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

I am filing a complaint against cashapp ( 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 was unfair and deceptive, as they did not comply with error solution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions has cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

XX/XX/2021 - {$10000.00} was deposited from the SBA. On XX/XX/2021 {$5000.00} was deposited also from the SBA. I tried to sign on to the account on XX/XX/2021 and got an error message that the sign on and password didn't match. I tried many times during the day but got the same message. I had signed on on XX/XX/2021 with no problem. 
XX/XX/2021 - I tried to sign on, got the same error message as the day before plus an email telling me that the accounts are closed. 
I tried to call their customer service number but the recording told me my account was closed and then hung up on me. 
I have a main account in my name and a subaccount in my son 's name. There is about {$16000.00} in the main account and {$600.00}? in the subaccount. 
With no way to get in touch with them except via USPS it is very upsetting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon finally receiving proof of debt, I have paid a debt directly to the original creditors. Transunion refuses to remove the collection information even after receiving documentation in a dispute
Product: Checking or savings account

Unauthorized use of my debit card with edd through Bank of America. First, someone checked my balance at a XXXX XXXX ATM machine at XXXX XXXX, which is 2 hours away from me. Then the following happened at a Bank of America ATM machine in XXXX XXXX : [ ] {$1000.00} XXXX @ XXXX pm [ ] {$1000.00} - XX/XX/XXXX @ XXXX am [ ] {$1000.00} - XX/XX/XXXX @ XXXX am When fraud department of bank of america contacted after I found out, last XX/XX/XXXX. I was advised that they will undergo investigation up to 90 days. Unfortunately, I contacted fraud department again today, XX/XX/XXXX, was advised that they resolved my case and that they denied my claim. I informed the customer service representative of bank of america to release the footage of the XXXX. As far as I know, there are cameras on the atm machine itself. How come, they do not review it, so they will know who withdrew the money. Bank of America denied my claim and will not return my funds back. This is so upsetting, a bank that is huge and unable to protect their customers. The fraud department is unable to investigate well. They just say they are doing their due diligence to investigate the frauds, but realistically they are not doing their job. If they investigated, they will pull the camera from the atm machine and will know that it is not me who took the money out. Commonsense, if that was me who withdrew the money from the atm machine, why would I go through this headache and make a fuss about it. I do not need any headache, as I've been going through a lot already. WHERE IS THE COMMONSENSE OF THE FRAUD DEPARTMENT OF BOA!!! The bank itself is fraud! This is negligence! I have been a customer with bank of america since XXXX, but after this will resolve. I will pull everything out of BOA and open a new account with XXXX. Apparently, chase protects and serves their customer well, will return your money asap and will not deny your claim. This is the biggest mistake of XXXX to use BOA. Please assist me on the next step. Thanks!
Product: Debt collection

This debt collector has not provided notice of when the original debt occurred and submitted collection as of XX/XX/2020. I still do not recognize this debt from any prior purchases. This debt collector has sent invoice documents that I do not recognize since I never made any purchases through Paypal-Synchrony ( original debtor ). This collection notice needs to be removed from my credit report. I did not recognize this debt and don't understand how it was even opened for collections in XXXXXXXX XXXX so it can be related to identity theft.
Product: Debt collection

I filed a complaint with the Consumer Finance Protection Bureau regarding issues with Ocwen Loan Servicing and it 's predecessors not providing a 30 day FDCPA letter and I was told by Ocwen that additional time was needed and I was later contacted by Attorney XXXX XXXX XXXX informing me that his law firm represented Ocwen Loan Servicing in Complaint No. XXXX. I sent an email to XXXX XXXX as the letter clearly sated to contact him with any questions. I never received a response back from Attorney XXXX XXXX, but I have since discovered that Attorney XXXX XXXX is not licensed to practice law in the State of North Carolina. Valuable time was wasted by Attorney XXXX 's failure to contact me back and my property was sold on today, XXXX XXXX, 2016 at XXXX XXXX after Ocwen informed me on several occasions that the sale had been postponed. Once I had confirmation from Ocwen that the sale was postponed, I went to Ocwen online set up an appointment with my relationship manager to discuss alternatives to foreclosure while the sale had been placed on hold. The appointment was confirmed for today, XXXX XXXX, 2016 at XXXX. I was given a temporary relationship manager as my relationship manager was unavailable for the appointment time. At XXXX, during my appointment time, my temporary relationship manager informed me that the sale was postponed and that I could download the forms for a modification on-line. I called back again after the time that the sale was originally set for only to find out that the property was sold and that Ocwen had provided false statements to me regarding the postponement of the sale. I have attached a copy of the confirmed appointment time which mentions the fact that the sale was postponed along with a copy of the letter from Attorney XXXX XXXX, who is not a licensed attorney in the state of North Carolina.
Product: Credit reporting, credit repair services, or other personal consumer reports

A second XXXX account was listed on my credit report for the amount of {$580.00} in collections. I called XXXX they said this was an old account from 2015 and it was sold to XXXX XXXX. XXXX XXXX  said this account was sold to Attorney XXXX and XXXX, XXXX otherwise known as XXXX XXXX XXXX. I called the attorneys and spoke with them and they said this account was old and should not show on my credit report. I started a dispute to finally have this removed from my credit report. XXXX  and XXXX  have removed this from my credit report but Experian still has this on my report and they do not even have the Original date of 1st delinquency or all the correct facts of this account on my latest report from Experian. I will submit documents that prove Experian is using incorrect information on this account and it needs to be removed from my credit report just like the other credit bureaus have removed it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent certified letters to all parties on XXXX XXXX and previously before that when I finally check my credit report I noticed that they was reporting Accuracy information on my credit report that is hurting my credit. I sent this letter stating. 

