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 an adequate Customer service and unfair practices which violate the consumer protection act. Specifically, leaving my information unprotected and leaving me, vulnerable to be violated by scammers and fraud. Additionally, they did not provide Customer service that was timely or even provided any information about why my account was closed or why my money was not returned. I have made several attempts to figure this out.
Product: Credit reporting or other personal consumer reports

I have identified several inconsistencies that violate the Fair Credit Reporting Act ( FCRA ) guidelines. 
tHIS inquiry was made without my consent and violate the Fair Credit Reporting Act ( FCRA ) Section 1681b ( c ), which states that inquiries into a consumer 's credit report must be authorized by the consumer or have a permissible purpose under the law.

I have not provided authorization for this inquiry, nor does it meet any permissible purpose under the FCRA. As per Section 1681b ( c ) of the FCRA, any unauthorized inquiries must be promptly deleted from my credit report. This section specifically states : ( c ) An authorized user under an account shall not be liable under this subchapter for any amount in excess of his or her pro rata share of the total of such obligations.

The aforementioned inquiries violate my rights under this section. I demand that these unauthorized inquiries be immediately deleted from my credit report, as they are inaccurate and damaging to my creditworthiness. I request that you investigate this matter promptly and provide me with written confirmation of the deletion of these inquiries from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally file my complaint regarding the incorrect reporting of a late open account on my credit report. Despite multiple attempts to resolve this issue through direct communication with the credit reporting agencies and the creditor, the error remains unresolved. Accurate credit reporting is critical, and the continued presence of this error is causing significant harm to my creditworthiness and personal stress. Despite my repeated efforts to correct this mistake, the credit reporting agencies have not fulfilled their obligations under the Fair Credit Reporting Act ( FCRA ). I am relying on on you to intervene and ensure this inaccuracy is rectified promptly. Given the persistence of this error despite my efforts, I am seeking for your assistance to : 1. Conduct a thorough investigation into the reporting of this account.

2. Ensure that the credit bureaus and the creditor involved take the necessary corrective actions to accurately reflect the account status as closed with timely payments. 
3. Provide a clear resolution and timeline for the correction of this error. 
Please help me correct the account right away : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a check at a XXXX XXXX and my check was declined. 
Date XX/XX/20 Control number XXXX I have written checks their before in the past. I don't write many checks. 
The amount was XXXX, they run the check and it went in the machine and stated it was declined, twice. I called with the account on the receipt to find out why it was declined. 
I entered all the information that was requested. I could not get a answer it would have to mailed to home address. 
I read the info and it stated under reason Not Authorized - reason below 04 A paragraph that does not explain the reason for declining. 
Also the following paragraph Shows no information on file.
Product: Payday loan, title loan, or personal loan

I applied for a loan with arrowhead XXXX advance. When I applied I was told I was approved and asked to sign the loan papers electronically which I did. After this i was contacted by arrowhead saying my loan wasnt approved but still pending. Throughout this process I was told I was approved and asked to sign loan documents three different times for three different loan amounts. I talked to several representatives at this company and advised them several times that I get paid twice a month on the first and the XXXX I was asked if I get paid and it falls on a holiday will I be paid before or after the XXXX in which I answered before I gave this information several times I sent several checks stubs I gave them access to two of my bank accounts which illustrate it the same thing. I made my first payment today on XX/XX/XXXX and receive a confirmation Email which is now stating my next payment will be taken out on XX/XX/XXXX which is days before my XX/XX/XXXX payday I called and emailed arrowhead and they want me to send more paperwork the same paperwork I have sent already! I do not want this company debiting my account and I do not want this next payment taken out if they are not going to stick to the terms that I agreed to that I have repeated over and over again I need this loan to be forgiven I am in Texas I do not have power I do not have electricity I do not have heat I do not have access to the Internet I have no way to send them what they are asking me for
Product: Money transfer, virtual currency, or money service

On XX/XX/year> venmo sent me a email stating that the remaining balance in my account was available for standard transfer to a bankaccount that is mines I proceed to add a bank account through XXXX and manually and it did not let me connect my account for some reason giving me a error message every time I tired to upload and add my bankaccount. I am left with no other options to get my money off of venmo due to me having only XXXX bankaccount that i use i do not have multiple bankaccounts to use I don't know what else to do to get the remaining funds out of the account am asking venmo to please help me add my account and retrieve the rest of my remaining balance to my bankaccount immediately! don't know what other steps to take to get my money I have waited the 180 days already venmo has gave me permission to withdraw my funds to a bankaccount but won't let me upload my bankaccount to do so I don't know what else to do or any other measures to take to retrieve my funds my account is unrestricted for standard transfer so I don't know what is the issue with me adding a bankaccount to withdraw my funds can someone please fix this issue for me asap so i can withdraw my funds before venmo close my account.. I have attached documents that I have received from venmo and alone bankstatement to account I want to upload
Product: Debt collection

