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

( a little backstory just to explain how XXXX withdrawals at Cash app work ) To facilitate customer withdrawals, cash app employs XXXX hot wallets. When a customer requests a XXXX withdrawal, cash app does not send the XXXX directly from the users cash app account. 

The XXXX is first sent to a XXXX hot wallet, owned, controlled and operated by cash app, then the XXXX is sent to its final destination. 

XXXX I accidently sent a XXXX withdrawal from cash app, back to the cash app hot wallet address used to send me the withdrawal. 

As a security precaution, these addresses are not tied to a users cash app account so the XXXX was not returned to my cash app account. 

The amount I sent was : XXXX XXXX Every XXXX transaction can be viewed publicly on the ledger. That's how XXXX works. Therefore every transaction can be tracked and traded to its origin. There's no possible way to " lose '' XXXX as the footprints are always there. 

My transaction back to the cash app hot wallet : XXXX XXXX XXXX The cash app XXXX address : XXXX I've spoken to cash app numerous times but they fail to take the time to fully comprehend my issue and what I'm saying. They continue to respond with pre-written replies that are totally irrelevant to my issue and completely negate the fact of the matter which is that I send funds to cash app. This can easily be proven beyond a shadow of a doubt, and cash app now owes me the funds equivalent. 

***I 've not once ever asked for a refund. XXXX transactions can not be refunded or reversed. *** Cash app has made countless false claims saying the XXXX is " lost '' and " not able to be retrieved '' why on earth they think they have to send me back the same exact XXXX I sent them is beyond me. 

XXXX acts as nothing more than a store of value. I sent cash app a value of around {$320.00}. 

To explain it as simply and plainly as possible : Me : - {$320.00} Cash app : $ XXXX All I'm simply asking for the situation to be resolved is : Cash app : - {$320.00} Me : + {$320.00} That is all. It's not a difficult thing to understand yet cash app refuses to acknowledge the situation and offer me an adequate response. 

I know that there's no " refund '' button they can easily press to resolve the matter and it shows on the ledger that the XXXX I sent to cash app was retrieved within hours and used to facilitate other customer withdrawals. 

That's why I'm asking to speak to someone who has the authority to manually send me an equivalent amount back in a new transaction. 

Cryptocurrency exchanges do this all the time for people who have the same issue. 

Everything I am saying can easily be proven. If they refuse to corporate and pay me the money that is owed to me then they are subsequently saying they are stealing my funds. 

If that's the case, I simply just want to know why that is? 

Telling me they can't or have no means to send me the money I am owed is not a legitimate answer because they are well capable of doing so. 

Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act 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 n accordance with the Fair Credit Reporting act XXXX  Account 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: Student loan

This company is horrible. My complaints are consistent with the lawsuit being filed. I constantly receive contradictory information from different representatives and have been constantly encouraged to enter forbearance periods. Every time I present my situation to a representative they have a different version of what is the best option for me though my situation and presentation of it has not changed. The ultimate response I always get is that " If I can't afford the payments I should enter forbearance until I can. '' This occurred even when I stated that I want to find a way to make payments. On multiple occasions representatives have hurried to get me off the line with promises that a coming email would explain things. Those emails ( on at least two separate occasions ) never came. When I finally convinced someone to walk me through the IBR plan and what to submit, I was told that everything was set and that my new payment would be $ XXXX/month beginning XX/XX/2019 and that an email would confirm that on the XX/XX/2019. I asked repeatedly if the company needed anything else from me and was told no. No email came and when I called today ( XX/XX/2019 ) I was told that my application was denied because they did not have proof of income. I told them they did and pulled up the document. They stated that I did not write the pay frequency on the stub. I informed the representative that I was told everything was good and that the paystub indicated clearly how often I get paid which is every two weeks. The representative agreed and stated that she could could see that, but that the company wanted a handwritten explanation on the stub itself and that I would have to resubmit the form. I asked to speak to a supervisor and was informed again that " the due could be extended '' or I could " enter forbearance '' if this was too much for me. I'm exhausted from dealing with this company. They are unclear, unfair and not about the well being of their customers. Their policies are confusing and inaccessible and their representatives constantly encourage options that ultimately cost consumers money. I'm filing this complaint because I want accountability. The student loan scene is all but a crisis in this country and someone should hold these companies accountable. Please contact me if you have further questions.
Product: Credit reporting or other personal consumer reports

Equifax has not updated my file to report accuracy as i have requested numerous times. 

