23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate payment history reporting on all 3 credit reports for XXXX. Information reported differs ; XXXX   payment history shows last payment made on XX/XX/XXXX ( which is incorrect ) and paid as agreed through XX/XX/XXXX. XXXX  payment history shows scheduled payment of {$38.00} on a charge off account and paid as agreed through XX/XX/XXXX, which differs from XXXX. Equifax payment history shows paid as agreed through XX/XX/XXXX, but date of first delinquency of XX/XX/XXXX ; also account was sold but not noted on reporting. If reported accurately the information should be the same between all 3 bureaus. This was previously disputed, however, information reported remains the same.
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 Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. I have reported fraud charges on my cash app account, cash app denies me access to a refund.so i went in head an order a new cash app card that I paid for and cash app went a head and closed my account trying to say Im not who I say I am when I upload proof .I would like a refund for all reported charges.
Product: Credit card or prepaid card

I canceld my card ending XXXX back in XX/XX/XXXX because I lost it I knew I would be recieving another direct deposit shortly and would need a new card as soon as possible. So i paid the {$25.00} to have my new card expidited. I received new card X/XX/2017. I have been receiving my normal deposit up until XX/XX/XXXX when I was not able to take XXXX dollars out of my account. I found out the next morning when I was able to get a rep on the line that my old card was charged {$1000.00} My account went negative {$720.00} I was told to file a dispute and this would all be taken care of within a day or so because it was clearly a XXXX up on their end. However I 'm still waiting on my money they have taking 2 checks from me my phone just got cut off today I 'm a single mom of XXXX kids who father passed away 2 years ago. We have been struggling for a week as a result of this and the only thing netspend has done was make broken promises and tell me that they understand
Product: Debt collection

FNBC ( XXXX ) has called me at work and on my cell phone XXXX times back to back in XXXX day telling me I owe XXXX. I asked for a validation letter and the lady told me " I do n't need to do that, you know what you owe and you are a piece of XXXX for not paying it back. I will come to your house and scare the XXXX out of your kids and let them think I am killing you until you pay this back. '' She would not give me her name. I hung up after the threat and that 's when they started calling my job over and over.
Product: Credit reporting or other personal consumer reports

The account states I was 60 days delinquent however there is no record of a 30 day late payment status. How is that possible? It's not. I was never late. And all three credit bureaus ( Equifax, XXXX, and XXXX ) are all reporting something differently. 
The Fair Credit Reporting Act ( FCRA ) statesFurnishers of information ( e.g., creditors ) are required to report only information that is accurate and complete. They must take reasonable steps to ensure the data they provide to credit reporting agencies is correct. If a furnisher discovers that the information they reported is inaccurate or incomplete, they must promptly correct or delete it and notify all credit reporting agencies to which they provided the incorrect data. 
Please update this account on this date : XX/XX/year> to paid on time and never late. 
Thank you for your prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 ( Tuesday ) I called TransUnion three times requesting updates on a method of verification letter sent to the CRA. It was verified three times by the supervisors ( XXXX ) and other representatives that the letter was received dated on XX/XX/2019. The letter stated Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which provides that I may request a Method of Verification. A CRA shall provide to a consumer a description no later than 15 days after receiving a request. XX/XX/2019 will mark 15 days. As I was misinformed by a representative that it will take 30 days and she mistakenly said it was not in dispute or in re-investigation, after verifying that TransUnion received the letter, I immediately requested for the supervisors. Once I expressed my concerns with each supervisors and stated that I also submitted the letter to CFPB, they hung up on me three times. I requested to speak with the special handling department and they continue to refuse my refuse my request until the last I called. I spoke with XXXX in the Special Handling Department and again He verified that they did indeed receive my method of verification letter dated XX/XX/2019. I also explained that XX/XX/2019 is the last day to send my request and if they can NOT by law they have permanently delete the XXXX XXXX XXXX  account. And I expressed to XXXX that my letter was submitted to CFBP. Again, I was hung up on.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX makes it virtually impossible to cancel membership. They require you to call this number : XXXX - then they tell you to hold for 2 hours! How is this legal? You can sign up online - but you cant cancel your membership online.
Product: Credit reporting or other personal consumer reports

My consumer report shows accounts tied to identity theft that I never approved in writing or with a wet signature. I recently contacted you about this and now formally demand these accounts be blocked and removed from my report immediately. These false entries have caused me serious distress and misrepresent my credit history. If not fixed promptly, I'll take legal action to protect my rights. These fake items have stopped me from reaching key financial goals like buying a home and supporting my family.
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance in resolving a dispute concerning inaccurate information on my credit report. Despite my efforts to resolve this issue directly with the credit reporting agencies, I believe the inaccuracies have not been fully addressed according to the standards set forth by the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C.

