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 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

According to the Fair Credit Reporting Act ( FCRA ), you are required to promptly delete all information that is inaccurate, incomplete, or unverified. I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and or standards and must be removed immediately.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a secured personal loan account opened at XXXX XXXX XX/XX/XXXX, under the account number ( XXXX ). I have identified several fraudulent hard inquiries and collections on my consumer XXXX credit report. Attached, you will find a detailed list of the hard inquiries in question, as well as a copy of my XXXX credit report that highlights these fraudulent entries. I do not recognize the accounts, collections, or hard inquiries mentioned, as they were neither opened nor authorized by me. These entries are the result of identity theft and fraud. For verification, I have included a copy of the FTC Identity Theft Criminal Complaint # ( XXXX ), issued by the U.S. Federal Trade Commission, which confirms that these accounts, collections, and inquiries were caused by identity theft and fraud.
Product: Mortgage

My loan went into default with XXXX XXXX XXXX for almost a year. I was working with XXXX to get a loan modification however after XXXX unsuccessful attempts to resubmit the same documents, we finally just gave up. It was causing undue hardship and mental stress to continue to provide documents again and again only to be stalled in the process. It 's very clear that XXXX was using stall tactics so that they would not have to move forward with the loan medication. In early 2015, I received a letter from XXXX that the loan was sold to BSI financial services. I contacted BSI who advised that they own the loan. I explained to them that I was continuing to receive foreclosure documents from the courts. BSI further explained that they now own the loan and will allow me to short sale my home. I advised BSI that I 'm not going to submit documents again XXXX times only to be stalled once again. BSI assured me that I did n't need to fill out any paperwork and instead they would connect me with XXXX of their preferred realtors to look at the home for potential short sale. Also, I would like to add that BSI advised that if the home did not sell within 60-90 days that they would accept a deed in lieu of foreclosure. They also advised that they would not hold me responsible for the difference whether its a deed or short sale. The realtor and BSI approved the short sale for XXXX and house was listed. Approximately 30-45 days later I received mail that a foreclosure judgment had been granted by the local courts. I contacted my realtor who advised that she would contact BSI to see if we could appeal to additional time to short sale the house. I never heard from her again. This week I received mail from the courts that BSI bought my home for XXXX. In essence, they sold the loan to themselves so that they can resell at a higher value. This is both unethical and fraudulent. They lied to me throughout the whole process and I seriously question if the realtor was in on it from the very beginning and has received some sort of kick-back for assessing the home 's value for them from the start.
Product: Credit reporting or other personal consumer reports

Noticed hard and soft inquiries from XXXX  XXXX, and other loan companies I do not recognize or authorize to run my credit.
Product: Credit reporting or other personal consumer reports

I was a victim of Identity theft, there is a fraudulent inquiry on my Experian Credit Report. Please remove this hard inquiry that doesn't belong to me XX/XX/year> - XXXX  XXXX XXXX I have already filed a FTC report.
Product: Student loan

On XXXX/XXXX/2015 we made a payment from our XXXX XXXX XXXX account for our student loan at SoFI. On XXXX/XXXX/2015, we paid off the total loan balance in full. Because we were signed up for auto-pay, and our autopay dates was the XXXX of the month, I requested that SoFI cancel the XXXX auto pay because the balance had been paid in full. SoFI responded that they could not cancel the autopay and that I could ask my bank to do a stop payment. I requested XXXX XXXX to do a stop payment in case SoFI tried to pull an additional payment. 
On XXXX, we received a letter from SoFI saying that our account was paid off in full and that our account was free and clear. Then, on XXXX XXXX we received and email saying that there was a {$380.00} balance due. Since then we have spoken to SoFI representative multiple times and forwarded them all of the information that they requested and yet they have not updated our account and are continuing to insistent that we owe a final balance. 
Loan is a refi for an XXXX from XXXX XXXX XXXX XXXX in XXXX XXXX
Product: Debt collection

