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 violates the Consumer Financial Protection Act ( CFPB ). Specially, 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 Electric Fund Transfer ( EFTA ) and Regulation E. These actions have caused a significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I am writing to dispute and request the immediate removal of fraudulent accounts from my credit report. Upon contacting XXXX XXXX, they confirmed the validity of the identity theft report and assured me they would remove the fraudulent accounts. Despite encountering system issues, they can not provide records. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

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 an account without my written instructions.

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.

15 USC 6802 Obligations with respect to disclosures of personal information ( b ) You Reported my NON-PUBLIC PERSONAL information to a NON-AFFILIATED THIRD PARTY. 

To date, I have not granted you or XXXX XXXX XXXX XXXX such authority. This is a violation to my consumer rights. By federal law you are required to remove the accounts from my consumer report. 

XXXX XXXX XXXX - Late payment reported on XX/XX/XXXX XXXX Credit Card - Late payment reported on XX/XX/XXXX
Product: Debt collection

If payment is late, the company calls every day at least XXXX times a day until payment is made. The company has even called at XXXX to collect debt.
Product: Credit reporting

I have reviewed my credit information on the XXXX XXXX and noticed XXXX address is in correct. I have never lived at XXXX XXXX XXXX XXXX XXXX, AZ XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX681 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: Credit reporting or other personal consumer reports

Experian, XXXX of the leading global information services groups, experienced a significant data breach in XX/XX/year>. This breach exposed the personal information of millions of consumers due to unauthorized access to data from a server that contained information
Product: Mortgage

We want Bayview to follow the stipulations of settlement agreement ( attached ). Every time we call in to Bayview the SPOC is not available and we get a different answer regarding the settlement. Most recently, we spoke to Bayview and their rep didnt know anything about the settlement agreement and refused to run this file through a loan mod, as required according to the settlement agreement. Bayview is also stating there is not enough time to run it through a settlement agreement, even though we submitted the full package to them on XX/XX/ well over a month ago. 


How is it that no one at Bayview realizes there is a settlement agreement, when Bayview is the one that refused to speak to us because it WAS in a settlement agreement and was being handled by their attorney?? 

We just want Bayview to follow the stipulations of the settlement agreement and review this file for a loan mod.
Product: Mortgage

Hello, I received an email from Wells Fargo informing me not to pay for 90 days and that those payments will be adjusted somehow. Here is the email ; Dear XXXX XXXX : Were here to help. 
Were reaching out because you are potentially located in a FEMA declared disaster area. Hurricane Irma left extensive damage in your community. Our thoughts are with you and all of those impacted.  Were you impacted by Hurricane Irma?

If you arent able to make your normal payment, we have taken proactive steps for customers in FEMA declared areas by placing a 90-day payment relief period on accounts to assist. This includes : We will not assess late charges. 
We will not report any negative information to the consumer reporting agencies. 
We will work together over the next 90 days to discuss options available on repaying any payments missed during the 90 days as there are many options depending on each individual situation. 
We encourage you to continue to make your payments if you are able. 
Sincerely, XXXX XXXX Senior Vice President, Customer Service Wells Fargo Home Mortgage Then I received a letter saying that XXXX XXXX was actually my lender and Wells Fargo is just a servicer, and payment is due to be current which was {$2800.00} on XX/XX/2017 or I would be in FORECLOSURE. Each mo. is XXXX, and the next mo. was due in 3 weeks. I made the payment after selling many items and it completely wiped me out financially. Since then I have been late in XX/XX/XXXX & XX/XX/XXXX w/fees and it has been reported to creditors. Even one of my credit cards was deducted b/c of my credit report from XXXX to XXXX caused by Wells Fargo. I have emailed them about this problem and they say to call, but then when I do the department that handles certain situations are always closed. BTW, I am currently up to date on my payments, but with a leaking roof, flooded walls and floors, and destroyed fencing. 

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

FTC VIOLATION ON THE REPORT AND LISTED HERE : NEVER LATE XXXX XXXX XXXX XXXX FTC XXXX XXXX L ALL FTC CREDIT COLLECTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX  INQUIRES : XXXX XXXX XXXX ALL NEED TO BE REMOVED
Product: Mortgage

In XX/XX/XXXX ( dates are best estimates since the messages have been removed from my online portal with Newrez ) I submitted a request to have my home value reviewed for removal of PMI. I sent payment of {$150.00} for the broker 's opinion required for review. This check ( check number XXXX ) was debited from my checking account XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX reached out about doing the home value review. I got this scheduled and XXXX XXXX from XXXX XXXX came out to my home and took photos. He said he couldn't discuss home value with me, but that I could contact my mortgage company after he submits his assessment and I could get a copy of it. On XXXX, XXXX, XXXX, Newrez sent a letter stating my PMI removal request had been denied for one of five possible reasons and gave no specifics as to why. The only reason that could have applied to my situation is that the home value assessment wasn't high enough for removal ( LTV still above 80 % ) since the other reasons had to do with delinquency, etc. I called Newrez after receipt of this letter and asked for specifics on why my request was denied. The CSR said that it must have been too low of a value, but did not give specifics. I asked him for a copy of the assessment and he said it would be at my house in 7-10 days. I never received it. The end of XXXX or very beginning of XXXX, I sent a request to Newrez through the online portal asking for a copy of the assessment and haven't heard anything from them. 

