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

( 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 compensation : for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2018 ) XXXX of this year a request was made for the ( transunion ) credit reporting agencies regarding my credit file report to the credit reporting agency Transunion. ( FCRA ) Section 609 ( c ) ( 2 ) ( E ), a consumer reporting agencies is not required to remove accurate derogatory information from a consumer file, unless the information is outdated under section 605 or can not be verified. I challenge the credit reporting agencies to verify the negative credit event in the credit report by producing a copy of the " original creditors documentation '', not the veracity, but the bureau abilities to verify their veracity. I used section 609 of the ( Fair Credit Reporting Act ) law to demand the veracity of their credit reportingof my credit reporting file, and If they couldn't verify the data they have no right to continue to maintain it on their credit reports.
Product: Credit card or prepaid card

An account was fraudulently created in my name, in Texas, on XX/XX/XXXX. I wasn't even in the country at the time, and I don't live in Texas anyway. The account is through Comenity Bank. I have tried to contact them directly, but their call center is offline, you can not get through to an agent. 
I added a fraud alert to my credit reports, and froze one ( working on the others ). The agent at XXXX also stated that they would be in contact with Comenity. 
Today I received a card in the mail for XXXX 's, which is also issued through Comenity. 
I think that there are serious problems at Comenity, that they are issuing cards like crazy for all stores that use them, without any subsequent credit checks. My credit reports only showed one credit check from Comenity, but now there are 2 accounts, and probably more coming, backed by this scam of a " bank ''. 
I am XXXX XXXX XXXX, this is incredibly stressful for me, my husband of XX/XX/XXXXyears just died in XXXX. Please help, report this to the FBI and whatever else you can do.
Product: Debt collection

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX. The Late Payment Status is incorrect. 
XXXX XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. Identity Theft XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX  XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter.
Product: Vehicle loan or lease

These accounts are not mine and they should be removed from my credit file. 
XXXX ) Suntrust account # XXXX Date open XXXX XXXX Balance {$21000.00} XXXX ) XXXX Bank account # XXXX Date open XXXX XXXX XXXX Balance {$38000.00} Loan Amount {$55000.00} Someone stole my information and open these accounts. I have put a fraud alert on my credit file sent in my Identity Theft Affidavit in police report and someone was still able to open these accounts fraudulent.
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. I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to Hurricane Irma in XX/XX/XXXX, I was placed into the disaster relief forbearance program, which would suspend my mortgage payments and prevent any delinquent reporting to the credit bureaus. Even though I was enrolled in this program, Flagstar is reporting my mortgage payment late to the tune of 180+ days past due.

I was initially told that the forbearance would last approximately 3 months, and per the verbiage on their website : Flagstar has a special, no paperwork, Hurricane Relief Program, to help manage the payments that will come due at the end the 90 day period. If you choose to opt-in to the program, you will be provided a single point of contact to help establish a repayment plan and review additional options ( including financial hardship relief, and many loan modification options that could potentially include term extensions, interest rate adjustments, and payment reductions. 

At the end of the 3 months, I went online to make my normal mortgage payment. When I was unable to do so online, I contacted customer support. They told me to hold off making any payments since my file was still being reviewed. Shortly after, I started to receive letters stating I was past due on my mortgage, along with literature on how to avoid foreclosure. Concerned, I contacted Flagstar, and was told the letters were automatically generated, and my file was still in underwriting. When I inquired what the issue was, they stated it had to do with interest rates being higher than on my original loan, but assured me that the loan was not being reported late, nor was I in any danger of foreclosure. 

Between XXXXXXXX-XX/XX/XXXX, ( contrary to the no paperwork verbiage listed on Flagstars website ), I was asked to submit a hardship letter along with copies of pay statements. I immediately sent them the requested documents. Shortly after I received a packet of papers to fill out for the application, and mailed via XXXX. 

