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 the consumer financial protection act ( cfpa ). Specifically cash app failed to take effective measures to prevent 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 the error resolution requirements under the electronic fund transfer act ( efta ) and regulations E. These acts has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XX/XX/XXXX ACCOUNT # XXXX XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX : XXXX, XXXX, XXXX This letter is to formally request that you cease and desist from reporting false late payment information to credit bureaus and other reporting agencies. It has come to my attention that you have inaccurately marked my account as being late on payments, which has had a negative impact on our credit score.

I demand removal of this late payment. I demand you to furnish evidence that your reporting mechanism is not defaulted or there is no default in your reporting mechanism. It is an unfair act for late payments to be reported. It is a violation of the law, invasion of privacy, Pursuant to 16 CFR 444.4 It is an Unfair act of practice. 
Pursuant to FDCPA Late payments must be verified/ validated prior to them being placed on a consumers report. Please furnish evidence and proof not statements on how you verified the late debt. Statements are hearsay in the court of law.

Who did you speak to?

License number?

Systems have outages all of the time. Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the reporting mechanism. It is alleged until it can be proven. With no supporting evidence it must come off the report.

Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) We trust that you will rectify this mistake promptly and ensure that our credit report reflects accurate and up-to-date information moving forward. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to TranSUnion they are reporting me as a deceased.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing this formal complaint regarding significant inaccuracies and procedural violations in the reporting of several accounts on my XXXX credit report. Despite multiple disputes, these issues remain unresolved. The accounts in question include : XXXX. XXXX  XXXX ( Account Charged Off ) : Balance : {$240.00} Discharged via 1099-C ; reported as income. It is no longer valid debt but continues to be reported as a charge-off, violating 15 U.S.C. 1681e ( b ) ( accuracy requirements ). 
2. XXXX XXXX ( Two Accounts Charged Off ) : Account 1 : {$1300.00} charged off.

Account 2 : {$450.00} charged off. 
Both debts were discharged via 1099-C and should not appear as charge-offs. Reporting these accounts as active debts is inaccurate and misleading. 
3. XXXX ( Account Charged Off ) : Balance : {$2100.00} This account has been written off and discharged but remains reported inaccurately as a charge-off. 
4. XXXX XXXX XXXX ( Collection Account ) : Balance : {$450.00} This collection account is invalid. I dispute the chain of custody, ownership, and permissible purpose under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g. 

Key Issues : 1. XXXX  Failure to Correct Inaccuracies : XXXX has failed to meet its obligatio

n under 15 U.S.C. 1681i ( a ) to investigate disputes and correct inaccurate information. 2. Procedural Violations by Creditors and Collectors : Creditors and XXXX XXXX XXXX have failed to validate debts, comply with dispute requirements, and accurately report account statuses. 
3. 1099-C Discharge : Accounts discharged and reported as income to the IRS via 1099-C can not legally remain on credit reports as active debts or charge-offs. 

Requested Resolution : 1. Immediate deletion of the following accounts : XXXX  XXXX XXXX XXXX ( both accounts ) XXXXXXXX XXXX XXXX  XXXX ( collection account ) 2. Confirmation that XXXX and the furnishers are complying with 15 U.S.C. 1681e ( b ), ensuring maximum possible accuracy. 
3. Compensation for damages caused by willful noncompliance, if applicable under 15 U.S.C. 1681n. 

I trust the CFPB will address these issues promptly and ensure compliance with federal laws. Please find enclosed copies of my disputes, credit report highlights, and supporting documentation for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is not reporting that I have a revolving installment secured XXXX XXXX. I want this problem corrected so that my credit score will reflect as much.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this letter finds you well. I am writing to raise an important issue that pertains to the Fair Credit Reporting Act ( FCRA ). 

Under the provisions of the FCRA, specifically 15 USC 1681 section 602 a, there exists a crucial need to ensure that consumer reporting agencies, such as XXXX and XXXX, fulfill their obligations with utmost fairness, impartiality, and respect for consumers ' right to privacy. 

However, it has come to my attention that certain actions undertaken by these consumer reporting agencies may be in violation of the aforementioned principles. This is deeply concerning and raises questions about their commitment to upholding the rights of consumers. 

Given the importance of consumer reporting agencies in maintaining accurate credit information and protecting individuals ' privacy, it is crucial that appropriate measures are taken to address any potential breaches or misconduct. 

I kindly request that you thoroughly investigate the practices of XXXX and XXXX to ensure compliance with the FCRA. It is imperative that these companies fulfill their responsibilities in a manner that prioritizes the rights and interests of consumers. 

I appreciate your attention to this matter and your efforts in holding consumer reporting agencies accountable. I trust that you will take the necessary steps to address these concerns and maintain the integrity of the credit reporting system. 

I am writing to bring to your attention a matter of utmost concern, which involves a violation of the law. 

