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 a 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 from 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

1. First issue is with XXXX XXXX XXXX. I accepted an offer to close my account if I agreed to pay the balance less late fees within 60 days. This agreement would require them to not report any derogatory remarks on my credit report unless I didn't pay the amount due in full within 60 days. They closed the account, and reported it with late fees, still. 
2. Barclays card credit card. Initially opened for use by our organization. I was added on as an authorized user. However, the account owner refused to give us any access to these accounts and we were unable to verify that the monthly minimums were being paid timely. The account owner acted as if the physical cards were misplaced but we later learned from the credit card company that he had closed the accounts. The credit limits on the accounts was not maxed out, best to our knowledge. The card is now on my personal credit report as closed and delinquent. This is incorrect because I was added as an authorized user not the guarantor. I need to get this derogatory remark canceled.
Product: Debt collection

Prior to XX/XX/2019, I cancelled our XXXX account, this was over the phone. I was about to have surgery & knew that I would be at home recuperating for an extended time & wanted to have more choices along with Internet. We paid the final bill off & thought all was O.K. A month or so later we received another bill & thought maybe we had not received a final bill. we paid it & now we are receiving another bill. 
We have spoken with them numerous times with multiple representatives, and have been assured that this would be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNT IN ERROR. 

XXXX Account # XXXX XXXX  and EQUIFAX have falsely claimed Missed payments that are severely damaging my credit score and reputation! 

This account has been closed since XXXX. 

Since there is no pay date or pay by due date for this account, how can the payment history show as being late or past due? How can I miss a payment date when there is none? 

Secondly, due to refusal to remove the account, I have since received a letter from XXXX stating the account is in good standing and is Paid In Full! 

I have attached a letter from the XXXX XXXX XXXX XXXX as proof of the above mentioned statements. 

To this day, XX/XX/XXXX, XXXX still has a balance showing and is still reporting Negative! 

I have also attached screenshots from my latest updated XXXX  account from XXXX showing how XXXX is still continuing in fraudulent activity by falsely claiming a balance on this account as well as false Negative payment history claims!

This fraud is severely hurting my mental and financial well being, especially during this pandemic!

I NEED this account COMPLETELY removed from both XXXX  and EQUIFAX expeditiously!

Thank you for your compliance in regards to this request of dispute of any and all account errors!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax hasnt updated my report since XX/XX/2020, I paid off all my credit cards in XXXX and they still showing balances. Equifax is still reporting fraudulent information and addresses that do not belong to me and have yet to provide validation of the fraudulent accounts and addresses that were removed a placed back by Equifax. They are hindering me from my home buying process. They refuse to remove the addresses stating they are attached to accounts and Ive called all my creditors and they have and been reporting my current address. Equifax has replaced fraudulent accounts that were removed on my account without validation or contracts. Below Ive attached info from Equifax showing its fraudulent and not me it clearly shows someone elses name, ID, social, and address. Ive been fighting this account for 4 yrs even tho I have proof it doesnt belong to me. 

XXXX  refuses to remove fraudulent addresses and accounts and refuse to show validation. Ive been fighting with this company for months sent info requested and still no removal. XXXX  also claims the fraudulent addresses are attached to open accounts and thats not true Ive called all my creditors and they have no knowledge of the addresses on my credit file and are reporting my current address. They are also hindering me from closing on my home. XXXX  has replaced fraudulent accounts that were removed on my account without validation or contracts. 

I cant and wont receive any mail at the fraudulent addresses Equifax and XXXX  have on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the TransUnion credit bureau XX/XX/XXXX, but no answer was received. I've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the accounts because they feel they're above the law. When questioned why they're not accepting the Dispute Letters they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Dispute letters ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy. As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX, XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$14000.00}, XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, Bankruptcy XXXX  XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX
Product: Checking or savings account

We received letters from Bank of America on XX/XX/XXXX. It was written Weve made the decision to close your business and personal checking/saving accounts XXXX XXXX XXXX XXXX XXXX Bank of America Account Number is XXXX XXXX XXXX XXXX Bank of America Account Number XXXX I called XXXX and they did not give me any reason why they closed our business accounts and my personal account on XX/XX/XXXX and XX/XX/XXXX I went to our Bank of America Branch on XX/XX/XXXX in person and spoke with XXXX XXXX XXXX Financial Center Assistant Manager ) and she has no idea why Bank of America closed our business accounts. 

We have been running our XXXXt business last fifteen ( 15 ) years under the same company and the same address. XXXX It does not make any sense without telling us why they closed all of our accounts. We'd like to solve this issue with Bank of America, but they are not cooperating. 