I have never signed a hippa relive form authorizing them to place this on my credit report. ledge XXXX XXXX {$4100.00}. XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX . XXXX XXXX. The XXXX bureaus are reporting inaccurate information the errors on my report are different from each bureau Therefore these are inaccurate and are HIPAA violations.And I want these immediately deleted. HIPAA laws protect my personal medical information from being used without my consent and you are now a where of these HIPAA violations deleted immediately.

And auto loan inaccuracy 15 U.S.C1681b ( a ) 2 law violations And still they not removed Also not to mention XXXX XXXX  amount on my credit report is inaccurate as well
Product: Money transfer, virtual currency, or money service

Not letting me access my data for XXXX
Product: Mortgage

I use a bill payment from XXXX  XXXX XXXX on line bank app, to make payments on my monthly mortgage payment. 
Since XX/XX/XXXX i never miss one single payment, but back in XX/XX/XXXX, i made a mistake of instead order a payment of {$2700.00}, i orded {$2700.00}. ( So {$70.00} short ) As soon i got know what happen with my mortgage payment, i made a payment of what was missed and called the mortgage company to explain what happened and to tell them i had fix the problem because was a personal mistake and not a short money to pay the morgage, since was less the 3 % of the total amount short and there is not sence to pay {$2700.00} and not pay {$2700.00}. 
The company said was fine but 3 day later they report to the Credit bureal miss payment. 
This report make my credit score drop 130 points. 
From XXXX to XXXX. 
I said email to the customer service to try fix my credit score but they return me a answer they couldn't fix because " contractual obligation to make a full monthly payment on the first of each month ''. 
So they don't considerate the fact i had paid around 97 % of my payment. 
I feel this company FREEDOM MORTGAGE has not loyaut to the customer.
Product: Credit reporting or other personal consumer reports

I attempted on several occasions to receive my free report on XXXX website and also annual credit report and was unsuccessful. I contacted XXXX and a representative informed me that I was unable to get a credit report because they have my file mixed with someone by the name of XXXX XXXX same dob. My name doesnt even come close to that. That still does not matter how can you merge files and tell a consumer they are unable to un merge them so I dont know what is on my credit. It is the law for me to be able to receive a free credit report. I want whoever is responsible for putting these files together to be held responsible. That is unfair. I was also told by Experian XXXX XXXX that they are unable to provide me a credit report. I attempted calling to reset passwords and I was told in 7 days they will get back to me. It has been now 83 days and still no access or resolve
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX, TransUnion and XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 According to the 15 USC 1681 SECTION 602A. States I have the right as a consumer to privacy.

According to 15 U.S.C 1681- ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 


These addresses does not belong to me or belong my credit report. 

1.1300 XXXX XXXX XXXX XXXX, FL XXXX 2XXXX XXXX XXXX XXXX XXXX, FL XXXX 3.XXXX  XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 4XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 5XXXX XXXX XXXX XXXX XXXX, FL XXXX 6.XXXX  XXXX XXXX XXXX XXXX, FL XXXX 7XXXX XXXX XXXX XXXX XXXX FL XXXX This is not my date of birth XXXX These telephone numbers does not belong to me or belong on my credit report 1. ( XXXX ) XXXX 2. ( XXXX ) XXXX These names does not belong to me or belong on my credit report. 

1.XXXX  XXXX XXXX XXXX
Product: Credit card or prepaid card

Reviewed my credit report last week and saw that chase card services was reporting a balance of {$3500.00}. Please produce validation of this account per FCRA regulations.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Consumer XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID XXXX Address : XXXX XXXX XXXX XXXX XXXX TX XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXXXXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 


Thank you for your assistance. 
Sincerely, ( XXXX XXXX )
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : Cushman v. TransUnion Corp. ( 1997 ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers.

Ramirez v. TransUnion LLC ( 2021 ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA.

