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

I am filing a complaint against Cash App ( Block , Inc. ) due to 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 redress These actions have caused significant inconvenience and financial loss, and I seek appropriate redres for these violations.
Product: Credit card or prepaid card

This account was opened on XXXX 2022. There has been only XXXX purchases and XXXX payments. While I was setting up the payment information, I typed the wrong routing number. I contacted the company right away to let them know. Still the company try to do a collection which it did not go thru due to wrong account. To prevent my payments to be late I made a payment, with no difficulty since I had already straightened the problem. On XX/XX/2022 the statement is telling me I have a balance which is completely wrong as I had already paid more than it was due to bring the account to zero. I am still been charged for the first payment that was schedule that did not go thru. I have contacted the company XXXX times. I have records with time and dates. XXXX of the times I have written to the company explaining the issue. I printed All the statements so they can see were the problem is, hoping they will go month by month as I have requested multiple times. I really need helped with this. Just getting aggravated when dealing with a huge company. Ready to send you more info. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am writing to assert my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and demand a thorough investigation and prompt correction of a collection account that has been paid in full but continues to be inaccurately reported on my credit report as " payment after charge off/collection. '' Your immediate attention to this matter is required, as the continued presence of this inaccurate information is causing significant harm to my financial well-being. 

The collection account in question is as follows : Creditor : Walmart Account Number : N/A I have paid this collection account in full, and the outstanding debt has been satisfied. Despite the fulfillment of my financial obligation, the account still erroneously appears on my credit report as " payment after charge off/collection, '' which is an inaccurate representation of the account 's status. 

Pursuant to the FCRA, I demand that you initiate an immediate and comprehensive investigation to verify the accuracy of this collection account. Should you fail to substantiate the validity of this account or correct the inaccurate information, I insist that you promptly update the account 's status on my credit report to accurately reflect that it has been paid in full. 

In accordance with the FCRA, you have 30 days from the receipt of this letter to complete your investigation and provide me with the results in writing. If your investigation substantiates the inaccuracy of this collection account, you are legally obligated to correct the account 's status on my credit report and notify me of the changes made. 

I expect your agency to fulfill its legal obligations under the FCRA without delay. Failure to do so may result in further legal action on my part.
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. 

DEPT OF ED/XXXX XXXXXXXX Balance. {$5700.00} DEPT OF ED/XXXX XXXXXXXX balance. {$2800.00} DEPT OF ED/XXXX XXXXXXXX balance. {$5500.00} DEPT OF ED/XXXXXXXX  XXXX balance. {$2700.00} DEPT OF EDXXXXXXXX XXXXXXXX balance. {$10000.00} DEPT OF ED/XXXX XXXXXXXX balance. {$5600.00} 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. I have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists
Product: Credit reporting, credit repair services, or other personal consumer reports

Citibank NA processed two consecutive UNAUTHORIZED hard credit report inquiries into my individual XXXX credit information. The first hard XXXX credit report inquiry occurred on Tuesday, XXXX XXXX, 2017, and the second hard XXXX credit report inquiry occurred on Wednesday, XXXX XXXX, 2017.
Product: Debt collection

Auto insurance was fraudulently used/opened in my name and creditor kept renewing policy even after I transferred insurance companies and requested a termination of contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an account ( XXXX XXXX XXXX ) with Experian yet they keep coming back saying verified accurate how? Who? I believe Experian isnt doing a thorough investigation of my dispute, because all three credit bureaus arent reporting the same thing. This account was deleted from other bureaus and I have proof but yet Experian said its accurate by who? Its looking like they have never done the investigation to being with. And I have proof this account needs to be deleted immediately upon receiving this complaint. Also Experian is reporting bankruptcy account and I have disputed that as well and its come back as verified accurate by who and I want to know THE METHOD OF VERIFICATION. Experian is in clear violation of reporting inaccurate information on my consumer file the is LAW 15 U.S. CODE 1681e ( b ) Compliance procedures & 15 U.S. CODE1681 ( a ) ( 4 ) CONGRESSIONAL FINDINGS AND STATEMENT OF PURPOSE. This bankruptcy account is in clear violation of 15 U.S code 1681B PERMISSIBLE PURPOSE OF CONSUMER REPORTS I never gave them anything in writing given them permission to report this which is against the law identity theft at that and 18 U.S. Code 1028A AGGRAVATED IDENTITY THEFT which is felony two years in prison. I would like a full new copy of my credit report reflecting the deletions sent to me via usps mail.
Product: Credit reporting or other personal consumer reports

