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 customer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Mortgage

This should be a very simple request but, it has been a complete nightmare. I am in the final stages of closing on a refinance loan with another loan company. I have a HUD government loan that will be forgive providing, I have not been late on the loan. 

XX/XX/2018, I requested my payment history from Ditech. Ditech has sent the printout for my payments from XXXX to present in-which, I have NOT been late. 

Here in lies the problem ... .There is a UAF / Susp field on the printout. The HUD loan processor denied the loan, thinking they are late charges. I asked Ditech to send a Verification Mortgage Letter that clearly shows that there are NOT, and has not been any late charges. The HUD loan processor needs a letter to state just that and will not except a conference call ONLY a DOCUMENTED LETTER. 

Ditech tells me we CAN NOT!! send a letter like that explaining the UAF / Susp field. We can only send the mortgage verification letter. I don't know why a letter can not and will not be created to explain that this UAF /Susp field has nothing to do with my account!!! 

I am suppose to close in 3 weeks and have been struggling to get a letter. I have called and written to corporate and still NOTHING!! I just need the letter to state I have never been late and the UAF / Susp has nothing to do with me. No one will create this letter. What company can not create a letter to explain the field. I am beyond despondent!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues 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, but no answer was received. this account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX Balance : {$38000.00}
Product: Credit card or prepaid card

On XX/XX/2022 I applied for a credit card with Ally Lending for the use of potential services needed for the amount of {$1700.00}. I canceled the services I had an appointment for on XX/XX/2022 with the company XXXX XXXX stating I no longer wanted services. This cancellation was 72 hours prior to my previously scheduled appointment. I received a credit card statement from Ally Lending saying that I owed money for services I did not receive. I have contacted both Ally Lending and XXXX XXXX  of which no one was able to help me with the dispute. I have left several messages and still no resolution.
Product: Checking or savings account

my account has been restricted for almost 2 years and I don't know why i wish that account be closed
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XXXX a det was satisfied and the negative information appear twice for no reason .the company was paid and satisfied of any old det that was owed to the creditor. A company was given permission to help take down the negative information by its still on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took a mortgage in XX/XX/XXXX, I bought my house through a company called XXXX XXXX lending, they sold the loan to a company called XXXX XXXX XXXX they report me on the credit report at XX/XX/XXXX. 
in XXXX another company report me to the credit report that called XXXX XXXX XXXX XXXX. 
now the situation I have on my credit report two mortgage loans two companies claim my loan. 
- what I did? 
1- I called XXXX XXXX XXXX they inform me that they will sold the loan to XXXX XXXX XXXX XXXX. on XX/XX/XXXX not in XX/XX/XXXX and they collect my payment until XX/XX/XXXX. 
2- I called XXXX XXXX XXXX XXXX. they claim that they own the loan from that date and they able to report me to the credit bureau since XX/XX/XXXX. 

- current situation : 1- two company claim my mortgage 2- because of the big amount reported to the credit report my credit score went down 36 point.

3- I can't take any loan because of the big decrease in my credit score.
Product: Payday loan, title loan, personal loan, or advance loan

Affirm is charging me for a service ( XXXX $ ) .I never received and cancelled before the cooldown period. I was entitled to a no-questions ask cancellation during the cooldown period to which I exercised and requested by phoneAffirm has recently reported erroneous information to the credit bureau regarding the service that I never received and cancelled and it has had a negative effect on my credit report
Product: Checking or savings account

In XXXX, Chase closed my Checking and Savings account due to investigating fraud. I never did anything fraudulent. All I did was deposit money into my Chase account from my local credit union and then try to use and move those funds when needed. I am not aware of anything wrong that I have done and every time I contact Chase, the customer support representatives say that there is nothing they can do because the backend team is still investigating. I tried to contact the Executive office and they said the same thing. The backend team does not talk to customers, so there was no way for me to get help. I was told countless times that I would receive letters in the mail that described why my account was closed, but this never happened. The only mail I got from Chase is the final statements for my checking and savings account that show how much money was in the account right before they were closed. Chase said that they would mail me checks for the final account balances when their investigation is over. It is already XXXX and I have received no help and no solution to get my money back. I don't understand how Chase can have this much power over my hard-earned money that I did nothing wrong with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX  Acct # 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, credit repair services, or other personal consumer reports

