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

As a CashApp member this is a complaint against the mentioned financial company by way of XXXX XXXX  service for money transfers " CashApp '' This is regarding the Class Action Lawsuit. I did not get my complaint listed with the first Class Action Lawsuit therefor I am submitting it today. It is due to the Consumer Financial Protection Bureau filed this lawsuit that they have to pay consumers back they did not have a live person available for users to contact if one had any conflicts and other issues, nor handling person 's claims properly. Therefor refunding individuals their money. I would like to have information when the Administrator for this account is set up to receive funds once payments are sent out.
Product: Debt collection

I am submitting this complaint independently, without any involvement from a third party. Attached is a letter detailing the items reflected on my credit report. I have never had a contractual relationship with XXXX XXXX. I believe the original creditor, XXXX, sold my account without proper notification, which is a clear violation of Section 611 of the Fair Credit Reporting Act ( FCRA ) concerning the reporting of inaccurate information.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX  RE : Inaccurate Late Payment Reporting on XXXXXXXX XXXX XXXXXXXX Account Account Number : XXXX Dear CFPB, I am writing to formally dispute the reporting of inaccurate late payments on my credit report for the XXXXXXXX XXXX XXXXXXXX account. Despite submitting multiple requests for correction through letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, the discrepancies remain unresolved. This lack of resolution directly violates the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), causing undue harm to my creditworthiness and financial stability. 
FCRA Violations : 15 U.S.C. 1681i : Credit reporting agencies are obligated to ensure that consumer files are accurate and up-to-date. The reported late payment entries for XXXX ( XX/XX/XXXX ) and Experian ( XX/XX/XXXX ) have not been verified or corrected, despite clear evidence submitted in my previous disputes. 
15 U.S.C. 1681b : Mandates the accurate use and reporting of consumer information. The erroneous late payment reporting demonstrates a failure to comply with this requirement. 
TILA Violations : 15 U.S.C. 1666b : Requires creditors to provide periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting suggests non-compliance with this statutory obligation. 
Consequences of Inaccurate Reporting : These reporting errors have adversely affected my credit score and financial reputation, impacting my ability to secure credit on favorable terms. Additionally, the persistence of these inaccuracies despite multiple correction requests has caused significant stress and financial hardship. 
Actions Requested : I request that your office : Immediately remove the inaccurate late payment notations from my credit reports with XXXX, Experian, and XXXX. 
Provide written confirmation of the corrections within 30 days from the date of this letter. 
Ensure all future reporting related to this account is accurate and complies with federal laws. 
Next Steps if Unresolved : If this matter is not resolved promptly, I am prepared to take further action, including : Filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and relevant state agencies. 
Consulting legal counsel to address the violations of federal laws and the resulting damages. 
Publicly sharing my experience to raise awareness about the lack of accountability in credit reporting practices. 
I trust that you will treat this matter with the urgency and diligence it deserves to ensure compliance with federal regulations and to rectify the harm caused. 
Thank you for your immediate attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX  XXXX account that's showing late, but I never have been as I have this account on auto draft. I've asked for proof of late payments, and they will not respond to my letters.
Product: Debt collection

XXXX XXXX XXXX Collection Dept. 
Acc # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Last year I noticed a collection account for XXXX XXXX on my XXXX  and XXXX XXXX Credit reports. In 2020 I never went to XXXX XXXX and never received a bill from XXXX XXXX. After contacting the collection agency and disputing this false claim, I have been unsuccessful.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records. I, therefore, request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible Names : XXXX XXXX ; Addresses : XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XXXX XXXX XXXX XXXX Balance : {$1400.00}, XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$210.00}, XXXX XXXX XXXX Balance {$56.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00}, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$140.00}XXXX XXXX XXXX XXXX XXXXr : XXXX XXXX ) XXXX Balance : {$0.00} Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

LVNV FUNDING LLC seems to be on my reports it shows I owe {$130.00} for an account I have no knowledge off.LvnV IS ACTUALLY on my reports XXXX XXXX different accounts XXXX as lvnv XXXX as XXXX XXXX and various addresses for the collection company. 