Best, XXXX XXXX XXXX ( XXXX ) XXXX - XXXX
Product: Debt collection

Good Evening ; I dont understand how you are continuously able to verify this account! I dont recall ever being associated with this company that is unknown to me. Also, Im a bit dumbfounded by how you were able to verify this account when the other bureaus were not and have removed it from my credit report. I'm not an expert on this, but I'm sure this is a violation either under FRCA or and FDCPA.
Product: Debt collection

XXXX XXXX I was unable to complete the full course due to health issues I was pregnant at the time and I had to take along medical leave so I was dropped I was in the hospital and can provide medical paper upon request. Company name : Nelnet loan services inc I. The amount of {$3800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX- OPENED XXXX XXXX AND BALANCE IS {$480.00} XXXX REPORTED THIS ACCOUNT AND TOLD THEM THIS WAS FRAUD FOR XXXX AND EQUIFAX XXXX 

XXXX XXXX -OPENED XX/XX/XXXX {$490.00} I REPORTED THIS WAS FRAUD AND TOLD THEM IT WAS FRAUD FOR XXXX AND EQUIFAX XXXX 

XXXX XXXX-OPENED XX/XX/XXXX {$510.00} THIS ACCOUNT IS ON EQUIFAX, BUT NOT ON XXXX. THIS ACCOUNT DELETED OFF XXXX, BUT NOT EQUIFAX. EQUIFAX SHOULD HAVE BEEN DELETED THIS ACCOUNT.
Product: Mortgage

i had a catostrophic insurance claim on my house on XXXX XXXX, 2014. I have had several phone conversations with my mortgage company about my insurance money. They never communicated with me on the requirements until I questioned them why they were not releasing my insurance funds to me. I have had the siding done on my house but not my roof yet. I have had several phone calls, emails and faxes to the greentree claims dept. They all tell me something different. The superviser told me to quit calling and they would settle the claim when they had time. Currently, they are sitting on {$15000.00} that i need to pay my contractor with. I have asked them to contact my insurance adjustor because clearly they are not listening to me and not able to read the adjustors report. I have sent them all the required documents and they still will not release my funds. How do I pay my contractor? I have sent in completion photos. I have sent in tax id numbers. They will not release my depreciated amount until an inspection is done. They will not do an inspection until i have all the work complete. Neither XXXX of my contractors will sign a lien waiver until they are paid in full. I cant afford to pay them without my insurance money. The mortgage company states that none of the funds can be released to me. If I end up paying the contractor they will not refund the money to me.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report due to my status as a victim of a data breach. Under 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting that the accounts and inquiries listed below be immediately removed from my credit report. 
Accounts to be blocked and deleted : XXXX. XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$430.00} XXXXXXXX XXXX XXXX XXXX - Account Number : XXXX - XX/XX/XXXX - {$610.00} XXXXXXXX XXXX XXXX XXXX - Account Number : XXXX - XX/XX/XXXX - {$1000.00} XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX - XX/XX/XXXX - {$620.00} XXXX. XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$800.00} XXXX. XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$2400.00} XXXX. XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$1500.00} XXXX. XXXXXXXX XXXX XXXX  - Account Number : XXXX - XX/XX/XXXX - {$160.00} XXXX. XXXX XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$430.00} XXXX. XXXX XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$620.00} XXXX. XXXX XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$1000.00} XXXX. XXXX XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$610.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - XX/XX/XXXX - {$0.00} XXXX. UNAUTHORIZED COLLECTION - Account Number : XXXX - XX/XX/XXXX - {$2200.00} Inquiries to be blocked and deleted : 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 XXXXXXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquires. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, not authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple items on my credit report that have not been validated or verified properly as my debt. I have since contacted the credit bureau various times starting from XX/XX/2018 to verify and correct the items on my report. Since then I have received letters saying that the debts have been verified without providing any proof of these debts. With this complaint I have uploaded and included the credit bureaus response as proof that they did not follow the law and provide ANY verifiable proof showing who and how these debts were verified. Nor were ANY signed documents provided which the credit bureau must have on file and be ready to furnish to be able to legally report items on a credit report. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the credit bureau is required by federal law to verify the physical verification of the original signed consumer contract of all accounts posted on my credit report. Given the fact that anyone paying for reporting services could fax, mail or email in a fraudulent account. I have requested to physically see Verifiable Proof ( an original Consumer Contract with my Signature on it ). Which my request has since been ignored by a company that is supposed to uphold the law. The credit bureau has instead decided to not verify these accounts, only to send a dispute status without verifiable proof of their investigation which by law I am allowed. Which the document I included shows as proof the law was NOT followed nor any verifiable proof was provided. Given the credit bureau did not follow the law Section 609 ( a ) ( 1 ) ( A ) and the rules of the FCRA nor provide physical proof any debts. I am requesting the items below be deleted and then corrected on my credit report before certain litigation in court is proceeded. 
Creditor 1 - XXXX XXXX XXXX XXXX Unverified Account, Creditor 2 - XXXX XXXX XXXX XXXX XXXX Unverified Account, Creditor 3 - XXXX XXXX XXXX XXXX XXXX Unverified Account, Creditor 4 - XXXX XXXX XXXX   XXXX Unverified Account, Creditor 5 - XXXX & XXXX XXXX Unverified Account, Creditor 6 - XXXX XXXX XXXX XXXX Unverified Account, Creditor 07 -  XXXX XXXX Unverified Account, Creditor 08 - XXXX XXXX Unverified Account, Creditor 09 - XXXX XXXX Unverified Account Creditor 10 - XXXX XXXX CO Unverified Account
Product: Debt collection