I done a refinance on my home with a credit card pay down XX/XX/2022 a payment of {$500.00} was issued to payoff my XXXX  XXXX  then XXXX of XXXX  I received a late payment with a extra XXXX  dollar fee, I called then fnbo, I emailed them a copy of the returned check showing that the check went through my account was more than paid off they said they would straighten it out. Fast forward to XX/XX/2022 Ive had the same call several times but they keep reporting daily delinquent payment to my credit report dropping my score and they keep compiling interest and late fees to the account! Please help XXXX XXXX
Product: Debt collection

On approx XX/XX/XXXX I was alerted of a new collection account of {$150.00} for XXXX XXXX apartments in XXXX. I do not live in XXXX or ever wanted to. I called the apartment and they said I still live there with a move out date of XX/XX/2024 and gave me the apartment I was living in. I filed a police report a hour later and now in the process a of trying to figure out what this is from.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # : XXXX This complaint is to inform you that the above referenced account being reporting by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. I am disputing the following information directly with you, the furnisher of information, and I am AGAIN requesting that you conduct an investigation as outlined in the FCRA Section 623. I am again requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with any corresponding local state laws. 
I recently filed a dispute in with the CFPB on XX/XX/XXXX regarding this matter. I received a response back from XXXX XXXX. Per my request she failed to provide me with a copy of viable evidence, showing that the account is being reported accurately. 
Upon obtaining my credit reports again after her response, I still have several inaccuracies being reported across the three credit bureaus. This is direct violation of FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681S-2 ] XXXX states in her letter to me that the said account was charged off on XX/XX/XXXX. She also confirmed that I settled the account on XX/XX/XXXX but it did not post until XX/XX/XXXX. She did not address the issues that I have mentioned regarding the inaccuracies being reported across all credit bureaus. The investigation I requested per her response was never conducted, another violation. 
XXXX. The following are being reported as follows Date of last activity : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : none reported Late Reporting : Date XXXX XXXX   XXXX XX/XX/XXXX 60days 30days ND XX/XX/XXXX 90days 60 days ND XX/XX/XXXX 90days 60days ND XX/XX/XXXX 90days 60days ND XX/XX/XXXX 120days 90days ND XX/XX/XXXX ND FP ND XX/XX/XXXX ND FP ND XX/XX/XXXX ND FP ND Per Sarahs response if the account was paid in XX/XX/XXXX, how are you reporting FP for XX/XX/XXXX with XXXX? 

Im attaching proof of all my findings by providing copies of my credit reports across the bureaus. If you are not willing to provide me with some sort of proof to validate these reportings, I ask kindly that you delete or suppress this credit reporting due to the direct violation of the Fair Credit Reporting Act ( including but not limited to Section 623-a-3 )
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ) specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Bank account or service

I have been contacted by Convergent for a debt that I do not owe.
Product: Credit card

On XX/XX/2016 I applied for the Citi Double Cash credit card. I was told that for 15 months I would not get interested charged on purchases or balance transfers. This same information is posted on the Citibank website. I have only had the card for 2 months and the interest rate of 15.24 percent that I qualified has now kicked in after the fact I was told I had 15 months 0 interest. I would like to get some help as this seems to be false adversting. Thank you in advance for all your help
Product: Credit reporting or other personal consumer reports

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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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

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

Someone needs to hold them accountable for this
Product: Mortgage

My mortgage was transferred from Ocwen to XXXX XXXX on XXXX XXXX, 2016. The escrow amount at that time should have been XXXX. The escrow amount at that time was XXXX, and that amount was transferred to XXXX. Numerous phone calls has not yielded a return of the funds. Your assistance is needed to remedy this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted by letter by Fidelity Creditor Service. They had purchased a purported debt from XXXX XXXX XXXX ( {$59.00}, XXXX XX/XX/XXXX ), which I had disputed with XXXX ( which charged an improper copay for a XXXX XXXX, which is 100 % covered by insurance under the Affordable Care Act ), receiving no response from XXXX. The letter from XXXX gave me a deadline of XXXX XXXX, XXXX, to dispute the debt. I disputed the debt in writing on XXXX XXXX, XXXX. Nonetheless, XXXX reported the disputed debt to the credit reporting agencies on XXXX XXXX, XXXX, negatively affecting my XXXX XXXX. 

