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 custom services and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cashapp has 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 cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX 3. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
4. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
6. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. FDCPA Section 807 Violation Misleading False Reporting U S DEPT OF EDXXXX  Account Number : XXXX Please remove it from my credit report. 
8. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
11. The following account was a Bankruptcy/Charge-off. Balance should be {$0.00} XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
12. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. Sincerely, XXXX XXXX
Product: Bank account or service

Hidden charges just discovered was charged over two years XXXX service fee no charges grandfathered in when I open the accounts combined circle gold checking and savings charged for over draft fee to move funds from XXXX account to the next account this is another hidden charge I did not agree to the overdraft does not apply whe the account was opened in 2010 in XXXX NJ the account provision was without any of these charges for the life of the accounts as long as they remained open additionally charged for nsf funds when the bank process reported unauthorized charges I attempted to report fraud and unauthorized charges of {$110.00} which caused sever other checks nsf for which I was charged .. when the accounts were opened features such as free credit report access were placed on the account as a life of account free service recently I see this service was removed with out my knowing or requesting this
Product: Credit reporting or other personal consumer reports

XXXX of XXXX ( no subject ) XXXX XXXX XXXX XXXX XXXX ( 0 minutes ago ) I am writing to formally file a complaint against Experian for their continued reporting of inaccurate information on my credit report. Despite the successful removal of these items by two other major credit reporting agencies, Experian insists that the information has been verified, which I believe is not possible under the circumstances. 

Legal Basis : Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes information on their report. Furthermore, 15 U.S.C. 1681e ( b ) mandates that these agencies establish reasonable procedures to ensure the maximum possible accuracy of the information they report. The fact that two other credit reporting agencies have removed these itemsindicating they could not verify themraises serious concerns regarding Experians compliance with these legal requirements. 

Additionally, the Federal Trade Commission ( FTC ) has established guidelines that require credit reporting agencies to remove unverifiable information from consumer reports. Experians continued reporting of these items, despite their removal by other agencies, suggests a violation of these guidelines and the FCRA.

I am also disputing late payment entries on one of my accounts that I believe to be inaccurate. Under 15 U.S.C. 1681s-2 ( a ), furnishers of information to credit reporting agencies are required to provide accurate information and correct or delete any inaccuracies. In line with the Fair Credit Billing Act ( FCBA ), specifically 15 U.S.C. 1666c, creditors are prohibited from reporting late payments related to any disputed amounts until the dispute is resolved. Given that the other two credit reporting agencies have corrected this error, it is concerning that Experian has not done the same.

Request for Action : I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and ensure that Experian complies with the FCRA by removing the unverifiable and inaccurate items from my credit report. The continued presence of these errors is causing significant harm to my creditworthiness, and I seek your assistance in resolving this issue promptly. 

I have already submitted the necessary documents, including the FTC report, police report, and all required proof of identity information via mail. Despite this, the issue has persisted for over six months without resolution. I understand that under the FTC guidelines, these items should be removed within three days ( 3 ), and I am requesting that this timeline be enforced.
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. 

List of Unauthorized Inquiries : 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 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

They stated my accounts were verified how is this possible, if I have circled many inconsistencies and inaccuracies on my report from different account numbers, listed dates, balances term, months, and less reported dates that you can see. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and is grounds for immediate removal! I have attached pictures of my updated monthly report according to the law everything has to be 100 % accurate, it is not. 

Account name XXXX XXXX Account number XXXX Account name - XXXX XXXX bank Account number XXXX Account name - XXXX XXXX XXXX XXXX Account XXXX XXXX Account name - XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX numbers- 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. Also states a consumer reporting agency can not furnish without my written instructions.

15 U.S.C 1681 section ( 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 for more than seven years.

15 U.S.C Code 1681 to ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

15 U.S.C 1681s- 2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

I took a loan from Integra Credit in XXXX. They charged me a 275 % interest. I was charged an interest charge on cash advances fee, a customary fee, and a fee charge on cash advances. I was not aware of all of these charges when I took out the loan. With all of these high percentage fees, it makes it impossible to pay the loan off. I am not going to loss my house over this loan. I have now stopped paying them. I cant afford to give my money away to greedy companies like Integra credit. They continue to harass me daily with phone calls and emails. They call my family members for no reason at all but to let them know that I owe Integra money. This company needs to be shut down.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I hope your day is going well, but I need your help. I noticed inaccurates with my credit report. its really hurting my well being and ability to move forward in life, after some research i came across this informattion from CFPB. Compliance procedures [ 15 U.S.C. 1681e ] ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximumpossible accuracy of the information concerning the individual about whom the report relates. 

