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

On XX/XX/XXXX, I submitted via certified mail in which was signed for on XX/XX/XXXX, a notarized FTC report, notarized police report, notarized personal statement and copy of my credit report including highlighted fraud and inaccurate items to the credit bureau. Per my request and FCRA rules the bureaus had 3 days to remove all listed fraud accounts and incorrect information from my profile however they only removed some items. I have given the bureau ample time past the allowed time given via the law to remove all fraud items and associated inquiries yet they are refusing. I have had a fraud alert and have taken proper legal precautions, such as flag my social and replace my DL since XXXX. I have even disputed such items and the bureaus have refused to properly verify the validity of such accounts, now they are refusing to remove them even with a Federal report and police report backing me as validity that the accounts are fraud. Please remove remaining fraud items from my report. 

XXXX- remove all inquiries and XXXX XXXX credit card with balance of XXXX, XXXX Transunion- remove all inquiries and XXXX XXXX XXXX XXXX credit card with balance of XXXX, XXXX XXXX- URGENTLY remove all inquiries, two XXXX   accounts, XXXX XXXX  credit card with XXXX balance, XXXX account, XXXX XXXX account, XXXX and XXXX XXXX credit card .

I don not have account numbers as I am not the original owner of these account and neither credit bureaus has given me any complete information on these accounts including account numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up complaint to tell you that I need these items in my file removed pronto : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The listed items are erroneously placed in my file I need them gone right away
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX have been a victim of identity theft and am writing to request that you block this item from my credit report. I never initiated these accounts nor do I have a contract with the following Company ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX  and XXXX XXXX XXXX  XXXX ). These accounts are fraudulent and need to be removed. " The Fair and Accurate Transaction Act of 2003 '' requires you to block and delete any information that was the result of identity theft FACT Act Section 152 FCRA section 605B. The law states that you have 4 business days to complete this request.
Product: Debt collection

To Whomever This May Concern : First and foremost, this is me, XXXX XXXX submitting this complaint. I am not using a company. This is me filing this complaint. I am submitting this complaint because this company named XXXX XXXX XXXX, has shown up on my credit report. I have never heard of this company, I have never had a debt with them or any other company. This is identity theft and it doesn't belong to me. I need this removed off of my credit report asap. This has been removed before as fraudulent and it looks like it has been sold. I am not happy because XXXX, XXXX, and TransUnion should not be adding fraudulent items to my report as I am a victim of theft. I am not pleased with this. I have not received any responses to my dispute letters and I am demanding that this is removed from my credit report asap before I have to file a lawsuit per my attached letter.
Product: Checking or savings account

I filed a dispute on XXXX for {$2400.00} for unauthorized transactions on my card I was not aware of. Dispute number XXXX. XXXX days later I received an email saying This letter serves to inform you that we have reached a final decision regarding the claim mentioned above. After conducting a thorough investigation, we have determined that no unauthorized activity has occurred, and as a result, your claim has been denied. Our investigation involved a review of the information provided during the claim submission, as well as an examination of internal account records. Additionally, we collaborated with the merchant, other financial institutions, and our card processing networks as necessary. This claim is now closed. 

However I contact the merchant and XXXX XXXX stated no XXXX contact them on my behalf or have they spoke to anyone about unauthorized charges on my behalf. When I XXXX XXXX XXXX number and contact them about someone using a XXXX XXXX account using my card info they told me to contact my card provider. How can you do an internal investigation in XXXX days and deny someone claim without documentation. I can promise you I did not authorize these charges.
Product: Vehicle loan or lease

