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 Fu
nd 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 work XXXX hours a week. After public transportation costs and taxes, I TAKE HOME half of what I make. When the bank removes the indefensible {$110.00} dollars in fees for the bank policy, infringement of less than {$1.00} ( or MAYBE just over that - I can not tell ) and after paying for winter heat - this is when my account hits XXXX cents which, is the total sum it resides at now. 
I will not be able to get to work as paying the train fee of {$21.00} a day - is now, impossible. 
I 'm sure banks have a renewed sense of delight over the new president whom is set to roll back any moral, ethical ( Dodd.Frank ) or even HUMAN sense of offering banking services to anyone except the ultra-rich/1 % or people to busy grinding out a life in this country to fight with banks each month or each fee. XXXX help us and CFPB.
Product: Mortgage

TD Bank received our XX/XX/2019 mortgage payment of {$2700.00} on XX/XX/XXXX. However, it did not credit it against our mortgage because the escrow amount had been increased. Considering it a partial payment, TD Bank did not credit any of it to our account. 
The notice of escrow increase was sent to an old address, so we missed it. 
We did not know of the bank 's failure to credit the payment until XXXX, when a credit change notification arrive in my wife 's email box. Her credit score dropped by 60 points because of a delinquent mortgage payment.

We called TD bank, and were told that they don't accept partial payments. I tried to explain that the bank had received its full mortgage principal and interest payment, which had not changed, but was short on the escrow, an account paid in advance by the way. The call center operator suggested I write the bank. I did. The bank took four paragraphs to say it had done nothing wrong. I beg to differ. As I said, the mortgage principal and interest amount did not change. And it was paid on time. A late, advanced escrow payment should not qualify for reporting a consumer late to a credit agency. This is outrageous behavior. And, TD had the nerve to charge us a {$67.00} late feel.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
It has been 30 days and you are in XXXX of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in XXXX!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

XXXX XXXX loan does not appear on all 3 reports Inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hunter Warfield Inc add a derogatory mark on my credit report per XXXX XXXX. upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. also, there was No written form communication, contract, or signature for this accused debt at all. a bill without a signature does not validate the debt and anyone can send a bill and say its mines. according to the FCRA, Hunter Warfield Inc has violated my rights as a consumer and im requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXX in 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 XXXX XXXX XXXX XXXX XXXX I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Student loan

I paid off my x wifes XXXX loan in XXXX of 2012 thru a settlement with a company called XXXX. Now a company called Navient is showing that the money is still owed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute certain inaccurate information that is appearing on my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ), specifically under Section 611 ( a ) ( 1 ), Section 611 ( a ) ( 2 ), Section 611 ( a ) ( 5 ), Section 611 ( a ) ( 6 ), and Section 611 ( b ). Upon careful review, I have identified multiple inaccuracies in the reported account information. I kindly request a thorough investigation to rectify these errors, permanently delete the accounts from my credit report, refrain from selling this inaccurate information, and ensure its removal from any secondary credit bureaus.
Product: Mortgage

This is a continuation of complaint XXXX. Amerihome after not responding to my phone calls placed my home into the foreclosure process at the end of XX/XX/2022. Prior to getting a foreclosure notice I submitted documentation to Amerihome for a loan modification. Once I got the foreclosure notice from the lawyer I immediately applied for the XXXX XXXX XXXX XXXX XXXX since I fell behind on payments due to XXXX. Both the law firm and Amerihome confirmed that foreclosure proceedings have been halted. With that in mind, I want written confirmation that I will not have any negative credit reporting during this time period. Amerihome has been unwilling to accept my mortgage payments, and negative credit reporting would both be unfair and detrimental considering my payments wont be accepted. I've included the XXXX  confirmation letter for reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried many times to place a credit security freeze online at Equifax. I put in all the correct information ( I have no XXXX or XXXX, XXXX, etc after my name ). After entering all the required information correctly, the website reports the folllowing : " Additional Information Required We 're sorry ... we can not process your online request concerning an Equifax security freeze. To assist us in processing your request please submit in writing the required items outlined below. 

For all security freeze requests please submit the following ID information : your complete name including any suffix ( e.g. XXXX, XXXX, etc. ), complete address, Social Security number and date of birth. 

For the Placement of a security freeze, please provide the above required personal ID information. 

