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

I am filing a complaint against Cashapp ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Cinsumer Financial Protection Act ( CFPA ). Specifically, Cashapp 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

CAINE & WEINER at address ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) has been sending me collection notices in the amount of ( {$300.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. 

I would like the bureau to delete this account off my credit report and do not try to put it back on my credit report. 

In accordance with the Fair Credit Reporting Act, XXXX  Account ( that goes by ) : CAINE & WEINER, and CAINE & WEINER COMPANY, and CAINE & WEINER COMPANY , INC. 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

American express wont change status of account to paid in full after and agreement was successful completed and i paid in full debt. 

Debt currently has XXXX when my debt should be XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a new collection to my credit that I never received information on. This is in violation of my 30 day right to dispute as I never got any notice and only saw the collection once I had my credit pulled.
Product: Checking or savings account

I was charged overdraft fees repeatedly in excess of {$35.00} per transaction from my checking account.
Product: Mortgage

In XXXX of 2021, I received notice that my escrow account was short $ XXXX. I was offered the option of paying it all at once or in payments. I paid it all at once and figured that was the end of it. The representative made no reference to an increase of funds being necessary. It turns out that my homeowners insurance policy has increased by {$63.00} a month. I was not aware of it and continued making my normal payment. 
Within the next 30 days or so, I received notice that somehow, I now was in arrears a full two payments, which was not correct. I contacted Freedom Mortgage and spoke with a representative who advised me that I was in arrears for the increase. They took a payment for the increased amount, and I figured we were square. Unfortunately, I was then contacted again and told I missed another increased payment. I had already made the automatic payment with my bank, but it apparently did not get increased. I then made a payment for two months increase without speaking to anyone further. I never argued with them and they never indicated that the payments were considered late. I PAID THEM IMMEDIATELY UPON RECEIVING NOTICE!! 
Without any notice or contact, Freedom Mortgage then reported to all 3 credit bureau 's of an alleged late payment. I never missed a payment and paid every increase I was made aware of. I was never out of contact with Freedom Mortgage and was never threatened with credit coercion, as they have now committed. 
Prior to this endeavor, my credit score has been XXXX, for years. I use my credit quite often, which is how I make a living. I have never missed a payment or been late for anything. I contacted Freedom Mortgage and they have advised me to " pound sand ''. I have spoken with representatives and supervisors, who all say because the impound increase did not get paid in a timely manner ( although they never advised me as such ), they would NOT remove the " late payment '' report - even though they were made aware that it took my credit from " excellent '' to " poor '' overnight. They have made it clear they are prepared to cause me financial hardship for the next 7 years. 
If I were indeed the type of person to miss payments and had a history of such, I could understand Freedom Mortgage 's insistence in trashing my credit. Instead they are exhibiting cold and callous behavior to one of their customers. At the very most, this was miscommunication between their representatives and myself. Absolutely no reason for them to crucify a customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4500.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this  information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account.
Product: Credit card or prepaid card

Community Bank calls me on Sundays and after XXXX on a daily basis and as early as XXXX est. The calls are annoying and beginning to be involved in harassment. They call at least 10 times a day. This is call harassment and I would like it to stop immediately.
Product: Mortgage

My husband got sick with XXXX was layoff. We try doing a home modification and Wells Fargo never try helping us after paying the house for 20 years. We contacted a lawyer but the bank never try to help us stay with our house.
Product: Credit card or prepaid card

So I went to my local XXXX  retail store to buy 4 gift cards all costing {$100.00} each and then after purchased them ( with cash ) I went back to my car and I try to redeem them and got the following message " we need more info to redeem your gift card. '' send us detail '' so I click thr hyper link which took me to a Google page to Help center to explain my case about the gift card not letting me redeem them. I had to submit evidence like receipt, and gift cards info, which I fully did but 2 day later they sent me back a auto type robot denied for appeal letter. So now I have google specialist trying to escalate it but I can clearing see where this is going. Please help!
Product: Credit card or prepaid card

Goldman Sachs ( Apple Card ) Limit : {$2500.00} XXXX suffered several lost during the COVID Pandemic to include being furloughed from my job at XXXX XXXX. I submitted calls and letters to the company in regards to my monthly payments. They enrolled me in programs that suspended monthly payments for several months. The forbearances didn't cover all the months I was without pay from work as we were furloughed without pay and unemployment benefits. I could afford to XXXX every payment every month so I missed a couple here and there. Currently, I am XXXX XXXX XXXX on short term XXXX and have been since XX/XX/XXXX. I have asked for assistance in repayment options in order to not have negative effects on my credit but they have refused and consistently reported late payments. 


Months Reported Late : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Months Reported Late with XXXX Dollar Balance Due : XX/XX/XXXX and XX/XX/XXXX
Product: Debt collection

This is is reference to account # XXXX {$2900.00} this account is reporting on my credit and does not belong to me. I am requesting a removal of this account from my credit report.
Product: Student loan

I have several PLUS loans. I requested that all the loans be under the same type of repayment plan. In other words, a request to change some of the loans from the standard repayment plan to the extended payment plan. This request was made on XX/XX/2023, and has not been processed yet. It is now XX/XX/2023. At the same time, they put my loans in forebearance although I didnt request it. I have made the payments to all of the loans, since repayment started in XXXX. 

