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

I am filing a complaint against cashapp ( Block inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ).

Specifically cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving me and more U.S citizens or any who used the app accounts vulnerable and unprotected. Furthermore their dispute resolution process was unfair they did not comply with error resolution requirements under the ( EFTA ) and regulation E. With the inconvenience of these actions and them knowing Ive experienced financial loss and have been sent emails before on my data being compromised after being provided with customer service help. I seek professional assistance and appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed in   XXXX   XXXX   that a hard Inquiry was made for a chase bank credit card that I had NOT solicited. I have already called bank various occasions, complained about it, they checked, verified that whoever did solicited a credit card was not me, said they would report to credit burea u (   XXXX ,  XXXX ,  XXXX , but nothing has change. That was  XXXX   XXXX . But already it had happened before on  XXXX   XXXX .   II always tell Chase to write down that I have not and will ot apply for a credit card with them, whoever does will NOT be me.
It never is taken off my credit report. I did NOT solicited a credit card with Chase Bank.
Please help me out here.
Product: Debt collection

Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall permitting XXXX XXXX to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows.
Product: Mortgage

I closed my escrow account in XX/XX/XXXX. The reason for closing was because ai was not given an itemized receipt of what my escrow account was paying for and what was being transferred after paying my taxes and home owners insurance. 
I was not allowed to pay my home insurance, so I requested to reopen my escrow account XX/XX/XXXX. O did not receive a call or any communication via there portal, so I asked again XX/XX/XXXX. I called XX/XX/XXXX to reopen my escrow account and paid {$8000.00} into it. Freedom mortgage paid my taxes and escrow last year XXXX, so there was not an issue so I thought. I received a letter that they were not paid I sent another message XX/XX/XXXX letting them know I received a letter that my taxes were not paid. They replied XX/XX/XXXX that I dont have an escrow account it was closed in XX/XX/XXXX, so they applied to my principal ( without my permission or approval ). Then they sent another message saying they sent me a do umber in the mail to get a declaration page. The letter is dated XX/XX/XXXX. I did not receive this letter and i called XX/XX/XXXX. This does not add up. They tried to refinance my loan ( XXXX XXXX ) and told me it shows my taxes and insurance were paid. That was a lie. I requested they send my {$8000.00} back so I can pay my taxes and home owners insurance XX/XX/XXXX. I called spoke to several agents saying I would receive my money back. I inquired again on XX/XX/XXXX about the return of my funds. XX/XX/XXXX they are asking for my routing number to ensure the funds are sent to the right account. I sent them the information the banking information the same day. I received a letter that I will have to pay all these fees for my taxes being late today XXXX XXXX, XXXX. I call again. I was on hold for a long period of time. XXXX XXXX XXXX asked the same questions, said she was confused. Asked me several time did I submit in writing ( which is available on there portal ). I explained the severity of me needing my money back and they still have to ask for approval. I am beyond frustrated with how neglectful they are handling large sums of money. I do not feel as though my loan is safe with them or being handled properly.
Product: Vehicle loan or lease

To Whom It May Concern:I have a lease account for a XXXX XXXX  XXXX XXXX XXXX  with Chase Bank. My lease payment increased by $XXXX due to a state tax rate increase. Unfortunately, this increase was not reflected on my autopay so my automatic payment did not reflect the new amount due. This resulted in a late payment being reported to the credit bureaus. This mark lowered my score by over 100 points and has severely impacted my ability to obtain credit with Chase or any other lenders for my personal and business matters.The monthly payment is over $1,200 and I have paid on time every month for over 2 years. This has been setup on Chase's autopay and I believed that the autopay operated in the same fashion as my other accounts (gas, electric, phone, etc) where the auto payment amount would pay the amount due. I regret that this has happened and it was certainly not due to my inability to pay.I sent this information to Chase and they have acknowledged the confusing nature of their autopayment system but have refused to remove the derogatory mark on my credit report. I am hoping that you can assist me with this matter.Thank you in advance for your consideration. Please let me know if I can provide any other information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX {$29000.00} XXXX   XXXX {$7600.00} XXXX  XXXX {$300.00} XXXX XXXX XXXX XXXX {$460.00}
Product: Debt collection

I have no contract with transworld systems. I believe the information they have is inaccurate. This debt is invalid and should not be reporting to my credit reports. It needs to be removed immediately
Product: Student loan