It was not until XXXX/XX/XX/XXXX until I finally had received my approval letter for a disaster standalone partial claim, and paperwork stating that my next payment would not be due until XX/XX/XXXX. Upon checking my credit report, I noticed that the loan was being reported delinquent by 180+ days. I contacted Flagstar twice to alert them to the fact I was in the disaster relief program, and that my modification had just been approved so reporting the payments as late was incorrect. Flagstar replied they would not resolve this issue, stating the credit reporting moratorium was lifted in XXXX. 

As of XX/XX/XXXX, my loan is current. The disaster partial claim has paid for the months missed due to the storm, so I can not fathom why this is being reported as late. This process took longer than expected and I should not be penalized for matters beyond my control. 

Thank you very much for your assistance on this.
Product: Checking or savings account

On XX/XX/2022 : I believe that the bank has discriminated against me by refusing access to the funds in the account and placing account restriction. 

The bank placed an account restriction on a banking feature that permitted withdrawals through a XXXX. ( 1 ) they requested for me to call in to verify the account that I was performing the transaction, ( 2 ) they asked identity questions verbally of name, address, SSN, drivers license #, transaction amount, ( 3 ) upon verification, they sent the initial XXXX request of {$20.00}. Later in the same day, they blocked a second transaction for the same suspicious activity reasons for a transfer of {$90.00}. They refused to follow the same process and requested for me to visit a local branch to verify identity. ( No suspicion ) I advised the bank that I am currently in the State of Washington and I do not have anyway to visit a physical branch. In addition, I have not replaced my identification but I do have a birth certificate. This account has all of my cash and I need it to get to work! 

The bank is suppose to have a procedure to verify identity through an alternative method program according to the XXXX. 

They requested for me to call a out of footprint department I left a message on the phone number that they requested. I believe that it was the manager phone number that I had spoken to that maliciously blocked access to viewing my online account or setting up a transfer from another bank. Very Malicious. 

Later they said that they have not established a department to assist customers that are not able to verify in person. So the manager was dishonesty. 

I don't know how I will get to work with my second part time job next week! 

Extended Grievance : the bank is going to make up an excuse about the system automatically flagging and blocking accounts for random or duplicate activity. But I do not have a physical debit card and since the account opening, I have always withdrawn money from this Truist checking account and deposited in my XXXX XXXX  checking account. ( Manipulative. ) I live paycheck to paycheck, daily relying on the funds to be accessible for me to have reliable transportation to work and food to eat. This caused me to be late to work and did not receive reemployment opportunity from this employer because of the performance issue. I lost the job! 

How am I going to pay for my gas bill to ensure that I have heat throughout the winter, phone bill or food to eat. If I didn't open another account, I wouldn't have been sble to sign up for another XXXX  membership to use roadside coverage to bring me XXXX gallons of gas as I sat in my vehicle on the side of the highway ramp for XXXX hours trying to figure out what I was going to do. ( Inhuman ) And I had to sign up for a fast food application for a free sign up meal just to get something to eat. Yesterday and today. ( That's not right ) You may publish the information but please remove the name because there are comments about me being poor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have updated information : In accordance with the Fair Credit Reporting Act XXXX Account Equifax, has violated my rights. 15 usc 1681 section 602 states I have a right to privacy. 15 usc 1681 section 604 A section 2 : It also states a consumer reporting agency can't furnish a account without my written instructions. 15 usc 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.The account in question is the XXXX XXXX account has a late payment my profile and equifax reported that without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was un rightfully denied credit under title '' 15 subsection 16:11 '', " false and misleading denial of my own credit '' USC code 15 16-11. I formally request written response in 72 hrs, or I would like to speak to the underwriter of this account. Thanks
Product: Payday loan, title loan, or personal loan