Also, I it looks like they are overcharging interest on XXXX of my loans. They are as follows : principal, {$15000.00}, interest accrued {$4300.00} ; principal {$16000.00}, interest accrued {$4600.00} ; principal {$12000.00}, interest accrued {$3500.00}. 

Please help me to get all my PLUS loans under the same repayment plan, Extended Repayment Plan. Also, please help me to get Mohela to correct the interest accrued on the loans identified. 

Thank you.
Product: Money transfer, virtual currency, or money service

I received a phone call from a suspected wells fargo customer service employee saying that someone was trying to access my credit card information. He then proceeded to tell me we need to perform a test in order to make sure money was not taken. He then had me make an account to wire money. He provided me with the account number and routing number to make my profile active. He had me wire {$4500.00} from my credit card to my savings account. He then mentioned that the money that was wired would be put back in my credit card as a deposit that next day and it did not. From my savings account it went into a XXXX XXXX XXXX account which I do not have an account with. That {$4500.00} went into his account.
Product: Debt collection

I ordered merchandise on sale. I was charged full price and tried to get this corrected by phone to an amount 50 % less, as ordered. I had no luck with this correction, so I returned items. After 3 months of trying to resolve this with the company, they still want to charge me {$100.00} for items I returned due to their error and lack of resolution.. They want me to pay for their mistake for {$100.00}. It includes a late fee, a return fee and interest. All that for items that I returned immediately.
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. I included a date on the last letter I submitted to the 3 credit bureaus ( XXXX XXXX ), but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Balance : {$0.00} CXXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$600.00} XXXX  ( Original Creditor : XXXX XXXX  ) XXXX {$1600.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I began social security and the loan company OSLA decided I could get a XXXX XXXX XXXX  discharge based on the time my condition is set to last. I really need my credit score to go up and reflect this information please feel free to contact OSLA.gov/Nelnet/SSA to confirm this information all these apartments do credit checks and im XXXX so I need my score raised I have paid back many loans and cleared many bank accounts so please help
Product: Debt collection

I specifically told my auto loan company ( XXXX XXXX Toyota Finance ) I would not give them the name of my workplace or the number. The following day they contacted me at work.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The furnisher is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof. 

XXXX XXXX XXXX
Product: Mortgage

I applied with jg wentworth for a mortgage. I did the loan application and sent in all of my information including my eligibility certification from va. I also had to pay {$450.00} for a va inspection on the house. I received an email saying that i was approved for the loan for the house. A week before closing the loan officer ask for additional information i sent to them. After i sent this information i didn't here from them any more until i called the area manager and explain to him that i was four days away from closing no one heard anything else from them. He managed to get in contact with the supervisor. On monday XX/XX/XXXX i was still waiting to here from them. I finally heard from them and about XXXX i was told that they could not use one of my income. They knew all of my income information in XXXX when i did the loan application and for them to wait until 18 hours before i closed on my house and denie the loan was unprofessional and not right. I had to go and cancel a refrigerator and also look for somewhere else to live because i had giving up my rental home to move to this location. The loan officer was very unprofessional with my realtor and the builder realtor.
Product: Checking or savings account

On XX/XX/2020, I did receive an e-mail from TD Bank ( XXXX XXXX  ) saying my checking account was in a lower balance on it. By XXXXXXXX XXXX. I did make a transfer from my savings account to fix that, nevertheless, on XX/XX/XXXX they charged my checking account with a {$35.00} fee because of an overdraft. 
I do have a linked account, a direct deposit and if it's wasn't enough, some lawmakers did suggest institutions like banks do not charge any fee during these difficult times of pandemic. Please, take note that the time between the transaction wasn't more than 20 minutes.
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 XXXX 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 a Mobile cell phone account with XXXX XXXX opened on XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal request to remove unauthorized Inquiries from my credit report. I've listed the unauthorized inquiries 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 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 

In accordance with the Fair Credit Reporting Act. I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate. I ask that you immediately delete the unauthorized Inquiries outline above. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above-listed address. 

If your investigation determines the inquiry was authorized. I respectfully request you forward to me a description of the procedure used to determine this within XXXX days of the completion of your re-investigation.
Product: Debt collection

Syndicated Office Systems is attempting to collect a medical debt ( {$320.00} - XXXX 2014 ) that is not mine and have failed to provide any legitimate documentation on the false debt. Not only is Syndicated Office Systems fraudulently attempting to collect an erroneous debt, but they have falsely reported this to all 3 credit agencies causing a significant decrease in my overall credit score. This predatory collection agency has violated the Fair Debt Collection Practices Act on all levels and I would like this resolved ASAP.
Product: Debt or credit management

I enrolled approximate 5 years ago for credit repair. Nothing was changed. No improvement
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of XXXX XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Hello, I have a school loan with XXXXXXXX XXXX, have contacted the school loan XXXX several times, they are shut down, and have sent my school loan to a debt collector, but I have made an agreement with the department of education on my school loan. XXXX XXXX will not remove this from my credit report, and I do not owe them.
Product: Debt collection