Recently I checked my credit report and noticed that there are a lot of inaccuracies on my credit report. According to 15 USC 1681a ( 4 ) a ) Accuracy and fairness of credit reporting, 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
Please fix all my personal information and correct it from my credit report. My name that is on Experian right now is XXXXXXXX XXXX XXXX which should not be like that on there it should ONLY REPORT : XXXX XXXX XXXX. On XXXX it is reporting wrong as well which it says currently : XXXX XXXX XXXX which is wrong it needs to say : XXXX XXXX XXXX. My address reporting on Experian is currently WRONG AS WELL : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX, this is the correct address that needs to be on their ONLY : XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  XXXX, CA XXXX. XXXX its reporting wrong as well : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX. XXXX Correct address is : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX. XXXX it also has the wrong address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX, the Correct address is : XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX. All Previous addresses must be DELETED IMMDATELY. My employer on XXXX is reporting wrong also : XXXX XXXX XXXX, the CORRECT ONE ONLY SHOULD BE REPORTING IS : XXXX XXXX XXXX. Experian is also reporting the wrong employer : XXXXXXXX XXXX the CORRECT ONE IS : XXXX XXXX XXXX. XXXX is also reporting the wrong name as well : XXXX XXXX XXXX, THE CORRECT EMPLOYER IS : XXXX XXXX XXXX. PLEASE FIX ALL MY PERSONAL INFORMATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE FIND ATTACHED LETTER I WROTE TO THE MORTGAGE COMPANY THAT I USED TO BE WITH AND PAY PAYMENTS. THEY ARE REPORTING LATE PAYMENTS, I WAS XXXX TO XXXX BACK THEN AND MY PARENTS TRIED THEIR BEST TO HOLD ON TO WHAT I HAD CREATED AND WITH ALL THE DIFFICULTIES THEY HAD TRIED THEIR BEST TO MANAGE TO MAKE PAYMENTS AND BE THERE FOR ME. 
I TRIED TO CALL THE MTG CO. BUT THEY ARE NOT IN BUSINESS ANYMORE AND ASKED TO LEAVE A MASSAGE. I HAVE NEVER RECEIVED ANY CALLS BACK TO RESOLVE THIS ISSUE. 
PLEASE HELP ME TO REMOVE THIS NEGATIVE MARKS FROM MY CREDIT REPORTS I NEED TO REFINANCE THIS HOUSE AND HOPEFULLY GET MARRIED AND START A NEW LIFE. 
MY RECORD IS SPOTLESS EXCEPT THIS TINY TIME WHICH I WAS NOT AROUND AND WAS SUPPORTING MY COUNTRY. NOW I NEED YOUR HELP TO REGAIN MY POWER AND BEGIN A NEW LIFE. 
APPRECIATED
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The Items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX UNIT C XXXX, TX XXXX XXXX FARM TO FM XXXX ROUND TOP, TX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Balance Owed : {$09.00} XXXX LAKES AT XXXX XXXX, TX XXXX XXXX FM XXXX ROUND TOP, TX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$3200.00}
Product: Credit reporting or other personal consumer reports

My account with XXXX - XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX - XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I have had several accounts opened with this company and have never been late on any and they are showing that I have an account opened in XX/XX/XXXXXXXX  thats showing late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX are showing payment was late which wasnt Ive never been late I want it corrected immediately
Product: Debt collection

ONLINE SPLIT JOINT ACCOUNT IN XXXX IN A EFFORT TO COLLECT ON DEBT INDIVIUALLY, TRYING TO UNLAWFULLY COLLECT DEBT FROM XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Address of the Credit Reporting Agency ] Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear XXXX I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 

Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

Please review the Inaccurate Information being Under the FCRA, you are required to : Conduct a proper investigation into my dispute. 
Inform me of the results of your investigation in a clear and comprehensible manner. 

Provide me with any documentation you rely on if the disputed information is verified as accurate. 

Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly. 

If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report. 

Furthermore, I request written confirmation of the actions you take in response to this dispute. If you fail to resolve, this matter, I reserve the right to escalate the issue with the CFPB and other appropriate agencies. 

Thank you for addressing this matter promptly. I look forward to your response within the legally mandated XXXX timeframe. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

When i contacted the company to make the payment of {$130.00} which states on all three bureau that amount, i was told it would be {$440.00} or renew loan. I wasnt able to do {$440.00}. My understating is that amount shown was that of previous settlemeant .i didnt make payments nor reset for s new loan wasnt sure what to do.
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the companies that I filed a dispute against XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

I went to Bank of America to cash a check that was issued to me from a client. Upon me attempting to cash the check, I was advised by the teller that she could not cash it. She went on to state that she could not cash the check, because I'm what they consider a NON-ACCOUNT HOLDER and it was over the limit for a NON-ACCOUNT HOLDER. That I would have to open an account with them or go to the bank that I bank with. I advised her that this was not legal. That if the check was drafted on a Bank of America check, and the funds are available, then she had to chase it. I then redirected myself to the branch manager hoping he could shine some light on this. I requested this policy in writing, because I knew it wasn't a law. She could not find it, however she still would not cash a legal draft. When have it come to in banking that they can force you in opening an account to get money that you have worked for or deposit your money when you are not willing to do so. This is not legal for them to do.
Product: Credit reporting or other personal consumer reports

