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 violating 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: Debt collection

I received a credit monitoring notification that a new collection was added to my XXXX credit report on XX/XX/XXXX from Diviersified Consultants in the amount of {$2400.00}. It stated the account originated in XX/XX/XXXX. Upon my credit alert I have made numerous phone calls to this company regarding the matter and I have been unable to reach anyone. I did not receive any written notification regarding any debt with this company. Upon more digging on my own, I found the original creditor was a company I hadnt done business with for well over 10 years.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX ), you may be liable for your willful non-compliance.
Product: Credit card or prepaid card

Made a substantial payment to my TJ Maxx Mastercard with XXXX XXXX. Payment was made on XX/XX/XXXX and debited from my bank that evening. Finally showed up on XX/XX/XXXX as a payment. Inquired why my available credit wasnt updated. Was told by CS rep that my payment would not be available until XX/XX/XXXX which is 9 days later. Never paid late. Always paid outstanding balance each month. When I inquired about why I was penalized for paying my outstanding balance, was told I was a high risk from their risk dept. Nothing in my history warrants this treatment. CS reps were very rude and insisted I was the problem.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$XXXX} XX/XX/XXXX XXXX XXXXXXXX Balance : {$XXXX} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$XXXX} XX/XX/XXXX XXXX XXXX XXXX Balance : {$XXXX} XX/XX/XXXX XXXX XXXXXXXX XXXX Balance : {$XXXX0} XX/XX/XXXX XXXX XXXXXXXX Balance : {$XXXX XX/XX/XXXX XXXX XXXX Balance : {$XXXX0} XX/XX/XXXX XXXX XXXX  XXXX Balance : {$XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I'm " CLIENTS NAME, '' and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still other account that need to be UPDATED. The XXXX and TransUnion credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected. XXXX XXXX XXXX XXXX XXXX : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to Experian for over 2 years and also to CFPB only to have the same information continue to be reported wrong on my credit report. There are 7 accounts with XXXX XXXX that should be only reported with an account status of closed, payment status paid and negative comments removed only showing paid in consolidation I have a positive consolidated account from XXXX that is not reporting wrong and I 'm not requesting a dispute for that account. Also there are 8 accounts from the XXXX XXXX XXXX reported as paid collection, payment status should be reported as paid, account closed consolidation only and the 8 accounts show a negative on my account on XXXX 2016 even though the rep from Experian spoke to the XXXX XXXX XXXX on the phone and Experian has refused to correct it, there is no reason for a account that was consolidated to be reported and show a negative as its a positive part of someones history and should not be considered a negative. I have contacted XXXX & the XXXX XXXX XXXX   and they have continued to state they have n't been contacted by Experian to correct the late and the comments or to verify the information again. I have sent them proof of identity with my disputes and information to assist in the corrections to my reports.
Product: Debt collection

I am disputing the debt as reported by SOUTHERN CREDIT RECOVERY for {$290.00} from XXXX XXXX XXXX. I do not have any responsibility for the debt theyre trying to collect because this was closed and the amount charged-off three years ago. I have disputed this debt before. This continues to affect my credit score which falls under unfair practices. 

Documents of proof have never been provided to me and the reason is, they do not exist. 

In addition, please provide details about your authority to collect this debt : I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state and jurisdiction? If not, please explain why not. If your company does hold a license in my state, please provide the date of issuance of your license, the name on the license, the license number, and the name, address, and telephone number of the state agency issuing the license. 

If you are contacting me from a place outside my state and or jurisdiction, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
Product: Mortgage

I requested the information from the company because full discloser was never given and I have requested the documentations and was told I would be foreclosed on because I was asking questions
Product: Mortgage

In XX/XX/XXXX my business closed on a mortgage loan with lender Lima One Capital ( https : //limaone.com ) for 2 investment properties. It's unfathomable for a lending institution, but since Day 1 our online " Customer Portal '' has never shown our monthly statements. As a result we have never known how our payments are being broken down or if they are even being applied correctly toward principal, interest, and escrow. There has always been a link that says " Bill History '' but no bills. 

Only recently the Bill History began showing 3 documents, currently dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but each of those links to the statement dated XX/XX/XXXX. ( Also I am writing this on XX/XX/XXXX, so how could there even be a document dated XX/XX/XXXX? ) I have many accounts with many different institutions, banks, credit cards, utilities, etc and never have I been unable to view any monthly statements online. It should be something any customer has access to. 

I contacted the company numerous times in the past asking when this would be fixed but was never given an answer. I was actually told by someone from Lima One that if I wanted a statement I had to contact them every time, which is ludicrous. We should be receiving our monthly statements automatically, without having to ask. I then requested that someone from Lima One create a manual task to email us our statement every month, since this is their mistake, but of course this has not happened. 

I do not know if this is a companywide issue with Lima One, or simply with our account, but it's frankly unbelievable. We simply want to be able to view our monthly statements. We want this fixed. We also want PDFs of ALL of our past monthly statements.
Product: Credit reporting or other personal consumer reports

Your Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX for Address Update Dear Sir/Madam, I am writing to request an update to my address information on my credit file. Please update my records to reflect my current address as follows : Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Personal Information : Name : XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Employment Status : Unemployed If you need any additional information, please do not hesitate to contact me at the address provided above. 