As per the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s2 ( A ) ( 1 ), it is unlawful for any person to provide inaccurate information about a consumer to any consumer reporting agency, if they have
Product: Checking or savings account

Between XX/XX/XXXX-XX/XX/2021 my account charged with XXXX $ worth of transactions to some company I've never heard of. I even contacted the company XXXX  and they said the account was under a woman 's name. And did not match my name. I alerted current through chat support and on the XXXX. XXXX th and they told me to wait until the charges posted as they were still pending. So in the XX/XX/XXXX th I contacted support via chat and opened a dispute. 4 days later I got a email saying the dispute was closed and did not get approved. I've sent emails to them to ask what happened and why this is not approved. No response whatsoever. If they would have done any type of investigation they would have found out what I did. That who ever used my card made an account under their name and used it. That right there is enough proof tho approve my claim. That tells me they didn't even do any investigation at all and just denied my claim.
Product: Credit reporting

I have disputed all inquiries on my credit report and Experian has failed to provide me within the time frame allowed ( 30 days per FCRA ) any updates on these inquiries that were not made by me.
Product: Credit reporting, credit repair services, 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  Account Number # XXXX XXXX XXXX XXXX  Account Number # XXXX XXXX Account Number # XXXX XXXX XXXXXXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account XXXX # XXXX XXXX XXXX  Account Number # XXXX XXXX XXXX XXXX Account Number # xxxxxxxxxxxx XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXXXXXX, XXXX Account Number # XXXX XXXX  XXXX XXXX XXXX XXXX Account 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.
Product: Mortgage

My mortgage loan was sold from XXXX XXXX/ XXXX in XX/XX/XXXX to PHH mortgage ( part of OCWEN Financial ).  Since they took over the sub-servicing of my mortgage they have caused me two serious problems : 1 ) finding my XXXX Payment and applying to the new account ( this was resolved but took almost 2 months to do so ). 
2 ) Have caused me to be delinquent in my XXXX 2nd half real estate tax payment to my county treasurer because of their mismanagement of my escrow account. 
Per the 2nd issue I have been interacting with them since XX/XX/XXXX after receiving a delinquent tax notice from my County treasurer 's office on my home. I sent them a letter along with the original delinquency notice AS WELL as a copy of my official county tax notice to their Florida address as advised by one of their customer service people whom I spoke with on the phone. I did not have it sent certified but I did send it with a tracking notice to verify its delivery. Since then I have made multiple phone calls with their customer service people as well as my county treasure ( who as of XX/XX/XXXX has not received any correspondence or payment from them what so ever ).

The last I heard from PHH was on XXXX that they were going to have it resolved by XXXX and were going to call me to let me know they had finally tracked their supposed escrow payment and resolved it with my treasure 's office. I never heard from them on XXXX and I know my treasure 's office is closed because they only work 4-10 's M-TH of each week. 
I am absolutely flabbergasted and disgusted at the poor quality of service by this company. It should not take two months to resolve a mortgage payment or escrow account issue. I may have to go in and physically pay the tax and interest just to keep off the public record Tax Lien list which will be published in XXXX for my county!!! 
My escrow account is current and I have documentation that they claim they paid the XXXX half from XXXX on my escrow statement but XXXX XXXX does not have it per their records!! 
I have no confidence in this company and I am beginning to think that they are not above board in their business dealings. Its seems to me they are up to the same old mismanagement tricks from XXXX when they got caught by CFPB. 
I had no choice in them becoming my loan servicer/owner and it scares me that a perfectly good mortgagee who has always made their payments on time and works to have good credit can be subjected to this treatment. 
HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I was in an XXXX XXXX XXXX, who was driving. The police and ambulance were called, and my grandmother was transported to the hospital in an ambulance, while I road to the hospital in the car of a relative who arrived on the scene. However, for the last 4 years I have had an item on my credit report from XXXX XXXX XXXX for {$500.00} due to me being billed for riding in the ambulance with my grandmother. I never rode in the ambulance, which is what the {$500.00} bill is for. I most recently contacted the original creditor ( XXXX XXXX XXXX XXXX ) in XX/XX/XXXX, and was told to contact my grandmother 's auto-insurance company to pay the bill, despite me not receiving the services for which the bill is for. It would be in violation of FCRA 623 ( a ) ( 1 ) ( B ) if this information continues to be reported. Furthermore, there are 0 sections in the FCRA that prohibit deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Send 3 letters to XXXX, Equifax, and XXXX XXXX On my Credit report there was 4 name on it that wasn't mine and a social security number that was not mine. Wrong phone Numbers. XXXX XX/XX/18 XXXX XX/XX/18 XXXX XX/XX/18 XXXX XX/XX/18 XXXX XX/XX/18 XXXX XX/XX/18 XXXX XX/XX/18 XXXX XX/XX/18 XXXX XX/XX/18 XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XX/XX/18 XXXX XX/XX/18
Product: Credit reporting, credit repair services, or other personal consumer reports

Southwest Credit Systems is reporting a collections on an account that was opened XXXX. The amount reported is {$180.00}. 

I asked them to verify this - sent them a letter in XXXX. 

I filed a complaint with XXXX- they researched and removed the reported account from my XXXX credit report. 

XXXX XXXX XXXX have not. 

