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

I am filing a formal complaint against Cash App ( Block, Inc. ) for failing to prevent and address fraud on my account, leaving it vulnerable and unprotected. Despite reporting the issue, the company did not take timely or effective action, violating the Consumer Financial Protection Act ( CFPA ). Additionally, Cash Apps dispute resolution process was unfair, deceptive, and did not comply with the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions caused significant financial loss and inconvenience. I seek reimbursement for the fraud, a proper resolution to my dispute, and improvements in customer service practices to prevent such issues in the future. If not resolved, I will escalate the matter to the Consumer Financial Protection Bureau ( CFPB ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  This letter is my final communication regarding the account XXXX. On XXXX XXXX XXXX XXXX received correspondence from your company saying that you would cease communication and credit reporting until the account was validated. To date, the account has yet to be verified and it has only been removed from XXXX. I am demanding that this account be deleted from XXXX and Equifax immediately. I have repeatedly asked for evidence to support your reporting, but you have failed to provide me a copy of valid and viable evidence provided by the above-named furnisher. Furthermore, I have requested your method of verification and you have not complied, which is an additional violation. I contacted the original creditor, and they informed me that XXXX XXXX XXXX is not the company that XXXX XXXX sold the account to which I previously informed your company. The account was sold to XXXX XXXX then XXXX XXXX. Original documentation bearing my signature for this alleged debt was never presented. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA and FDCPA. Attached is the letter from the original creditor. Remove this account from my credit report within 7 days or I will be suing your company for false credit reporting, negligence, and defamation of character.
Product: Credit reporting or other personal consumer reports

These Accounts have violated my rights According to FCRA. 
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 THIS LETTER IS REGARDING THE ACCOUNTS LISTED ABOVE, WHICH YOU CLAIM IS A COLLECTION THAT I HAVE WITH YOUR COMPANY. THIS IS A FORMAL NOTICE THAT YOUR CLAIMS ARE DISPUTED. 
I AM REQUESTING VALIDATION, MADE PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT. PLEASE NOTE THAT I AM REQUESTING " VALIDATION ", THAT IS COMPETENT EVIDENCE BEARING MY SIGNATURE, SHOWING THAT I HAVE ( OR EVER HAD ) SOME CONTRACTUAL OBLIGATIONS TO PAY YOU. 
PLEASE ALSO BE AWARE THAT ANY NEGATIVE MARK FOUND ON MY CREDIT REPORTS ( INCLUDING XXXX, XXXX, AND TRANSUNION ) FROM YOUR COMPANY OR ANY COMPANY THAT YOU REPRESENT, FOR A DEBT THAT I DONT OWE, IS A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT FDCPA 807 [ 15 USC 1962e ] ; THEREFORE, IF YOU CAN NOT VALIDATE THE DEBT, YOU MUST REQUEST THAT ALL CREDIT REPORTING AGENCIES DELETE THE ENTRY. 
PENDING THE OUTCOME OF MY INVESTIGATION OF EVIDENCE THAT YOU SUBMIT, YOU ARE INSTRUCTED TO TAKE NO ACTIONS THAT COULD BE DETRIMENTAL TO ANY OF MY CREDIT REPORTS. FAILURE TO RESPOND WITHIN 30 DAYS OF RECEIPT OF THIS WILL RESULT IN SMALL CLAIMS LEGAL ACTIONS AGAINST YOUR COMPANY AT MY LOCAL VENUE. I WILL BE SEEKING UP TO {$5000.00} IN DAMAGES FOR : 1 ) DEFAMATION 2 ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD XXXX ) VIOLATION OF THE FAIR CREDIT REPORTING ACT AND FAIR DEBT COLLECTION PRACTICES ACT. 
YOU WILL BE REQUIRED TO APPEAR IN A COURT VENUE LOCAL TO ME, SINCE YOU ARE CLEARLY DOING BUSINESS IN MY AREA. 