I have repeatedly over the last 3onths reached out to XXXX CBNA to resolve a card with fraudulent charges. The card was charged off 2 years ago. Before the charge off I called in to let them know of the theft. My online account access was removed and so I assumed everything was taken care of. Now they are reporting the charge off for fraudulent charges to my credit. I have requested documentation from them several times and they responded that they don't have it. They have no signed receipts, no notations of my contact previously and little else. They refused to open a fraud case because I do not have the statements. They also do not have any documents. They laughed at me and told me there was nothing I could do about it and that I'd have to just pay them. These are fraudulent charges and shouldn't be collected not reported to my credit! I even filed the FTC affadavidt with the bureaus and CBNA.
Product: Credit reporting or other personal consumer reports

Subject : Cease and Desist and Dispute of Debt Collection Reporting To Whom It May Concern, This letter serves as a formal dispute of the debt you are attempting to collect and as a notification that I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692c ( c ), to request that you cease all further communication with me regarding this alleged debt. Additionally, I am disputing the accuracy of the reporting of this debt on my credit report, as governed by the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ).

The debt in question is as follows : 1. Account Name : XXXX XXXX XXXX XXXX. 

Amount Alleged Owed : {$8000.00} Request to Cease Communication Under 15 USC 1692c ( c ), you are hereby notified to cease all communication with me regarding this debt. Any further communication, other than those allowed by law, will be considered a violation of the FDCPA and subject to legal action.

Dispute of Debt and Reporting I dispute the validity of this debt and the accuracy of its reporting on my credit report. The Fair Credit Reporting Act ( FCRA ), 15 USC 1681e ( b ), requires that credit reporting agencies maintain maximum possible accuracy in their reporting. If you can not provide verifiable proof that this debt is valid and belongs to me, it must be removed from my credit report immediately. 

Action Requested Provide Validation : Send me documentation validating the debt, including the original contract and payment history.

Cease Communication : Cease all further attempts to contact me regarding this debt as per 15 USC 1692c ( c ).

Update Credit Report : If the debt can not be verified, remove it from my credit report and confirm in writing that it has been deleted. 

Please consider this letter a formal dispute under both the FDCPA and FCRA. Failure to comply with these laws will leave me no choice but to report your violations to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 

Thank you for your immediate attention to this matter. I look forward to receiving your response within the timeframe required by law. 

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

XXXX XXXX and all three of the credit bureaus are reporting me as deceased. I have no idea why this happened but I am unable to get my scores or even pull a report because I am reported as deceased. I need this fixed immediately.
Product: Debt collection

PULL MY CREDIT REPORTS SEEN THIS DEBT ON MY REPORTS. DEBT IS NOT MINE, HAVE NO KOWLEDGE OF THIS DEBT. IF THIS COLLECTTION COMPANY CAN NOT PROVIDE ME THE ORIGINAL IFORMATION ABOUT THIS DEBT OR ACCOUNT. THIS DEBT SHOULD BE DELETE FROM ALL 3 MAJOR CREDIT BUEAURS. PORTFOLIO RECOVERY ASSOCIATE CLAIMING THAT ORIGINAL CREDITOR : IS XXXX XXXX XXXX XXXX. I HAVE NEVER HAD AN ACOOUNT OR NOTHING WITH XXXX XXXX XXXX XXXX I DO NOT THINK IT RIGHT FOR A COLLECTION COMPANY PUT THIS FALSE INFORMATION ON YOUR CREDIT REPORT.
Product: Student loan

My federal loan servicer shows that I have only been making payments since XXXX. That is when I switched from a standard repayment play to an IBR. I have been making payments since XXXX and would like that date reflected. At some point I expect to hit 25 years of payments and have my debt eliminated.
Product: Mortgage

I submitted a modification application on XX/XX/2019 as successor in interest under Civil Code section 2920.7. My successor in interest status has been verified. 