I XXXX XXXX sent a letter to First Federal Credit declining their invitation to contract along with other requests. Please look at my letter that I attached to have full knowledge of my complaint.
Product: Credit reporting or other personal consumer reports

I HAVE UNAUTHORIZED CREDIT INQUIRIES ON MY CREDIT REPORT. THEY ARE LISTED BELOW. XXXX XXXX, DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX  XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit card

Examine the enclosed documents. Commence an investigation on these accounts where I am consistently on time but wrongly reported as late.
Product: Checking or savings account

RE : Bank of America. There is no online way to close the account. I wasnt able to close the account when I wished nor had time to wait on hold. They forced me to call to cancel and by that time another month of service fees was added to my account which brought it into negative balance. The customer service rep said they could not close the account with a negative balance.
Product: Mortgage

XX/XX/XXXX -- I constantly look back over this Loan. The more I look, I always find Fraud. I can't believe HUD or the attorney I hired didn't see these things. On XX/XX/XXXX, Bank of America put a Subordinate Security Insurance given to Housing and Urban Development on this Loan. This added {$14000.00} to this Loan. Payment is due payable on XX/XX/XXXX. My husband and I don't know what this is. We never saw this note. A document supposedly my husband 's signature, dated XX/XX/XXXX, was attached. This also is a blackout document with only the last 3 digit showing. FHA case no. blackout except last 4 no. XXXX. Document no. blackout except last 4 no. XXXX  The lender is under no obligation to refinance. Borrower shall make payment on XX/XX/XXXX each monthly payment of principal and interest will be XXXX this will be a part of a large monthly payment required by the security instrument that shall be applied to principal interest. THIS IS RETALIATION!!! DO HUD REALIZE!!! We have Never Miss A Mortgage Payment. XXXX XXXX XXXX. Put our mortgage in Foreclosure!! 
HUD took it out and put it in Covid-19 Forbearance. Once it expired we extended the times. WE WANT TO PAY TO HAVE AN AUDIT DONE ON THIS LOAN
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I called Bank of America for a new car loan. I am a Preferred customer with many accounts with Bank of America. After reading on the website about the process, instead of applying online I called to talk to a loan specialist directly. The website was having issues so it would not pull up area dealerships that are " franchise partners '' with Bank of America for auto loans. The very first question I had was if the particular dealership I wanted to purchase a car from was included on the list. I was asked what type of car I would be buying. I gave this information to the agent and was told that they would be an authorized dealer. From there it was a heavy push for me to apply on the phone for the loan. I consented to doing this as well as asking several questions along the way. Prior to running my credit for approval I asked several more questions. I further asked if it was as simple as taking the access code for the loan, giving it to the dealer and they would know what to do and I was reassured that this would be the case. Once I was given this information I consented to my credit being run. I was approved and quickly passed on to another individual to go over other terms. This individual asked me for the dealership information, which I gave her. She then gave me different information than the first individual stating that this dealership is not one of their " franchise partners '' so I would not receive an access code, but rather I would have to get a purchase order for the car, send it to Bank of America and then several days later they would send me a check to take to the dealer to purchase the car. I then stated that the whole reason I called to begin with was to ensure that this dealer was one of their " franchise dealers '' and was told by the first person I talked to that it was. The second individual apologized and said that they should have given me the correct information. At this point my credit has already been run under me getting false information. 

My plan was to purchase this vehicle in the next day or so. I asked the individual how this was supposed to happen and she simply stated that maybe the dealer would allow me possession of the car and I could take the money to them once I have the check. I doubt that a car dealer will let me drive a new car off of the lot without any payment for the car. In addition, the whole process was set up such that I was initially put into contact with an individual that was only trained to answer broad questions and push individuals into applying for a loan. This was a very misleading process that resulted in my credit being run on false information that I was given prior to me consenting for my credit to be run.
Product: Student loan

