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 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 or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD A FRAUDULENT ACCOUNT ON MY REPORT. PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT, IT'S HURTING MY ABILITY TO OBTAIN CREDIT SEE THE ATTACHED, THANKS
Product: Credit reporting

This very small insignificant CRA typed the following verbatim response to the CFPB one month ago : LexisNexis Risk Solutions ( " LexisNexis '' ) responds as follows to XXXX second CFPB complaint against LexisNexis ( Case Number : XXXX, filed on XXXX/XXXX/2016 ) : In XXXX latest CFPB dispute, Case Number XXXX, he disputed that LexisNexis did not address his concerns in his initial CFPB dispute, Case Number XXXX. We apologize for any confusion we may have caused XXXX XXXX. The duplicate liens and addresses XXXX XXXX references are not being reported in consumer reports provided by LexisNexis. A copy of XXXX reports will be mailed to the address referenced in his complaint. 

If XXXX XXXX has additional concerns he may contact the LexisNexis Consumer Center at XXXX, during the hours of XXXX and XXXX EST Monday-Friday.
Product: Debt collection

Someone opened a credit card account in my name with Comenity Bank/Sony Visa. I have been in correspondence with representatives from Comenity Bank since XXXX, 2021. I have informed Comenity Bank that I did not open the account. The person who opened the account used my personal information and assumed my identity. On XXXX, XXXX 2021 I sent Comenity Bank a letter with the FTC Identity Theft Report. Comenity Bank has ignored my claims, stating that the information they have that was used to open the account is my information appearing on my credit report. Comenity Bank representatives continue to call in a harassing manner.
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: Debt collection

XXXX XXXX XXXX XXXX : {$280.00} XXXX XXXX XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX XXXX {$67.00} Student Loans that have duplicates XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX  {$430.00} XXXX XXXX XXXX {$140.00} XXXX XXXX {$440.00}
Product: Checking or savings account

Wells Fargo issued an electronic funds transfer to an account. We did not authorize. We still do not have any information on the direct pay that Wells Fargo offered and we still do not know where our money went. Over {$340000.00} was sent from our account into an electronic funds transfer to a person or business. We have no idea about with no direct pay information available from Bank. We have called several times. This has been ongoing since XX/XX/year>.
Product: Vehicle loan or lease

I am disputing, the credit reporting from Leaders Financial. 

I purchased the vehicle in XXXX  from a friend who worked at the company at the time, my credit wasnt that great, but he said he was able to make things work on my behalf, about 4 months after having the car, I experienced some issues, I have been taking it to the dealer often. About a year later, the car stalled on me as I was driving to work, I was able to get it started again, drove to work, and left it parked there, I paid for an XXXX to get back home ( {$85.00} ). The next day I had the car towed from my job to my apartment. The next day I was told it is the radiator, and I would have to add water to the cool it down, because it was overheating. I relied on my vehicle to get back a forth to work, so I began seeking other options to purchase another vehicle. I went to a dealer that same day with the car, I called Leaders that day to ask what the payoff amount was for the vehicle, I was told it was XXXX. Unfortunately when the dealer went to inspect the car, he wasnt able to offer me anything for it, so I went back home, and decided to look the next day, at this time the car was no longer functional, and I got a rental for the week, I then went over to a dealer in XXXX, and was successful in purchasing a vehicle, I came home parked the vehicle. The next morning when I went outside the vehicle that was not working was no longer there, at this point I assumed it was stolen, because I just called leaders to ask for a payout quote, but when I called to tell them what happened, they said they would let me speak with the person who sold me the car, and he would be contacting me to determine what the issue was. I had never heard from anyone in regards to what took place, I had not received a notice of potential repossession, I was not offered an option to retrieve the car nor my belongings. Shortly after I was moving and had all mailed forwarded accordingly, and still no communication from this company. A few months later checked my credit report and there it was, I called and sent dispute letters but no resolve. 