There is an account listed on my credit report with FIDELITY CREDITOR SERV. The account number is XXXX and the balance is {$2500.00}. I do not have a debt owed for this amount to anyone and I explained this to the company. I called them on XX/XX/2020 for help and was hung up on. I am requesting the original contract for this account. I need to see why this account has this balance and make sure this was agreed to with my signature. I am worried there is an error somewhere or even worse that someone has abused my personal information. Fidelity has not sent me anything I requested and I need them to comply with the laws to protect consumers. They are ignoring my requests. As this account has an in dispute indicator, I need the copy of what was already disputed and how they came to this meets requirement of " fair credit reporting act '' result they have on my credit. This is urgent and I am forwarding all correspondence to an FDCPA attorney of my choosing. I have already consulted with one attorney and will bring suit for all damages regarding this account. I am looking to get a mortgage and this account will cause me to lose the best rate possible. I will seek compensation for all lost monies if this is not removed immediately.
Product: Mortgage

Carrington bought my mortgage from XXXX XX/XX/2022. I did not receive a statement from them until XXXX. Every month I mailed my payment to Carrington using the address XXXX provided in their notice. I requested a statement and repeatedly informed them if my address. In the process they misappropriated my XXXX payment. Once I received a statement I called the number on the back to find out why I had late payments due, my account was classified as delinquent and was reported to the credit bureau. I have provided a copy of my bank statement and cancelled check as they requested to clear this up, Every month. They are doing nothing but sending me late notices, delinquent notices and charging me every month for 2 payments. They ignore my every attempt for them to find my payment they cashed. Ruined my credit. I am at my wits end. Someone needs to help me with aweful company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

1. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 THESE ACCOUNTS ARE NOT MINE. 
XXXX XXXX XXXX Account Number : XXXX This Account is accurate and I'm seeking litigation please delete at once. 

2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 THESE ACCOUNTS ARE NOT MINE. 
US DEPT ED Account Number : XXXX This Account is accurate and I'm seeking litigation please delete at once.

3. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 THESE ACCOUNTS ARE NOT MINE. 
US DEPT ED Account Number : XXXX This Account is accurate and I'm seeking litigation please delete at once. 


Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX OF XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Checking or savings account

I called Bank Of America at XXXX to report that I had received several emails on XX/XX/XXXX stating that my application was approved for an account. I spoke with XXXX in GA who provided me with case no. XXXX. I was advised to contact the FTC, XXXX XXXX  and the credit bureaus as well as provided an email with the information. I was told an account had in fact been opened but no further information could be provided at the time. I was advised the account would be closed and something should be sent to me in the mail. 
I called back to Bank of America on XX/XX/XXXX and spoke with XXXX in TX in the fraud department advising I had received a text to my phone for a verification code. XXXX advised that the account is closed and there is no access. 
I spoke with XXXX in TX on XX/XX/XXXX in the fraud department and advised that I had not received anything from Bank of America in writing and requested something be sent to me. He advised me that he would request a letter be sent and to allow 7-10 business days to received. 
I called back to Bank of America on XX/XX/XXXX and spoke with XXXX in TX in the fraud department regarding the previous call where I was told a letter would be sent in 7-10 business days and still hasn't been received. She advised that there was no document that could be sent due to the account already being closed. I requested to speak with a Supervisor. I spoke with XXXX who was a supervisor in TX as well who advised that due to the account being closed at " no loss '' there was no documentation that could be sent out. I reiterated that I needed proof of this in writing because I only have their word that the account was closed. He stated he would send the request to an analyst for a resolution letter and also a form FACT ACT 151 be sent to me vial email. He stated the request could take up to XXXX business days to be approved. 
It is now XX/XX/XXXX and I have not received anything from Bank of America since the first call on XX/XX/XXXX although I have asked twice and have been told twice something would be sent and or requested.