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 ( XXXX ). 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 ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for those violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act... The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c. 1681.. 
Account Name 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  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 an account without my written instructions.. 15 u.s.c.1681C. ( A ) ( 5 ) section : 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 antedate the report by more than seven years.. 
15 u.s.c. 1681 S-2 ( A ) ( 1 ) a person shall not furnish any information relating to a 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

I contacted credit reporting agencies beginning XX/XX/2021 via certified mail disputing this account ( as it is not mine ) then was told it was verified I requested a reinvestigation and information on how this account was verified on XX/XX/2021 to the credit reporting agencies via certified mail and was told it was verified by creditor once again. XX/XX/2021 I then wrote creditor AD Astra Recovery Service requesting that this debt be validated including application with my personal signature. I received letter from creditor stating that it has been determined that information is consistant with information provided by client. I then sent another Letter via certified mail XX/XX/2021 again disputing this information and requesting that application bearing my personal signature and once again received the same exact letter from 1st request. There was no proper investigation or reinvestigation from the Credit reporting agencies nor creditor to validate this account.
Product: Credit reporting or other personal consumer reports

My credit was marked as late in the month of XX/XX/year>, as I stated in the previous CFPB complaints when asked to speak with a supervisor no one is available. Each agent I spoke with regarding my credit reporting has told me it was accurate. XXXX XXXXXXXX doesn't not allow you to make a payment without paying fee which is UDAP volitation, none of my notices signed at closing or my promissory note state I must pay my late fee to make a payment. I spoke with my lender who confirmed also its not required. It's an Unfair, Deceptive, and Abusive use of power to get customers to pay fee or not a payment. I recently attempted to speak with a supervisor when they returned my call after receiving regarding this matter, he advised me that I was on certified funds block due to NSFs. I asked for proof because I've never had a return check with XXXX XXXX regarding my payments.
Product: Mortgage

We finally received a modification after almost 5 years from Capital One Bank. After 2 months of paying the amount agreed in our signed modification I started to receive phone calls and letters from Capital One saying that I 'm in default. I thought for sure that it was a mistake and just kept paying the amount agreed upon. We Just gave them our life savings of {$100000.00}. I called my lawyer to find out what was going on. Capital One 's Lawyer had no idea so it took weeks for him to get back to my lawyer when he did he stated that Capital One made a mistake when they set up the modification Agreement by not taking into account an escrow shortage of {$10000.00}. They then proposed 2 options : Lump sum of {$10000.00} or 12 monthly payments of {$830.00}. We do n't have any more money. We agreed to this modification because we felt we would be able to afford the monthly payments. The reason we kept getting denied for the modification for the last 5 years was because of ratio of debt to income will if they add this {$830.00} to our monthly mortgage it is almost the same as my original mortgage. The amount in which for 8 or 9 times in court we were told we could n't afford. So now because they made a mistake we can all of a sudden afford it. They should have put some of the {$100000.00} towards the shortage. They made a mistake. We never would have agreed to this modification if the monthly payments were any more money than what we agreed upon.
Product: Debt collection

Municipal Collection Services Inc. is trying to collect for a debt that is paid. They claim i owe for these 2 tickets for XXXX each which total XXXX dollars. 25 percent of my salary was garnished for 3 pay period that paid the debt. I sent these people proof and they still are trying to illegal collect this debt. 
this is down right fraud
Product: Credit card

XXXX XXXX, This is XXXX XXXX XXXX XXXX and I am a XXXX  and I suffer with XXXX and XXXX, Toxic Exposure Risk Activity and I got very ill with covid and My family to advantage of my situations and my illness. I did not make any purchase and on this card a nd I would kindly ask for removal from credit report, This causing financial detriment and harm to My family and Myself, I very sorry about getting sick serving this country and Not able care for myself. 

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

A fraudulent account/loan was opened in my name by a fraudster with the company called " XXXX ''. The loan is now being reported 30 days late. I contacted the company XXXX, and they said they would email me documents to support the fraud claim, but they never sent the email. When I asked where the proceeds to the loan were sent, they said XXXX XXXX, which I never have heard of. This is a fraudulent account, and it needs to be removed from my credit report now.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Ohio, XXXX ( XXXX ) XXXX XX/XX/2023 Dear Equifax, I, XXXX XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amounts ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXXXXXX XXXX  Amount : {$460.00} Account : XXXX XXXX Owed : XXXX XXXX XXXX Amount : {$1000.00} Account : XXXX XXXX Owed : I XXXX XXXX XXXXXXXX Amount : {$180.00} Account : XXXX Party Owed : XXXX XXXX XXXX XXXX Amount : {$520.00} Account : XXXX I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THIS ACCOUNT. IT IS FRAUDULENT AND I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY. 

