to the credit bureaus I recently discovered. I recently applied with a new vendor for credit and was denied because of their false reporting. I started earning credit forty-three years ago and have NEVER missed a scheduled payment. My credit rating has always been exemplary. Its disturbing that Citi Card can tarnish this and prevent me from doing business for {$29.00} late fee that I feel is charged in error. I paid timely. 
Please help me have Citi Card recognize that my payment was made on time, just like the example test transaction that I completed. I request that they also reach out to all credit agencies and correct/remove what they reported in error ( which I am also told was vague late payments ). 

Thank you for your time and consideration,
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor
pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending letters to all three credit bureaus since XX/XX/XXXX. For my student loans my statue of limitation date are different on all three credit bureaus. Date of last activity, date opened are different across all three credit bureaus is a FCRA violation. Due to multiple FCRA violations, please delete! The statute of limitation is different from all three credit bureaus, XXXX is showing that the last payment was XX/XX/XXXX, but XXXX and Transunion show last payment was XX/XX/XXXX, that doesnt make sense. The late payment history is not correct, according to the two-year payment history TransUnion and XXXX shows that I was 30 days late in XX/XX/XXXX, but XXXX shows I was 30 days late in XXXX of XXXX. It also shows that I was 60 days late for the month of XX/XX/XXXX on Transunion and XXXX, but XXXX shows I was 60 days late XX/XX/XXXX. This is incorrect and my payments should be updated to current since the information is in violation of the FCRA. I even sent them copies of my credit report to show proof and all they say is its validated but it is incorrect information reporting.
Product: Credit reporting or other personal consumer reports

XXXX is reporting two late payments. I have never been late. I have disputed this with XXXX and they have done nothing!!! not been able to resolve it. 
A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

In accordance with fair credit reporting this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC section 1681 section 604 it also states a consumer reporting agency can not furnish an account without my written instructions. Again this discover card has been reported late multiple times please delete!!! 


Also I requested debt validation letters from XXXX XXXX XXXX and credit services. They just appeared as collections and have no clue of them I have been a victim of identity theft I have my credit file flagged and with a statement. They have not been able to provide the validation letter to me in writing with my signature and any agreement between me and them. I have disputed this with XXXX and all they do is say its validated however they dont provide the documentation that I have requested.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX XXXX XXXX : {$810.00}
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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/XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax, XXXX, XXXX for failing to properly investigate my disputes regarding inaccuracies, proof of ownership and/or correct dates in my credit report.

Despite my submissions, the creditors responds back stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Its been brought to my attention that these actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax, XXXX, & XXXX all comply with federal law and provides consumers with the necessary proof of investigation, original contracts to provide accurate dates/amounts/closures.
Product: Credit reporting or other personal consumer reports

My credit report is showing that I owe XXXX to XXXX and that I'm delinquent 120 days when It should display a XXXX balance with nothing past due..
Product: Credit reporting or other personal consumer reports

fcra and ftc violations, 15 u.s code 1681a ( 2 ) ( A ) ( i ) ,15 u.s code 1681e ( b ), 15 u.s code 1681i, 15 u.s code 1681i ( 5 ) ( a ) ( i ), 15 u.s code 1681 c-1 violation, 15 u.s code 1681 c-2, 15 u.s code 1692g validation of debt requested multiple times requested copy of the application for credit on the accounts listed, requesting copy of cardholder agreement or contract and any amendments that may have been made thereto as this will show what the terms of the contract are so i can see exactly what you are pursuing and the amount that you are trying to collect from me. a copy of the full purchase agreement between you and the original furnisher or furnisher in chain, so that i can be sure that you have the proper legal capacity and authority to collect this alleged debt that you claim that i owe you. as you can surmise, i have never done any business with you.
Product: Credit reporting or other personal consumer reports

on XX/XX/year> i got a alart from Myfico account that experian reported a collection to my report that dost not belong to me i contacted experian and filed my compliant and i file a fraud with ID thief.gov today i received another alart from myfico that XXXX is reporting the same collection that is not mine by the company XXXX XXXX XXXX please look into this fraud this is not mine and i have no idea where this just popped up from no where
Product: Credit reporting or other personal consumer reports

Issue : Fraud alert not removed by Experian representative. Details : Spoke with XXXX ( Consumer Affairs ) on XX/XX/year>. Requested removal of fraud alert. Was told they couldn't remove it because of technical issues once again blocking me from access to credit. saying this is in litigation when the case has been settled is manipulation I will add proof.
Product: Credit reporting, credit repair services, 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. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX  XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

See the below cases submitted to this agency on XX/XX/2022 where XXXX. XXXX XXXX  XXXX failed to removed the fraudulent charges from all credit reporting agencies as requested according to the FCRA. 

XXXX ; XXXX ; XXXX