I have no knowledge of this accounts I believe they are not mine.show me proof or anything because I have never heard of this. 
LVNV FUNDING XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXLVNV FUNDINGXXXX XXXX, XXXX XXXX XXXXXXXX different addresses across the country with same phone number I have tried XXXX address and numbers unsucessfuly
Product: Money transfer, virtual currency, or money service

I am filing a compliant against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates 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: Vehicle loan or lease

I requested and was granted by Westlake Financial a payment accommodation ( deferral ) plan in accordance with the Cares Act. My account # is XXXX. Reported late payments was in XX/XX/2022. Westlake Financial reported me late to the credit bureaus adversely affected my credit. Westlake Financial was prohibited in reporting me late as I was making modified, on-time payments as a part of the deferral agreement, and the agreement was made under the protection of the Cares Act regarding credit reporting an scores. Westlake Financial was not supposed to report me late as long as I was making payments under the deferral agreement. According to the law, when you make an agreement with your creditor to modify repayment, the creditor needs to report to the credit bureaus that you are current on your loan. Westlake Financial failed to do that and reported me late severely damaging my credit score and costing me several business loans and credit cards. The Cares Act was extended by Congress in 2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 

Account name : XXXX XXXX XXXX XXXX has violated my rights. 

Account name : XXXX XXXX XXXX XXXX has violated my rights. 

Account name : XXXX  XXXXXXXX XXXX XXXX  XXXX has violated my rights. 

Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX  XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 inaccurate.
Product: Consumer Loan

I created a Paypal account a while back. I was using the traditional debit function only for a long time and it worked fine. During XXXX of my purchases in XXXX, after I logged into my account on the payment page, Paypal defaulted my payment option to Paypal Credit, which is a credit option they offer. In order to get around this default, assuming I noticed it, I would have had to know to go up to the top and select the " Change '' link next to " Payment methods '' in order to pay the traditional way. After that, a customer service rep. insisted that I had to have filled out information that set up my credit account ; however, I am very skeptical of this. I do not remember doing this, and I know that I would have stopped what I was doing had I known what I was doing. I asked if this rep. could prove in any way that I set up this account and he could n't. He also insisted that I marked that I wanted to pay with credit ; however, I had to explain to him that it was the default option. I went back and simulated another purchase. I did not have to make such selection ; it was the default method. When I started receiving statements, I looked on my activity page and saw that all transactions were completed. I just assumed that these were statements informing me of my activity. I saw no indication of an outstanding balance in my activity. Only when I got a paper statement, opened it up, and saw the amount due with a very expensive late fee did I realize that something was wrong. I am not sure if this practice is illegal, but it is certainly unconscionable.
Product: Checking or savings account

Hello my name is XXXX XXXX. Im making a complaint to citizens bank the reason why is because they hold my check saying its fraud, they reject and its still being hold. 
XXXX XX/XX/11 I think I received the check from a company that helps people with their rent. 
( XXXX rent relief ) Im currently was living in XXXX and was in out XXXX. So I got the check I mobile deposit it on the XXXX. Citizens accepted they check and cash it. I call chase it was cashed on the XXXX. They hold my check up until XXXX of XXXX. They said it was declined and reject getting sent back to the XXXX relief. So I call back they told me my check was still on hold so I need help. This bank is hold my money when Im behind on rent.
Product: Credit card or prepaid card

Bank of America let someone from XXXX XXXXXX/XX/XXXXopen up a fraudulent credt card number # XXXX in my name and steal {$11.00}, XXXX dollars off the card and now taking me to court for a civil summons lawsuit. I am a victim of credit card fraud and identity theft from the XX/XX/XXXX data breach. I have sent them police reports of the incident. Please I need help IDID NOT OPEN ANY ACCOUNT WITH THEM.
Product: Debt collection