Thank you for your prompt attention to this matter. 

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

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 
In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Student loan

My daughter is in her XXXX year of XXXX at XXXX XXXX XXXX and the University of XXXX in XXXX, TX. She has taken out a number of loans from various financial companies to finance her XXXX education, including XXXX XXXX Loans and Citibank. She has always been prompt in asking for deferral or forbearance until she completes her program. Recently, she discovered that XXXX of her loans with Citibank had been sold to XXXX and then, in a very short period of time, resold back to Citibank, declared delinquent and then turned over to a collection agency. At that time, the debt collectors then began calling me to demand payment of the full amount. No one at any time contacted me about the past due status of the loans, nor did they contact her either by phone, voice mail or letter. The fact that the loans changed hands XXXX during this time frame has made communications very difficult and confusing. I should note that XXXX has loans with Citibank that ARE in deferral, adding to our frustration and confusion. Both my daughter and I fully intend to honor the debts. Had Citibank or XXXX acted in good faith and communicated adequately at all, this would have been avoided. All we ask in this complaint is that the XXXX loans be removed from delinquent status, that XXXX be allowed to pay the past due amounts and that repayment of the remainder of the XXXX loans be deferred until she completes her program in XXXX 2016. I would also ask that my credit reports from the reporting agencies be repaired by removing these delinquencies.
Product: Student loan

Several weeks ago I discussed terms for a rate reduction program. That reduction was eventually agreed by all parties, after 3 months of back and forth, and the automated terms were agreed to. The program was subsequently denied by a supervisor. I made several attempts to contact that supervisor, leaving several messages, with no response. I left message was left with a different supervisor who works with the woman in question. I communicated my desire to have the original rate reduction terms reinstated, and he communicated that desire to the proper supervisor as well as noted my account. 
Since that time 2 payments have been processed by navient as agreed in the rate reduction terms. On XX/XX/XXXX, I contacted the same department and at the suggestion of the representative set up a new program as opposed to renewing the previous program. I was assured, on a recorded line, that after 3 on time payments at the reduced amount my account would be made current. At that time I made a formal complaint to ensure the additional interest charged would be credited back, and that complaint was confirmed received and sent to the ombudsman. I have not received any communication from NAVIENT or the ombudsman since that time. 
Today, without authorization, NAVIENT debited my account XXXX representing every dollar I have. 

I have more issues with these 3 private loans than I have with all of my other debt instruments combined. I have attempted at every turn to pay my debt, and for years have paid on these private loans. As it stands today I owe more than I borrowed. The conduct with respect to this matter is simply unacceptable. I am trying to fulfill my obligations as best I can, and because of the misconduct by Navient I am being economically harmed. Additionally, this incident is requiring substantial time on my part which is causing me significant stress and straining my job. I am literally begging someone over there to please take ownership of this file and make some positive steps to resolving this once and for all.
Product: Mortgage

Nationstar is not acknowledging my appeal request even though it was faxed it prior to the due date and have decided to proceed with the auction of my home and not allowing me any options besides reinstating {$80000.00} which I currently do not have or short selling my home. They have denied me for all government programs due to my house being upside down in equity. It is not my fault the housing market it not what it used to be and I feel this is an unfair reason to deny me of options to save and keep my home. I was denied because they said they were unable to create an affordable payment. I can afford the payment not that my expenses have reduced so why ca n't they just allow me to make my payments?
Product: Vehicle loan or lease

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Product: Debt collection

I got a notification from my credit monitoring service that I have a new collection. I had no prior knowledge of this debt collector or this debt prior to it going on my credit. I sent a letter requesting validation of the debt. However, I received a copy of a bill. A bill is not validating the debt. I sent a second letter via certified mail requesting validation which I still have not received. The amount is {$1200.00}.
Product: Credit card

Paypal Credit 's website is confusing and does not accurately reflect all activity. When speaking with representatives like XXXX, it 's confusing to them and they can barely follow along with it. I am not receiving statements, which proves it difficult to determine the due dates on the accounts. The Reps are n't knowledgeable and the only thing they repeat to you is the amount due on the screen.
Product: Debt collection

I received a notice dated XX/XX/2022 from AMCOL Systems , Inc. XXXX XXXX XXXX XXXX, SC XXXX regarding a debt from XXXX XXXX XXXX which had been the result of billing error that had been corrected by XXXX XXXX and should have been no longer placed with AMCOL Systems , Inc . I called on XX/XX/2022 and spoke to XXXX and then XXXX ( supervisor ) requested written verification/notice for my records that the debt was no longer with AMCOL Systems , Inc. and they refused to provide any documentation in writing to me regarding the history of this debt with their company. They stated they couldn't send me anything in writing since they " don't have a template for that. '' I expressed concern regarding them attempting to collect on this debt or take further action in the future and wanted documentation for my records, but they refused and refused to provide me with additional contact information at their company to talk to someone that could provide me with that written documentation. XXXX XXXX XXXX has provided me with written documentation via my billing statement, but the collection company refused to provide me with written verification that they were no longer attempting to collect this debt from me.
Product: Debt collection