XXXX ( a Nelnet company ) is misrepresenting interest and principal balances on my student loans. The loans date back to XXXX and have significant accrued interest. XXXX, the original lender, sold the loans to XXXX in XXXX XXXX. My student loan interest expense was misstated for the XXXX tax year. I contacted XXXX immediately, but the issue remains unresolved despite several attempts on my part to get a resolution ... most recently through CFPB. For reference, my final XXXX statement shows that as of XXXX XXXX of XXXX loan balance on my account, XXXX was principal and the remainder interest. In our most recent exchange through this website, Nelnet has refused to acknowledge the issue.
Product: Mortgage

Loan # XXXX with Franklin American Mortgage Company Monthly mortgage amount is {$3500.00}. I had been paying {$4000.00} per month every month. I mistakenly paid {$3500.00} on XX/XX/2018 for XXXX invoice, instead of the monthly mortgage amount of {$3500.00}. Still 99.6 % of the required amount. Franklin American cashed the check, then sent me back a check for {$3500.00}. I didn't receive the check and notification of under payment until XX/XX/XXXX. I sent another check for {$3600.00} that day. It arrived XX/XX/XXXX, but still got nicked the {$170.00} late charge. {$170.00} late charge for a {$13.00} underpayment seems fairly obnoxious. 

Franklin American has offered to reduce the penalty to {$88.00} [ {$170.00} - ( {$3600.00} - {$3500.00} ) ]. 

I'm requesting CFPB 's assistance in getting the remaining amount {$88.00} waived/credited back. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORANCE WITH THE FAIR CREDIT REPORTING ACT THE LIST OF ACCOUNTS BELOW HAVE VILOATED MY FEDERALLY PROCTED CONSUMER RIGHTS TO PRIVACY AND CONFINDIANTALLY UNDER 15USC1681. 

XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS. 

15USC1681SECTION 602A STATES I HAVE THE RIGHT TO PRIVACY.

15USC1681SECTION 604A SECTION 2 STATES A CONSMER REPORTING AGENCY CAN NOT FURISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTION
Product: Debt collection

Credova told me in XXXX that my last payment was in XXXX. In XXXX they send me a notification that they were going to debt my bank account for another payment of {$160.00} They didnt debit my account and instead are coming back saying I owe them another XXXX. So they didnt take the money and instead are calling me 3-4 up to 5 times a day saying they have sent me to collections and need to resolve the issue. This isnt right, they were supposed to debit my account in XXXX and didnt and are now treating me with reporting to credit bureau .
Product: Credit card or prepaid card

I purchased a Jersey from an online company that was using the teams name and the store under their website name. After putting in my credit card info I was charged through XXXX to someones personal email from outside the country. I eventually received the merchandise and it was poorly handmade by an amateur person that was not even close to the size that it was supposed to be. There is no phone number to call and the package came from XXXX. I had to email them and they said they would give me 40 percent back.this was not off an XXXX site where you know this before ordering! They also used photos on their web of a real XXXX they stole off the official site with XXXX sizing. I disputed the transaction and went through the process with my Bank of America Visa card. I submitted pictures of a real Jersey that I re-ordered and showed it against what they sent. I sent them a screen shot of what they showed on their web and what they sent which was very clear of not being the same. I included a letter to them that they requested I gave them the website name in ordered from. They requested I send a letter on a Friday and Monday they denied my claim although it was well before a week before their ends date and they didnt have the letter yet. They are saying they want the Jersey evaluated by a professional company to say it is fake when photos clearly show it is handmade. When i called they said yes they can see it but they need the letter because they are not professionals on Jersey evaluation even though it is very obvious. I explained that is not possible as a authentic team store is over three hours away from me. If i had the ability to buy it local I would have. This is unrealistic especially with all the proof of what I orderiwd from what appeared to be a legitimate website and nothing mentioned in the description that it was handmade to be like a real Jersey. It did not show the huge stich lines in all directions on their web because they stole the photo to use in their web. They can see this. They are unwilling to work with me to dispute this transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called the company in ref to account on my report only thing said is thats it a old account i then reported to the 3 XXXX XXXX anf XXXX XXXX XXXX and no update was done
Product: Credit card or prepaid card