I DID NOT OPEN ANY ACCOUNT IN XX/XX/2023. I do not owe {$180.00} but they refuse to verify the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was involved in a security breach. I received no notification about this until it came out in news reports, but my information appears to have been compromised according to a website they put up on XXXX XXXX, 2017. The amount of personal information they possess can be used to destroy someones finances.
Product: Credit card or prepaid card

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that SUNTRUST BANK has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Debt collection

Got repeated calls over the years about an XXXX bill from XX/XX/1981 at my brother 's phone in XXXX, FL which used to be my old phone number. So I called them at XXXX. They claim I have a {$570.00} debt from a phone bill in XX/XX/1981 from XXXX. They have been calling me and my brother every day since then. They even call him at work. I have not seen any documentation or any bills from this company. Just keep getting repeated calls from out of the blue.
Product: Mortgage

On XX/XX/XXXX, I sent to XXXX XXXX what he asked for a no doc loan application for a cash out refinance on a property my company, XXXX XXXX XXXX owns outright. I was then sent to sign up for my own portal in order to upload those same documents I had already submitted. In that portal was a request for my personal bank statements which was not expected. That was one of the first questions I had asked ; if I had to guarantee the loan. Asking for my personal bank statements when my personal guarantee was not required, per XXXX XXXX, seemed suspicious to me. I vocalized my concern with XXXX XXXX, the president of the company who had taken over my application. I emailed him how I felt about this, and about another requirement I had a problem with ; a blind credit card authorization for the appraisal charge. He called me to tell me that he would have the bank representative call me. When the bank representative called he said my personal bank statements were not necessary, and he also assured me he would call to tell me how much the appraisal would cost before the charge would be made. I sent in the authorization and after that heard nothing. 
I sent an email on XX/XX/XXXX and did not get a response. On XX/XX/2021, I sent another email and finally this time XXXX XXXX responded. He said he had decided not to do the loan because I was " rude ''. Because I questioned the blind authorization and responded with an email voicing my concerns about XXXX profiling for loans when this is a reality, I was " rude '' to him. But that is not even why I have a complaint. My complaint is that if he decided not to do the loan, he should have let me know instead of letting me wait all this time thinking he was considering the application. I could have applied elsewhere instead of waiting for an answer from First Capital XXXX. My complaint also has to do with the false information provided to me about not having to guarantee personally. Had they been transparent and told me I would have had to guarantee the loan personally I would not have proceeded with the application. My complaint is that he committed fraud when he requested more documents from me when he had no intention on doing the loan by then. My complaint is that I was discriminated against because I am both a female, and a minority. His decision not to do the loan is a result of discrimination, and not because I was " rude ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are require to remove any item which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX BANK XXXX Date opened XX/XX/XXXX Balance {$0.00} ; CHILD SUPPORT XXXX XXXX Date opened XX/XX/XXXX Balance {$28000.00} ; CHILDSUPPORT XXXX Balance {$28000.00} ; Bankruptcy XXXX XXXX-dismissed US BKPT CT XXXX XXXX XXXX Filed on XX/XX/XXXX Reference number : XXXX ; Bankruptcy XXXX XXXXXXXX US BKPT CT XXXX XXXX  Filed on XX/XX/XXXX Reference number : XXXX ; XXXX XXXX : Bankruptcy Filed on XX/XX/XXXX Reference number : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit card

I have a self XXXX credit card account I only use the account to pay bills and to buy my things at XXXX I have XXXX XXXX XXXX XXXX  years worth of statements to prove this this is my second account with them in XXXX years anyway XX/XX/XXXX I was awoken to a fraud alert which I immediately called my card company and in that process canceled that card and had another XXXX shipped to me it was XXXX online purchases to XXXX XXXX which I'm not a drug addict I don't buy things like that never have never will and all my credit card statements for XXXX XXXX XXXX XXXX years show that I can not obviously get the account for the XXXXXXXX XXXX XXXX XXXX years before that anyway I even offered to take a state blood test to prove that I don't take these items and at that time my credit card company did hold or suspend that payment I received my new card in the mail on XX/XX/XXXX the very next day the XXXX payments from the XXXX XXXX was posted to my account causing me to go negative on my credit XXXX account I immediately called the company again and they said that they verified with the company that I had made to purchase my town has had XXXX and XXXX of news reports and things on credit card skimming from XXXX and other places and I told these people that I did not make that and they should know I've been with them for 5 years and nowhere on any of my statements does it show any kind of activity like that and that I would show them proof with a blood test from the police department or anywhere they said the merchant proved that I made it by giving my information and they will not suspend this transaction while they are looking into it again I tried to call the company that it says I was billed to and in XXXX the name it brought up over XXXX phone numbers I started calling them out of the first XXXX that I called only XXXX of them were actual numbers which I left voicemails at but of course no response I even asked my financial institute self for the information that they had to get a hold of those people they would not give me that information and then they say they've sent a mail out to me for closing out the first time I have received no case numbers to check on or anything about this and no help from my institution that I've had for XXXX years I can not afford {$200.00} in fraudulent charges on my account right now I can't even pay my bills because my account is in the negative which everything that I've read says if there's a dispute they must suspend that amount until the dispute is over with anywhere from XXXX to XXXX days