This morning, XX/XX/XXXX, I received a home equity marketing email from Newrez ( which I frequently get ) stating my home 's estimated value is $ XXXX. The necessary home value needed for me to reach a LTV of 80 % for PMI removal is only $ XXXX. I'm getting mixed messages from them. They want to lend me more money on my home, but then won't remove the PMI. 

My complaint is : I believe the assessment on my home is low and would like to see a copy of the assessment. 
I never received the assessment after multiple requests. 
If they are going to estimate my home 's value at $ XXXX above what I need for PMI removal, they should remove it. They're quick to want to make money, but don't want to actually service the loan properly.
Product: Debt collection

This dept collector Organization acquired a judgment order from XXXX court Colorado - stating ... Failure to appear judgment in favor of this debt collector- from what the dept collection organization provided for them that I owed someplace around {$2000.00} plus {$3000.00} in extra fees ... This debt collector organization also said that they had served me a notice to appear ... And when I asked him to give me a description of who they served it was totally not me ... They describe the person they served as XXXX, and approximately XXXX years old in which I am neither - not even close ... They said this judgment order was legal document to my bank - XXXX XXXX - The bank verified it been a order then put a freeze on my bank account & within a few days {$5000.00} was taken out of my account ... and within one week the money was completely gone ... I called the bank and all they could tell me is to call the deck collector in which they Gave me the number, in which I called only to get a answer machine. When the money was lifted out of my account by the collector ... Then I received a letter notifying me of the court order and that I still owed a XXXX totaling around XXXX XXXX XXXX XXXX dollars. After calling the dept collector to get the information on the reasons for this debt they described at that time they served A gentleman at XXXX years of age -approximately ... I said well that was n't me and they said well that 's the last place we have any information on you and for the courts that 's good enough ... I asked him who I supposedly owed the money to make stated XXXX ... I have never done any business with the XXXX. So as it stands my money is gone ... I was never was served to appear in court ... And I have no documents for this money being loaned to me or whatever to date ... I 've tried to get the information on it and the only thing they can say is that all information provided over the phone will be used against me ... so I 'm reluctant to give them any information since they seem to me to be crooks - not to be trusted ... My bank says that they had a legal order ... So how do I find out what this original {$2000.00} this debt collection organization they said I owed is all about.
Product: Credit reporting or other personal consumer reports

these companies are reporting fraudulent inaccurate information on my credit report i have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me. 

I also requested a XXXXXXXX XXXX  and purchase agreement nothing was provided. 

in accordance with the fair reporting act this creditor has violated my rights under 15 U.S.C 1681 SECTION 602 I STATES THAT I HAVE A RIGHT TO PRIVACY.

15 U.S.C 1681 604 ( A ) ( 2 ) STATES THAT REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Consumer Loan

I have been recently checking my credit reports and I have found that Automobile Acceptance has reported inaccurately among the XXXX credit bureaus, XXXX, XXXX, and XXXX. My credit reports show on XXXX as never been late for XX/XX/2016, but XXXX and XXXX show late. This information on XXXX and XXXX is being reported incorrectly.
Product: Debt collection

The debt was at the address not associated to my name or date of birth.
Product: Mortgage

My mortgage was recently transferred to this servicer and my second payment was increased over $ XXXX. I made two attempts to both get an escrow analysis to understand why it increased so much as well as asked to spread the increase out over time and neither request was followed up on or completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that a proper investigation of my accounts was not done In Accordance With the Fair Credit Reporting act. these accounts can't be open and closed at the same time. These accounts need to be deleted. I want a line by line reinvestigation on the accounts listed below. The accounts listed below have also violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, they are show inaccurate information. XXXX  acct # XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXX acct # XXXX violated my federally protected rights. 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 an account without my written instructions. I never provided written instructions to furnish these accounts. I need the following incorrect names removed from my credit report too : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ).
Product: Debt collection

MIDLAND CREDIT MANAGEMENT REPORTED A COLLECTION ON XXXX XXXX WITH A DOLLAR AMOUNT OF XXXX. I HAVE NO KNOWLEDGE OF THIS DEBT. THIS COMPANY ALSO IS NOT LICENSED IN NEW YORK TO COLLECT A DEBT. I AM NOT SURE IF THIS IS A SCAM OR NOT BUT IT SIGNIFICANTLY HURT MY VREDIT SCORE, AND I DIDNT HAVE A CHANCE TO DISPUTE IT
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