I am writing regarding the above-referenced case, no XXXX was provided to the SSA. and a debt that SANTANDER CONSUMER USA Has failed to validate. I believe their collection efforts violate my rights under the Fair Debt Collection Practices Act and Fair Credit Reporting Act. SANTANDER CONSUMER USA has sent several collection letters but failed to validate the debt as required by Section 809 of the FDCPA. 
I returned XXXX letters under Section 809 ( b ) as " insufficient correspondence '' and disputed the debt/requested validation and arbitration under Section 809 ( a ) after their third letter this XXXX of XXXX  Yet Santander Consumer USA did not respond within 15 days as mandated. 
VIEW EXHIBIT A, B, 7, 8, 9 Despite not validating the debt, SANTANDER CONSUMER USA now threatens repossession in violation of Section XXXX of the FDCPA and has accelerated collection efforts without proving the debt is valid and owed. 
VIEW EXHIBIT E, G I have disputed the debt and requested arbitration three times under Section 809 ( a ), but Santander Consumer USA has failed to acknowledge or engage in arbitration. 
VIEW EXHIBIT E ( 1 ) E ( 2 ) As SANTANDER CONSUMER USA. has not followed the debt validation procedures outlined in Section 809 of the FDCPA or engaged in arbitration as I have requested by XXXX three times each, any further collection or adverse reporting of this debt would also violate FCRA Section 611. I respectfully request that the Court order SANTANDER CONSUMER USA HOLDING INC. to validate the debt within 4 days or cease collection efforts against me if they are unable to validate it in accordance with the FDCPA and FCRA. 
VIEW EXHIBIT Z ALL RIGHTS RESERVED Respectfully submitted, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020 XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, XX/XX/2020 XXXXWESTLAKE FINANC add a hard inquiry on my credit reports. 
On XX/XX/2020 XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section XXXX ( c ) : Transactions Not Initiated by Consumer.
Product: Money transfer, virtual currency, or money service

I am filing a complain against cashapp ( Block , Inc ) due to inadequate customer service & unfair practices. Which violates The Consumer Financial Protection Act ( CFPA ). Cashapp failed to take timely & effective measures to prevent and address fraud on their platform, leaving my account vulnerable & unprotected. Furthermore their dispute resolution process was unfair, unjust, & at times seriously under investigated as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause a significant inconvenience & financial loss & i seek appropriate redress for these violations
Product: Student loan

I have been dealing with   XXXX   XXXX   XXXX   (   XXXX   XXXX   ) for over two years now but my ability to continue full time work is now questionable. My daughter obtained   XXXX   student loans in the total amount of {$42000.00} dollars, in which I was the co-signer, to attend the   XXXX   XXXX   XXXX   XXXX  . When her loans became due, the monthly payment was {$600.00} dollars. An amount that she was unable to afford! I as the co-signer, assumed the responsibility to repay the loans and have managed to pay half of the total amount.
In dealing with my  XXXX , I contacted the loan company " Navient '' to try and refinance the loans for the newer amount as to lower the monthly payment so my daughter could afford to make the payments. Navient was uncooperative and made excuses that the loans were in an amount that could not be lowered and were not adjustable even in regards to my medical condition!
They have also created false statements in regards to my bank not allowing payments online thus making my monthly payments late to collect late fee 's!!!!!!!
Navient is by far the worst company I have dealt with!!!!!!!!!!
Product: Credit card

Company written off/ charged off XXXX Left a past due of XXXX. I called to settle the company said they did not write off or charged off XXXX that I owe this this on the report it has I owe XXXX there fore this is wrongful reporting and under the fdcpa this account should be deleted immediately
Product: Credit reporting or other personal consumer reports

I am writing because I want to formally request the removal of specific accounts from my credit reports that are reported by all three credit bureaus ( XXXX, XXXX, and TransUnion ), because these accounts were included without my express written permission. According to 15 U.S. Code 1681b, consumer reporting agencies may only furnish a consumer report under certain conditions, including having the consumer 's explicit authorization or consent. I did not provide such authorization or consent for the inclusion of these accounts listed on my credit report. 