FOR THE PURPOSES OF Q5 USC 1692 et seq, THIS NOTICE HAS THE SAME EFFECT AS A DISPUTE TO THE VALIDTY OF THE ALLEGED DEBT AND A DISPUTE TO THE VALIDITY OF YOUR CLAIMS. 
Please Note : THIS notice is ab attempt to correct your records, and any information received from you will be collected as evidence should any furthermore ACTIONS be necessary. This is a request for information only and is not a statement, election, or waiver OF status.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of 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  I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts, collections, or hard inquiries as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts and inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In a accordance with the fair credit reporting act XXXX  account # below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not
communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX
Product: Debt collection

I have been contacted by this debt collection company three times on XX/XX/2018. First call at XXXX, second call at XXXX, and third call at XXXX. The first caller refused to discuss the alleged debt with me until I verified my mailing address. I did not feel comfortable doing so without knowing what the call was about, and politely decline. 

The third call was with a woman who explained more about the alleged debt after confirming the last four of my social. I asked to communicate via mail only, and not to be called due to their current level of excessive calls. She stated they just sent me a mailer in a white unmarked envelope with details about the debt, which seems sketchy to me. She reiterated twice that I may mistake the mail communication as Junk Mail. 

When I requested a mailing address, she asked me why I need the information if a letter is already in the mail. I explained I want to send a cease and desist certified mail to have written documentation of my request, and she immediately started to speak fast. She claimed that she updated everything in the notes of my account, and I can call the number on my ID if I have questions and rushed off the phone. 

I dont think my request for the mailing address was unreasonable, and I have reason to believe that they intend to call me excessively. I also feel it is not legal to keep such information from the consumers with alleged debt.
Product: Debt collection

I have been contacted multiple time via phone call from this company regarding a debt they are trying to collect. I notified IC systems Inc. to no longer contact me through phone call but to contact me and validate the debt via mail they have failed to validate the debt it has been over five days since they have sent return receipt. And they just updated the collection to a chargoff when I notified them this is obscene profanity language being used and they are harassing me causing my anxiety to spike which leads to XXXX. I am trying to rent a home and this adverse information is causing my pain and suffering
Product: Credit card

Goldman suchs Apple card is charging me monthly installments from a XXXX transaction in XXXX I this transaction was cancelled I formed that that situation and they ignored That was a canceled purchase I did in XXXX XXXX. It was a monthly installment It was cancelled but i made 6 payments The first in XX/XX/XXXX then in XXXX XXXX to XXXX Then in XXXX XX/XX/XXXX got full XXXX charged back Correction XX/XX/XXXXXXXX XXXX  can see that at XX/XX/XXXX statement page 4 installment section Then statement form XXXX and XX/XX/XXXX shows a " cash charge back '' in. XXXX XX/XX/XXXX from {$630.00} Statement XX/XX/XXXX - XX/XX/XXXX Apple Card Monthly Installments Dates Description XXXX XXXX Apple Online Store XXXX XXXX  TRANSACTION # XXXX This month 's installment : {$53.00} This is your final installment. 
Amounts XX/XX/XXXX {$630.00} Total financed Total payments and credits Total remaining {$630.00} {$150.00} {$470.00} XXXX XXXX XXXX XXXX from Apple Card XXXX XXXX from Apple Card Monthly Installments Statement XX/XX/XXXX - XX/XX/XXXX Apple Card Monthly Installments Dates Description XXXX XXXX Apple Online Store XXXX CA TRANSACTION # XXXX This month 's installment : {$53.00}. 

XXXX {$150.00} {$470.00} XXXX XXXX XXXX XXXX from Apple Card XXXX XXXX XXXXrom Apple Card Monthly Installments Statement XX/XX/XXXX - XX/XX/XXXX Apple Card Monthly Installments Dates Description XXXX XXXX Apple Online Store XXXX CA TRANSACTION # XXXX This month 's installment : {$53.00} This is your final installment. 
Amounts XX/XX/XXXX {$630.00} Total financed Total payments and credits Total remaining {$630.00} {$53.00} {$580.00} NOTE : I sent all statements as proof or recharge chargeback and installment 4 times paid for something was cancelled they told me i have contacted the seller the seller telling me contact the credit card then seller and credit card are the same company
Product: Debt collection