I hope all is well I know I qualify for the loan with Tally I checked all the guidelines several times on line. My credit score is good its XXXX and I have not ever been late on anything on my credit my whole life and Im XXXX. Im not for sure what is going on but I would really like 3 or 4 of my credit cards paid off so I would have XXXXne payment instead of several. I have unfrozen my XXXX account several times and I even wrote them a certified letter to unfreeze and they keep saying its unfrozen so Im not for sure what the issues really is. This really needs to be look in to because I know I qualify so Im not for sure why when I have tried several times to get the loan I havent received it. I can assure you that I qualify for Tally. Please help me something is going on here and it isnt right. Thank you very much for your time, I truly appreciate it. Have a wonderful day and please be safe.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX AND EQUIFAX ARE REPORTING FRAUDULETN ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XX/XX/XXXX XXXX : XXXX -- -> : {$50000.00} XX/XX/XXXX XXXX XXXX -- XXXX : {$8100.00} XX/XX/XXXX XXXX -- -- XXXX : {$630.00} XX/XX/XXXX XXXX -- -- XXXX : {$6000.00} XX/XX/XXXX XXXX -- -- XXXX : {$920.00}XX/XX/XXXX XXXX -- -- XXXX : {$5500.00}XX/XX/XXXX XXXX -- -- XXXX : {$3000.00} XX/XX/XXXX XXXX -- XXXX XXXX : {$3000.00} XX/XX/XXXXXXXX -- -- XXXX XXXX {$6400.00}
Product: Consumer Loan

I came to the XXXX location in XXXX to apply for a loan. The loan was to pay for a certification class and moving expenses. After explaining the situation in its entirety to the representative, I was told that I needed to open an account to apply. After opening a checking account, he opened a savings account for me as well although I did n't need it. He then did the loan application and told me to check back in a few days. I decided to call the customer service number about an hour after getting home and was told that my application had been denied. I was also told that the decision was made right away, as in while I was in the branch. After appealing the loan process several times over the course of 4-5 days, I was finally told that Navy Federal does not grant personal loans for job certification purposes, but would be more than happy to help me with my moving expenses. After applying for a 4th time, I was denied again without a proper explanation. I was told to simply wait for my letter in the mail explaining the decision. I will be starting a new career in California on Monday, XXXX XXXX, and all Navy Federal has managed to do is waste my time and energy. From the beginning, the representative simply signed me up and left me out to dry. Knowing my application was denied, he told me to simply call back a few days later. Knowing that you do n't give loans for certifications, your customer service and lending teams wasted my time and money having me appeal and process several loan applications. I am going tomorrow to withdraw my money and close my account. I am also recommending my brother, a active member of the ( XXXX XXXX ) and my mother, both account holders of Navy Federal to do the same. I have never felt so cheated and swindled by a company in my whole life. I want this to be made very clear to Navy Federal : you created a checking and savings account for me AND RAN MY CREDIT knowing that the reason for the loan was not something you support. Shame on you and your banking institution for not knowing better.
Product: Credit card

On XX/XX/XXXX, I made a purchase on XXXX with my American Express XXXX Card for wine " futures '' - wines which I pay for now, that will be delivered up to 3 years later. Unfortunately, the merchant, XXXX filed for Chapter XXXX Bankruptcy protection ( during the 3-year waiting period on XX/XX/XXXX ) and wo n't be shipping the wine to me. I have neither received the product, nor a refund from XXXX. American Express is refusing to issue a refund, stating that they only have 540 days from the date of the transaction, to start a dispute. Unfortunately, the clock should start after the product was supposed to be delivered, not after the initial transaction. XXXX XXXX XXXX wines are often purchased as " futures '' two or three years in advance of receipt. I am requesting a full refund of my AMEX purchase for {$3300.00}. Can you please help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Inquire reported on my account is inaccurate. Needs to be removed, it is damaging my lifestyle. 
MACYS/CBNA Inquiry Date : XXXX Removal Date : XXXX Type : Department and Variety Stores XXXX non specific It is being reported on my credit and damaging it. PLEASE CORRECT and REMOVE as soon as possible.
Product: Debt collection

I, XXXX XXXX, is the consumer in fact and I am asserting all rights. I am aware that the Consumer Financial Protection Bureau is here to enforce Federal consumer financial law and to ensure that I, the consumer, have access to markets for consumer financial products and services to which are fair, transparent and competitive. I am also aware that the CFPB is authorized to exercise its authorities under Federal consumer financial to protect the consumer from unfair, deceptive, or abusive acts and practices pursuant to 12 U.S. Code 5511 ( b ) ( 2 ). 