1681i.

I am requesting that the CFPB oversee a procedural investigation into this matter to ensure compliance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires the credit reporting agencies to conduct a reasonable reinvestigation of the disputed information. Additionally, I ask that the results of this reinvestigation be pro
vided to me within 5 business days of its completion, as mandated by 15 U.S.C. 1681i ( a ) ( 6 ). If the investigation finds the disputed information to be inaccurate, incomplete, or unverifiable, I expect it to be deleted from my credit report as per 15 U.S.C. 1681i ( a ) ( 5 ).

I appreciate your attention to this matter and look forward to your guidance in ensuring that my rights under the FCRA are upheld.
Product: Credit reporting, credit repair services, or other personal consumer reports

The letter below is what I sent to XXXX requesting that they remove the unauthorized inquires from my report. They sent me back a response that said " The inquires listed on your credit report are a record of the companies that obtained your credit information ... .Your written authorization may not be required to constitute permissible purpose. Please note that your specific consent to the release of your credit information is not necessary for a permissible purpose to exist '' Furthermore, my request was not addressed by XXXX. Please investigate to have these items removed. Thank you, To Whom It May Concern : I reviewed a copy of my credit report and there are several unauthorized credit inquiries on me. I have listed the items below : XXXX XXXX XXXX on XX/XX/XXXX XXXX  XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact the companies listed above and investigate such occurrences. I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. If you have any questions or need additional information, please contact me at address listed below. Thank you. Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Consumer Loan

I applied on XXXX XXXX online at Argon 's Credit Website. I was offer an approval for 20 % interest/ APR. I signed the document via electronic signature and submit all documents the same day. As I went through there application process, they used XXXX XXXX XXXX Bank XXXX XXXX to scan peoples bank account activity for 90 days. It asked for my online banking credentials. Uncomfortable giving sensitive login information online, I gave them my past 60 day bank statement. During this time, I have been very patient with this company. They state approval and verification takes " 48 to 72 hours ''. It had been almost 2 weeks. I 've given my last 60 days bank statements, XXXX and XXXX Tax Return, XXXX paystub periods, My Driver 's License ID, and a copy of my Personal Check Voided I recently received a call that I was going to be funded and it would take " another 48 to 72 hours ''. I await 3 days. I check my account and funds have not been disbursted. I call them again and they state it would be another 5 business days for funds to transfer. Please keep in mind my contract was signed on XXXX XXXX. My first payment is due XXXX XXXX and I still have n't recieved my funds in my bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has reported to the credit reporting agencies that I currently have 4 loans with them, amounting to {$13000.00}. This information is inaccurate. On their official website, which I will show below, they have only 3 loans, amounting to {$7600.00}. 
Not only is that information incorrect, but they are also reporting inaccuracies as to when these accounts were opened. The loan amount for {$6200.00} was reported opened XX/XX/XXXX. I never opened that account. In addition to that, I never paid not XXXX cent to this lender. I also didnt sign an agreement, nor take out these loans with XXXX. They are reporting these accounts with on time payments, since XXXX, and who is to say they wont decide to report late payments? According to the FCRA, all information is to be reported accurately. According to 15 U.S. Code 6802 section ( b ) OPT OUT ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party.
Product: Credit card or prepaid card

A credit card company has denied my application for a new card and refused to give me a reason. Is the company allowed to operate in this manner?
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my EQUIFAX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are supposed to 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 inaccuracy.
Product: Credit reporting or other personal consumer reports

Under Penalty Of Perjury I Swear This account is false and misleading. 

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

I went to try to get a car and they said my credit wasn't strong enough which is strange because I haven't used my credit in over 10 years. After taking a look at my credit report and noticing many collection accounts which were never incurred by me nor have I ever done business with these companies by the names of XXXX XXXX, XXXX XXXX XXXX   and XXXX XXXX XXXX. They seem to be medical bills and XXXX XXXX neither which I have had any dealings with. I believe someone has been using my information to obtain credit or medical care without my consent. Please assist me in this matter in getting these items off of my credit. Thanks in advance.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process.