This month alone I have been contacted 3 times to pay my mortgage with freedom mortgage. I have ask them to stop repeatedly. My bill is due on the XXXX  and I have paid on the XXXX for the past 3 years. Every month. I get calls every constantly reminding me to pay. My mortgage is not late until the XXXX of the month. I shouldnt be getting this many calls from a company when I pay my bill and have for the last 3 years on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted numerous disputes with XXXX, Exquifax and XXXX regarding a predatory loan that was paid in full via auto bank draft withdrawals and even after providing proof of all payments made, the aforementioned credit reporting agencies did not delete the erroneous information.
Product: Mortgage

The 30 day lates ( XX/XX/19, XX/XX/19, XX/XX/19 ) still shows me delinquent on all XXXX  XXXX and XXXX XXXX credit bureaus. This loan was paid in full by XXXX XXXX  via transfer. This is affecting my credit score and my ability to refinance. 
Please investigate and have this fixed and show the account paid.
Product: Credit reporting or other personal consumer reports

I've noticed errors on my credit report under 15 USC 16c-2. The inquiries shown weren't authorized, and they're negatively affecting my credit. Please remove all unauthorized hard inquiries. Thanks!
Product: Debt collection

XX/XX/XXXX I was billed {$1400.00} I logged into XXXX, the portal I am able to view and pay my medical bills through. I began making monthly payments on the bill above. That bill then went into dispute, or reevaluation for coding. So I only had made one payment toward that bill prior to reevaluation of : {$25.00}. I was hospitalized with a XXXX XXXX XX/XX/XXXX of XXXX, accumulating more bills within my XXXX portal. I began paying monthly on them. I received an email stating that I was able to sign up for a program called XXXX where they would tell me what to pay monthly. It was listed as optional. I have attached the screenshots from that email. I decided that I knew my financial ability and status better than them, so I never signed up for the XXXX program. Apparently XXXX XXXX department automatically took that bill from XX/XX/XXXX and enrolled me in XXXX of XXXX, when the reevaluation of coding came through. By them enrolling me in XXXX, my bill of now {$1300.00} no longer appeared in/on my XXXX portal where ALL of my other and remainder medical bills were listed and being paid on. So when I called in XXXX of XXXX to pay ALL of my medical bills in full that one bill of {$1300.00} was not included in the lump payment I made, unbeknownst to me. I had no idea I had a large medical bill removed from my XXXX and no idea it was not included in the lump payment I made to XXXX. So now as of XX/XX/XXXX I was sent to XXXX collections agency for the {$1300.00}. I clearly was making good faith payments on all of my medical bills, never requested a third party to take over managing my bill collection and I attempted to pay all my bills in full on XXXX. I feel as though XXXX is deceptive with the XXXX program, especially automatically enrolling ONE of my bills in it and REMOVING said bill from the patient portal we are instructed to utilize. XXXX is suppose to be a one stop shop, until they remove your bills unbeknownst to you and then send you to collections for no payment. 

Then XXXX sold my debt after this was originally settled via XXXX XXXX in an attempt to collect again. It is on record that XXXX XXXX hospital advised XXXX to stop collection on this debt. Now I am being harassed by XXXX XXXX XXXX. I attempted to inform XXXX XXXX XXXX about this previous report about shady collections on the part of XXXX XXXX and then OneAdvantage, but they ignored my written submission that included this report. 

This debt was shady from the start, as I paid my accounts in full, not aware that they moved a bill to another account that I had no access to. I am tired of fighting this unfair fight. Check my account with XXXX XXXX I am paid in full as I have always been. This is shady business deals, I never gave consent for any bills in my name to be moved to another account. 
I NEVER ENROLLED in XXXX. Ive attached that their own email states that it is optional and all I have to do in enroll to get started.
Product: Mortgage

I reached out to us bank for help with my mortgage. They referred Me to a company that me be a scam instead of offering me there options now I'm out of XXXX dollars are promises to save my home by paying them. I have XXXX kids and I really can't afford to pay for help when it should be free. Why would my bank referr me here?
Product: Credit reporting or other personal consumer reports

The following inquiries on my credit file are a result of fraud. Please remove these hard inquiries. I have also filed a complaint with the FTC which only allowed me to add some and not all inquiries 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 XXXXXX/XX/XXXX
Product: Debt collection

This is to address the response from Midland Credit Management provided on XX/XX/XXXX. To reiterate, Midland Credit Management did not contact me to obtain my correct address, which was different during XX/XX/XXXX. This lack of due diligence did not provide me with an opportunity to resolve the debt before it was reported to my credit file. This has caused severe damage to my credit file and did not provide me with a fair resolution. 

