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

I am filing a com ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

got copy of credit report was inaccurate i do not recognize this account
Product: Mortgage

I wanted to refinance my home mortgage and after some shopping around I decided to apply with XXXX XXXX at XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. He started the process and I provided him with all financial documents he asked for. He quoted me 30 years fixed at 2.50 % with XXXX cost to the borrower. I asked him to lock the rate for me, but he told me not to worry and that he'll guarantee the rate. I told him every time I refinanced they lock the rate for me, he again said not to worry. I do have email communication from him and below are what he told me in the email : " Regarding the lock, we wait until the underwriters have verified your information before locking technically. However, I stick to my quotes and will honor the rate I gave you initially. '' Here is another email he sent me telling me why they don't lock the rate and telling me at the end I will get the 2.50 % rate : " The reason is that because we lock for a shorter period of time, we are able to give lower rates to our borrowers. It is part of why we have some of the lowest rates in the state. On top of that, because of COVID, the notaries are charging more and giving us less time to schedule so we have to wait until everything is ready before we schedule with them and all has to be done within 21 days of locking. So there are many reasons, but in the end it benefits you the most. You still get your 2.5 % either way, it is just a matter of waiting until the right time. Let me know if you have any more questions. Thanks. '' After all that the rates did go up and he wasn't able to keep his promise and I had to cancel my mortgage refinance application. This is very unfair and I think they should be penalized for what they did.
Product: Vehicle loan or lease

I leased a car from Lexus and in order to make the monthly lease payments, Lexus assigned an account number. I began making the monthly lease payments on XX/XX/year> of {$460.00} to that assigned account number. I made a second payment on XX/XX/year> of {$460.00} and enrolled in the Lexus auto-payment program after I paid. On XX/XX/year>, I received notice from Lexus Financial Services stating that I did not pay the owed lease payments totaling {$960.00} ( including late fees ). Once I received the letter from Lexus, I made the payment they alleged I did not pay the required amount. I paid a total of {$1400.00} to include the {$960.00} plus the XXXX lease payment. This is also when I realized that Lexus had changed my account number in their system and failed to close out the " inactive '' account. Note, I only have leased XXXX car with them so having XXXX account numbers is confusing to the average consumer. Therefore, the payments I made in XXXX and XXXX went through my original Lexus account and not the " new '' account number they assigned me and Lexus believes I defaulted in my lease payments. Lexus then reported it to the credit bureaus. When I tried to resolve this matter through Lexus Financial Services, and provided proof of timely payment, they refused to do so stating that I had not paid. I have printed proof that I have made the payments, and the receipts show the different account numbers that were assigned to me, but that I was not notified of. I also set up auto-payment but they refused to acknowledge it. When I contacted Lexus, they refused to rectify this mistake. Although they acknowledge that they had assigned XXXX different account numbers for the one car lease, they refused to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 4 address on my credit report that I have never lived at on my credit report with XXXX.Also the companys that are reporting these address also have collection accounts in my name as well as the incorrect spelling of my name and the wrong names.I have reached out the these companys with no resolution.
Product: Credit card or prepaid card

I made an online purchase at XXXX. They shipped out my purchase and it was to be delivered XXXX - I got a call from XXXX  around XXXX asking if I got the package and I told them that I did not. the next thing that I know - XXXX  updates the tracking number saying that it was delivered on XXXX and that I signed for it. I called XXXX and the shipper asking for my AUCTAL signature ( you sign a digital pad/or they take a photo of the package on the doorstep ) to this date they still can not do that. I have tried to explain that I work Monday - Friday XXXX and there is NO way that I signed for this package. I was denied over and over... So i called Synchrony Bank and filed a dispute with them. They keep telling me that I signed for this package and they siding with the shipper. All that I am asking for is show me who signed for it. 

Fast forward to XX/XX/2023. I get a letter from Synchrony on XX/XX/2023 that a credit in the amount of XXXX will be credited to my account on XXXX. This still has not happened. I called the bank yesterday and spoke with a Supervisor and he said that no credit will be issued. 

They can not give me a reason as to why they are not honoring the letter that I received. 

I don't understand any of this. Why is it that just because XXXX says that it was delivered and they cant show proof of that - I am out the money and the package. I explained to XXXX at the bank yesterday, that i have never had an issue in the past and that i have purchased more items from that location from XXXX 

I just want this taken care of - I would like the credit that they said was going on my account.
Product: Money transfer, virtual currency, or money service

I ams writing to formally express my concern a regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuits highlighting significant issues within the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claim adequately. I was informed that recovering lost funds was impossible and tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit card or prepaid card

I bought a non-reloadable visa prepaid card issued by US Bank National association ( " XXXX XXXX  '' ). I can not either register online or use it to purchase in store. 