This is my official request to have the aforementioned item to be deleted off my credit report. 
Enclosed may be additional evidence to support my claim.
Product: Payday loan, title loan, personal loan, or advance loan

I was not aware that this company charged more than the legally allowed interest rates for the state of XXXX. Additionally, I see there have been several class actions against this company.
Product: Checking or savings account

Dave Banking through XXXX Bank XXXX XXXX XXXX accessed my account information and made multiple charges in XXXX, SC and online. Once I noticed this happened, I contacted my bank, XXXX through XXXX Bank and XXXX and reported these fraudulent charges. I formally disputed these charges. They cancelled both my physical card and virtual card. I even froze my new cards through their app. Money kept being stolen. Per their Fraud department a provisional credit would be issued in XXXX business days. Instead of this, they closed my account and havent settled these disputes. I now will have to wait up to XXXX days for the judgement by them. Why would they judge in my favor if I dont have an account. I have no way of reaching them directly because I'm no longer an account holder. 

The fraudulent charges were made on XX/XX/23 : 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 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 I called my bank on XX/XX/23 at XXXX am to report these fraud charges and request new chards. They closed my account on XXXX and have provided no updated information in regards to these disputes.
Product: Mortgage

Dear Consumer Financial Protection Bureau. I currently have a foreclosure sale date scheduled for XXXX XXXX, XXXX this is a very urgent matter. I have a complaint about my current loan servicer which is Rushmore Loan Management Services, LLC. Let me begin by explaining my situation from the past to the current. My loan originated with XXXX XXXX. I was paying XXXX XXXX around {$1600.00} towards my monthly mortgage up until the collapse of our economy. From there they sold my loan to XXXX XXXX. I was behind and applied for a loan modification they gave me the loan modification and I paid them the three trial period payments. After I paid XXXX advised me to keep paying them. I continued to pay XXXX for at least 18 months but around that time I received a letter saying that my home was under foreclosure. This was a huge shock to me as I have paid and was still paying XXXX for what I believe to be was a loan modification. My loan once again was sold to another servicer this time my current one Rushmore Loan Management Services, LLC. 
I have applied with Rushmore Loan Management for a loan modification and sent them all required documents to be a completed packet for a loan modification. Rushmore loan management has all required documents and packet is in review. 
.Im worried that this company will either take my money and they sell my loan to another servicer or just foreclose on my home even after having all required documents for a loan modification. If Rushmore Loan Management Services, LLC foreclosures they will be in violation of the California Homeowner Bill of Rights Act.
Product: Debt collection

XX/XX/2022 Jefferson Capital Systems , LLC I want monetary relief. Jefferson Capital Systems has violated the Fair Debt Collection Practices Act. A mailed document from Jefferson Capital Systems , LLC, a affidavit from me and a invoice for payment of the violations committed are attached to this compliant. 15 U.S. Code 1692k - Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; ( PER VIOLATION )
Product: Credit reporting or other personal consumer reports

I reviewed my consumer credit reports and noticed that I had two late payments on an account with XXXX XXXX XXXX XXXX in which I was never late for. Consumer reporting agencies have assumed an integral role and have a responsibility to report accurate consumer information. I have never been late with any payments with XXXX XXXX before. Please investigate and provide proof that I was late. In the event that this information can not be obtain, please remove the late payments with each credit bureau : XXXX, XXXX, and XXXX. 

Not only have XXXX XXXX reported inaccurate late payments, they have reported conflicting information with XXXX and Experian. For example, XXXX XXXX reported the XXXX payments 30 days late in XX/XX/year> and XX/XX/year>. However, with XXXX, they reported the XXXX late payments being 60 days late in XX/XX/year> and XX/XX/year>. 

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). My consumer rights are clearly being ignored and disregarded, as my credit reports show transparent inaccuracies.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I recently sent a request to have fraudulent items removed that are reporting only on TransUnion. Transunions response is that I did not send in my request, which I am sending again. I XXXX XXXX did and am sending in this request to have the fraudulent items removed and blocked that
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX} With Toyota Financial. I have asked for an extension.They reported late. Two weeks later they keep sending me letters that it was their fault. I wan na see if I can get those late payments removed
Product: Credit card

A fraudulent credit card account with XXXX XXXX ending in XXXX I have tried several times to dispute this with the credit bureau and the issue with no resolve they have refused to remove the identity theft item from my account I have provided police reports and everything required by federal law to have them blocked/removed from my report. they are in violation of the Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

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. 16815-2 ( 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: Debt collection

Synchrony Bank of XXXX, Ohio continues to harass me by repeatedly making phone calls asking for payments while I have been struggling to relieve myself and trying to make the payments ASAP.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I had a serious car accident that left me injured. The insurance was responsible for paying for the vehicle, but there were delays that caused a 30-day delay in payment with XXXX XXXX XXXX Since then, I have maintained an impeccable credit history and request to remove that mark.
Product: Credit reporting or other personal consumer reports