I, the consumer, am contacting the CFPB about an alleged debt from Enhanced Recovery Company. On XX/XX/XXXX, I received copies of my consumer reports from the three major reporting agencies to find that Enhanced Recovery Company reported the alleged debt to the consumer agencies without providing proper notice pursuant to 15 U.S. Code 6802 ( a ). The debt collector also violated 15 U.S. Code 6802 ( b ) ( 1 ) ( B ) ( C ) of the Gramm Leach Bliley Act by not giving I, the consumer, the option to opt out of disclosures to third parties. 

I sent a validation letter to the ERC and I asked for the company to provide documentary evidence and a contract to provide that I owe the alleged debt. The debt collector failed to supply the evidence. On XX/XX/2021, I produced a cease and desist pursuant to 15 U.S. Code 1692c ( c ). I am currently awaiting a response.
Product: Checking or savings account

I deposited two XXXX checks in the course of one month. The first check I was unaware the definition of XXXX it was an old check I had saved. The bank called me and said it was an issue with the signature on the check not the date. They asked me if they had permission to reverse that check and for me to take the check to the bank to check the signature. I gave them permission because I had already settled the bill. The second check I deposited I learned then about XXXX checks. The day it returned I called the bank to see the problem, they stated the reason was pending call back tomorrow. I could not call back because I had to fly home to see my father. My account was held for fraud while I was in another state with my father in hospice care. I have been a customer for almost 20 years. The bank gave me an extremely hard time. Every instruction I followed through on they did not deliver on their promise. Supervisors hung up on me and never called back. XXXX XXXX a supervisor was so rude and condescending he told me that he did not want to give me false hope. They told me my accounts were frozen and it could not accept deposits or money be extracted but they allowed my payroll check to deposit. They also allowed me to deposit cash to settle things for them and still refused to release me. I waited for at least an hour each call. I visited the branch 4 times ; I am a XXXX XXXX XXXX I am not a fraud and they just treated me like I have not stuck with them for this extended time. The bank told me over the phone to go to the branch to settle the account and close it at the branch. I went to the branch, and they did not have the authority to do this. Then they told me to bring the money in cash to lift the hold so I could close it and be done with them. After I did that, they told me the investigation just started because I gave them the cash and they would not lift the hold. Truist is a nightmare they don't communicate properly ; they don't keep their promises and they don't care about their customers.
Product: Credit reporting or other personal consumer reports

EQUIFAX is illegal reporting charge-off/collection accounts on my credit report. These said accounts are considered a certificate of indebtedness and therefore deemed income, per IRS Publication 4681. Erroneous reporting violates federal regulations, including the Fair Credit Reporting Act ( FCRA ) and The Privacy Act of 1974. Charge-offs/collections are considered as income per IRS Publication 4681 and should not be included in consumer reports, as explicitly mandated by federal regulations. However, Equifax has inaccurately reported this income, breaching the FCRA and IRS guidelines. This misleading reporting not only misrepresents my financial standing but also infringes upon federal regulations designed to ensure accurate and fair reporting to consumers. Despite my attempts to rectify this issue directly with Equifax by disputing the inaccurate information on my consumer report, the erroneous reporting has not been rectified. This continued misreporting has substantially hindered my ability to access credit and financial opportunities. Furthermore, Equifax 's actions violate several federal statutes. Moreover, it directly contravenes federal laws aimed at protecting consumer privacy and ensuring fair and accurate credit reporting. I respectfully request the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Equifax for their egregious violations of federal statutes. Additionally, I seek immediate rectification of the inaccurately reported information on my consumer report to mitigate the ongoing financial and emotional XXXX  caused by above actions. Thank you for your attention to this matter. I eagerly await your prompt response and resolution.
Product: Debt collection

I sent in a complaint for Tek Collect, they are reporting a balance in collections on my credit report ; this is completely false and they need to remove this balance immediately. 
They sent me validation and the statement I received shows that I have a balance of XXXX. XXXX Regardless of the EOB that is not a bill by the way, what was billed to me from XXXX XXXX showed that I owe nothing and that my balance was XXXX. 
This is falsification and they need to remove themselves from my credit report immediately.