Thank you for your time and attention to this matter.
Product: Checking or savings account

Money was getting token out by a person not on my account on my occasions
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a letter to Experian asking them how they verified 2 accounts that are on my report XXXX XXXX and XXXX XXXX XXXX. The letter was recieved by Experian on XX/XX/2019. I did not receive a response until XX/XX/2019. 
According to the Fair Credit Reporting Act ( FCRA ), the credit reporting agency is required to give you method of verification within 15 days of your request. 
That is well beyond the 15 days allowed. Additionally, I recieved a letter from XXXX XXXX XXXX dated XX/XX/2019 and recieved by me on XX/XX/2019 stating that THEY HAVE NO SIGNED CONTRACT. In the second paragraph of the attached files. 
So AGAIN I ask Experian how did you verify/conduct a reasonable investigation the account with XXXX XXXX XXXX  if you have NO signed documents to substantiate the account?
Product: Credit reporting or other personal consumer reports

TRACKING # XXXX XXXX XXXX XXXX XXXX XXXX : TRANSUNION TO WHOM : IT MAY CONCERN ACCORDANCE TO TITLE 15 6801 ( a ) ( b ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) PROTECTION OF NONPUBLIC PERSONAL INFORMATION ACCORDANCE TO TITLE 15 USC 1681a ( 2 ) I DIDNT GIVE WRITTEN CONSENT TO HAVE THIS XXXX  UNAUTHORIZED ACCOUNT READS : XXXX  ACCT # XXXX TO BE FURNISHED/REPORTING ON MY CONSUMER REPORT. I HAVE FILED A POLICE REPORT AND IVE FILED An FTC REPORT TROPER UNDER OATH I HAVE NO CONTRACTS WITH THIS COMPANY AND THIS ALLEGED DEBT ALSO IF THIS WAS MY DEBT THIS COMPANY ISNT EVEN LICENSED TO COLLECT IN THE STATE OF TEXAS. ALSO I HAVE NO DEBT REPORTED WITH THE SECRETARY OF STATE WHICH IVE SUBMITTED A CERTIFIED NOTARIZED COPY .IT IS YOUR DUTY TO REPORT ACCURATE CLEAR AND PRECISE INFORMATION AND PROTECT THE CONSUMER RIGHTS AND HUMAN RIGHTS PLEASE DELETE XXXX  ACCOUNTTTTTTTT IMMEDIATELY THANK YOU VERY MUCH IN THIS MATTER ANDD IN THAT ORDER. THX IN ADVANCE GOOD SIRS/MAAM. SINCERELY, XXXX XXXX XXXX UCC 1-308
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

The following information currently listed and showing on my Clarity Consumer Report Reference Number : XXXX is not my information : all the dates/times/tracking numbers, personal information, dates of births, drivers license numbers and states, home addresses, housing status, months at addresses, Cell phone numbers, home phone numbers, work phone numbers, email addresses, employment information, employer names, employer addresses, occupations, months at employer, income information, net monthly income, pay frequency, date of next paychecks, direct deposits and banking information. The only information that should be listed on my Clarity Consumer Report is my current name, address, DOB, and SSN. All the other information listed and showing on my Clarity Consumer Report is inaccurate and not my information.
Product: Mortgage