To temporarily lift a security freeze, you must submit all of the following along with the required personal ID information : - 10-digit personal identification number ( PIN ) - Date range ( e.g.XX/XX/XXXX - XX/XX/XXXX ) or proper information regarding the third party ( ies ) to receive your credit file ( e.g. XXXX ) To permanently remove a security freeze, you must submit all of the following along with the required personal ID information : - 10-digit personal identification number ( PIN ) - Two ( 2 ) forms of identification ( eg.Pay stub with address and utility bill ) Please return your required personal ID information along with any additionally required information noted above to : Equifax Information Services XXXX XXXX XXXX GA XXXX Please include payment by check or major credit card for the appropriate fees. For XXXX, XXXX, XXXX or XXXX XXXX payment, please include your name as it appears on the card, the card number and the expiration date. Please click here for the fees associated with your state 's security freeze. 

We will provide you with written confirmation of the successful completion of your security freeze request. 

To make a security freeze request with the other national consumer credit reporting agencies, please contact XXXX and XXXX : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, TX XXXX ( XXXX ) XXXX ( XXXX ) XXXX Thank you, Equifax Information Services LLC " XXXX and XXXX allows me to do this on-line. This demand of performing a freeze request by mail is an undue burden and obstacle put in place to deter the consumer from doing what is his/her legal right. XXXX only wants to continue profiting off information about the consumer, to the consumer 's detriment. XXXX can not be trusted with distributing my information securely nor admitting failure to do so in a timely manner to enable me to protect myself from identity theft. 

Why is n't there regulation against this?
Product: Credit reporting or other personal consumer reports

I need the method of verification and discrimination of procedure. I need all of the information retrieved during your investigation that proves this information is correct. I need this provided to me within 15 days and if you cant, it must be deleted. This method is of verification 15 USC1681i ( a ) ( 6 ) ( B ) ( iii ).

According to the FCRA section 605B it is illegal to report anything on my credit report without my permission. Please remove this negative item.
Product: Debt collection

Us bank {$1400.00} date account was fraudulently opened XX/XX/XXXX I reported this account a fraudulent account to the creditors and they refuse to take this off my credit damaging my credit after I reported this to the creditor multiple times 2. XXXX XXXX XXXX {$1500.00} date opened XX/XX/XXXX I reported to the credit that I didnt I have a car to open a maintenance account and told them that I was a victim of identity theft and that my info was stolen and XX/XX/XXXX/XX/XX/XXXX and the creditor insists on reporting this on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, XX/XX/2020, XX/XX/2020 and myself or a debt repair agency has tirelessly disputed incorrect information on my credit report. In XX/XX/2020 I disputed a late payment with XXXX XXXX, the creditor agreed to waive the late fees which caused the balance and the account was left with a XXXX  balance. I have tried unsuccessfully to have the late payment removed from my credit report I even provided proof from the creditor that the changes were reversed. The account is still reporting negative on my credit report. I have disputed with all three credit bureaus and always come back as verified when disputed.
Product: Credit card or prepaid card

I filed a Dispute with Apple multiple times for might return flight to the U.S. from XXXX XXXX. 

The flight changes involved my first flight from XXXX to XXXX, which was originally scheduled for XXXX XXXX, and my second flight from XXXX to XXXX XXXX, initially scheduled for XXXX XXXX to XXXX XXXX. These changes created a significant conflict for me. When I reached out to XXXX XXXX employees at the airport, they informed me that I could cancel my flight by calling a specific number. 

However, when I called the number provided, I didn't receive a confirmation, but the representative assured me that I would receive a refund within 5 days. It's important to note that I made this call on the same day as my scheduled flight. 

This situation not only affected me but also impacted several other passengers. I spoke to 10 other individuals who were suffering from the same last-minute flight changes. Unfortunately, this is not the first time XXXX XXXX has made such changes, and it reflects poorly on their service. 

I also shared these screenshots with two members from Apple, as I sought assistance with the matter. This issue is of utmost seriousness, and I am deeply disappointed that the matter hasn't been thoroughly investigated despite the obvious evidence. 

During my last dispute with Apple, I informed them that I had spoken with the airline, XXXX, regarding the issue. The airline had taken my bank information, promising to process a refund. However, despite their assurance, I never received the refund from XXXX. 