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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX 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 my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

I was sent a letter saying I owe a debt from XX/XX/2018 that I knew nothing about. I asked for verification of the debt. I asked to provide me with copy of the application. Any identifier such as driver 's license or anything. All I received was a single of paper with the 360 % interest rate a phone number that not mine from a place in XXXX, Tennessee. I file a FTC report and send them a copy. I filed a police report that they received a copy of. They are demanding a copy my driver 's license but I'm hesitant to give that out.They already have more information than I am comfortable with. They just served me papers after I felt I was being cooperative. I will send them a truncated copy of my drivers license. I receive no benefits from this company no money, no renumeration, whatsoever I do not owe this debt.
Product: Credit reporting or other personal consumer reports

Good afternoon, This is my third and final demand regarding the inaccurate and erroneous information you continue to report on my credit file despite multiple disputes. It has become apparent that the Credit Bureaus is deliberately ignoring its legal obligations under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ). 

The following accounts remain inaccurately reported : XXXX. **Account with XXXX XXXX XXXX XXXX : Recently I checked my credit report and noticed late payments from your company. This account is inaccurately reporting payment history. Please update to paid as agreed/ never late. 

XXXX. **Account with XXXX XXXX XXXX XXXXXXXX : Recently I checked my credit report and noticed late payments from your company. This account is inaccurately reporting payment history. Please update to paid as agreed/ never late. 

XXXX. **Account with XXXX  XXXX XXXX XXXX checked my credit report and noticed late payments from your company. This account is inaccurately reporting payment history. Please update to paid as agreed/ never late. 

Your repeated stall tactics and failure to conduct a thorough and reasonable investigation into these disputes demonstrate willful non-compliance with federal law. This lack of action is unacceptable and has caused me substantial financial and emotional harm. 

Respectfully, XXXX XXXX XXXX XXXX XXXX Veteran
Product: Student loan

I called on XX/XX/XXXXto schedule a payment. One on XX/XX/XXXX for {$100.00} on the smaller student loan and another one post dated for FridayXX/XX/XXXXfor {$300.00} on the bigger loan when I get my direct deposit. However looking at my account the post dated payment was processed onXX/XX/XXXX and not on XX/XX/XXXX. This caused my XXXX credit card payment to return as non sufficient funds along with my XXXX payment I had scheduled online. I had enough to cover those payments at the time. This caused NSF fees on my bank account and late payments that were already schedule. If the post dated payment wouldve been processed on XX/XX/XXXX none of this wouldve happened. This isnt the first time I come across with issues from this company. Not too long ago my payment was misapplied, I called complaint and it was fixed, but now with their incompetence Im getting fees on my account, my other creditors payments returned, and affecting my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is inaccurate. This is grounds for removal they also violated my rights under. 

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. 
Also the credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX XXXX XXXX
Product: Mortgage

The mortgage company that purchased my loan from the bank from whom I originally obtained the loan has notified me that they are raising my payment by {$220.00} per month. They have stated that this is because either my taxes or insurance have increased. My insurance has gone up by {$4.00} total for the year. I have forwarded my tax bill for {$990.00} to them and repeatedly asked them to explain how {$220.00} times 12 months is the equivalent of this increase. No one can answer my question. No one will return my phone calls. No one will agree to look into this matter. I believe that there is a possibility that they are attempting to charge me taxes for the entire property, however the house was split in two halves when it was sold and I only purchased one half of the home. My mortgage is a fixed rate and while I realize that there is the possibility of yearly increases, as well as decreases, per changes in taxes/insurance the idea of an increase of this size makes no sense. I have tried to explain that I am unable to cover that much of an increase and NEED them to look into it to no avail. The most they would do was spread the extra payments over 24 months instead of 12 but that is still an exorbitant amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out in XXXX that I was mistakingly listed on someone else 's auto and home insurance policies through XXXX ( my insurance company too ). XXXX took me off of the policy and said they fixed the issue so my Lexis Nexis report wouldn't be falsely reporting multiple at fault accidents, home owners claims and other auto related claims. I worked with Lexis Nexis case # XXXX in XXXX and was under the impression everything was fixed. Until XX/XX/XXXX when I was shopping around for insurance and no one will insurance me because they are still reporting multiple at fault accidents, multiple glass claims, multiple towing in my name which is not accurate. This is preventing me from getting insurance elsewhere and if I do find a company the rate will be extremely high.
Product: Mortgage