I called their customer service and they told me that they could not access to the account. There is no other way to contact them.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXXXXXX Balance : {$250000.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

I signed up for a 0 % APR for 12 months offer beginning on XX/XX/XXXX and ending on XX/XX/XXXX. I have retained evidence of the contract in writing. I should also mention that I am a law professor and specialize in contract law, so I am a sophisticated party. Wells Fargo has confirmed these dates as well in writing. However, I was charged interest on XX/XX/XXXX and XX/XX/XXXX, and XX/XX/XXXX. This is in breach of my contract and unlawful pursuant to the Federal banking laws. I am due a refund from this bank.
Product: Mortgage

Went through a company called Mortgage Lenders of America LLC. We listened to the lady on how we were going to set a plan to fix the credit score. So we paid off all our debt. First mistake in which she admitted to was that she ran my credit too many times and without authorization. Final result in my family losing the house we wanted and right before XXXX. I tried calling multiple times as did my realator and this company will not return any calls.
Product: Credit reporting or other personal consumer reports

Transunion XXXX XXXX XXXX XXXX PA XXXX Subject : Final Demand for Compliance with Opt-Out Request Pursuant to 15 UCC 6802 Dear Sir/Madam, I am writing to you regarding a matter of utmost importance concerning my consumer rights and obligations under the Uniform Commercial Code ( UCC ). As per my Opt-Out Notice pursuant to 15 UCC 6802, I have formally requested the removal of reported information from XXXX XXXX XXXX from your records. 

Despite multiple requests made by me, XXXX XXXX, Transunion Credit Bureau has failed to comply with my lawful request to remove the reported information from XXXX  XXXX XXXX. It is evident that your refusal to adhere to my request constitutes a clear violation of both my consumer rights and the UCC law.

I hereby issue this final demand for Transunion Credit Bureau to immediately cease and desist from any further delay or refusal to remove the reported information from Bank of America in accordance with my Opt-Out Notice. Failure to comply with this final demand will leave me with no choice but to take legal action against Transunion Credit Bureau for blatant violation of my consumer rights and the UCC law.

I trust that you will treat this matter with the urgency and seriousness it deserves and take immediate steps to rectify the situation. Please acknowledge receipt of this final demand and confirm your compliance with my Opt-Out Notice within XXXX  Days.

Thank you for your prompt attention to this matter. 

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

This complaint is regards to late/missed payments reporting inaccurate on my consumer credit report.Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. 
ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible acturacy of the information concerning the individual about whom the report relates. 

I have attached a screenshot shot of my credit report highlighting the errors and inaccuracies.
Product: Vehicle loan or lease

My complaint is about Refinancing a vehicle ( XXXX XXXX XXXX XXXX ) through PNC Bank, PNC bank then sent a check to XXXX XXXX for the pay off, however they sent the check to the wrong account. 
This leading to it effecting my credit drastically. 
I refinanced my vehicle XX/XX/XXXX. XXXX specialists name is XXXX XXXX. 
Address is PNC bank XXXX XXXX XXXX XXXX PA XXXX Since refinancing on XX/XX/2018 I have received XXXX billing statements from XXXX XXXX. The first bill was a general bill, ( when reviving the first general bill without late fees and charges I immediately reached out to XXXX XXXX. I then continued to receive bills from XXXX, the second and third bill both had late fee charges making my account passed due when all of this should have been paid off by PNC bank. 
XXXX XXXX is stating they are not at fault for my credit dropping because they can no longer locate the check PNC bank incorrectly sent out to the wrong account, which means PNC would be at fault for all the issues I am having since refinancing with PNC bank. 

XXXX XXXX was contacted again XX/XX/XXXX to inform him of the late payment notice from XXXX financial. 

On XX/XX/XXXX he replied stating he spoke with XXXX XXXX and stated nothing negative would happen to your credit XXXX. 

On XX/XX/XXXX you received the notice and I called PNC and spoke to XXXX in the escalation department. She stated she would get the loan and your credit XXXX corrected. Havent heard back from yet. 

It is now XX/XX/XXXX and I have received yet another bill from XXXX financial to bring it to a grand total of {$630.00} and my credit is still being effected. 

To date the loan is in default and impacting my credit XXXX despite the conflicting responses from PNC. 
Also noting that I have paid XXXX LOAN payments with PNC Bank since XX/XX/XXXX when refinancing my vehicle through them.
Product: Credit reporting, credit repair services, or other personal consumer reports

How you doing my name is XXXX XXXX & I have been in contact with the creditors as well as the credit bureaus to remove existing accounts from my credit report. It has been over 30 days & they have not been able to verify my accounts nor have they been able to show consumer contracts with my signatures on them. Id like to ask that they remove these negative item from my credit report since it is affecting my ability to obtain credit. I hope to hear from you guys as well as resolve this matter as soon as possible. Thank you for your time. Good bye
Product: Checking or savings account