Equifax shows an account from XXXX XXXX ( XXXX ) as being open. However, this account was paid OFF months ago and XXXX and XXXX have reported the updates, but not Equifax. I have a ZERO balance with XXXX XXXX and the account is closed. Equifax shows last payment date of XXXX of Last year. This has damaged my score and gives the impression i have not paid on this account in over a year. This is incorrect and i requested Equifax update this account to report PAID in full and closed or remove the account from my file. 

XXXX ( XXXX ) Equifax still has this account listed as open as of XXXX of XXXX. Equifax has refused to update this account to show ZERO balance and paid in full and CLOSED. This account has been paid off with XXXX as of XXXX of this year. XXXX sent the update to all three credit agency. Everyone updated my file, with the exception of Equifax. 

XXXX XXXX XXXX XXXXXXXX ) This account was the result of FRAUD. XXXX XXXX  requested the deletion of this account with ALL THREE credit agencies. EQUIFAX is the only agency that reinserted this account in violation of my FCRA rights. I have verified again with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ). She has requested Equifax remove this file completely from my report. Equifax is the only agency that continues to report these erroneous files and then when i dispute, I am told the file is accurate. This account should be removed immediately as it has tarnished my credit reputation with other lenders. This is NOT my account and never has been. It has been requested to remove several times by XXXX XXXX XXXX ( XXXX ). 

XXXX ( XXXX ) This account was also paid off and updated on my credit file with XXXX XXXX XXXXXXXX. However, Equifax continues to list it as a current balance. I have asked that this account be updated to reflect ZERO Balance and Paid in Full. 

I have furthermore disputed the following inquiries with Equifax and each of them were never verified and were the result of fraud attempts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries XXXX XXXX through XX/XX/XXXX were not provided full credit report and score. No score. No correct trade lines. 
Equifax did not advise until XX/XX/XXXX of issue. 

Ive been consistently denied credit for over 1 year and misinformed by equifax until recent. My bank did not open trade lines and renew because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, accounts : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the right of privacy.

15 U.S.C. 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I spoke with someone from XXXX regarding an dispute I had submitted to them on XX/XX/XXXX. During the conversation on XX/XX/XXXX, I was informed that the dispute was being granted in my favor and they agreed to send a notification to the debt collection company to remove the account from my credit. They informed me that they send these communications out on Saturday 's, which meant that they would send the communication on XX/XX/XXXX. I looked on my XXXX XXXX account and noticed that the balance had been updated to zero, and marked as " closed. '' I contacted XXXX on XX/XX/XXXX because I was told that it would be removed from my credit. They stated that they had sent that communication on XX/XX/XXXX and that it should have been resolved. I contacted the debt collection agency ( Credit Collection Services XXXX ) and informed them of the situation and asked that it be updated correctly, they stated that the debt was valid and that it was being reported correctly. They stated that they would communicate with XXXX and request for clarification. They did not follow up with me with the outcome of their communication. I checked my XXXX XXXX app on XX/XX/XXXX and there still had not been any updates/changes to it being reported. I communicated with XXXX again today ( XX/XX/XXXX ) and the representative agreed to send me the e-mail that was sent to Credit Collection Services two times prior ( and they said that they would request to send it again ). I called Credit Collection Services and explained the situation again, informed them of the documentation I had, they said I could send it in but offered no other resolution. As they requested, I sent them the e-mail and a copy of the Explanation of Benefits ( that shows I had {$0.00} patient responsibility ) to them by fax to XXXX.
Product: Debt collection

Got a phone call on XX/XX/XXXX around XXXX from XXXX demanding my name address social number etc upfront without trying to tell me the reason for the call.finally got a name from them and reason and I did not refuse to pay said debt which is said to be lower than is whats on my credit which through a flag and then told me a different finance company than I signed with then proceed to threaten me me if I didnt set up a payment right then through bank draft that they were going to take legal action especially when I told them Ive never received anything in writing from them stating what I owed etc.funny that I just got a letter stating that said finance company just sold the loan to XXXX  in XXXX ha but getting a call from California the very next day being threatened
Product: Debt collection

Paid settlement for {$270.00} on XXXX in exchange for account deleted of my XXXX XXXX XXXX XXXX credit report. It is Midland Credit Management policy to delete account off the Credit Reporting Agencies and account has been settled. 