In XXXX HELOC loan was acquired at National city bank. PNC bank took over National city bank and took over HELOC loan. Loan was paid off in XXXX and was requested to be closed. As the account was closed in XXXX PNC failed to provide a satisfaction letter to XXXX XXXX Wisconsin in the required 30 days. 
PNC was contacted on XXXX requesting the satisfaction letter be sent out as it was past due. After many phone calls and e mails that show entire details the satisfaction letter was reordered on XX/XX/XXXX. 
PNC is in the process of drafting a letter with a complete review of the failure to complete the task that was required to be completed within 30 days. Was advised today that it will take 30 days to receive the letter.
Product: Mortgage

1. XXXX XXXX, XXXX. Medical emergency in family. XXXX would be needed. After 33 days of experiencing the medical care available plus the rehabilitation center in our " small '' town I realize that the medical care needed was not available in our small town. I contact my family in a " big '' city with good medical care to see if they would be willing to help. My family was willing. 
2. XXXX XXXX I obtain housing the new big city. 
3. XXXX XXXX put home on market in our small town, " For Sale by Owner ''. I stopped working to care for my family member and get ready to move. 
4. XXXX XXXX. No offers were received since XXXX XXXX so listed the home for sale or rent with a Realtor. XXXX XXXX move to big city for better medical care and XXXX. 
5. XXXX thru XXXX, XXXX. Our home in small town is shown for sale or rent but receives no offers. 
6. XXXX XXXX. 7 Months later, I realize we could not afford to continue to pay and keep up the expenses of the home in the city and the small town. Contact Mortgage Company to make them aware of the problem. Deed the property to the Mortgage Company ( Attached Doc # XXXX. Doc shows our transfer of property to Mortgage Company XXXX/XXXX/XXXX ). 
7. XXXX XXXX Mortgage Company accepts transfer by transferring Deed from one mortgage company to another mortgage company. ( Attached Doc # XXXX. Deed ). 
8. XXXX XXXX Mortgage company secures the vacant home and changes the locks. 
9. XXXX XXXX receive letter from VA. ( Attached XXXX # XXXX VA letter ). 
10. XXXX XXXX thru XXXX XXXX ( 17 months ) work with Mortgage Company to supply documentation for a Deed in Lieu of Foreclosure in the loan modification process. 
11. XXXX XXXX email sent from Mortgage Company with SECOND denial of Deed in Lieu of Foreclosure for lack of documentation. ( Attached Doc # XXXX and # XXXX. # XXXX Partial list of documentation requested and sent to Mortgage Company. More docs can be furnished if needed. # XXXX Email from Mortgage Company stating denial and THIRD request to start loan modification process. ) XXXX. XXXX XXXX. Mortgage Company Appraisal of small town home. ( Attached Doc # XXXX Appraisal ). 
13. XXXX XXXX. I have had over two years of hardship with a family member. I have struggled with the Mortgage Companies loan modification process sending some of the same requested docs over and over. I am XXXX years old and have been XXXX for 18 years. My new home in the small town has depreciated from {$270000.00} that I paid XX/XX/XXXX to {$210000.00} XX/XX/XXXX and now {$23000.00} in charges have been added to the mortgage making the property owe over {$250000.00}. I listed the home for {$230000.00} to pay the mortgage and the Realtor fees, giving up my equity in the property. I have complied with the Mortgage Company loan modification process 2 times. I have deeded the house to the Mortgage Company. Please advise how I should continue with my request for Deed in Lieu of Foreclosure with US BANK. ( Attached Doc # XXXX Mortgage Company statement ). Thank You for your help and advise.
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. 


Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.