Specialized Loan Servicing 's request for additional documents is unreasonable. SLS refuses to process my modification application with due diligence. It finds reasons not to communicate with me in good faith or process the documents I provided in support of my modification application properly as is required by law. 

Furthermore, SLS refuses to endorse my insurance proceeds for sewage damage to my kitchen. Please see XXXX letter to SLS for detail. THIS IS A COVID-19 HEALTH RISK AS I RESIDE WITH MY XXXX-YEAR OLD GRANDMOTHER.
Product: Vehicle loan or lease

I purchased a car from Hyundai and mailed my first payment to the address in my coupon book for more than the required monthly amount due. 

Hyundai Kia Motor Finance Company XXXX. XXXX XXXX XXXX, TX XXXX First pmt due date - XX/XX/2020. 
Payment received and cashed by Hyundai - XX/XX/2020 XXXX statement was received in the mail on Tuesday, XX/XX/XXXX saying I was past due. I verified the payment was sent and received by the appropriate date - Hyundai has misapplied my payment or posted it to another account and now they are negatively impacting my credit and charging me a late fee for their error. This is my first car buying experience and Im very upset. 

My payment was sent via bill pay by XXXX XXXX. Confirmation XXXX. 

I submitted an inquiry to Hyundai and they have not responded in their stated SLA. I called the finance company tonight and spoke to phone representative XXXX XXXX who failed to assist nor track down which account they wrongfully applied my payment too. She refused to waive my fee and told me they would not adjust my credit score that I had to do that on my own. They transmit data in metro II format much like other creditors and have the ability to resolve credit bureau reporting via direct dispute or indirect. I requested to speak to a manager and she told me they dont have any managers as a result of COVID-19. 

Im very upset with my first car purchasing experience, Hyundais Inability to apply a payment is resulting in negative customer harm. They are intentionally choosing not to assist and conduct the proper diligence to locate the application mistake. Again, Hyundai has my money and is requiring me to pay an extra {$700.00} plus a fee because of THEIR own mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : US DEPT ED XXXX Date Opened : XX/XX/2017 Balance : {$10000.00}, US DEPT ED XXXX Date Opened : XX/XX/2017 Balance : {$45000.00}
Product: Vehicle loan or lease

The company identified above only provided a response in request to the application of the payments. The premise of the complaint was based on the partial application of the monthly payments as the company was taking money that was meant to be fully applied to the outstanding P & I and applying partial of it to late charges every month therefore reducing the amount being applied to the past due P & I. Late can be satisfied upon maturity of the loan so it does not hinder the myself, the consumer 's ability to catch up on past due P & I. Why would a financial institution be allowed to satisfy their late payments before I can satisfy my past due P & I. IE. I I pay {$200.00} towards past due P & I and they only apply {$170.00} to past due P & I and the remaining to their late fee. This does not sound consumer friendly. Per the CFPB Loan Servicing guidelines. you can not pull late fees from a monthly payment to satisfy any fees incurred prior to satisfying past due payments. Which is therefor reducing the amount of monies being provided to catch up any past due payments. If you look at the application of late fees and total the amount they have reduced trying to catch up monthly it would drastically reduce the amount past due and would allow me to bring my loan current. Fees as high as {$55.00} were deducted from my monthly payments when trying to catch up and this has been happening on a monthly basis for more than 6 months now. The company has flat outright lied to you as the original breakdown we previously requested identified nothing that was provided by the compliance manager in the previous complaint. I am wishing for the reversal of late fees and those to be applied to the monthly outstanding balance to reduce the delinquent amount owed so I can satisfy and bring current. I am also requesting copies of all correspondence prior to this complaint to be upload in the system. This letter should be dated for the month of XXXX.
Product: Checking or savings account

my bank account was compromised/hacked on XX/XX/XXXX and and some withdrew XXXX dollars without my knowledge or permission and bank of America denied my claim and they dont tell why
Product: Debt collection

My debt was written off but a debt collector is still trying to collect on it.
Product: Credit reporting or other personal consumer reports

I value your help too remove a portion of the data on my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or remove. Per FCRA segment 605 you are expected to eliminate any records recorded on XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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

In XXXX of 2012 my identification mainly my social security card and Florida ID card was lost or stolen from my handbag and a sequence of accounts were open and checks cashed in my name. As soon as this was realized, I filed a police report ( see attached ). This account is unknown and was not opened by me.
Product: Credit reporting