Hillcrest Davidson & Assoc XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX According to the Texas Secretary of State Debt Collector Search site, this company has no active bonding company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, I got notified by my XXXX XXXX card that my XXXX XXXX had dropped significantly due to a late payment. 
After further investigation, I found that my GAP card was the issue. I called the number on the back of my card and it routed me to Barclay ( with whom I had never had any interaction ). Barclay had trouble finding my account because my GAP card number had changed - without my knowledge. 
A representative from Barclay told me that they had mailed me several notices that they were now the administrator of GAP credit cards. 
I explained to them that I had elected to have all of my GAP correspondence be electronic as I travel 90 % of the time for work ( GAP also strongly encourages their customers to sign up for electronic correspondence ). I had also recently moved. Barclay stated that they only notified card holders via regular mail. 
When I explained that without receiving any electronic correspondence and having my payments set up to automatically come from my bank account, I had NO clue that the administration of my GAP account had changed and I needed to make payments to them. The representative stated that there was nothing they could do to fix the error of reporting a late payment to Barclay, even though I had no knowledge of the change. 
If GAP wants all of their customers to sign up to receive all of the correspondence electronically and then fail to electronically notify me that I need to make payments to another company, I should not be penalized. 
I asked that the issue be escalated, and spoke with a supervisor who told me they can't correct the credit reporting error. 
I paid the account in full, and closed the account. 
I am formally requesting that the late payment report from GAP/BARCLAY to alXXXX XXXX credit agencies be removed immediately.
Product: Mortgage

I reference previous case number : XXXX. My present complaint is against SETERUS , Inc., a loan servicing company, to which the collections on a mortgage loan # XXXX, for property at XXXX XXXX XXXX, XXXX, CA XXXX ( " the Property '' ), was transferred in XX/XX/XXXX. The transfer was done by XXXX XXXX XXXX, XXXX. 
SETERUS has ignored the XXXX XXXX County Superior Court of California 's XXXX/XXXX/XXXX Divorce Dissolution Decree ( Case # XXXX ), in which " the Property '', and all its debts, was awarded to my ex-spouse, XXXX XXXX XXXX. Further SETERUS, has ignored the Court 's XXXX/XXXX/XXXX Order, that " the Property '' be sold. SETERUS has also ignored the Interspousal Transfer Deed, transferring title to XXXX XXXX XXXX XX/XX/XXXX. 
SETERUS continues to post delinquent payments to my credit report, so that I am unable to obtain credit. 
Resolution : That SETERUS, Inc., immediately remove any negative reports made to the Credit Bureaus, using my social security number, name, etc.,. That SETERUS, Inc. obey the Court 's Orders, and cease their harassing behavior toward me ( rude phone calls/notices ). That SETERUS, Inc. pursue the legal owner of " the Property '', XXXX XXXX XXXX, who still resides there. ( I have not resided there for almost three years. )
Product: Mortgage

I have a total of five loans with Shellpoint. 
The last two loans I acquired this year are loan numbers XXXX and XXXX. After these loans transferred from the original servicer, and I started making payments, I set both of these accounts up on autopay as I have done in the past with the three other loans I have ( loan # s XXXX, XXXX, and XXXX ) Both accounts were set up through the same account at my bank which is an account ending in XXXX. Loan number XXXX debited for the first time on autopay on XX/XX/2020 in the amount of {$1200.00}. The second payment was posted for {$1200.00} on XX/XX/2020 and a third payment was debited on on XX/XX/2020 for {$1200.00}. 
On two occasions I was told by a Shellpoint representative that the autopay had not worked for loan number XXXX. I asked them why it was working for loan number XXXX but not for loan XXXX. I was told the first time it didnt work that one of the numbers may have been transposed so I was instructed to set up the autopay again. I did again and was very careful to make sure all of the numbers were correct with the account number and the routing number. The following month I had the same result and noticed this before the end of the month to avoid a 30 day late on my credit. I was instructed to try it again and that I could follow up again to make sure that the account information was correctly inputted. I was concerned because I hadnt received any notification that the payment hadnt gone through. I was told that Shellpoint would notify by the grace period if a payment hadnt been made. I set the autopay up again and contacted Shellpoint a third time to verify that all of the numbers were correct. I was told that it had been and that the autopay would work. On XX/XX/XXXX, I noticed that a payment had not been made for XXXX and contacted Shellpoint again. I was told by a representative that because the autopay had not worked two consecutive months, that I was not able to use autopay and I s shouldnt have set it up that third time. When asked why I hadnt been contacted to know about the late payment, I was told that there had been calls made to me and letters sent. I had not received any letters to that point and never had received any voicemails. 
I have never had a 30 day late on any of my mortgages with Shellpoint and ask that the 30 day late for XXXX be removed from my credit report.
Product: Student loan

I just wrote up a XXXX description and it is now ALL GONE!!!!! THANKS!! I really appreciate wasting my time on writing information you request, and when I continue, there is pop ups, then I close them, and now the page goes somewhere, I go back and have to start all over!!! 