The following accounts should be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I respectfully ask that these accounts be removed promptly to comply with federal law. Please provide confirmation that these accounts have been deleted from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, The loan company is reporting a closed loan was included in chapter XXXX. This loan was not included and in fact paid in full and never late.
Product: Credit reporting or other personal consumer reports

I, XXXX, a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE TO ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. 
Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with EXPERIAN, TRANSUNION, AND EQUIFAX.

I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

please remove any and all fraud alerts from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a bankruptcy XXXX XXXX  being reported on my reports, and it is incorrectly reported, and the refuse to remove the bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint again just to make sure that when I update my XXXX credit reports next time these items will already be removed. I repeat, I am a victim of identity theft, and these items were not created or authorized by me. I am requesting that this information be reviewed for completeness, accuracy, and appropriateness in compliance with the FCRA. Instead of sending the information, please ensure that a thorough investigation is carried out, and this items will be DELETED. I would appreciate a prompt response indicating the activities that will be taken to fix this situation. If I do not receive a response, I shall be forced to utilize my legal rights and take legal action : EXPERIAN : XXXX XXXX XXXX XXXX, XXXX, KY, XXXX XXXX XXXX XXXX, XXXX XXXX, IL, XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$5300.00} XXXX  XXXX Balance : {$330.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX : XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$360.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX, GA, XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$2100.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX Balance : {$330.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an incorrect account on my credit report with the three major credit bureaus : XXXX, Equifax and XXXX. They have not provided any documentation to validate or verify the account, even after I informed them that I never opened an account with XXXX XXXXXXXX. The account is showing closed as of XX/XX/XXXX and is also indicating that the account is past due as of XX/XX/XXXX. I would like this account to be deleted from my credit file with the three major credit bureaus. As I stated before, I have disputed this account with all three bureaus twice : XX/XX/XXXX and XX/XX/XXXX, and despite informing them that I have never opened an account with XXXX XXXXXXXX and none of them providing documentation to validate or verify the account, they have not done so.
Product: Payday loan, title loan, personal loan, or advance loan

I made deferred payment arrangement to reduce payments from {$190.00} to {$120.00}. I have paid as agreed but received a call earlier this week from someone from XXXX XXXX XXXX XXXX since I paid XXXX payment on XX/XX/2023 I didnt not fulfill agreement and the account was being sent to their collections department. 

I also requested that negative information reported to credit bureau be removed since I have paid XXXX  payments as agreed. I have not received a response nor has information been updated by Credova/XXXX  XXXX XXXX
Product: Mortgage

Did a phone application to refinance with Quicken Mortgages. Rep initially  misrepresented or understated rates and costs of mortgage in order to obtain my approval to get my credit report. Then after the application was processed, the details of the loan were misrepresented and the rep would not provide the actual details in writing unless I agreed 100 % to accept the loan. I did not agree and asked several times to receive the details in writing. The rep agreed to send them but I only received my credit report. 
This seemed like a typical high pressure bait and switch sales approach. I do not think this is appropriate for mortgage sales and it does not help the companies reputation or reputability.
Product: Mortgage

We started modification process with Bank of America for XXXX of our mortgages XXXX of XXXX. We simply asked them to review our status and perhaps just lower our monthly payment so we could afford to live in our home. At that time, we were advised the only way that bank considers modification application is if we stop making mortgage payments and fall behind of our payments. We had no to intention of Short sale or foreclosure. My husband 's income dropped from when we bought home to XXXX, we used all the savings to pay for mortgage payments. we had meeting with XXXX of XXXX XXXX and were advised to apply for modification because our house was under water. After many months of application submitting, B of A sold our first mortgage to another XXXX XXXX and we got our modification with in a month and finished one year of our modification and never missed a payment. 
As far our second mortgage, we got denied on XXXX/XXXX/XXXX and transferred from XXXX account manager to another until XXXX/XXXX/XXXX. In the meantime, our no payment status was getting deeper and deeper with Credit report agencies. We started our trial payment and made proper payments on time. We received a letter from B of A on XXXX/XXXX/XXXX that we completed our trial and are approved for modification but to know that not only we are NOT going to have lower payment but have another 13 months added to the life of our loan. So we talked to our XXXX and decided not to accept the offer and started making our normal payments little more to catch up with the delinquency. As we were catching up with our missing payments and our mortgage balance at the time was {$100000.00}, we got a letter XXXX/XXXX/XXXX that thru Department of Justice settlement, our full principle balance was due for a forgiveness in amount of {$100000.00}. After contacting B of A, we were advised that any payments made until this process goes thru will not be refunded to you. After many phone calls and misleading answers finally this process was completed on XXXX/XXXX/XXXX and the lien was released. In the mean time, they were report us to credit Bureau, late payment, missing payments.
Product: Mortgage

