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 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 ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements XXXX XXXX under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and XXXX financial loss, and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX  XXXX XXXX XXXX US DEPT ED-XXXX DPT EDXXXX XXXX  XXXX XXXX, I ( Original Creditor : XXXX XXXX XXXX ) -XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX**** XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX  ) XXXX**** XXXX XXXX XXXX XXXX
Product: Debt collection

I have not received ANY notification or communications related to this debt. My husband 's name is also on this debt, they have called him repeatedly but do not leave any sort of message or communication. When he did answer, he requested their information and reason for their call, and they hung up on him on multiple occasions - to the point we thought it was a scam. We have not received a written notice from them at all via email/mail, nor have they even attempted to even contact me. They have not followed the necessary protocols when it comes to debt collection. We have no way of disputing the debt, nor do we know anything about the company or the debt itself for that matter. The only reason I know the name of the company, is because it reported on my credit report today. Very disappointed in the way this company has conducted business and know our rights as a consumer have been violated.
Product: Mortgage

My Mortgage is with Provident Funding, it was started in XX/XX/XXXX. Payments were regular and on time. In early XXXX we had Hurricane Irma here in Florida and it tore down my fencing. As a natural disaster I obtained a forbearance with the thought of skipping mortgage for 2 months to pay for the fence. Unfortunately I became XXXX soon after and was not going to receive insurance for awhile so I used the full 6 months of the allowed forbearance which is within all rules and regulations set by the lender. Unfortunately there are no regulations to limit lenders on how the " restructure mortgages ''. Although there were options that I could not afford, the only option I could proceed with was to add 10 years to my term, which equates to ~ $ XXXX for the $ XXXX of forbearance! To me this is criminal and should be considered a predatory mortgage. When I complained to Provident Funding they said it wasn't there fault it was the fault of XXXX and XXXX, the underwriters of the loan. As I stated earlier, I'm XXXX and on XXXX only now, I've paid curent for the last 2 years, but I consider this awful and illegal and feel there must be some regulations against this corrupt restructuring. I want out of this loan but of course, I've struggled and my credit isn't the best. Please advise why there are no regulations to limit the profit a lender can make while restructuring after a legal forbearance? Best Regards, XXXX
Product: Credit reporting or other personal consumer reports

ACCT # : XXXX, XXXX, XXXX, XXXX SSN : XXXX DOB : XX/XX/XXXX ID : XXXX Address : XXXX XXXX XXXX XXXX, LA XXXX Dear XXXX XXXX, I recently received a debt collection notice from your office with an account number XXXX, XXXX, XXXX, XXXX. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this
Product: Credit card

Sears continues to maintain that I am past due in damaging my credit rating on their computer-generated XX/XX/2024 Statement in the amount of XXXX on a late fee that I believe was carried over from a reversed late fee by phone on XXXX in XXXXXXXX XXXX XXXX as I did not receive a XX/XX/2024 Statement before XXXX by mail. I brought my account current on XXXX by paying {$61.00} over the phone and was told that my {$29.00} late fee would be waived. On XXXX I paid my XXXX quoted fee of {$62.00} early before XXXX in XXXX 's billing computer generated carryover of {$150.00} for XXXX consecutive billing cycles. If you add {$61.00} ( XXXX ) and {$62.00} ( XXXX ) and the alleged late fee in XXXX it will equal {$150.00}. I will continue to dispute late fees in the amount of {$29.00} in the computer-generated XX/XX/2024 statement for {$110.00} due XXXX. On XXXX, I sent an electronic check for {$90.00} in disputing the additional {$29.00} late fee carryover for XX/XX/2024 's statement. 

Sear continues to call me ( since XXXX ) demanding a late fee payment ( {$29.00} ) and demanding early payment of the next business cycle. This has happened three times since XXXX to present. {$210.00} has been paid in fees over the last three billing cycles. {$29.00} in alleged late fees is disputed over the period. Complaint was made to the CFPB # XXXX. Sears has allegedly retaliated with a text dating XXXX telling me that my account .. '' is or may be restricted. '' Another complaint to the CFPB will ensue. I will continue to make complaints to the XXXX  and CFPB until Sears corrects their records and eliminates the incorrect alleged late fee/s moving forward. Sears is not to harass me by phone, text or mail about the alleged late fee/s any further and shall answer these XXXX  complaints as well as the CFPB complaints.
Product: Credit card

I sent mail CEO creditor company to adjustment or remove the only negative late payment account as per time I get this credit card was hard for me to understand how aggressively this creditor rush to report late payment on store card with XXXX $ credit limit. 
Since late payments happened I took steps this account kept balance already along 13months 0 . 
I had more than 10 credit accounts with XXXX XXXX limit and never was late. 
I greatly appreciate any action you can take to solve this issue and remove this negative account from my credit report. 
This account works online website and was hard for me to gain control after I had requested papers statement in my mail box I never was late this was accident. 
Thanks you
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