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

This XX/XX/2021 we received a letter saying our Mortgage was going up from {$1200.00} to {$1400.00}. After calling them and discussing it with them they stated that my home owners insurance was raising my " Hazardous Insurance rate, '' and the city we lived in raised our property taxes which was false because we contacted the City of XXXX, Ohio and they told us we are at 2.0 % tax rate and its the County who does the property taxes and not the city. We received a letter from the County auditors office stating our Home Value dropped Significantly. We contacted our Home Insurance company and they sent us a statement. Our home insurance also stated that this company tells lots of lies to get consumers money. Also Freedom Mortgage stated that after they reviewed our case they forecasted a shortage over {$1000.00} as an escrow shortage which is outrageous. I have never been late on a payment and don't plan to start. I am a XXXX XXXX Veteran using our VA home loan, and a good standing citizen of the United States just check my back ground. Please stop this company from Financially raping hard working Americans and doing this to our families. If you read the reviews about this company they have been doing this a long time and getting away with it.
Product: Debt collection

On XX/XX/XXXX Tower loan called my work number. I called them back the same day and spoke with XXXX, I told her not to call my work again. Then on XX/XX/XXXX I received another phone call at work. I called and spoke with XXXX and stated again not to call my work. Then on XX/XX/XXXX I got another call at work, so I called again and told them not to call my work. On that day I also told them not to call my family members. Then on XX/XX/XXXX I got another call at work. At that point I did not call because, the company was going to call no matter if I asked them not to. They have called and left messages multiple times a day since XX/XX/XXXX on my cellphone, including calling from other cell phones daily. On XX/XX/XXXX XXXX the XXXX at Tower Loan came to my house asking for me. My daughter told him I was unavailable and he left a note on a torn piece of paper with his name and phone number on it. In addition to leaving my daughter a note a placed another note in my car door handle that was printed from Tower loan letter head. Anyone walking past my car could have gotten the letter. I called Tower loan on XX/XX/XXXX to speak to XXXX to let him know he would be arrested for trespassing if he came on my property again. XXXX told me not to threaten him and that he would do what he needed to and that he was going to sue me. I told him that the constant phone calls daily needed to stop. He was told again not to call my work, to which he replied, I have an authorization form right here so that takes care of that, I can call when and where I want to. I told him I had lodged a complaint with the Attorney General 's office as well. I told him that they needed to stop calling with cell phones daily as well. XXXX denied cellphone calling and stated that it may be other creditor 's trying to reach me. XXXX told me that it would be really hard for me to pay my electric bill once he garnished my wages. He also said that if a payment was not made by the XXXX that he would file a right to cure. He told me that I better hope I get my income tax refund sometime in XXXX as they would file a right to cure. He told me several times that he was going to sue me and raised his voice to the point of yelling at me. I told XXXX that I had made a payment arrangement online to be paid in XXXX so the daily phone calls needed to stop. I told him if he did not have a payment by the XXXX that he could call. He told me he would call me multiple times a day everyday until the XXXX despite having a scheduled payment online. I told him the reason I was not paying was due to having a XXXX child. He told me that he did n't believe me nor did he care. All he cares about is getting his payment and on time. I told XXXX I was telling him this is my cease and desist notification from calling me. I have made a scheduled payment online and that unless they do n't get that payment, the calls need to stop. I also told him I would notify them in writing that the calls need to stop. XXXX told me that they would continue until the account was paid in full. I told XXXX that I would follow up the Attorney General 's office and would consult a personal lawyer if need.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute some of my student loan accounts with TransUnion several times and they have refused to take action. I 've contacted the  Creditor several times and they have confirmed verbally and in writing that my accounts are not delinquent. The Creditor has also contacted TransUnion to inform them th at their information is inaccurate. This has been done electronically, by phone, and in writing and still TransUnion has failed to act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax and spoke with several employees including someone in their Consumer Affairs Department. I called them because I applied for a apartment and received back information saying there was a fraud alert on my account. I wanted to know what it was. The agent said they needed to verify who I was but after providing them with my Name, Social security number, date of birth, current cell number, current address and the total amount of my students loans and who they are with this was still not enough verification data. I feel that considering I didnt give them permission to have any of my personally identifying information they should be verifying my data with me. 
They actually requested more documents for me to verify who I am. The process is time consuming, unnecessary and totally ridiculous. I must send them more information than any government agency I have ever dealt with and they seem to have more power than any government agency. I have a real id from my state and considering what I had to provide to get it the information from it should be enough for me to find out what they are reporting to others about me. There needs to be government oversight of this industry they are ruining lives with their dissemination of misinformation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Virginia XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning to all, I always thank you for your help when I had problem famous bank of America. Today I come again beacause with that bank it always a problem for me to understand them. 
Yesterday night I was reviewing some activities on my app and I suspected something wrong, the famous bank charge me INTEREST ON PURCHASES on a cart that I'm not using for more than a year ( since my last problem with them ). 
I prefer ask you for help it is why I don't call them I don't ' believe on their words. 
I could not open my statements. 
I could not access to my transactions for that they are making men pay interest on purchases. 
I don't know if they really fixed my credit the last time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

They did not mail me a dummy letter with the option to have them validate the debt. Violation of FDCPA.
Product: Checking or savings account

I have had a credit karma account for a few years and have deposited funds into my savings account every month. I have over XXXX in savings and checking and until recently had no problem accessing my account. In XXXX my email and password had changed and I tried to contact them to help me. I read the directions on line, contacted them again, used their chat help. Contacted their customer service number which is useless. They have told me my case has been escalated and that means nothing because I have not received an email or my funds. I have been waiting over 3 weeks and this is ridiculous. I have submitted my id to verify my identity. I don't know how else to get my money.