Account is still in my XXXX, XXXX XXXX XXXX credit report.
Product: Mortgage

Our mortgage company requires home insurance, and also handles the payment of that insurance through our required escrow account. We were dropped by our insurance company ( as many homes in Florida were being dropped ) but were quickly able to secure new home insurance with XXXX XXXX -- the only company that would insure us at the time. We immediately sent proof of our new insurance policy and payment requirements to our mortgage company, so they could note the new coverage and pay the premium. They confirmed receipt, and had plenty of time ( 90 days ) from our notice to make the payment from our escrow account, but for some reason ( it's still unclear why ) they dropped the ball and payment did not go out in time. Our new insurance company, XXXX, sent a notice of rescission of our policy for non-payment on XXXX XXXX, XXXX, back-dated to the beginning of the policy on XX/XX/XXXX. I called our insurance company to explain the situation, but they said there was nothing they could do, even if our mortgage company sent out the payment, we could no longer get coverage with them -- our policy was cancelled. When I called our independent agent to try to get emergency/temporary coverage with another company, she told us there is no other insurance company in XXXX  that would cover us, since on paper we had now been uninsured for several months. So, I called our mortgage company several times over the next 3 months, trying to get answers and/or someone to help us, but their only answer was that they would have the let the automatic process happen where they provide insurance coverage themselves, called " forced coverage ''. In the meantime, the rep I spoke with lied about the amount their " forced coverage '' insurance would be, quoting an amount similar to our previous policy in order to placate me, I'm guessing. They also told me a supervisor would contact me, which never happened. I received a warning letter on XX/XX/XXXX from the mortgage company, stating that my policy expired and to provide evidence of coverage, or they would have to " provide forced coverage '' that would be significantly more expensive than our previous policy. I then made a couple more calls to our mortgage company but was unable to get a supervisor on the phone, to which they said one would return my call. Still no phone call and no follow up. On XX/XX/XXXX we received the final warning letter that the " forced coverage '' insurance our mortgage company would provide would be {$7700.00} which is about double the amount of our previous policy, and because the coverage would be back-dated, that means that as of XX/XX/XXXX, we will have paid double the amount of insurance for 7 months ( to date ). This whole debacle is our mortgage company 's fault, and we have been unable to resolve this situation with them. I believe they have violated CFPB Statute 1024.31 because we did provide proof of home insurance coverage and the escrow funds were there, but the insurance policy was rescinded because of the mortgage company 's failure to pay the premium by the deadline.
Product: Credit reporting or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove this items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than XXXX business days. Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

XXXX XXXX through XXXX the company XXXX mortgage purchased my mortgage from another lender and notified me via written mail despite having my email and phone number. I was out of the state working in Ohio as the mail was sent to my home in Florida. The account they transferred to was a different login than my current login for the same company that held a previous loan for another rental property. I now have two loans with XXXX loan number XXXX and XXXX however I can not access my loan because the logins are different. When I attempt to login it sees my account as attempted fraud and makes me reset my password kicking me off both loans as they are open under my name but different logins making it impossible to ever access either loan. The account I have current is different then their account they marked at 120 days past due. I have contacted multiple times to verify my loan and they are requesting me to blindly pay without every being able to access my transferred loan. My assistant that manages the loans assumed the loan was being paid as the original home loan through XXXX is current creating the appearence that I was intentionally not paying the other loan under a separate login that was sent via written mail that I was unable to check.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

My account with EXPERIAN was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
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. 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 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. 
account does not belong to me ; I do not own a 2017 XXXX XXXX. 
COMAPNY XXXX XXXX XXXX HAS VIOLATED MY RIGHTS
Product: Checking or savings account

I wrote a check in XX/XX/XXXX valued at {$5000.00} to XXXX XXXX XXXX. The check was not cashed by them and it was fraudulently cashed by someone else. I notified Bank of America that the payee on the check notified me that they never cashed the check and that I am a victim of check fraud. I have made multiple calls to the bank from XX/XX/XXXX to XX/XX/XXXX asking for them to investigate who cashed my check and provide me details. The send me a copy of the check with markings that are ineligible and continue to refuse to tell me who cashed my check. 

They said that it was cashed by a XXXX XXXX account which is not the bank that XXXX XXXX XXXX holds an account in. They are refusing to give me this information because they know the check has been fraudulently cashed by someone else. The are quoting their disclosure statements that if I did not inform them within 60 days of check fraud they are not liable. According to the Universal Commercial Code consumers have upto 12 months to report check fraud.
Product: Payday loan, title loan, personal loan, or advance loan

The company closed and changed all of their terms. Then sold all of their accounts and debt to an even riskier and poorly reviewed company. The changes are so drastic, it can not be considered fair or legal