The landlord of the apartment I used to live in put cimicals in the bathroom to fix sinck it was very strong because of that sand us all to the hospital including XXXX XXXX old son .i soed him for that he asked me to live his apartment I did and he reported to core logic company he owned me XXXX $ now I cant look for rent because of that came up in my credit.
Product: Mortgage

I received a letter from  XXXX  Mortgage on  XXXX   XXXX ,  2017 , stating that my mortgage loan was being transferred to NationStar Mortgage effective  XXXX   XXXX ,  2017 . I then call ed NationStar to  ask questions on how to set up an account to pay my mortgage to them. The woman that I spoke to gave me a new account number for my mortgage account (  XXXX  ), I then proceeded to set up a payment account online.  <P/> On  XXXX   XXXX ,  2017 , I received a letter from NationStar Mortgage, stating that I owed {$1400.00}, which was due  XXXX   XXXX ,  2017  ; which was very upsetting to me. I then  called NationStar immediately questioning this amount and asked them to explain to me where they was getting this figure. ( I have the 15 minute call documented on my phone ). I was told that the  {$1400.00}, was for administrative fees ; I then asked her to explain and she could n't ; so I requested a copy of these fees to be sent to me ( that request was on  XXXX   XXXX ,  2017  ) I HAVE NOT RECEIVED THEM UP TODAY!!! The lady then told me not to worry the administrative fees would be deducted from my mortgage payments until paid in full.  <P/> I do not owe any administrative fees and I do n't know what they are or why I 'm being charged, I STILL HAVE N'T RECEIVED THE COPY OF THESE FEES THAT I REQUESTED ON  XXXX   XXXX .
Product: Mortgage

In XX/XX/2020, ( whatever the year XXXX started ), I got sick. Going through treatments and XXXX XXXX XXXX XXXX I realized XXXX wont be able to pay my bills. I contacted Flagstar Mortgage company and inquired about getting some assistance. They said something about not paying for 6 months. They kept calling saying Im behind this is the amount I have to pay. I depleted the remainder of my savings and paid it. I called them again saying I need help. They again said about not paying for 6 months. I told them no because they subsequently called and had me pay all that back money and I had no more savings. So could I get the monthly payment lowered to fit within my now monthly XXXX income. They said i couldnt because I was still within a forebearance and to ignore the calls from them because they are supposed to call since I do owe and to fill out an application under hardship. I did that. Maybe 3 times. Long story short. A letter from a lawyer was sent to the property ( my mother didnt get it to me timely ). Next thing I know my mom is like some man came here saying we got ta go. I call Flagstar mortgage company. They said its probably a scam because we would call you and let you know and put a notice on your door. I said okay and well I still havent heard from yall regarding the application I submitted ( now 2 time ), and they said submit it again and told me stuff I needed to submit.I did so that day. Every few days I would log in and see the message saying we are working on it. Then a man comes this past Saturday with a letter saying he will call the sheriff for an eviction. I called Flagstar on Tuesday and they said your house foreclosed and I said I just filled out another application and it said you will call if I
Product: Debt collection

Hello, I am writing this letter in regards to a bill that I received in the mail from Credence Resource Management in the amount of {$990.00} that was already paid by my insurance in XXXX and I do not owe this debt. Please do not contact me again and try to collect on debt that I do not owe. 

Call documented : XX/XX/XXXX at XXXX : XXXX Spoke with XXXX and provided insurance info. She disclosed that it may take 30-45 days to update the invoice and receive updated bill, and my insurance XXXX XXXX XXXX XXXX will cover the bill. 
Confirmed on XX/XX/XXXX with XXXX XXXX XXXX XXXX that this claim was resolved and paid in the amount of $ XXXXClaim # is XXXX Account # : XXXX Status of account : PAID IN XX/XX/XXXX Thank you, XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In regards to the company experian for reporting XXXX XXXX XXXX XXXX  The account in question is listed with an incomplete account number, This incomplete account number is inaccurate and constitutes a significant violation of my rights under the Fair Credit Reporting Act ( FCRA ). Full and accurate account numbers must be reported to ensure proper identification and association with my credit history. 
Additionally, the payment history section for this account shows multiple XXXX ( CO ) notations for XXXX, XXXX, XXXX, and XXXX. A XXXX should only be reported once, as it reflects a singular event. The reporting of multiple COs for different months is not only inaccurate but also results in the resetting of the statute of limitations for this account, extending the time it will remain on my credit report. This repeated reporting is a clear violation of the FCRA and is severely damaging my credit profile I have also sent this letter to the company as well
Product: Credit card or prepaid card

I called customer to discuss only changing my bill payment cycle date and doing a one-time online payment. Capital One took the liberty of putting both my accounts with them on auto-pay, so that they can deduct the monthly payments from my checking account each month themselves. I did not discuss or authorize both my accounts with Capital One to be put on auto-pay. This process cause my checking account to be over drawn by {$270.00} which included over draft fees charge by my bank XXXX XXXX Bank XXXX. My telephone call with Capital One was only a discussion of changing my billing cycle date, asking how to lower my interest rate with them and making a online payment. There was never a communications of giving them permission to access my checking account at anytime in the conversation.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX CARD Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX. 

