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 fails 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 Electric 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 card

I 'm writing to report that the banks have n't changed XXXX bit in the area of setting misleading / confusing terms and agreements to their customers. 

Recently, i availed of a balance transfer offer from Citibank - I have a Citibank XXXX Card. Even though my card agreement and pricing information table indicate that balance transfer fees indicate that fees would be {$5.00} or 3 %, i was charged. 

When i contacted the customer service rep, his answer is that the balance transfer check i used had the terms as 5 %. How many forms is a customer supposed to look over to execute a simple balance transfer transaction without getting screwed around for 67 % more fees than they expected to pay???
Product: Credit reporting

Out of the addresses listed on my credit report, XXXX of them is erroneous, and presents an unfortunate street name that not only does not exist, but that seems to be the result of an incorrect recording of an address by someone other than me. The address in question appears slanderous.
Product: Credit card or prepaid card

I was notified on XX/XX/XXXX of a pending legal matter related to a Citibank card ( XXXX XXXX store credit card ) opened in my name in XXXX. I did not open this account. I contacted the notifying legal party this was fraudulent, then called the police and reported the same to them. They recommended checking my credit report, which I did through XXXX, XXXX, and XXXX. I did not find the account on any of the reports but did place a credit watch on my account. I also contacted the vendor direct as I was suspicious it was not a valid debt and was told the account had been reported as fraudulent. I was transferred to their account recovery team who told me they were unable to see additional details on the account and I would need to call back in 5 days so they could request access. This account is over XXXX XXXX XXXX and was fraudulent from the start.
Product: Credit reporting or other personal consumer reports

All 3 bureaus are not reporting the same information and that is a violation of the fcra guidelines.

The accounts are reported as charge offs and they were wrote off from the creditors but the accounts are showing as open with a balance none of the last date actives are accurately reporting either
Product: Credit reporting

Every Year Equifax says credit reports are not available at this time online. They want you to mail in a bunch of personal information to obtain your report. This is unacceptable! I do believe they are required to provide me with my credit report with out jumping through all these hoops, the other companies do not require these ridiculous requirements. I want my free annual credit report from Equifax emailed to me at XXXXXXXXXXXX or mailed to me at XXXX XXXX XXXX XXXX XXXX WA XXXX Thank you sincerely XXXX XXXX XXXX
Product: Mortgage

My mortgage is in foreclosure and I applied for a modification with America'a Servicing Company in XX/XX/XXXX. XX/XX/XXXX I received a denial of the modification stating that was my calculated income was insufficient to support a modification because the modified payment would be 42 % of my income. I hired an attorney to appeal the decision because I believed the decision was not accurate. My attorney appealed the decision and showed that the income that was used was not correct, that it was actually considerably higher than the income showing on the NPV test results attached to the denial. The appeal was also denied for the same reason. My attorney resubmitted the entire modification package on XX/XX/XXXX showing that my monthly income was in fact {$10000.00}. per month, not the {$7700.00}. per month that the denial stated. On XX/XX/XXXX I received another denial from America 's Servicing Company stating that they were not going to review my application again because the change was not substantial enough to conduct another review. I feel that is both unfair and ridiculous. They will not review my application when they were wrong i n their calculation to begin with which is why I was denied and even after I proved that they were wrong they would not reconsider. Additionally, that is a XXXX % difference in my income. I think any reasonable person would consider a XXXX % increase in their monthly income to be substantial. There is no justifiable reason for the denial, my documents clearly show that I can afford a modified payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name MACYS/CBNA Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$810.00} written off. {$810.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$810.00} ccount name MACYS/CBNA Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly Payment {$0.00} Credit limit {$300.00} Highest balance {$700.00} Terms NA On record until XX/XX/XXXX I paid off my debt and it is still showing as charged off but it shows that I paid it off. I reached out to Macy 's multiple times and they keep saying they will remove this from my account and nothing has happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I created a XXXX XXXX XX/XX/2020 and i was trying to get my first apartment. Well to make things short i saw a collection account which is closed that is fraud. XXXX XXXX XXXX is reporting late payments on a fraudulent closed credit card in which i did not open. I called them and credit agencies but nothing has happened they run me in circles saying they are 'investigating ' it has hurt my credit score from a XXXX to a XXXX and is creating financial hardships for me. I want this account removed from all my credit reports because i did not open it and it keeps reporting late payments and hurting score. Please help me. I did not file a police report because its almost 7 years old i just now started learning about credit that is why im just now seeing this account. Also the company that XXXX XXXX provided that 'bought ' the account is no longer in business. I need answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

The complaint has never been addressed by Mr. Cooper. The complaint is specifically addressing ONLY the reported missed monthly payments of {$1900.00} for the months of XXXX 2019 as reported to XXXX  and XXXX. The furnisher/ Mr. Cooper continues to report to XXXX  and XXXX  XXXX missed monthly payments of {$1900.00} for the period of XXXX 2019. This continues to be an erroneous report by Mr. Cooper, a year after the note has been satisfied. 