The real reason for this complaint is because the debt collection company 'M Leonard & Associates ' is operating illegally in trying to collect on a debt in New Jersey. Though it is not necessary to have a license in the State of New Jersey to collect, paying a {$5000.00} surety bond is mandatory by all collection agencies operating outside of the state to collect within the state. N.J. Stat. XXXX. XXXX ( XXXX, XXXX through XXXX, c. XXXX ). 
I have verifiable proof that this company has not paid the surety bond & can not legally collect on this debt. I've already contacted the company via email only to be ignored twice.
Product: Money transfer, virtual currency, or money service

To Whom It May Concern, I am writing to formally file a complaint against Cash App for failing to adhere to federal regulations governing the handling of consumer disputes and fraud-related transactions. Specifically, I believe Cash App has violated provisions outlined in the Electronic Fund Transfer Act ( EFTA ) and its implementing Regulation E.

In 2024, I noticed unauthorized transactions on my Cash App account. I promptly reported these transactions to Cash App and requested a dispute investigation. However, the company has failed to comply with the following regulatory requirements : XXXX. Timely Investigation and Resolution ( 12 CFR 1005.11 ) : According to Regulation E, financial institutions are required to investigate and resolve consumer disputes within XXXX business days ( or XXXX business days for new accounts ). If more time is needed, a provisional credit must be issued within this period while the investigation continues. Cash App has not provided any provisional credit, nor have they resolved the dispute within the required timeframe. 
XXXX. Notification of Investigation Results ( 12 CFR 1005.11 ( d ) ) : Regulation E mandates that consumers be informed of the results of the investigation and any corrective actions taken. Cash App has failed to provide me with any written explanation or notification regarding the status or outcome of my dispute. 
XXXX. Reversal of Unauthorized Transactions ( 12 CFR 1005.6 ) : Under Regulation E, consumers are protected from liability for unauthorized transactions if reported promptly. Despite my timely report, Cash App has not taken any steps to reverse or credit the unauthorized charges. 

The lack of compliance with these critical consumer protections has caused significant financial distress and inconvenience. I am seeking the Consumer Financial Protection Bureaus intervention to ensure Cash App complies with all applicable regulations, provides the necessary resolution to my dispute, and compensates for any resulting financial harm. I have lost XXXX in damages due to this issue. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of my complaint. 

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

On my credit report it is showing a credit inquiry from XXXX that I never authorized
Product: Credit reporting or other personal consumer reports

ALL consumer reporting agencies identified Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are in violation of the " Privacy Act of 1974, per 5 U.S.C. 552a ( b ), '' for disclosing my nonpublic personal records to other persons without my prior written request or verbal consent, and in violation of the " Gramm-Leach-Bliley Act, per 15 U.S.C. 6821 ( a ) ( 1 ), ( a ) ( 2 ), and ( a ) ( 3 ) and 15 U.S.C. 6823 ( a ) and 15 U.S.C. 6823 ( b ), '' for violating my privacy by, knowingly causing to be disclosed to multiple persons my nonpublic customer information of financial institutions, NOT relating to those persons. Additionally, by violating the " Gramm-Leach-Bliley Act, '' All consumer reporting agencies identified are also in violation of " Aggravated identity theft '' per " 18 U.S.C. 1028A ( a ) ( 1 ), '' for knowingly transferring, possessing or using, without lawful authority, my nonpublic personal means of identification. Lastly, ALL consumer reporting agencies are in violation of " Tax Fraud '' for reporting ANY alleged collection/charge-off accounts. 
Furthermore, attached consumer reports prove above stated violations, errors, and inaccuracies across ALL 3 consumer reporting agencies.

SEE AND REVIEW ALL ATTACHMENTS
Product: Credit reporting or other personal consumer reports

I am writing with the utmost urgency to demand immediate action regarding the fraudulent accounts and erroneous information unlawfully reported on my credit file. As a victim of identity theft, it is imperative that this situation is promptly rectified. I insist that you take the following actions forthwith. Expunge all fraudulent accounts from my credit report. 
Provide written confirmation that these items have been removed. 
Conduct a comprehensive investigation into how these accounts were erroneously reported. 
Ensure that all future credit reports reflect accurate information and are devoid of any fraudulent activity.Pursuant to the Fair Credit Reporting Act ( FCRA ), it is your legal obligation to investigate and correct errors on credit reports. 

XXXX XXXX XXXX
Product: Student loan

My Private Education Loan provider, XXXX XXXX XXXX, received payment in full from the assignment of XXXX XXXX XXXX XXXX during enrollment. XXXX XXXX XXXX and XXXX XXXX practice was to fund educational classes with private loan funds and apply student approved Financial Aid to cure outstanding educational balance. All Federal Aid funds disbursed to College was applied to any outstanding balances leaving a XXXX loan balance and should be reported correctly to all three credit reporting agencies.