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

I am filing a complaint against Cash App ( Block , inc ) due inadequate customer service and unfair practices, which violate the consumer 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. Futhermore, 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of account ( s ) below has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dept of ed/XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX US dept of educatio XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The consumer reporting agency also violated my federal rights by running a credit check on me multiple times from each of the consumers listed
Product: Debt collection

it appears that these debt collectors are have my name mix with someone else as the same as mine and now they coming at me saying i had this account in 2013 it appears to be bogus.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act convergent account # XXXXXXXX XXXX XXXX XXXX violated my rights on XXXX X XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. STATES I HAVE THE RIGHT TO PRIVACY XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS THESE ACCOUNTS VIOLATED MY RIGHTS AS WELL ACCOUNT # XXXX SWISS COLONY XXXX ACCOUNT XXXX XXXX XXXXXXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I have always made it a priority to pay my bills on time, and I have a strong payment history with other creditors to support this statement. However, I believe there has been a mistake in the reporting of the late payment ( s ) mentioned above.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I called experian in regards to a dispute that was open since XXXX. 
When speaking to an agent they said that I had to sent in a file a XXXX report in which i sent them already and after calling to verify they said it would take 30 days to investigate. After 30 days i call and they tell me i sent in the wrong form, in which i already verified with an agent after they recieved it prior. Trying to fix this issue i ask again which form do i need to move forward the agent advised me to complete the identity theft report form. In which i completed on the phone with her and uploaded online. I ask the agent to take a look at it and she verified it was the correct form. After another 30 days I called to check the status an agent said they couldn't move forward because i provided a false report form, in which i completed with an agent who also seen it as i uploaded it. After waiting on hold 30 minutes she ultimately said the form was correct and call back in 3 -5 days. After 7 days i called spoke to an agent and they told me my dispute results and the items came back as verified but they failed to investigate.A dispute usually takes 30 days however it was over the 30 days and the items that were disputed are still on my report. Once the dispute was over the items were still on there & Even after talking to several representatives about this issue they have yet to remove one rep hung up on my when i requested how these items were being verified they failed to tell me and said " they aren't able to disclose '' but how are you verifying this information is accurate on my report. The agent also said himself we dont investigate disputes only if the creditor verify it it remains. They are violating my rights as a consumer 15 usc code 16811i.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX : {$11000.00} XXXX XXXXXXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed over and over and over again to the tradeline to ATTORNEY GENERAL-XXXX. They are reporting wrong information on my credit report for child support. I have NEVER been late on my XXXX XXXX payments. My XXXX XXXX payments come out my paycheck automatically every two weeks. There is not way I have ever been late. Im asking for the last time to have my credit report to reflect no latenesses and if you can not do that remove that negative tradeline from my credit report. I also need the name of the person who is reporting this to Equifax. Equifax need to get on the phone and call the attorney general office and get this straighten out. This is the last time I will request this to be fixed or my next course of action is to file a lawsuit. I have had enough of this. It seems the only way to get this right is to file a lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company ran unauthorized credit inquiry on my credit report. Please remove as these are suspicious to me : XXXX CARD
Product: Debt collection

i live in PA, i am 100 % XXXX vet which excludes me of property taxes. the bank was provided all the paper work last year. my monthly payment was then lowered to {$600.00}, i send {$610.00} every month. come to first of the year the mortgage company decided to pay the taxes on their own, which then put my escrow account in the negative, then they raised my mortgage payment to {$820.00}. been dealing with the company for 3 months with hour long phone calls, to only get no call back or they were caught in lies. now my credit report was hit for XXXX points for deliquiate acct. 

i have no clue which way to go here this problem has caused me so much stress
Product: Checking or savings account

I was always charged a fee and also my account was fraudulent used as well had never gotten a loan do to credit, had several problems with account and had to switch banks, because someone was fraudulent taking money in and out of my account with out my concent, I had to pay all money out of my pocket
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FDCPA SECTION 805 ( b ) & SECTION 809 ( b ) Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Debt and Collection Practice Act regarding your undocumented UNVERIFIED NO PROOF OF CLAIM information from my consumer file. I intend to pursue litigation in accordance with the FDCPA Section 809 ( b ), FTC opinion letter XXXX XXXX XXXX to seek relief and recover all monetary damages that I may be entitled to if the UNVERIFIED NO PROOF OF CLAIM items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. XXXX XXXX XXXX is the third company trying to collect Despite three Previous complaints and requests, there is still no PROOF OF CLAIM and items listed below still remain on my credit report in violation of Federal Law. You are required under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Furthermore, you have failed to provide any transfer title of ownership on the charged-off written of account. Please be advised that FDCPA Section 809 ( b ), FTC opinion letter XXXX XXXX XXXXXXXX The law is very clear as to the Civil liability and the remedy available to me Consumer Protection afforded by the FDCPA if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FDCPA, FCRA and FTC. I demand the following accounts deleted immediately. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX BAL {XXXX}, XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX
Product: Credit card or prepaid card

I have an XXXX American express card previously setup on autopay ( full balance ). I decided to clear my balance manually on XX/XX/23 since I did not plan on using the card anytime soon. 3 days later I have a payment request on my checking account and fees for non payment. I stopped the autopay the same day but had another payment request the next day. 

I decided to call their customer service and been told that per terms and conditions the system will initiate the payment request up to 3 times even if the autopay is off and there is no balance on the account. 

The solution they offered me is to authorize the payment just so they can send me a check back which is not in my best interest especially because I do not owe any balance on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I was informed by a mortgage lender that there was a judgment on my public record for {$2500.00} that was filed in XX/XX/XXXX. After researching to see what it was from, it was determined to be from XXXX XXXX. I had no knowledge of this at that time and wasnt given the opportunity to appear in court. 

I had been paying XXXX XXXX directly and made a final payment in XXXX of XXXX. However, they are also still reporting it as a collections account for {$160.00}, but never informed the court that payments were made resulting in inaccurate information on my public record. 

Currently, I have this double reporting for the same debt in two different amounts and the collection agency ( Stenger and Stenger ) has not responded to verbal or written requests to resolve this, by updating the court and/or providing me with current documentation, which is preventing me from closing on a home during a highly competitive market and putting me at risk of losing it.
Product: Credit reporting or other personal consumer reports

I want to dispute inaccurate information on my credit report, including incorrect addresses and other variations of my details that are not accurate. The addresses in question are XXXX XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX XXXX, NJ XXXX, and XXXX XXXX XXXX XXXX, NJ XXXX. Incorrect Employer variation XXXX XXXX XXXX and XXXX XXXX XXXX. These details are inaccurate and do not belong to me. I am requesting their immediate removal from my credit report and I want an updated credit report, only accurate and verified information should be on my credit report. My current address is XXXX XXXX XXXX XXXX NJ XXXX, and my current employer is XXXX XXXX XXXX. Please fix these inaccuracies. Once these changes are made, I request written confirmation and an updated copy of my credit report.
Product: Mortgage

In XXXX of 2016, I filed for bankruptcy. While in bankruptcy, Capital one continued to charge interest on the loan, plus other trumped up charges like home inspection, attorney 's fees, and late payment fees. I would like the bank to remove all those charges and credit my account in accordance with the bankruptcy laws. 

Secondly, my record shows that I paid up to date with the bank prior to filing for bankruptcy. However, Capital One claims that they are not going to send me monthly billing statement on the basis that my account is not up to date. Whereas, the their last letter indicted that I owed {$1100.00}. That payment was made in full. and evidence herein attached. Therefore, if Capital One believes that I had a missing payment, they should indicate the month and amount they claim I owe till date. 

As proof, I have attached a letter in my complaint from Capital One, stating an amount to be paid in other to bring the account up to date and a certified check payment made by me to bring the account current. Therefore, I am clueless to why billing statements where still not sent monthly, and how i can owe ofter making such the payment asked.
Product: Credit reporting

XXXX charge off account is being reported incorrectly on my Credit ReportI called XXXX and they were not able to provide me information on this account
Product: Credit reporting or other personal consumer reports

I paid off loan they first reported as written off I contacted you they reported paid off now they reported on my credit report as late 30 60 days late and will not correct it on my reports but send me over a letter head showing a XXXX balance but I need it removed as late n a charge off on my report I contacted their resolution department but they have failed to respond as I asked them to remove the degrotiary remarks n they refuse I want this resolved
Product: Mortgage

Due to covid19 I fell behind considerably on my mortgage. At the same time I had an home owners insurance claim pending for water damage and other issues. I was eventually awarded {$45000.00} on the claim. As required, I immediately sent the check to Freedom Mortgage on XX/XX/2020 who is my mortgage lender and explained to them that it would take approximately {$25000.00} to do the repairs In my house and I would like to use the rest to bring my delinquent mortgage current. To this day I have not received any of the money to start the repairs on my house despite sending all the additional documents that Ive been asked to send pertaining to my divorce. I was told that my ex wifes name would have to be included on the check. I sent them a document showing my ex wife had assigned over the insurance benefits to me. They asked me to send in the divorce decree showing I was awarded the property during the divorce. After I sent that it still wasnt good enough so I asked them to just go ahead and put my ex wifes name on the check and I would work it out from there. I was told no, they cant do that, but the hold issue was that the check must have the ex wifes name on it. After exhausting all my efforts I decided to make this complaint.
Product: Checking or savings account

XXXX ) I opened a 1-year CD for {$5000.00} at 2.75 % interest online with CitiBank on XX/XX/XXXX. The CD was issued with number XXXX. 
XXXX ) On XX/XX/XXXX I called CitiBank to close the CD early and was told is would be assessed a penalty of {$28.00} leaving a balance of {$5000.00}, and I would receive a check in 10-14 days. 
XXXX ) After receiving my mail on the fourteenth day, I called CitiBank at XXXX and was told it could take 15 business days, and they would reissue the check if it was not received by XX/XX/XXXX. 
XXXX ) On XX/XX/XXXXXXXX, I called CitiBank again and finally talked to a supervisor named XXXX or XXXX, who said they were reissuing the check and he would attempt to get it expedited if possible -- was given a reference number of XXXX. 
XXXX ) Today, XX/XX/XXXXXXXX after waiting another fifteen business days and not receiving a check, I called CitiBank, and XXXX checked to learn that whoever requested the second check did it incorrectly, so he would need to cancel that check and reissue it again! I insisted that they should either send the money via an electronic transfer or mail it overnight, but he said their procedures do not permit that.
Product: Debt collection

{$3800.00} XXXX XXXX XXXX keeps illegally reporting inaccurate fraudulent collection debt to credit bureau XXXX, XXXX and XXXX. I have submitted evidence through police investigations as evidence of credit card fraud and identity theft. The fraudulent debt was originally removed from XXXX XXXX XXXX XXXX XXXX bought this fraudulent debt account and has reinserted this debt collection as new open debt. This is illegal and has to be removed IMMEDIATELY. XXXX, XXXX and XXXX are not properly investigating this debt as to is was originally reported as fraudulent from original debtor and by law can not be reassigned just because another company bought the fraudulent account.
Product: Checking or savings account