I called today to inform the credit agent XXXX ( male ) to please submit my dispute to report the correct Account History field to read, " Debt included in Chapter XXXX Bankruptcy was filed, and reported to XXXX XXXX XXXX in XXXX XXXX! Experian continues to report incorrect information on my credit profile. Experian is not properly validating the true file date of my BK-XXXX to be XXXX XXXX to be reflected onto the ACCOUNT HISTORY field of my report, but keeps reporting the incorrect BK-XXXX date as XXXX XXXX, XXXX. The credit agent, XXXX flat out " refused '' to put in my request to validate and confirm the correct BK-XXXX file date to XXXX to show XXXX XXXX and NOT XXXX XXXX and not reflect any late payments prior to filing BK-XXXX is WHY its very important to change the Account History date field on my credit report. Please make the necessary corrections, this is to stay on my file until XXXX XXXX, and I want the revision completed immediately! I have submitted documents from their database to show the discrepancy and to fix it right away. I have also left a message ( XXXX, for XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX to make this correction and re-insert this account back onto my account that was not supposed to be deleted off of my XXXX report # XXXX, dated XXXX/XXXX/XXXX. it 's not supposed to be removed off any of my credit reporting accounts. Why are these companies getting away with violating FCRA laws? I am tired of the deceit and unlawful credit reporting that is done behind my back! These credit reporting agencies and XXXX XXXX has created costly damages to my credit scores that I will not be able to regain nor recover from XXXX XXXX. According to their letter dated XXXX XXXX, XXXX, XXXX XXXX was to re-insert the trade line - it was not done and does not show in my XXXX report at all ... ... Will you please assist me in this matter? Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion credit reporting agency has been reporting inaccurate and misleading information on my report for several months now. In accordance to the Fair Credit Reporting Act 15 USC 1681 ( 3 ) TransUnion has a vital role in assembling and evaluating consumer credit, with a need to ensure they're exercising their grave responsibilities with fairness, impartiality, and respect for consumers PRIVACY 15 USC 1681 ( 4 ). TransUnion has not respected my rights, they were unfair, partial, and furnished these accounts without my consent. Pursuant to 15 USC 1681b ( 2 ) the CRA may only furnish in accordance with written instructions of the consumer, in which I did not give authorization nor consent. Remove these inaccurate accounts IMMEDIATELY and DO NOT open a dispute.

This is Aggravated Identity Theft per 18 USC 1028a, you're transferring and utilizing my information with these 3rd party debt collectors without lawful authority or giving the chance to opt out per 15 USC 6802 ( b ) ( 1 ) Please provide me with the procedures that were taken to gather the most accurate information prior to reporting in accordance with the 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 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 XXXXXXXX Please provide me with the procedures that were taken to gather the most accurate information prior to reporting in accordance with the FCRA. 
Please REMOVE fraud alert 48 hours AFTER initiation.

Block the information contained within the Identity Theft report & within this complaint in accordance with 15 USC 1681c-2, contained here is 1. Appropriate proof, my drivers license 2. The Identity Theft report 3. Information that shall be removed by law 4. My statement informing you this I the natural person/consumer have no info relating to transactions. Also in accordance to the IRS defines " Charge Offs '' as income and income should not be reported on a Consumer 's report, there was also no legal claim without validating the alleged debt, therefor no grounds to charge off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing a credit issue related to my XXXX XXXX  Account. The account was initially set up for recurring payments of {$2400.00}, but on XX/XX/2023, XXXX issued a new payment amount of {$2400.00}, which resulted in the cancellation of the previous recurring payment. Unfortunately, the new payment was rejected by XXXXXXXX XXXX  payment system, causing two delinquent payments- one in XXXX and one in XXXX of 2023 - for the amount of {$2400.00}. 

Despite XXXXXXXX XXXX customer representative XXXX 's confirmation that delinquency notices were mailed to my property address, I did not receive any notices and suspect that they may have been misplaced, as this is a common occurrence in my building. 

I have a long history of consistent and timely payments to the mortgage holder, with no late payments and additional principal payments. I strongly believe that the delinquency related to this mortgage account is the result of technological errors and the United States Postal Service. 

I am kindly requesting that the credit reporting agencies waive the delinquency notice associated with my mortgage account, as it was not a result of any negligence on my part. I am confident that upon review, the credit bureaus will recognize my track record of responsible and timely payments, and that the delinquency was a result of unforeseeable circumstances. 

I would greatly appreciate your cooperation in resolving this matter, and look forward to your response. Thank you for your time and attention.