After XXXX, I noticed fraudulent debit charges on my corporate checking account and reported them to Truist and on XX/XX/XXXX I asked that the account be frozen to prevent any other unauthorized charges. After that, Truist allowed an additional 13 debit transactions and on XX/XX/XXXX a wire for {$24000.00}. I was called about the wire and said it was not mine yet Truist still allowed it to process. Truist reimbursed my account for the debits but I have called at least every other day trying to get my {$24000.00} back but kept keep getting the runaround that it is being " investigated. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a credit card in the mail which I did not request, prompting me to check my credit report on XXXX which lead to discoveries of fraudulent accounts. I began registering with credit bureaus to put a freeze on my reports. I was successful in creating accounts on XXXX and XXXX and freezing, however, I was unable to register an account on Experian. I called their line to resolve the issue and after talking with an agent, I discovered that the identity thief had registered with Experian before I could completely usurping the experian account. I am having difficult time solving this issue as Experian representatives seem to have zero jurisdiction in resolving this.
Product: Checking or savings account

Restriction from using my CapitalOne 360 debit MasterCard at a retail as a consumer. XXXX advise me to close my account by requesting the balance. They said my account was close. I ask them why was unemployment funds were deposit if it was closed? I ask them for what reason. The reason was because it was in the negative for a brief time.. I was unable to make transfers regularly from my XXXX XXXX account, have my employer XXXX XXXX direct deposit funds. The GDOL of Labor deposited unemployment to that account without me giving them that account info. After COVID-19 I input my Suntrust bank account for deposit of unemployment funds. I did use the 360 account due to  issue 's using the card.
Product: Student loan

I took this loan out to go to school. The school ended up closing.. credits not acceptable anywhere. They lied and told me they would find me a job nothing. Now Im trying to go back to school to get my XXXX and I cant because of this debt. Its for XXXX charged off on my credit report and I still cant use the certificate they lied to me about getting at XXXX. I need to go back to school.. I need this off my credit report. They keep sending it to different collection agencies..Please help. From 2008..
Product: Credit reporting, credit repair services, or other personal consumer reports

Date:XX/XX/XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX Equifax, XXXX I am writing to dispute the following information in my file. ( XXXX XXXX # XXXX ). According to section 609 of the FCRA the item is inaccurate and falsely reported onto my credit file. I am requesting that the item be deleted. 


Again please reinvestigate this matter according to FCRA section 609 and delete the disputed item as it states the consumer has protection against false and erroneous reporting. Furthermore the creditor is responsible for providing a copy of the orginial creditors documentation. I requesting for the items mentioned above be removed immediately. 

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

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BALANCE {$35000.00}
Product: Credit reporting or other personal consumer reports

This company has been willingly and knowingly, reporting misinformation on my credit report. The following information needs to be removed from my credit report, because this misinformation is violating my Rights as a federally protected consumer NAME VARIATIONS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS RECORDS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX 2011 XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX This information must be removed from my consumer report pursuant 15 USC 1681E accuracy of reporting. 

These misspelled variations are lawfully defined as aliases only the name XXXX XXXX should be present on my consumer report. Everything else must be deleted. The address that I give permission to be on my consumer report is XXXX XXXX XXXX XXXX every other address associated with this consumer report must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my XXXX  WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite XXXX previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX 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

As a victim of fraudulent account origination and identity theft, I placed a dispute in with the major credit reporting agencies in XXXX, according to the FCRA section 605b this was a matter that should have been resolved in a matter of days, yet I have had no progress on the issue, despite submitting all required supporting documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference XXXX XXXX XXXX XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

The car was paid off XX/XX/XXXX. I cancel the extended Gap and Service contract. Per the dealership, they sent Flagship the checks on XX/XX/XXXX and they the dealership show the checks was cashed on XX/XX/XXXX. The check amount are XXXX and XXXX. 

Called flagship on XX/XX/XXXX spoke with XXXX he said he dont see a check. Ask me to have the dealership send a copy of the checks. On XX/XX/XXXX dealership sent in the information. 

Call on XX/XX/XXXX XXXX stated that they have not gotten any updated information. He will send a letter to be escalated call back tomorrow. 

Called on XX/XX/XXXX speaking to XXXX she dont have any updated information. Dont see any checks in the system will have a supervisor call me back with XXXX the next 24 hours
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting a debt under my name under all XXXX credit burea that is Outdated by Georgia Statue of limitation nor is this my debt. I've mailed documents to XXXX XXXX XXXX on XX/XX/16 and their address is XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX and informed them via mail that the amount of {$23000.00} is not my debt and this debt is also past the statue of Debt law in GA which is 6 years and cant be reported by law due to it being outdated. However the account continues to be reported under all three credit bureau and by Law is Outdated and is not mine but continues to reappear every time I dispute this account with the credit bureau removes it. XXXX XXXX XXXX adds the account back to every credit bureau. Ive provided this information by mail but XXXX XXXX XXXX continues to defame my name and this is in Violation of the Fair Credit Reporting Act and a Violation of the Debt Collection Practices Act.