We feel terribly violated and defrauded by Bank of America , N.A . on my parents REVERSE MORTGAGE whom have past away, I am the Executor to their Estate and the Promises made to my parents upon obtaining a Reverse Mortgage was Sadly Misleading, and Now I have family members with XXXX School age Minor Children with Fear of being Evicted despite doing everything according to the, REVERSE MORTGAGE SOLUTIONS and XXXX XXXX XXXX, Hired by Bank of America have shown to be Bullies and using intimidating language, Refusing to Allow us to Sell my Parents home by refusing, Offers of Purchase and Stalling the process by Numerous Motions, and Unfortunate Probate Delays, despite repeating attempts to accept Real-estate Offers, I have kept in close contact with Bank of America 's Attorney, XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX, XXXX XXXX County Court House, I have email threads providing a timeline of these failures, despite speaking out. I 'm XXXX and was unable to hire an Attorney doing everything myself, I was Offered a " Cash for Keys '' agreement by XXXX XXXX XXXX, XXXX that was then resended by THEM with no further explanation, with NO RELOCATION ASSISTENANCE for the family members left in the house. I find this REVERSE MORTGAGE of our aging parents, Nothing more than a SCAM, that once discovered, there is nothing you can do the victims are deceased, and the family is left with the burden. In my case my parents were longtime Bank of America customers and they TRUSTED them, BUT we could of never imagined this would be the outcome my parents expected and as the Executor of the Estate we were informed Bank of America has Mortgage Insurance Premiums, covering the mortgage upon there death, that I 'm sure they long collected. My pleas is to Bank of America , N.A . to do the right thing and Offer RELOCATION ASSISTANCE, of {$3500.00} to my family or ALLOW us to SELL the property we were entitled to do according to there agreement with my parents. Any further information you may need please feel free to contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a inquiry was made by my ex wife and i had no knowledge or did i give consent until i gained control of my XXXX XXXX account
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX with complete attachments of my personal information as well as the ID THEFT REPORT I ereceived from the FTC requesting that the Credit Bureaus remove fraudulkent information from my Credit file that are UNKNOWN to me. According to the FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/XXXXXXXX XXXX.Ive already included this in my previous Complaints & I am including it again. I have read enough to understand my rights which is clearly being violatedby the Credit Burueas by contunuing to report the disputed items whitout proper verification. I need the disputed items removed completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I discovered collections from Portfolio Recovery Associates , LLC ( PRA ) on my credit report, which I believe to be inaccurate due to discrepancies I noticed in the information provided. Specifically, PRAs reporting is not complete and accurate furnishing as required under the Fair Credit Reporting Act ( FCRA ). Furthermore, their vague response to my initial validation request failed to clarify these discrepancies or provide the necessary account-level documentation to substantiate the debt. 

To address this matter again, I sent a formal letter to PRA requesting validation of the debt, as well as this complaint through the Consumer Financial Protection Bureau ( CFPB ) portal. Despite my past efforts, PRA has yet to provide sufficient documentation to validate the debt or demonstrate compliance with the FDCPA and FCRA. This lack of adequate validation further highlights concerns about their reporting practices and obligations to furnish accurate information. 

To support my case, I am uploading the vague response I received from PRA, which demonstrates their failure to meet the standards required for validation under the FDCPA and their obligation for accuracy under the FCRA.
Product: Credit card

There has been an inquiry every month from Capital One since XXXX 2015. Why is this? 
I only have XXXX credit cards. These inquiries on my XXXX account are affecting my credit score.
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days of receiving a complaint consisting of the information below XXXX XXXX {$1300.00} XXXXXXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$4500.00} XXXXXXXX XXXX  XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX  XXXX {$3100.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$10000.00} These credit accounts are the results of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the Fair Credit Reporting Act as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and non-verbal per 15 USC 6802. 

Per the Privacy Act of 1974 as a federally protected consumer, it is my right to privacy.

Per the Security Exchange Act of 1934, the certificate of indebtedness once deposit any credit balance on the account over {$1.00} should be credited to I the consumer. As the consumer in this credit transaction, I can not be late on a balance due to me the federally protected consumer. I have not received my check. 

Stating the consumer owes a debt that the financial institution agreed to discharge is a violation of oath by the trustee and their fiduciary duties. 

Per the SEC filings submitted by World Finance/ World Corporation they agreed to these duties. Under the Emergency Bank Act of 1933 there is no legal tender since there is no gold in circulation. 

The only legal/lawful tender are the US postal stamp per the XXXX XXXX. To demand a particular form of payment from is a violation of my federally protected rights since the XXXX pledged to be responsible for XXXX XXXX XXXX XXXX 

XXXX reported this account late multiple times 30 days late. This is a factual accounting as it is on their report furnished. As it is known one can not be 30 days late for multiple months in a row. This means XXXX knowingly furnished deceptive reports.
Product: Credit reporting or other personal consumer reports