Account Name : XXXX Account Number : XXXX Account Name : 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
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian for their mishandling of my credit report, which has resulted in inaccurate accounts, collections, and inquiries being reported. This has caused significant harm to my credit score and overall financial health.

Here is a summary of what has occurred : Inaccurate Accounts and Collections : Multiple unauthorized accounts have been reported on my credit file These accounts were not authorized or opened by me. Despite my efforts to dispute these entries with Experian, they remain on my credit report, reflecting negatively and unfairly on my credit history.

Inaccurate Inquiries : I have also discovered unauthorized credit inquiries on my report that I did not initiate. These inquiries further damaged my credit score, and Experian has failed to verify or remove them, even after I provided supporting evidence.

Impact of Experians Legal Violations : Experian is currently facing lawsuits related to their mishandling of consumer disputes and failure to ensure the accuracy of credit reports. These legal issues, which include improper verification processes and inadequate responses to disputes, directly mirror the challenges I have faced.

As a result of these inaccuracies and Experians failure to properly address them, my credit score has been significantly impacted. This has affected my ability to secure credit, rent housing, and maintain financial stability.

Violation of My Rights Under the FCRA : Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate reporting and timely responses to disputes. Experians negligence in this matter is a clear violation of federal law, as they failed to investigate and correct the inaccuracies despite receiving the necessary documentation from me.
Product: Credit card

On XX/XX/XXXX, I applied to a Capital One Venture XXXX  credit card from Capital One approval tool in their web page. I was instantly approved for the card, received a virtual card which I used to make two purchases at XXXX, then went to sleep. Next morning, I realized that the card was Restricted after logging in the mobile app. I called Capital One and they mentioned that they needed some documents from me, specifically ID and Bank statement. I submitted this documents the same day via a secure link to my email and waited for a couple of days for Capital One to process them. I received the physical cards from Capital One on XX/XX/XXXX, but since they are restricted, I haven't been able to use them or any of the perks included in the hefty annual fee ( {$390.00} ). 

Capital One called me back on XX/XX/XXXX and said that my ID was not accepted and that I should submit it again. I did that the same day and waited for the next call back. 

They called me back on XX/XX/XXXX, this time they said ID was ok, but that they did not accept statements from XXXX. XXXX XXXX XXXX XXXX XXXX is not a XXXX, but a fully accredited XXXX registered credit union, so this should be a valid bank statement under their specifications. Rep mentioned that I could submit an utility bill, and so I did, for XXXX XXXXXXXX XXXX XXXX proof of rent and paystub. Also, I proceed with paying the outstanding balance on the card ( annual fee + Costco purchases ), in fear that this could drag my credit history down as I suspect Capital One wants to close this card. 

I received my latest call from Capital One today, XX/XX/XXXX, and they have mentioned that they won't take either this utility bill or the previous credit union statement submitted. At this point I don't have any more documents to submit and I am done with this. I mentioned to the rep if he would cancel my card and refund my annual fee, and he said since the card has been paid, they can't refund this to me.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous complaints regarding the negative items that persist on my credit report.
Product: Debt collection

XXXX XXXX, I REC'VD A XXXX FROM PINNACLE CREDIT SERVICES OF XXXX, MN ... CALLED THE XXXX # ON THE FORM, WAS TRANSFERRED TO A XXXX WHERE I WAS TOLD IT WAS AN OLD DEBT FROM XXXX, LAST ACTIVITY WAS IN XXXX, XXXX XXXX XXXX WAS THE ORIGINATOR, WAS SOLD TO DIFFERENT CREDIT AGENCIES OVER THE YEARS AND THAT PINNACLE WANTED TO GET IT OFF THEIR BOOKS SO THE XXXX WAS ISSUED
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting requests for the addresses that do not belong to me on my credit reports to be removed from XXXX, XXXX and Experian. I have submitted dispute requests for this information to be removed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX. each time the credit bureaus did not send me any dispute results or remove the addresses that do not belong to me on my credit report. 

XXXX incorrect addresses are : XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX Experian incorrect addresses are : XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX incorrect addresses are : XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX