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

I am filing a complaint again cash app ( block , INC . ) due to inadequate customer service and unfair practices which violate the customer 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 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: Checking or savings account

On XX/XX/XXXX I did a noble deposit for {$2800.00} on my Wells Fargo app : it told me that on XX/XX/XXXX {$220.00} would be available and on XX/XX/XXXX {$2600.00} would be availabe. As of today XX/XX/XXXX the deposit wasnt in my account so I called Wells Fargo who told me the funds was put on extend verification and will be available on XX/XX/XXXX. No one has noticed me of this, no email, no call no message sent in the mobile app. I find out by calling the bank and be told there is nothing they can do to release the funds. I was counting on these funds for my trip to see my son who is be XXXX to XXXX for the next year. How can a bank tell you one thing then change it without notify you. I even asked if some of the funds could be released and was told they can do anything thing once a hold has been placed.
Product: Credit reporting

XXXX Date of Last Payment, Date of Last Activity is still not being reported after their investigation. Account was also not validated, no copies of signed contract and no payment history. 
CRA 611-15 USC 1681 5 ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly DELETE that item of of information from the file
Product: Credit reporting, credit repair services, or other personal consumer reports

YOUR COMPLAINT It is Equifax is duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. Equifax is reporting three in accurate late payments for the XXXX XXXX account, which does not have an account numbers to reference to. These include two 30 day late payments posted in XX/XX/XXXX and XX/XX/XXXX and one 60 day late payment in XX/XX/XXXX. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( I ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in Equifax violating my federally protected consumer rights. To add to this I did NOT give Equifax written instruction/permission to furnish these in accurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ) it is clear that Equifax has violated my federally protected consumer rights under the FCRA, and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
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 investigate this account below : XXXX Account XXXX XXXXXXXX I don't have the full account number because this is all the credit bureaus are showing. 


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 1681i ( 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 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

For over a month I have been trying to transfer funds out of my Marcus by Goldman Sachs savings account. They have had no trouble transferring money into the account from my other banks but now that I need access to that money, they wont allow me access to it. I have sent them an affidavit of identity which they received a week ago ( according to usps tracking ) and they still have not processed it and claim they havent received it yet. I have had this account for years with no issues. They supposedly updated their policies but did not inform me that they did. They claim they cant use my phone number to authenticate me but they have no problem authenticating me for online banking with my phone number. They claim they cant use my email which also has no problem being used to get into online banking. I have provided them my name, social, date of birth, address, my secret word they make you put on your account, my phone number, my email, etc. I asked if there was an office that I can go to and they told me no. I asked if theres any other way to get this situated, I was told no. They are denying me access to my money even though I have provided them with everything they have asked for. I tried speaking to a manager and it got me nowhere.
Product: Mortgage

I went through forbearance during Covid, Was 24 months without employment income, exited through a Mortgage Modification Plan in XXXX, XXXX My adjustable mortgage was at 3.625 % during forbearance and was increased to 5.625 % during the Modification and remained at 5.625 % fixed after modification. I have always personally paid my property taxes and insurance premiums when due. The servicer insisted on an escrow account. 
The qualifying payment during Modification was {$3400.00}. Modification was then approved with a monthly payment of {$3300.00}, very close to the Modification payment as I was told it would be. I agreed and could afford that. 
Three months later a letter stated that the new payment would be {$3700.00}. I called my Relationship Manager and she was upset that a longer period had not been granted to pay off the escrow deficiency. She had the escrow repayment period extended from, I believe, 19 months to 36 months. The authority was there to extend it to as long as 48 months. The new payment was {$3500.00} from XXXX XXXX to XXXX XXXX. Their letter dated XXXX, XXXX informed that the payment would jump to {$4000.00} as of XXXX XXXX. That huge payment can not be accommodated within my financial means and it may result in foreclosure. I will have to cancel automatic payments from my checking account because I won't have adequate funds there to cover it.
Product: Credit reporting, credit repair services, 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. 
XXXX Accounts #, XXXX dated XXXX dated XXXX dated XX/XX/2018, has violated my rights. 

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 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to TransUnion, XXXX and XXXX several times throughout 2020 to resolve the removal of a bankruptcy that's showing in error on my credit report. The last time I decided to also reach out to other entities like XXXX and a few more to see where TransUnion, XXXX and XXXX are getting this information. They allowed me to know they have no records of a bankruptcy and TransUnion, XXXX and XXXX did not get the information from them. TransUnion, XXXX and XXXX has yet to remove this from my report and I want it removed ASAP due to the severe impact that it has on my credit report. Not to mention XXXX is reporting this information twice.
Product: Credit reporting or other personal consumer reports

My consumer rights have been violated due to non compliance of federally guidelines with XXXX, Experian, XXXX According 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( XXXX ) bill of exchange act FCRA, Consumer Bill of rights.
Product: Debt collection

On XX/XX/XXXX, I got an alert from my XXXX account stating that a new collection was on my account from IC Systems in the amount of XXXX. I never received a call or letter from them stating that I had this debt. I remember earlier in the year showing a collection account on my credit from XXXX totaling the same amount. I notified them and was given information regarding the debt, and I told them that wasn't mine debt, because the service address was one I never lived at. The rep told me at that time that I need to submit an identity theft packet to XXXX who was the one reporting the debt. I completed the packet and even got it notarized, and submitted all the information to XXXX. The debt was deleted from credit report. However, now the same account is being reported through another collection agency. I've reached out to them and made them aware that this debt is fraud, and that I submitted the necessary paperwork to XXXX to remove this debt. This morning I received another alert saying that IC Systems flagged the my credit report again. 
Collections Agency : IC Systems Debt company : XXXX Account Number : XXXX Date account was opened : XX/XX/2012 Collections Reference number : XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX until now XX/XX/XXXX- I am a victim of fraud. I told the bureau that the phone numbers, address, and names are not me and verbally they advised it was correct. I have found companies that have slammed me ( XXXX ) with incorrect reporting-per them it was open in XX/XX/XXXX for one month but, you cant have to companies - I sent over information of proof that XXXX was the provider which was on my report. I disputed both the utility and medical but, XXXX violated my rights- I provided the information that was request but, the fraud representative stated the had to do what the creditor wanted regardless. So, I was advised that XXXX will do what the creditor advises only and the other person is not has no rights. The agent was rude and hung up the phone. I called back and the next agent after giving them my info did a blind transfer and it hung up. I call again and asked for a manager and was advised no manager was on duty in the fraud depart. Man was rude and state lets dispute it again but, he never did.. I just check.. I have disputed this account many times with all XXXX credit bureus. This account has never been verifiable and is reporting different account statuses and amounts By law the FCRA states all information has to be 100 % verifiable and accurate. This account is not following the law. However, XXXX XXXX dates are not correct and the bureau is also aware and refused to do anything.
Product: Money transfer, virtual currency, or money service

I was the victim of identity fraud last XXXX whereby a fraudster contacted my mobile network provider and impersonated me in order to obtain digital sim cards for my phone. 

The fraudster used my digital sim card and some account info obtained as part of a data leak to access my financial assets, including my Coinbase account. 

Upon accessing Coinbase account, they sold crypto of value XXXX XXXX XXXX ( I know the exact figure becuase coinbase support provided a transaction report ) and withdrew the resulting funds. 

I contacted Coinbase almost immediately to report the fraud via phone and email. Over the past 10 months I have provided numerous pieces of evidence including a police report to support my case for compensation.

I have been reassured mutliple times by Coinbase operatives on the phone and via email that I will recieve compensation but the last written comms I have from the company was in XXXX and when I call the helpline I am told to wait for email comms. 

I do not understand how a listed company can have no process for dealing with these things.
Product: Credit reporting or other personal consumer reports

( XXXX, XXXX ), ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 
1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX XXXX XXXX of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A cell phone account opened at XXXX on XX/XX/XXXX Account number ( XXXX ) an auto loan opened at XXXX XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) a personal credit card at XXXX XXXXXXXX on XX/XX/XXXX Account number ( XXXX ) a personal credit card opened at First Premier on XX/XX/XXXX Account number ( XXXX ) An Collection Opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) An Collection Opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

Credit Card Reported late on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I suffered from XXXX  in XXXX Summer it took a toll on my body causing me to not be able to pay my bills prior to that i did not miss payments i would like the late payments removed i did reach out to the customer service department in XX/XX/XXXX however they did not try to work with me hopefully we can come up with a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

" On behalf of myself, I'm submitting this complaint myself and there is no third party involved. I'm writing this complaint based on the bureau 's failure to respond to my letters. I have been trying to get in contact with ( put the bureau name here TRANSUNION .for the past 45 days and I have not received not a single response for the past 45 days. Please respond to my letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX certified mail sent to Equifax XX/XX/XXXX was ignored which is a violation of U.S. Code 1681 ( a ) ( 1 ) ( A ) which states if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. - Equifax refused to investigate although new information and documentation was sent to them regarding there being two different credit collectors attempting to collect on one account.

I advised Equifax of the second violation of the Fair Debt Collection Practices Act 15 U.S.C. 1681a Section 623 ( a ) XX/XX/XXXX stating the original creditor provided them with inaccurate information/fraudulent fees and charges and Equifax did not complete a thorough investigation. Equifax allowed the company to deduct fees for which they could not prove I owed off of the total balance but failed to investigate all fees listed in the dispute I sent to them. 

Equifax removed both collection accounts from XXXX XXXX and XXXX XXXX from my credit report twice in the past 120 days. The latest being XX/XX/XXXX. I was not notified on either occasion of the accounts being added back to my credit report within 5 days which is required under federal law FCRA 611 ( a ) ( 5 ) ( B ).

Equifax has violated The fair Debt Collection Practices regarding these accounts and my dispute requests more than five times in the past 120 days and continue to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 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 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. 
I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not remove the account because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Dispute Letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. My credit report includes the erroneous information that needs to be investigated and remove : XXXX XXXXXXXX Date Opened : XX/XX/2007 Balance : {$0.00}
Product: Debt collection

I have been receiving many phone calls from this number over the past several weeks. Today is the first time they have left a recorded message saying they are Pioneer credit recovery and to call this number XXXX. 
as I don't have any debts this is a scam.
Product: Debt collection

Approximately 2014, I was a patient at XXXX XXXXXXXX XXXX. They advised I needed a XXXX XXXX  for XXXX. I requested the cost before I could decide if I would move forward with the purchase. They said they would contact my insurance company for coverage and went ahead and took impressions at that visit so they would already have them if I decided to move forward. I received a quote for the cost of the guard but was told they needed to reach out to see what insurance would cover. I said okay - still not agreeing to purchase as I couldnt afford if insurance didnt cover 100 % ( or close to it ). Upon my next visit, I was being handed a mouth guard and told it wasnt covered at all by insurance. I never accepted the product. They even called me for several months asking me to pick it up. Again - I NEVER AGREED TO BUYING THE GUARD WITHOUT INSURANCE COVERAGE NOR DID I EVER TAKE RECEIPT OF THE ITEM. They sent the debt to a collection company who continues to report the debt as a collection for years. I have tried several times to dispute but they just put a statement valid debt - consumer disagrees without any proof to invalidate my above claims.