I recently requested my tenant screening report which was provided from XXXX ON XX/XX/XXXX. I requested my report due to an adverse letter sent to me by XXXX on XX/XX/XXXX including false information that is listed on my credit report with " Experian XXXX '' which is different from the regular Experian ( which does not list this information, or XXXX or XXXX ). The letter states that I have lived somewhere that I have not lived since XXXX, and also stated that I owed debts. I have no knowledge of any debts written or verbal, and I have been living at my current residence during the time that they are showing on their report which reflects XXXX and XXXX. I'm not sure where they have generated this information but it is not correct. They have also shown in the report that the lease term from that property reflects start Date/move in : XX/XX/XXXX and end date : XX/XX/XXXX and move out date XX/XX/XXXX ( Although the debt does not belong to me, but based on the false information that is noted in the report, I also noticed that they did not include the clause/statement reflecting information showing the protections under the Federal CARES Act, rental assistance, ect. ). This negligence has caused a strenuous delay in my moving with my small kids as a single mother on short notice and undue distress. My integrity calls for lawful and moral convictions to settle anything that might harm another or hinder my own life with my children. This has greatly affected me and my kids, and as per my rental and payment history, I always pay on time and gracefully without any missed payments reflecting even the payments paid in advance.
Product: Debt collection

I along with ALL of my relatives received a call stating a process server is attempting to get in contact with me on behalf of a collections company that cant send documents to me. When I call the number they provided its an answering service that routes your call to the company based on the case number, which my case number is apparently directed to XXXX XXXXXXXX XXXX  XXXX. When transferred to the 'law firm ' my last 4 of my social, full name and DOB are read out, and I am told there is a debt of over {$5000.00} from an old Bank of America account. This 'debt ' claim was the same I dealt with about 2 years ago and filed a complaint about, with a different collections company, XXXX . XXXXXXXX XXXX   said they closed the debt as non-collectable and I would not be contacted again, yet apparently the claim was sold to another firm. XXXX XXXX said they will contact Bank of America but I was told by XXXX that once a claim is sold Bank of America doesn't have records of any further information.

These collectors called ALL of my family and even friends without my consent about a 'debt ' I was previously told has been closed as non-collectable.
Product: Mortgage

Good day! 

My home was wrongfully foreclosed on me without giving me the opportunity to save it. The mortgage servicer did not send me a single notification about a foreclosure auction at all. No calls, nothing. How is that possible?? I was previously was notified by certified mail, letters posted onto my wall, regular correspondence in regards to any foreclosure proceedings yet this one I did not receive even a smoke signal. I am not happy, I am not okay. I dont understand how this is legally possible. They are a debt collector, they have to notify me by all means of any and all actions taken against me, towards me and to me, and it did not happen. They hid under a rock. When questioned, they only referred me to speak with the foreclosure attorney without taking any accountability. 

I spoke with XXXX in Loss Mitigation XXXX XXXX and he confirmed on his recorded line, that loan depot not once sent out a letter notifying me of such action wanting or being taken place. He confirmed on multiple occasions within that XXXX phone call that there is nothing on record. So once again, How is this legally possible to happen? 

I need all and any help with what is going on. PLEASE I cry for help asking to help reverse the sale of my home so I can assure my family a safe place to sleep and wake up to every morning. 

Loandepot are predators, no consideration for consumers, have been attempting to reach a work out resolution with them for over XXXX  years and all they have done is given me the runaround and played games. I not once signed up for any games. I am a hard working civilian, man whom provides for his family. I would never be in this predicament if it wasnt for their lies and deceit. I have never felt so cheated in life. 

PLEASE help me save my home.
Product: Credit reporting or other personal consumer reports

It has come to my attention, that XXXX XXXX has transfer an account to XXXX XXXX XXXX Immediately after I have put them on notice of Identity Theft. See FTC report # XXXX attached. XXXX XXXX XXXX is refusing to discuss my concern about their XXXX ID # XXXX, balance {$2000.00} Without first verifying the information they have on file. How can I verify information that doesn't belong to me? 


Debt Collection Practices laws 15 USC 1692c., 15 USC 1692d., 15 USC 1692e. , 15 USC 1692f, 15 USC 1692g., and 15 USC 1692j.