I will be brief, since I wasted my time already. 
I am being harassed by Educational Computer Systems , Inc. ( ECSI ). Upon getting numerous postal mail, I sent a certified letter to them telling them to resolve the situation to take me to court. Otherwise and more correspondence would be an act of aggressive harassment. Which they have had done a few times. I told the I do not owe ANY money and that I can prove, instead I get the attitude when I called that they are the " FEDERAL GOVERNMENT '' and that I have to pay, because that 's what it says on a piece of paper or computer screen. I know the federal government is bunch of basket cases, ( whole reason why I have to write this ) and very incompetent as well. With this being said, there is other debt from the student loan that I do not owe money and can prove it. However, it goes on deaf ears and I am suffering the consequence of the perfect example of incompetence in the workplace. 
Furthermore, if you look at the attach document of " Statement of Account ''. If someone with half a brain that understand how XXXX, then why did a senator not see it, when I bluntly told him? It states right on there, {$550.00} for XXXX or {$330.00} for XXXX credit hours. I show credit hours of XXXX! Nonetheless, $ XXXX $ XXXX {$880.00}. Now in reality, I should have been paying {$330.00} for the XXXX credit hours at {$3900.00}. Instead I owe {$6300.00} and an additional {$360.00}, in order to continue! 
You have had time to look over these documents. YOU, meaning the GOVERNMENT! I even went as far as contacting the FBI, but still since I am one person, I am disregarded!
Product: Credit card or prepaid card

On XX/XX/2023, I received an email from Wells Fargo stating that my credit card request was approved. I received a follow up email stating that my balance transfer had been approved, from an account that is not mine. 
I forwarded these emails to the email address listed on the wells fargo web page : If you did not respond, forward the suspicious email/text message to reportphish@wellsfargo.com No response! 
On XX/XX/XXXX, I called Wells Fargo and was routed to somone who took all of the information, and confirmed they had opened an investigation and the card would not be activated. They also stated that I would receive a follow up call to collect additional information if needed. The number called was XXXX. 
No response! 
On XX/XX/XXXX, I received a new credit card in the mail, and a letter from Wells Fargo regarding my credit report. I immediately called the number on the card and was told that the card was active and my balance transfer was approved. 
I stated that this is fraud and the card was not requested by me. I was transferred to another person who again asked the same questions as the person I spoke with the previous week. There was no record of my previous call, according to that rep. 
They then asked if I wanted to keep the new card and keep the account open. 
I may have yelled at this point, as I had clearly never wanted the card, and did not request it. They confirmed that the account is inactive and the balance transfer would be denied. 
I have no faith that they can handle this, and assume that they are just creating new accounts for customers without their permission.
Product: Credit reporting or other personal consumer reports

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g, I requested validation to Eastern Account System of Connecticut , Inc. of this alleged debt ( XXXX XXXX XXXX  ( Account Number : XXXX ) /Re : XXXX which they have failed to provide proof, i.e. AGREEMENT THAT GRANTS THEM THE AUTHORITY TO COLLECT THE ALLEGED DEBT, THE MASTER BILL OF SALE as it did not include any documentation supporting the validation of the debt KNOWING THAT THEY ARE NOT even authorized to Conduct Business in the state of Florida. I am also including the cease and desist letter sent to them dated on or about XX/XX/year> XXXX
Product: Credit card or prepaid card

I received a credit card with $ XXXX line of credit from Bank of America ( Allegiant branded card ). I do not hold any active accounts with BofA and did not apply for this card. I called to inform them it was opened fraudulently. I was informed this was a common means of other countries trying to " ruin the USA. '' I was told the account would be marked fraud, but that I wouldn't receive any proof of this. I was told there would be a " CSI Form '' filed but I could not have a copy. I asked to speak to someone about the fraud. 

I was transferred to another dept. That department told me that the first rep did not close my account or mark it fraudulent, so I would need to be transferred back. 

I was transferred back and have been on hold for 37 minutes now. 

I attempted to dispute the inquiry on XXXX but can not do so online.