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I created a paypal XXXX for my university fees https : XXXX once I had received donations paypal froze my account with XXXX USD! 


I got an email that they will release my funds after 120 days! but the time has passed and when I try to withdraw my money it says NOTHING IS THERE TO WITHDRAW! THEY JUST KEEP MY BALANCE OF XXXX USD!
Product: Mortgage

This is not the first time that shellpoint conducts unfair business to me. 
Re : Loan : XXXX Property Address : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX To whom this may concern, I hereby object to Shellpoints increase in my monthly payment, stated in letter dated XX/XX/XXXX and complain about Shellpoints unfair XXXX to unreasonably increase my monthly mortgage payment. 

It was agreed by Shellpoint that effective XX/XX/XXXX, my mortgage payment included ONLY principal and interest. Shellpoint no longer held an escrow account for my loan : XXXX and I would be responsible for making my own insurance premium payment. 

On XX/XX/XXXX when my required hurricane insurance payment was due, I made a payment myself to XXXX. See attachment 1. 

On XX/XX/XXXX, and XX/XX/XXXX, I loaded my updated hurricane insurance policy to expressinsuranceinfo.com TWICE, per Shellpoints instructions, to show that I have indeed effective hurricane insurance. See the email confirmation I received in attachment 2 and 3. 

Still, on XX/XX/XXXX, Shellpoint charged me {$170.00}, for hurricane insurance, creating a negative balance on my escrow account. See attachment 4, with transaction highlighted. 

I have called Shellpoint to complain, only to experience call being dropped after 20 minutes of waiting. 

So I have used Shellpoint website 2 times, to report the issue. Each time, I ended up receiving a postal letter indicating that Shellpoint request additional time to respond., on XX/XX/XXXX and XX/XX/XXXX. See attachment 5. 

On XX/XX/XXXX, I received a postal letter from Shellpoint indicating my monthly payment will be increased due to the escrow balance that Shellpoint created by mistake. See attachment 6. 

Shellpoint does NOT have right to increase my mortgage payment because 1 ) I have made the insurance premium payment myself and 2 ) I have timely uploaded my proof of valid insurance policy to the website that Shellpoint directed me to 2 times!!! 

Shellpoint has internal procedural issues. I have repeatedly inquired, complained, and reported the issue. I should not pay for XXXX mistake. 

I object to the increase of my monthly mortgage payment and request that the escrow balance of - {$170.00} on my mortgage account, loan number : XXXX, to be wiped out. 



Sincerely yours, XXXX XXXX
Product: Credit reporting

I have sent XXXX previous letters to Experian reporting company, all by certified mail ( copies of receipts are available ) requesting removal of : 1. Unauthorized fraudulent inquiries : ( 1 ) XXXX Card XXXX/XXXX/2016 ( 2 ) XXXX XXXX/XXXX/2016 ( 3 ) XXXX XXXX XXXX XXXX/XXXX/2016 2. Fraudulent Account : ( 1 ) XXXX # XXXX ( Identity theft victim ) 3. Inaccurate, false, and wrong information : XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX from my file and Experian agency has failed to do so. 

Accordingly, I can show a judge that these inquires and accounts are fraudulent and inaccurate and that Experian violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters -- all sent certified mail -- stated my reasons for an investigation and these reasons were not frivolous in any way.
Product: Money transfer, virtual currency, or money service

I am filling 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 Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

fcra violations not mine : remove it : XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX EMPLOYMENT INFO XXXX XXXX XXXX  XXXX XXXX
Product: Payday loan, title loan, or personal loan

Had applied for a personal line of credit. LoanMe to me to change the loan classification to a business loan. Needed the loan to keep payments current but learned rate is usuary at 79 %, then lowered to 65 %. Repeatedly requested a loan modification as I've paid back the original principal twice!
Product: Credit card or prepaid card

American Express Settlement amount was {$8400.00} Paid in less than {$1500.00} received letter from American Express if I pay {$48.00} it will be full and final paid of last {$1500.00}. 

I paid full an final demand via cashiers check. 
American Express started collecting and started harassment after full and final paid as per request. 
My credit has been destroyed.
Product: Credit reporting or other personal consumer reports

Please review my complaint carefully. My loan requests are being declined due to incorrect credit records. Despite fulfilling all my financial obligations, these inaccuracies have impacted my ability to secure loans and caused me significant frustration.