I signed up for school, spoke with the counselors and they told me that being that I was a convicted felon informed me that I would not be able to gain employment due to may criminal record. I never attended any classes. I just signed the papers.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Blley Act ( GLBA ) to opt out of such information sharing. and I believe my privacy rights have been violated On XX/XX/year>, I notified XXXX XXXX that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 
I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 , and I have retained documentation of my communication with the institution. 
Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that XXXX XXXX has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 
This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing, including the potential for identity theft, fraud, or other financial harm.. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that XXXX XXXX complies with all federal regulations and laws, including the GLBA, to protect the privacy and information security of consumers ke me. 
Additionally, I would appreciate regular updates on the progress of this investigation and any actions taken to address the violations committed by XXXX XXXX. 
Please feel free to contact me if you require any further information or documentation to proceed with the investigation. I am committed to cooperating fully with your office to resolve this matter and to protect my privacy rights.
Product: Credit reporting or other personal consumer reports

Inaccurate late payments XXXX. XXXX other 120days these are closed accounts so they cant change them. The collection actually just have 120days not 30 or 60 days only 120days. XXXX XXXX has XXXX & XXXXXXXX XXXX XXXXXXXX XXXX XXXX was reopened thats a violation. I want too see original documentation from these accounts in XXXX, I circle all these inaccurate things on these reports. Need fixed or deleted many inaccurate items i XXXX XXXX XXXXXXXX XXXX XXXX HAS TWO NAMES ONLY POSE TO HAVE ONE THATS inaccurate. Payment history been re-aged PLEASE DELETE MY WISHES PAYMENT STATUS NOT CORRECT CAUSE PAYMENT HISTORY DONT HAVE LATE PAYMENTS
Product: Credit card or prepaid card

On XX/XX/2017, I requested from XXXX a cash advance of {$5000.00} in response to a promotion. The cash advance was to go to my XXXX card. I realized right after I submitted it that I had a typo in the address for XXXX. I immediately called the customer service number for XXXX and explained my error. The representative said she would cancel the transfer. I asked if I should go ahead and submit the balance transfer again and was told, yes, I should submit another transfer. On XX/XX/2017, XXXX sent me a letter telling me that they received my request cancel the balance transfer, but payment can not be stopped because the amount had already been paid and transferred to XXXX. In addition, a second balance transfer for {$5000.00} was completed and paid to XXXX. This contradicts the instructions I was given when I called customer service. I would never have submitted the request a second time if I had not been told that the first one would be canceled. Now, instead of owing XXXX {$5000.00}, I owe them {$10000.00}. I called XXXX  again on XX/XX/2017, and was told there is nothing they can do and that I need to have XXXX refund the overpayment.
Product: Credit card

On XX/XX/XXXX I ordered jeans and white shirts from XXXX XXXX with a total of {$320.00} and it says it was delivered but when I check my camera footage no package came and when they sent a picture of the porch it was deliver it wasnt my porch I put the order number in the picture below And also another picture of company telling me to dispute the charge
Product: Checking or savings account

I opened my Adv Plus Banking checking account on XX/XX/2019 and received a letter ( see attached ) dated XX/XX/2019 confirming that I will receive a bonus of {$300.00} within 60 days of meeting the requirement : set up and receive Qualifying Direct Deposits equaling a total of {$4000.00} or more in your new personal checking account within 90 days from account opening. I received {$2000.00} direct deposit from my employer XXXX and XXXX on XX/XX/XXXX, and another {$2000.00} on XX/XX/XXXX. I have received {$250.00} direct deposit from them every month since, with a total sum far exceeding the requirements. Again this is not an ACH, but a direct deposit. It's not XXXX and I still have not seem the bonus post.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance Owed : {$0.00} Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Most recently, I received a letter from Synchrony datedXX/XX/XXXX, indicating that my request for a credit line increase could not be approved and directed me to contact XXXX for further details. Alarmed, my wife immediately called your consumer service ( XXXX ) on XX/XX/XXXX and spoke with XXXX. She than transferred the call to your Fraud Dept. where she spoke with XXXX. XXXX assured her that a block would be placed on the account to prevent further activity until I called. 

I then called the following day, XX/XX/XXXX and spoke with XXXX. XXXX indicated that the account had been closed. My wife called again XX/XX/XXXX to clarify the conflicting information. She spoke with XXXX who informed her that the account was in fact on hold and not closed. She assured my wife that I would receive a letter once the investigation was complete. 

On XX/XX/XXXX, I received a letter dated XX/XX/XXXX further assuring me that, In order to protect the security and privacy of [ my ] account [ Synchrony would ] not allow any further charges on the account We were SHOCKED to receive a statement with a closing date of XX/XX/XXXX which shows a balance of {$4600.00}. Further, it reflects a transaction dated XX/XX/XXXX for {$3900.00}!
Product: Mortgage

Good morning, Due to employment loss, I need to catch up to five payments on my loan. I gain employment in XXXX. XXXX, 2023, and ask in XXXX for a forbearance period so I can resume making payments on my home loan. I intend to keep the home and would like to continue my monthly payment. I received a denial forbearance letter from the bank informing me the flex modification doesn't meet the necessary seasoning requirements.
Product: Credit card or prepaid card