In an effort to resolve this matter, I provided Apple with all the necessary information and screenshots of my conflicted flights. However, despite having this gathered evidence, Apple has said once again that I will be paying the mount of {$200.00} This is the information from my Dispute with Apple Credit Card. 
Disputed Transaction Dispute case number : XXXX Transaction date : XX/XX/2022 Merchant name : XXXX Disputed amount : {$200.00} Temporary credit : {$200.00}
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 
Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. This is a deprivation of my rights and a violation of my privacy, as well. This is a violation of 15 U.S. Code1681g ( a ) ( 5 ), 15 U.S. Code 1681b ( 2 ), and 15 U.S. Code 1681c-2 to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ 1k per violation, for unauthorized and fraudulent credit inquiries listed without my expressed written consent.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

EXPERIAN IS REPORTING A CHARGE-OFF THAT IS INACCURATE. 
DELETE XXXX XXXX CHARGE OFF Due to inaccuracies account number is not the same as XXXX OR XXXX Date opened is not the same as XXXX. XXXX is not reporting this charge off at all. XXXX have DELETED THIS CHARGE OFF. 
DELETE CHARGE-OFF IMMEDIATELY
Product: Credit reporting or other personal consumer reports

I have previously brought to XXXX XXXX and experian and XXXX attention the issue wherein generic validation letters are dispatched in response to disputes, rather than adhering to the requisite thorough investigation stipulated by the FCRA. This practice directly contravenes various sections of the FCRA, including but not limited to : Section 611 ( a ) ( 1 ) ( A ) : This provision mandates that consumer reporting agencies ( CRAs ) must engage in a reasonable reinvestigation to ascertain the accuracy of disputed information.

Section 611 ( a ) ( 5 ) ( A ) : This clause necessitates CRAs to promptly expunge or amend inaccurate, incomplete, or unverifiable information.

Section 611 ( a ) ( 7 ) : This particular section underscores that CRAs must furnish a written summary detailing the results of the reinvestigation to the consumer within XXXX business days of its completion. 

These accounts were the result of identity theft so of course the information matches mine, BUT I am not the one who agreed, open, or used this company. Account : XXXX {$26000.00} Account : XXXX {$16000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : XXXX5 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX EMPLOYERS : XXXX XXXX XXXX XXXX  ADDRESSES : XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX WA XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX COLLECTIONS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian NAMES : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX US DEPT ED XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX EMPLOYERS : XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXX XXXX, NC XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX DEPTEDXXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX  / XXXX Received a gift card with {$150.00} balance ; card states it must be " registered '' to use online or for mail order. Card states registration can be completed online but website provided ( see above ) is not functioning. Called number on card ( see above ) and verified the balance using the automated system. Registering the card requires calling and speaking to customer service representative. 

Customer service representative required me to repeat the 16-digit number five ( 5 ) times before acknowledging the balance / validity of the card. Customer service representative then stated I would need to send in hardcopy forms including photocopies of a government issued ID in order to register the card and use it online. When I said this requirement seemed unduly burdensome ( having to provide my personal information to use the product ) they refused any other option, refused for me to speak to a supervisor, and refused to give me their name. The customer service representative kept repeating the demand then hung up on me. 

Tried accessing the website and called the number on XX/XX/ 2023 between XXXXXXXX XXXX and XXXX XXXX EST. Internet searches suggest this is not an isolated incident. Effectively, the company appears to be artificially creating barriers to using the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXHIBIT A - herein annexed.
Personal information, page 25 of 26 of  XXXX  credit report number  XXXX , Date d   XXXX   XXXX  , 2017   showing   XXXX   XXXX   address with an Address identification number  XXXX  linked to   XXXX   XXXX   with the same address identification.
<P/>
On    XXXX   XXXX   , 2017,    XXXX  credit card representative and that persons supervisor,  XXXX , denied any   XXXX   XXXX   address in their records, therefore, they can not report such   XXXX   XXXX   to anyone.
<P/>
As a result, this   XXXX   XXXX   address must be removed from ALL credit reporting agencies.
<P/><P/><P/><P/>
EXHIBIT B - herein annexed.
Account in good standing page 20 of 26 showing   XXXX   XXXX   with the same Address identification number  XXXX  that establishes a link between PO BOX address and this credit grantor,   XXXX   XXXX  .
<P/>
On   XXXX   XXXX  ,  2017,   XXXX  credit card representative and that persons supervisor,  XXXX , denied any   XXXX   XXXX   address in their records, therefore, they can not report such   XXXX   XXXX   to anyone.
<P/>
As a result, this   XXXX   XXXX   address must be removed from ALL credit reporting agencies.
Product: Credit reporting or other personal consumer reports

XXXX XXXX charged off my accounts, did not send me a 1099C, is still attempting to collect on the accounts, and is reporting negatively to my credit reports.