As stated in the response, Please note that during our investigation of this matter, we notified the credit reporting agencies to cease reflecting the collection tradeline on your consumer credit files. Given this, please provide documentation to show that the credit reporting agencies have been notified and an expected timeframe for when the XXXX collections reported by Midland Credit Management will be removed from my credit file. 

This serves as an urgent request. 

Thank you for your prompt attention to this matter.
Product: Vehicle loan or lease

Recently opened a monitoring service and seen that there is this Vehicle loan for {$5000.00} from 2013.I have no association with this loan and have tried to dispute and work this fraudulent loan out with the creditor. The creditor has done nothing to remove this fraudulent loan.
Product: Credit card or prepaid card

The problem I keep having is that when I receive my monthly statement it doesn't coinside with any of records. The statement I received is completely off by sometimes hundreds of dollars that seems to keep vanishing and the last time I spoke to someone about it they couldn't figure how or why it literally went for example XXXX down to XXXX dollars without any type of monies ever been transfered or withdrawn or made a purchase with said card. Now I can show the records if necessary to you.
Product: Student loan

Sallie Mae is a Scam the ask for many cosigners and all your information to denied and the interest rate is fraudulent they offer 1.25 % and you have 25 % charge in the account Is SCAM and they get all your and cosigner personal information fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as XXXX 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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: Credit reporting, credit repair services, or other personal consumer reports

This is regarding my XXXX Inquiry on XX/XX/2017, this complete unauthorized inquiry and not have my permission, please look into issue and remove it from my credit report from Equifax as soon as possible. they are not responding to my inqury.
Product: Credit card

Background : My credit score is over 800 and my credit card applications are always approved. I also have a checking account, savings account, and credit card - all with Wells Fargo. 

On XX/XX/23, I applied for the Wells Fargo XXXX XXXX XXXX XXXX. Application Reference # XXXX On XX/XX/XXXX, Wells Fargo informed me that they needed me to fax them a copy of my ID and two proofs of address to them. The Wells Fargo phone representative confirmed that my other bank credit card statements were acceptable proof of address. On the same day, I sent Wells Fargo a copy of my driver 's license and credit card statements from two banks. 

On XX/XX/XXXX, Wells Fargo informed me that they actually needed non-credit card bank statements. Wells Fargo would not accept my credit card statements as proof of address, contrary to what was told to me on XX/XX/XXXX. 

On XX/XX/XXXX, I faxed Wells Fargo my driver 's license and two sets of my bank statements- one from XXXX  XXXX XXXX and one from XXXX XXXX. 

On XXXX, Wells Fargo informed me that they had accepted my ID and XXXX  XXXX XXXX statements. The Wells Fargo representative claimed that the XXXX XXXX statement was unreadable and requested another bank statement. 

On XXXX, I faxed Wells Fargo my bank statements from XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX, Wells Fargo informed me that even though they had successfully reviewed my XXXX XXXX bank statement, they could not approve my application. The Wells Fargo representative suggested that I send over a utility bill. 

Wells Fargo requested two sets of my bank statements as proof of address in order to approve my credit card application. Wells Fargo successfully received and reviewed my bank statements. 

Since I met all of Wells Fargo 's requirements including my 800+ credit score, I believe Wells Fargo is discriminating against me by refusing to approve my credit card application.
Product: Mortgage

I had spoken with this company due to an issue that they still have an issue with communication. XXXX of their managers was having the stop to report to credit done this man 's name was XXXX he stated that he had them stop from reporting and that he would have this done for XXXX days. Literally days later as we are trying to refinance this away from this place late hits keeping us from being able to get this lower rate locked in. I reached out to the company and no response and have used the CFPB XXXX other times with this same complaint. 

I then reached out to them again and they acknowledge that they said it would be XXXX days and that all that I can do is dispute the claim taking that much longer, that information was given by XXXX when I declined to dispute their issue that they should be correcting. i also sent an email to XXXX XXXX XXXX who is the XXXX of this company along with XXXX and received no response from either. I have sent XXXX Emails to both of them and have never received a response from anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries included as a attachment in this complaint