Last month my acco unt with First Progress wa s frozen due to my mail being returned back to them because the post office placed my mail in the wrong mail box. Because of this my account was frozen and I was unable to make a payment on my account until they resolved issue and unfroze account. Once they unfroze account I made a payment but it was already to late they reported my account late to credit bureaus. I called and spoke to customer service and they told me to write a letter in to correspondence office and they would take care of issue. So I did that but correspondence office says it is not their fault so they will not remove. The issue is not my fault either because FIRST PROGRESS froze my account I couldnt make payment. How is that my fault? They should not have froze my account.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( Equifax ) credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am filing this FTC Identity Theft Affidavit to report one fraudulent accounts appearing on my consumer XXXX  Equifax credit report, which I do not recognize as reported and which are the result of identity theft and fraud. This fraudulent account consists of a credit card account opened at XXXX XXXX  on XX/XX/year> under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Debt collection

I am writing to file a formal complaint regarding egregious violations of consumer protection laws by Columbia Debt Recovery , LLC, doing business as Genesis. The actions of this agency have not only contravened the XXXX XXXX XXXX but also misrepresented and misled me regarding an alleged debt, resulting in severe consequences for my financial well-being. 

The debt in question pertains to a rental lease for XXXX  XXXX at XXXX XXXX XXXX XXXX. However, despite repeated requests for validation, Columbia Debt Recovery , LLC, provided a copy of a signed lease for XXXX XXXX, not XXXX. This discrepancy misrepresents the nature and extent of the debt owed, raising serious concerns about the accuracy and legitimacy of their claims. 

Additionally, Columbia Debt Recovery , LLC, has violated Sec. 392.303 and Sec. 392.304 of the XXXX XXXX XXXX by attempting to collect interest and additional charges that were neither authorized by the original agreement nor legally chargeable to me as the consumer. Despite my disputes and requests for clarification, they have failed to provide any evidence of the validity or legality of these charges.

Moreover, Columbia Debt Recovery , LLC, has contravened federal laws, including 15 U.S. Code 1692f ( 1 ), by attempting to collect amounts not expressly authorized by the agreement creating the debt or permitted by law. Additionally, they have violated 15 U.S. Code 1692j by furnishing deceptive forms that create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

Furthermore, Columbia Debt Recovery , LLC, failed to inform the credit reporting agencies of the dispute regarding the alleged debt, as required by law. This failure to accurately report the disputed status of the account violates fair debt collection practices and undermines my rights as a consumer to dispute inaccuracies on my credit report. 

As a direct result of Columbia Debt Recovery, LLC 's deceptive practices, I have been denied credit opportunities and suffered significant damage to my financial reputation. These actions have caused undue stress, confusion, and financial hardship. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to hold Columbia Debt Recovery, LLC, accountable for their violations of consumer protection laws, both federal and state.
Product: Credit reporting or other personal consumer reports

My report has been used without my consent. My report is currently frozen and someone has been attempting to open accounts under my name.I need these inquiries to be removed as soon as possible and they are a hindrance in my life. Please see there is also a company that shows on my report that I believe is the one using my credit. The company name is XXXX XXXX XXXX XXXX. Also the social security showing in the credit reporting agencies is not mine either. If these inquiries are not removed, I need supporting documentation from you as to why not so I can take legal action. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

On XXXX I received a call from client who had retirement check drawn on Bank of America were I banked at I asked teller what was the best way to transact where funds would not be placed on hold. She gave us procedure and we followed it. On XXXX both myself and the client went to BofA. She cashed, then deposite funds in his account then moved {$10000.00} to my account. On XXXX we both woke to a XXXX in your accounts. Called the bank they indicated account was closed because of risk factors. On XXXX client informed me that BofA allowed him to pick up funds at a local branch. I called on XXXX and made same request. BofA indicated that my account would be closed on XXXX and I may be able to pick up funds on XXXX I called account closure extended to, I called on XXXX, closure extended to XXXX, they finally indicated they were waiting on a client XXXX XXXX to respond to investigation. He did got another closure date, then another, then another approximately 6 different dates. On XXXX they indicated account was closing again and call in XXXX to make sure check was cut and mailed. I called and they said it has now been extended to XX/XX/XXXX. This is unexceptable and they are holding over {$100000.00} and have almost put me out of business. Could you please help them to release my money. They never give any reason for the holdbexcept according to your terms we can. There is no reason for the hold. Please help.
Product: Credit card

My mother, who passed away last XXXX, had a credit card that has been placing negative marks on my credit reports. I never signed any contract with the credit card company or received any kind of bill from them. I wrote to them XXXX 2015 to ask them to remove my name and stop reporting negative credit and remove any negative remarks off my report. They have continued to report negatively on my credit report. This is effecting my status with other credit card companies as well as my credit score.