Reference # : XXXX acct # : XXXX
Product: Debt collection

I was laid off due to COVID, and was having trouble with mortgage payments. The mortgage company, modified the loan, and then issued new dates to start making payments, during this time the Homeowner 's Association, sent a bill, in which we had trouble paying for {$400.00} for the annual payment. I tried to let XXXX XXXX XXXX Homeowner 's Association know that, we had trouble making the payments, but by then they had turned the account over to Alliance CAS, in which {$400.00} was paid for the missed yrly payment, now Alliance CAS sent a letter stating we now have at pay them, over {$2800.00} in total for lawyer fees and other fees, including the fees due. I wanted to speak with the original creditor, which is XXXX XXXX XXXX XXXX. to make any payments, in which I was contracted with them to do so. There was no understanding from the Homeowners Association, on the part of trying to work out a payment at the time, and anything paid to them is not going to XXXX XXXX 's but to Alliance CAS.
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. CITI  XXXX, CITI XXXX, CITI XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that I was set up on Auto Pay since my account was opened. I made all payments on time. On each statement your Auto Pay Policy states ( If you are enrolled in our Auto Bill Pay program, your automatic payments will continue until your balance is 0. ) I cancelled my service on ( XX/XX/2020 ) and went to another Carrier. 
However you did not continue to draft Auto Pay after my service was cancelled, ( which is inconsistent with what your Auto Pay policy states on the statement ). Also I was not notified that your company would not attempt to draft the Auto Pay for the last bill, so I was unaware that the last bill was not paid until it showed up on my credit report as a collection. 

I called XXXX XXXX immediately and paid the bill asking why you did not submit the Auto Pay draft. I was advised that since the service was cancelled your company stops the Auto Pay, again ( which is inconsistent with your Auto Pay Policy on the statement ). 

This late payment collection reporting on my credit report is due to an ( Auto Pay error ) with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

During XXXX and XX/XX/2022, partially known individuals hacked our credit reporting agency account and commenced to apply for numerous ( 9 ) credit cards and loan applications before we were aware of the hacking into our credit reporting account.

We notified the 3 or 4 credit reporting agencies and placed a freeze on our credit reporting account. We interviewed with our local police officials and reported the situation. Police officials informed us that no police report would be prepared until a cash loss had occurred.

The same individuals hacking our credit reporting account requested a US mailing address be changed to their address. We contacted our local postal inspector and received a freeze on our mailing address, which could not be changed except by my wife or me.
Product: Checking or savings account

I asked to close my checking account from bank of the west through secure message on XX/XX/XXXX XXXX PM, and received their response on XX/XX/XXXX XXXX AM. 

However, now on XX/XX/XXXX, there are two charges on my account, and account not closed XX/XX/XXXX FEE {$30.00} - {XXXX  XX/XX/XXXX DEBIT PREVIOUS PERIOD ACTIVITY RESULTED IN MONTHLY SERVICE CHARGE {XXXX XXXX XXXX
Product: Debt collection

To Whom It May Concern, I am writing to formally dispute fraudulent information that has appeared on my credit report, which is the result of identity theft. Upon reviewing my credit report, I noticed accounts and inquiries that I did not authorize and are not associated with any of my actions or accounts. 
The specific account and inquiries in question : XX/XX/XXXX Account Number : XXXX - Opened on XX/XX/year> XX/XX/XXXX ( Navy Federal Credit Union ) Account number : XXXX XXXXXX/XX/XXXX Account number : XXXX Address : XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX I request that you thoroughly investigate these discrepancies as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Under federal law, I am entitled to a prompt investigation and resolution of disputes regarding inaccurate or fraudulent information on my credit report. 
As a victim of identity theft, I have taken the following steps : Filed a Police Report A report of identity theft has been filed with XXXX XXXX Police XXXX, # XXXX Placed a Fraud Alert A fraud alert has been placed on my credit file with all three major credit bureaus ( XXXX, XXXX XXXX and XXXX ) as per my rights under the Fair and Accurate Credit Transactions Act ( FACTA ).

Requested a Credit Freeze I have taken steps to protect my credit by freezing my credit report, preventing further unauthorized access.

Under the FCRA, you are required to investigate disputed information within 30 days of receiving this dispute and provide me with the results in writing. Additionally, if the fraudulent information can not be verified, it must be removed from my credit report. I expect XXXX to comply with these legal obligations and ensure that my credit report is corrected as soon as possible. 
Please provide me with a copy of the results of your investigation, along with any documentation that supports the legitimacy of the items under dispute. If the investigation confirms that the disputed items were the result of identity theft, I request that XXXX take immediate action to remove these items from my credit report. 
If further documentation is needed, please do not hesitate to contact me at the phone number or email listed above. I appreciate your attention to this matter and your cooperation in resolving this issue as quickly as possible. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

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