Im curious to see how the situation unfolds regarding my credit report, as the information listed doesnt seem to belong to me. Im also looking forward to finding out why I cant recall visiting the hospital.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX and TransUnion credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$6400.00} XXXX XXXXXXXX Balance : {$4300.00} XXXX XXXXXXXX Balance : {$6100.00} XXXX XXXX Balance : {$6100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of after several of accounts were removed form my account then replaced. This is a updated report that was recently pull and none of my reports from the bureaus are reflecting. Please correct information. Once information is removed, you can not go back and put it on my report again which you did. I am being taken advantage of, many practices are been broke by your company. You have hurt my ability to obtain credit and I cant get a sba loan for my current business. Please XXXX HELP ME IN THE TRYING TIME. I CURRENTLY HAVE XXXX AND HAVE BEEN IMPACTED BUT STILL I PAY MY BILLS ON TIME. I WANT ALL NEGITIVE ITEAMS REMOVED FROM MY CREDIT REPORT AFTER SEVAL OF LAWS HAVE BEEN BROKEN BY YOUR COMPANY UNDER THE FCRACT.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Credit reporting agency are reporting inaccurate accounts on my file even though they have actual knowledge of the errors on these accounts they are now deliberately violating my consumer rights. 

15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : also States a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1692C also this law clearly states that without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer,
Product: Debt collection

There is a debt collection company by the name of SECURITY CREDIT SERVICES reporting an alleged debt on my consumer reports. I, XXXX XXXX am unfamiliar with this debt. I was not given enough information regarding this debt, and I was not given the opportunity to dispute this alleged debt. The debt collection company is ruining my reputation per 15 USC 1692d ( 1 ) parking this alleged debt on my consumer report with all three consumer reporting agencies. This company is also giving off implications that they may be an attorney. A violation of 15 USC 1692e3. This company is also not licensed to collect in the state of Tennessee. A violation of Tennessee Code 62-20-105. This is abusive deceptive behavior.
Product: Checking or savings account

Since Thursday XX/XX/25 capital one stated that the outage will be done by Friday morning. It is now XXXX XXXX XXXX still no direct deposit you're not able to get staff on the phone.
Product: Mortgage

Here is basically what I have sent to the Attorneys for XXXX XXXX XXXX and Caliber : I would like to propose a settlement solution for both XXXX XXXX XXXX and Caliber. I sent a timeline and XXXX exhibits ( I have uploaded ) to show you what occurred for these two and a half years when my husband and I were trying to modify our loan. My attorneys did not use this information ( which I was very angry about when I found out ) in the case, and, I believe proves the dual tracking and violates the Homeowners Rights law. If you had a chance to look at the timeline along with the letters and documents ( uploaded ), I think you will agree that there was total confusion when XXXX XXXX XXXX sold the service rights to Caliber during our modification process. All along I believed we were going to get that modification because our income was XXXX higher than when we first got the loan in XX/XX/XXXX, and we had excellent credit. It was just a matter of persistence. 

You can see by my timeline that Caliber was trying to foreclose before they were officially recorded with the XXXX County clerks office on XXXX XXXX, XXXX ( see timeline and exhibit ). However, we were told that Caliber was the servicer as of XXXX XXXX, XXXX ( see timeline and exhibit ). After I was told that we had to start the application process all over again with Caliber, I immediately turned in a XXXX page application with documents and another XXXX documents sent on XXXX XXXX, XXXX ( see timeline and exhibit ). When I tried to speak with someone at Caliber about the application I was told that there was little information at the moment because they were in the process of XXXX XXXX XXXX turning over all the loan information to Caliber and to call back later. It was total confusion! This was only one month after the service rights were transferred ( but was not recorded until XXXX XXXX, XXXX ). We had no time before the sale date to even appeal. We were denied on XXXX/XXXX/XXXX ( see timeline and exhibit ) three days before the trustee sale. It should have been 30 days later according to the law. 

I am XXXX years old and in the process of my divorce. My husband walked away leaving this foreclosure issue all to me and washed his hands of it. We are going to trial on XXXX XXXX, XXXX and will be divorced. The reason I filed for bankruptcy is to stop the foreclosure process and I legitimately want to restructure my debt and pay back my creditors. I have received a short sale offer with an approval that I would like to see close, but the foreclosure is on XXXX XXXX, XXXX and we need to know its stopped. I also have a back-up offer as well. Please stop this sale we can close this sale. 

Please read the uploads regarding the timelines and exhibits regarding the Lenders violations. 

Sincerely, XXXX XXXX XXXX