In accordance with the Uniform commercial Code, I used legal tender in the form of a unconditional, readily saleable promissory note, that can be financially traded or monetized very easily by the Banks ; to pay off our remaining balance on our mortgage debt in full, to Regions mortgage Bank. I sent Regions Bank a legal notice, with the promissory note, that indicated to them, that if they refuse my legal tender for payment, to send me back the promissory note, with a written explanation, as to why they are exempt from legislation ; however, Regions mortgage only sent me back a letter stating that my promissory note, does not constitute valid legal tender, and is not an acceptable form of payment, etc ..., etc. What I do n't understand, is why Regions Mortgage would say that my promissory note is not legal tender, when the UCC clearly states that it is ; and I sent them many different sections of the UCC that explains how the promissory note is legal tender. What I found to be ironic was, even though Regions refused to apply my legal tender towards paying off our mortgage debt, they kept my promissory note, which is unlawful, because the promissory note is equivalent to cash money, based on what the banking dictionary says in the XXXX addition by XXXX XXXX XXXX ; which is, the definition of money is a promise to pay, or to owe, because it 's not backed by gold and silver anymore. When Regions mortgage kept my promissory note, it was the same as keeping someone 's cash money and refusing to apply it towards their debt, and that is very unlawful! Also in the UCC, it states that if legal tender is refused, then the debt is discharged ; and according to XXXX XXXX, I am a XXXX with the right to use promissory notes with the banks ; and last but not lease, the Federal US court of appeals ruled on title 31 USC 5118, as of XX/XX/1977, legal tender for discharge of debt is no longer required ; that is because, legal tender is not in circulation at par with promises to pay credit. Requirement of repayment of debt need only be made in equivalent kind ; a negotiable instrument, which is what a promissory note. Also, Regions kept XXXX of my promissory notes that I sent them.
Product: Debt collection

Constant repeated calls, inflated amount owed nearly doubled, offered settlement with no negotiation. Lost my job due to XXXX took 6 months to get unemployment check but they didnt want to hear that. Very rude.
Product: Debt collection

Around XX/XX/XXXX I received a collection notice from I C Systems for service with XXXX XXXX. When I contacted them I was told this was for service XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Service dates : XX/XX/XXXX through XX/XX/XXXX. Email address used was XXXX. Total due is {$600.00} A couple of day later I received a call from XXXX XXXX XXXX. 
It was for a credit collection for XXXX XXXX  address was XXXX XXXX XXXX # XXXX, XXXX, TX XXXX. Service dates were XX/XX/XXXX through XX/XX/XXXX. Emailed address used was XXXX. Total due is {$840.00}.
Product: Credit card or prepaid card

I NEVER OPENED A CAPITAL ONE CREDIT CARD AND THERE IS ONE SHOWING UP ON MY CREDIT REPORT AS LATE I DID NOT OPEN THIS ACCOUNT THIS IS NIT MINE
Product: Credit reporting or other personal consumer reports

Macys/CBNA put a hard inquiry on my report without my knowledge or consent. I have opted out of all authorization and the company is still illegally reporting on my credit report. 15 USC 6802b PERMISSABLE PURPOSES