Mr. Cooper and/or representing Mr. Cooper Attorneys or XXXX  XXXX  never provided notice, a request or filed any motion mandating monthly payments of {$1900.00} to my Attorney XXXX XXXX or to Judge XXXX of XXXX XXXX, Florida. There was no filed motion requesting monthly payments of {$1900.00} for 2019. Nor was any statement for 2019 received, submitted or demanded a monthly payment was due for any month in 2019 in the amount of {$1900.00}. As reported to CRA 's. 

All documents provided by Mr. Cooper, were examined by Attorney XXXX XXXX, XXXX, Florida, Were examined by Mr. Cooper Attorney 's and examined by Judge XXXX of XXXX XXXX, XXXX XXXX, Florida. No such request was ever made in 2019 to make monthly payments of {$1900.00} in 2019. 

Numerous requests under FCRA 623 have been requested from Mr. Cooper and to confirm accuracy of the reported erroneous missed monthly payments of {$1900.00} for XXXX.It is the obligation of the furnisher/ Mr. Cooper to correct or remove the monthly missed payments for 2019, per FCRA. Or remove delete the tradeline of misinformation. 

623. ( a ) ( 8 ) ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly -- ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information. 

My request under FCRA 623 is the " accuracy of missed monthly payment of {$1900.00} for the period of XXXX 2019 '', not the validity of the debt. Two separate issues. To provide the documentation to evidence the monthly payment demand of {$1900.00} for 2019. 

This is now become willful harm, defamation and Mr. Cooper is never been able to confirm the accuracy thru any written correspondence, motion or demand of the reported missed payment for the period of XXXX 2019. Nor disclose a paper trail there was a demand for monthly payments of {$1900.00} for any month in 2019. Therefore, they are obligated by Federal FCRA guidelines to provide an " accurate history '' to a consumer 's credit bureau or delete the erroneous information from the CRA 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

ATG Credit LLC has placed several accounts on my credit report listing XXXX XXXX as the original creditor as XXXX XXXX and states that the account was opened XX/XX/2020. After contacting this company they recanted this information stating that the actual original creditor they are working for is another collection agency XXXX XXXX, and that the original creditor is not XXXX XXXX but a hospital in XXXX Ohio. They were unable to give me an exact date of service, who the patient was. I have ever been notified by mail/phone/email/ or any otr correspondence prior to this 7 year old debt being placed on my credit report on XX/XX/2020. I've never been given the opportunity to dispute this debt prior to it being placed on my report. I've never contracted to pay any monies to XXXX XXXX, it is my understanding this debt was purchased by them from unknown creditor.
Product: Debt collection

Pursuant to 15 USC1681 ( a ) ( 1 ) The banking system is dependent upon my consumer reports being fair, and accurate to me. You allowing inaccuracies to be furnished on my consumer reports has caused me to lose confidence in the banking system, and as a result I will no longer be extending my credit to anyone, nor will I allow you to furnish a report on my behalf as a result.

You broke the law by furnishing this account on my consumer report. Pursuant to 15USC 1681 ( A ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device is not included in a consumer report. This law also states reporting missing or late payments is NOT allowed.

Pursuant to 15USC 1692E ( 10 ) using deceptive means to coerce a consumer into paying a debt. You broke the law when you filed a 1099C but continue to ask me to pay on the alleged obligation by actively reporting a " charged off '' account to the consumer reporting agencies and garnishing payments from my bank account without permission. You also broke the law and committed identity theft when you sold my information to CONSERVE and had them CALL and harrass me until I agreed to pay on the alleged obligation. 