I 'm showing on my credit report that I owe a balance to XXXX XXXX XXXX XXXX, but I never had phone service with this company. I do n't recall them notifying me about this situation. There is also no evidence to prove that I had service with this company. No billing statements or anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed errors on y credit file and the results came back as verified with XXXX  the following address XXXX XXXX XXXX XXXX. XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX  XXXX XXXX. XXXX, Ga XXXX and the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX {$2500.00} Transunion XXXX XXXX XXXX XXXX {$2500.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX, XXXX XXXX account # 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 written instructions
Product: Debt collection

In XX/XX/2018, I paid the following debt on on my XXXX XXXX XXXX credit account and have not received a paid in full letter. I have requested this information through the company several times and they have been unable to provide me with this information. I recently called requesting to speak with someone American. I also requested to speak with a supervisor. Both of my requests were ignored. I can not help but think this company has taken my money and not reported that I paid this debt off to all 3 credit agencies. 

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

EQUIFAX INFORMATION SERVICES, LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX ACCT # XXXXXXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX. Fl. XXXX DEAR SIR/MA'AM, I XXXX XXXXConsumer to XXXX am writing to XXXX several incorrect/inaccurate, incomplete items listed in the above-referenced XXXX ACCT. XXXX, EQUIFAX, AND XXXX are each reporting completely different information in several sections within my Consumer Reports. XXXX, EQUIFAX, AND XXXX EACH FAILED TO MARK THIS ACCOUNT AS DISPUTED PREVIOUSLY AND DELETE IT IMMEDIATELY. If each agency is reporting accurate, complete, correct information how is that? PAYMENT HISTORY IS COMPLETELY INCORRECT, INACCURATE, AND INCOMPLETE. XXXX SHOWS NO HISTORY AT ALL, XXXX SHOWS YEARS OF CHARGE-OFF STATUS, AND EQUIFAX SHOWS YEARS OF ALL ON-TIME PAYMENTS. DATES LAST ACTIVE LAY DORMANT AS IF THE ACCOUNT IS JUST PARKED HERE TO CAUSE A NEGATIVE ALGORITHM FEEDBACK. EACH AGENCY HAS A COMPLETELY DIFFERENT DATE HERE AS WELL. ONE OF THE BIGGEST VIOLATIONS OF THEM ALL FROM XXXX, EQUIFAX, AND XXXX COMMENT SECTIONS DOES NOT SHOW WHERE I PREVIOUSLY DISPUTED THIS ACCOUNT SEVERAL TIMES. THE LAST DATE REPORTED IS COMPLETELY DIFFERENT ON XXXX, EQUIFAX, AND XXXX. HOW CAN THIS BE IF EACH AGENCY IS REPORTING ACCURATE, COMPLETE, CORRECT INFORMATION? PAYMENT STATUS IS A CHARGE OFF AS INCOME IS NOT ALLOWED TO BE REPORTED ON ANY CONSUMER REPORT YET EACH AGENCY STILL REPORTS THIS ACCOUNT. THE PAST DUE AMOUNTS ARE INCORRECT, INACCURATE, AND INCOMPLETE OF XXXX, EQUIFAX, AND XXXX. THE HIGH CREDIT SECTION IS INCORRECT, INCOMPLETE, AND INACCURATE ON XXXX, EQUIFAX, AND XXXX. THE BALANCE SECTIONS ON XXXX, EQUIFAX, AND XXXX ARE ALL DIFFERENT, INACCURATE, INCOMPLETE, AND INCORRECT. THE ACCOUNT NUMBER FOR THIS ACCOUNT IS DIFFERENT ON EACH AGENCY 'S REPORT AS WELL.XXXX, EQUIFAX, AND XXXX HAVE TOTALLY AND COMPLETELY NEGLECTED THIS ACCOUNT IN EVERY WAY POSSIBLE. DUE TO SO MANY INACCURACIES AND MORE IMPORTANTLY XXXX, EQUIFAX, AND XXXX ALL FAILED TO MARK THIS ACCOUNT AS BEING DISPUTED PREVIOUSLY. PLEASE PERMANENTLY DELETE/REMOVE THIS ACCOUNT FROM MY CONSUMER REPORTS IMMEDIATELY. 

IF YOUR AGENCY FAILS TO COMPLY WITH THE BEST METHOD TO RESOLVE THIS ISSUE BY DELETING THE ENTIRE ACCOUNT IMMEDIATELY. FOR SEVERAL FCRA VIOLATIONS PLEASE SEND IMMEDIATE CORRESPONDENCE AS I WILL MOVE ON TO FURTHER ACTIONS. CURRENTLY, YOU ARE IN VIOLATION OF THE FCRA AS PER USUAL CEASE ALL CONSUMER REPORTING IMMEDIATELY. 

COMPLAINTS SENT TO EACH COMPANY ARE LISTED BELOW Federal Trade Commission ( FTC ) Consumer Financial Protection Bureau ( CFPB ) State Attorney Generals Office