Regarding XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Virginia  Now union bank and trust I sent a letter into the office of comptroller for currency in late XX/XX/XXXX regarding this existing problem They sent me correspodence on XXXX XXXX via email that they had referred my situation to the cfpb but no record of it on my file Regarding accountability of where my deposited funds are located or was sent or transferred. 
I have check the unclaimed division s of the US treasury no record of the accounts being sent to them In XXXX I deposited XXXX XXXX XXXX   proceed check from the sale of my residence at XXXX XXXX XXXX XXXX XXXX Virginia XXXX XXXX XXXX XXXX XXXX XXXX At the time I handed my proceed check of XXXXXXXX XXXX  to the XXXX XXXX  manager on duty. 
She said we are rich? Whatever that meant.. 
Plus I deposited approx XXXX XXXX XXXX from XXXX ( From XXXX XXXX  XXXX checks from a car accident in XXXX XXXX while at work at XXXX XXXX ) In XXXX north Carolina close to where I lived at XXXX XXXX XXXX XXXX Virginia Off of XXXX XXXX. And XXXX XXXX I went to get some of my monies and I was told I had no account in approx XXXX I have called I gave sent letters to XXXX XXXX XXXX And numerous emails to XENITH Union bank XXXX XXXX  XXXX XXXX And of recent I spoke to XXXX at Union Bank and trust on XXXX XXXX And he said he was going to transfer the details again to their servicing department to SEARCH for where my funds went. still no response to date I recently sent A sworn notarized statement to bank of XXXXXXXX XXXX Attention XXXX XXXX XXXX XXXX XXXX Virginia Stating under oath that I did not receive any monies back from the XXXX XXXX proceed check account No response
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of XXXX, I started trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters was sent to the XXXX credit bureaus, XXXX, XXXX and TransUnion on XX/XX/XXXX and XX/XX/XXXX but nothing has been done.
Product: Credit card

Monday, XX/XX/XXXX Closed pending Best Buy credit card application made without my authorization Contacted Best Buy fraud department to close account Froze credit through all credit bureaus and disputed Hard Inquiries made through XXXX Credit bureau
Product: Credit reporting or other personal consumer reports

I applied for a loan from XXXX XXXX XXXX XXXX around the ending of XX/XX/XXXX, which I was denied. A XXXX XXXX XXXX XXXX loan officer stated I was denied due to fresh bankruptcies on my credit report. I stated I had not filed any bankruptcies in XXXX, I was advised they go by information from TransUnion through their credit dashboard. I checked my credit report on the dashboard system and there was three bankruptcy filings for XXXX on the same day, I noticed during the period of XXXX - XX/XX/XXXX each month the report had three new filings with a new date for each month. On XX/XX/XXXX, I

disputed online all the bankruptcy information on my report and the next day I saw dispute investigation completed and information was accurate and verified. Trans Union has engaged in deceptive acts and practices in violation of FCRA which has caused me economic and emotional harm. Trans Union has failed to meet the standard of accuracy on reporting that is required of CRA 's under the FCRA. Trans Union engaged in a pattern of reporting practices that failed to properly collect, collate, assess and report accurate bankruptcy information, causing inaccurate and/or misleading notations onto my credit report. To indicate that I filed three bankruptcy cases all on the same day and changed with each new month is beyond a huge failure. It goes against federal laws and statutes relating to court filing procedures which any competent person should know. Trans Union also failed to update its public record searches, resulting in its failure to include complete bankruptcy records. This impacted me by having my credit scores lowered, denials of loan and credit applications, and higher interest rates. I have disputed the bankruptcy information listed as inaccurate on my credit report for years but each time Trans Union came back stating information was verified. However, Trans Union has listed on my credit alert history that the
XXXX  Bankruptcy Court had notified them of filings, which is false information. Once I disputed the wrongful bankruptcy data in their reports, I was advised and le
d to believe that the information was reported by the Courts and I needed to contact them. Trans Unions failure to be fully transparent during the investigations and reinvestigations and correction phase of the dispute process has caused me great distress, anxiety, feelings of despair and hopelessness. Their inaccurate information has caused lending institutions, etc. to have a prejudicing perspective due to this adverse information, especially stating I have filed for three bankruptcy filings in one day and the dates changed with each new month. It's obvious Trans Union is not in Metro 2 compliance and disregards rules and regulations as it has XXXX XXXX as the furnishers. This false and inaccurate information from all bankruptcy information listed should have been removed.