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: Debt collection

This company took me to court over this debt. The debt amount is incorrect due to the fact the original creditor XXXX XXXX  was sued for not allowing its customers access to the website to pay their bills which resulted in late fees and higher interest being wrongfully charged. The company was sued in a class action lawsuit
Product: Checking or savings account

1. XX/XX/23 ; Deposited XXXX Check for {$24000.00} to account my Wells Fargo savings account and another {$24000.00} to my wife 's W-F savings account. 
2. XX/XX/23, XXXX XXXX., the bank sent email telling both the savings accounts and our joint checking account have been closed. 
3. XX/XX/23 ; XXXXXXXX XXXX. W-F representative said our account at XXXX can not be verified. 
4. XX/XX/23, few minutes later I called XXXX and were told our XXXX account is fine and has sufficient balance to pay both checks. 
5. XX/XX/23 ; XXXXXXXX XXXX. Called W-F customer service center but it was closed by then. 
6. XXXX processed both checks night of XX/XX/23 XXXX, XXXX XXXX XXXX sent emailed hold alert. 
8. XXXX ; XXXX a.m. sent email saying we have- {$24000.00} balance on my wife 's account ( meaning XXXX placed two holds in stead of one ), and - XXXX balance in my account ( meaning XXXX placed three holds in stead of one ). 
9. XX/XX/23 ; made an appointment with W-F banker and saw her at XXXX XXXX. She couldn't help because fraud center won't accept her call. 

These events caused nightmares for both my wife and me and delayed our vacation. W-F customer service representative said bank can close the account without any reason. They won't give details about the phone call to XXXX. XXXX couldn't find any record of call from W-F. They admit the placed too many holds on our account but no apology or compensation. No reason for closing our joint checking account which is open for about 37 years. I believe XXXX is not truthful when saying XXXX couldn't verify our account.
Product: Debt collection

Gurstel law firm  continues to send request to pay alleged debts that were due to fraud including amended complaint to the XXXX  DISTRICT COURT in XXXX  UTAH. XXXX   XXXX has all the police reports and FTCID theft reports XXXX. DELIVERED XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

Hippa Violation!!! I never signed anything too release my information too a collection agency and or 3rd party
Product: Money transfer, virtual currency, or money service

BlockFi is not completing any of the crypto withdrawals I started, they are keeping the crypto XXXX and not transferring them to my external wallet
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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.

The information that is shown about this fraud bankruptcy on Equifax and XXXX is completely inconsistent. Equifax says the date filed was XX/XX/2019 and XXXX says it was filed XX/XX/2019. They also both have different reference numbers. Lastly, XXXX says the Court is US Bankruptcy Court, while Equifax says it's Federal Court.
Product: Credit card

I applied online credit card for Milestone through XXXX XXXX XXXX  but it got declined. But later they sent me a new credit card for {$300.00} without my knowledge and charged me XXXX yearly fees I called them and told them why are you charging yearly fees {$75.00} for just {$300.00} credit card they told me to cancel it. I told them fine as I have not applied for {$300.00} credit card so please cancel it. But later due to there mistake now my credit score has come down and finding it difficult to apply for car loan with low interest. As I request you to do the needful since it is not my mistake and without my knowledge they had sent me the credit card.
Product: Credit card or prepaid card

My daughter and I purchased two pieces of furniture from XXXX XXXX XXXXXXXX ; a table with 4 chair stools ( {XXXX} ) and a Buffet Cabinet ( {XXXX} ) along with {XXXX} protection plan and tax {XXXX} for a total of {XXXX} on XX/XX/2022 using Synchrony XXXX card. Both items were delivered but the buffet cabinet ( {XXXX} ) was defective, so we rejected it and it was sent back to XXXX XXXX. The buffet cabinet listed on the invoice as the Console with 4 Mirror Doors was defective which we have video proof of, it was never accepted into my home. We only kept the table and chairs. We filed a XXXX complaint against XXXX XXXX because they were trying to charge for furniture we never accepted into our home and do not have possession of even now. We got the runaround trying to get the correct invoice. Finally through XXXX XXXX XXXX XXXXXXXX XXXX sent a corrected invoice, {XXXX}. We called Synchrony Bank, we have told them that the invoice of {XXXX} is incorrect. I was told it would be corrected. It still has not been corrected. I sent them an online message on their website along with the corrected invoice attached to the message to please correct the account balance to reflect the correct amount. Synchrony Bank is still charging me the amount of XXXX which is incorrect even by the XXXX XXXX invoice that I have also attached to this complaint against Synchrony Bank. I have also cancelled the Protection Plan with XXXX XXXX and have requested cancellation and refund. I am filing this complaint because I have not been able to get Synchrony Bank to fix this and charge me only for the products/merchandise that I actually purchased and received. Please see the attached invoice and please correct my Synchrony Card balance. Thank you!