On XX/XX/XXXX XXXX XXXX I received an email from XXXX that they received my online payment of {$21.00}, confirmation number XXXX. XX/XX/XXXX was the due date and made my payment on the due date. Since then I have received countless emails indicating my monthly payment was past due and this morning I received a computerized phone call from Citibank ( I guess they handle XXXX credit cards ) indicating my payment is past due and that is not accurate, my payment was made on time. I eventually got to speak to a representative during the computerized phone call but the call was quickly disconnected. I called the toll-free number provided, spoke to a representative from Citibank, gave him the confirmation number of my payment and he said the payment takes a few days to process but he would update the records, but I don't want to be continually harrassed every month when making my monthly payment on a timely basis because XXXX XXXX system takes a few days to process the payment. This harassment has to stop, the emails and phone calls are not necessary.
Product: Credit reporting or other personal consumer reports

Hello i recently look to my credit report and i was shocked to see that i have been victim of identity theft, i found on my credit report fraudulent account, that i want to dispute, XXXXXXXX XXXX XXXX XXXX opened XX/XX/2XXXX XXXX
Product: Checking or savings account

These Accounts : 1XXXX BANK . 2 XXXX XXXX BANK. 3 BANK OF AMERICA. BE ADVISE, THIS IS NOT A REFUSAL TO PAY, BUT A NOTICE SENT PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g STATING YOUR CLAIM IS DISPUTED AND VALIDATION IS REQUESTED. This is NOT a request for " verification '' or proof of my MAILING ADDRESS, but A request for VALIDATION made pursuant to the above-name TITLE and Section. I respectfully request your offices to PROVIDE me with competent evidence that I have any LEGAL OBLIGATIONS to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, OR XXXX ) this ACTION may constitute fraud under both Federal and State Laws. Due to this fact, if any negative Mark is found on any or my credit reports by your company or the company you represent, I will not hesitate in bringing LEGAL ACTIONS against you and your client for the following : VIOLATION of the Fair Credit Reporting Act, VIOLATION of the Fair Credit COLLECTION PRACTICES ACT, and DEFAMATION OF CHARACTER ( per se ). If your offices are able ro PROVIDE the Proper documention as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time ALL COLLECTION ACTIVITIES SHALL CEASE AND DESIST. IF YOUR OFFICE FAILS TO RESPOND TO THIS VALIDATION REQUEST WITHIN 30 DAYS FROM THE DATE OF YOUR RECEIPT, ALL REFERENCES TO THESE ACCOUNTS MUST BE DELETED AND COMPLETELY REMOVED FROM MY CREDIT FILE.
Product: Student loan

Someone opened a secured loan on XX/XX/year> in Kansas from self-financial lead Bank in the amount of {$510.00} I never opened this account. I'm not from Kansas. I'm from Texas and I've never even opened a secured loan. I am disputing this on Friday XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Family Support division keeps reporting false payment information and has my account status closed in collections for arrear payments. I have wrote letters to all 3 credit agencies of this incorrect information. 

I have no missed payments and I am recently divorced as of XX/XX/2022, the judge reduced the amount of the payments and eliminated all arrear payments. I have provided proof of these documents, ( payment history printout from social services which collects this data & my final divorce decree ). XXXX is the only agency that had removed this account with the proof i have provided, XXXX XXXX Equifax keep stating the information they receive is correct from the debtor. Which keeps me disputing the same item over and over again. Why are asking me to submit documnets, which i provide, then doesn't take into account of it being valid. 

The bi-weekly amount out of my check is {$410.00} for payments and arrear balance of {$3800.00}. MO family support had never reported any of my payments until i disputed this with the credit agencies, which lowered my credit score significantly .By law they are to report all data each month, which they are not. 

I have disputed these remarks in XXXX, XXXX, XXXX given 30 days of each investigation