These errors may be assumed to be a willfully intent on misleading or deceiving the consumer of the character/amount of any debt 15 USC 1692e . ALL debt obligations and securities are owed to the United States 18 USC 8.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX ( Original Creditor : XXXX 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 my written instructions
Product: Credit reporting or other personal consumer reports

There are unauthorized inquiries that were not authorized by me, someone gained access to my personal information and opened accounts/ and submitted inquiries
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 information was provided to Experian with back that a settlement had been reached and accepted by XXXX XXXX and XXXX. As of XX/XX/2024 Experian has failed to investigate the dispute accounts or update the balances. On XX/XX/2024 Experian sent me a notice that the investigation was complete????
Product: Credit reporting, credit repair services, or other personal consumer reports

During the time period of XX/XX/XXXX - XX/XX/XXXX I contacted several companies reporting negative information to review and assess this information. I'm a victim of identity theft and believe these accounts are related to this occurrence. I provided sufficient documentation to justify my position and prove that this information is inaccurate and does not belong to me. These companies have failed to provide any substantial proof of these claims belonging to me. I'm troubled by these actions because despite the removal of the same inaccurate information from the major credit bureaus these companies continue to report as verified. I still do not have not any proof from the creditors certifying their claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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
Product: Money transfer, virtual currency, or money service

I opened a business bank account with chase, have been using the account for weeks now. I sent my first invoice for work using the quick pay system that I had added through chase to my business account. The customer payment process and has a confirmation number yet the funds are being held by chase and my account was deactivated yet they will not tell me why or any other i formation. Outside of I have to go appeal the decision. Even then I can not get the funds nor will they return them to my customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the Fair Credit Reporting Act, 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 also states a consumer reporting agency can not furnish an account without written instructions on out. 

Account info Account number XXXX Date opened XX/XX/2021 Account type Open account
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a delinquent account reported by XXXX XXXX XXXX XXXX XXXX XXXX that I believe is fraudulent and does not belong to me. The details of the account in question are as follows : * Account Number : [ XXXX ] * Creditor : XXXX XXXX XXXX XXXX Reported Amount : [ {$19000.00} ] Background Information I would like to clarify that I have never entered into any contract or agreement with XXXX XXXX XXXX. The account was originally financed through an in-house finance lender, and I have no knowledge or documentation indicating any transfer of this account to XXXX 
Upon reviewing my credit report, I found this account listed as delinquent, which has negatively impacted my credit score and overall financial standing. I firmly believe that this entry is erroneous due to the following reasons : XXXX. Lack of Contractual Agreement : I have not signed any contract with XXXX  nor authorized them to manage or collect on any debt related to my name. 
2. Original Lender Information : My records indicate that the original financing was conducted through an in-house lender, and there has been no communication regarding a transfer of this debt to XXXX 
XXXX. Fraudulent Activity : Given that I did not authorize any dealings with XXXX, it raises concerns about potential identity theft or fraudulent activity associated with my personal information.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$160.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX 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 # ( private case number ) 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

A request was submitted to Equifax credit reporting agency to resolved a disputed item in the credit report, item XXXX for an alleged debt involving alleged creditor XXXX. A dispute and request for investigation for removal was mailed to Equifax on or about XX/XX/XXXX for myself. I alleged that the alleged debt was non existent and could not be substantiated and thus was incorrectly reflected as a charged off account on my credit report and demanded the debts investigation and deletion. 

To this date, XX/XX/XXXX, Equifax has failed to investigate the claim or respond in any meaningful way. They have failed to respond within 30 days.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I also request a thorough investigation into this matter and swift correction of the error by removing the unauthorized inquiry from my credit report. Your prompt attention to this issue is deeply appreciated.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Fund Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer proteccin laws, and I request your assistance in investigating this matters to ensure my rights are upheld. Thank you.
Product: Mortgage

I was a member with XXXX XXXX and had two mortgages with them. Last year they sold our mortgages to our new provider Mr. Cooper, whom I have the issue with. Mr. Cooper has been charging me fees on my mortgage with no definition or purpose, and there is no way to see what the fee is for. When I reached out to Mr. Cooper last summer, they said there was one fee applied to my account for a payment I " missed '' in XXXX. I never missed a payment, but my payment got returned for non-sufficient funds which I promptly paid in full two days later when I returned home from a XXXX It was paid in full by the 8th, and no missed payment had ever been noted on my account. Looking into your definition for late fees, considering Mr. Cooper wasn't even the mortgage provider at the time, I do not believe they have the right to be charging me fees for this. Also, I will check my statement month by month to consistently see random undefined fees that I have no way of knowing what I am being charged for, where they are originating from, or why I am being penalized as I am an XXXXXXXX XXXX officer and am required to pay on-time all the time or I risk losing my clearance and my job. Mr. Cooper is a predatory service, and is taking advantage of us with no method of appeals.