There is a lot of hard inquiries on my credit score/report that I have not made and I did a dispute report on them from XXXX XXXX XXXX I DID NOT AUTHORIZE ANY OF THESE INQUIRIES AND I WOULD LIKE THEM TO BE REMOVED FROM MY ACCOUNT
Product: Debt collection

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureau is reporting inaccurate information on CALIFORNIA BUSINESS BU. Please change the status to Paid or simply " Remove '' the account. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here are the lists of the erroneous accounts reporting on my Credit Report : CALIFORNIA BUSINESS BU XXXX Opened : XX/XX/XXXX Balance Owed : {$2500.00} ; CALIFORNIA BUSINESS BU XXXX Opened : XX/XX/XXXX Balance Owed : {$660.00}
Product: Payday loan, title loan, personal loan, or advance loan

I came to the titlemax and agreed to a loan for {$3500.00}. The staff person did not explain to me the correct information about the finance charges. Everything was quickly scrolled through by the worker on a computer screen and my interest rates were not suppose to be so high. He tells me the money will be in my bank account but he put {$5200.00} in and to bring back {$1700.00} the following day. None of that made sense to me. I brought back the {$1700.00} the following day and didnt receive any paper work.! I came back to the store but the employee no longer worked there so another staff gave me a copy of my contract. When I looked over it, I was immediately furious because these are not the terms I agreed to. It looks like I role out a loan for {$5200.00} and made a payment to refinance for {$3500.00}. That is NOT true. My loan has been falsified. I did not agree to this loan.
Product: Mortgage

I am looking for loan forbearance under the covid-19 assistance from SunTrust bank. I have spent over 36 hours on hold only to be cut off. I try to fill out the form on their website and it does not recognize my loan number. I can not find a means to email them. There is nothing on their website to email them. I can not find an email for their corporate offices. None of the phone numbers I have called are answering or giving an option for a call back. I am a customer of SunTrust and have no way to talk to a live person to discuss my issue nor to communicate electronically. I am completely shut out.
Product: Debt collection

Please note that this case has been litigated in Court and moved to arbitration via XXXX ( XXXX XXXX. XXXX ). On or about XX/XX/year> I sent to Respondent the uploaded document marked as Exhibit 4 " AFFIDAVIT OF TRUTH / PROF OF CLAIM NON-NEGOTIABLE via their attorney, which was deliver on XX/XX/year> via XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX whereas XXXX requested documentation ( s ) ( See uploaded Affidavit ) to which was never received by XXXX To date MIDLAND CREDIT MANAGEMENT has failed to send XXXX said request documents as required by law and have defaulted on said request. Also to date, Respondent is still sending said negative reports and remarks to all credit reporting agencies despite their default in clear violation of XXXX 's due process rights.
Product: Mortgage

On XX/XX/2018, I filed my initial complaint with the CFPB against Residential Home Funding for loan servicing issues. ( Initial complaint XXXX ) Residential responded to this complaint by way of the attached correspondence of or about XX/XX/2018 indicating a refund was issued in efforts to resolve the matter. 

This was not the case. A refund was never submitted or issues on behalf of this matter by Residential as indicated. In addition, the information contained in the notice indicated a error in the mailing and property address of the correspondence. 

This creates a more issues with our pursuit of a truthful resolution.
Product: Mortgage

In XXXX of XXXX I lost my husband to XXXX XXXX XXXX. I was very overwhelmed not only by losing my husband but also by switching his military retirement and social security income over to me as a surviving spouse. I utilized the forbearance plan to try to get everything together and have a break from mortgage payments. I was informed that my forbearance was ending and I called Amerihome to explain my situation. I was told that due to the passing of my husband a form would be sent to the VA requesting an extension on my forbearance. I was also told that an extension would be 3 months. I went back to getting everything settled. I then asked for a partial claim from my lender and was told I was denied because it had been too long since my forbearance ended. I then spoke to a foreclosure attorney who agreed to help me. On XX/XX/XXXX they sent a letter to my lender and never received a response. Phone calls were made to my lender requesting a response on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The refused to answer the letter. At this point, we are sending in the letter requesting research that was sent to my lender. They have not responded.
Product: Debt collection

I received a phone call to collect on a debt and the agent quote an address that I have not lived at in 7 years, the call got disconnected. I am trying to purchase a home and when my credit report was pulled there is a {$850.00} collection account. I called the agency to see what this collection was for and it was the same people that tired to contact me previously. The agent told me that they are going to report this debit every week on XXXX to continue to decrease my credit score until I pay it or if I pay the {$850.00} they will wipe the debit off of my credit report like it was never there. The collection agency is calling me all day everyday.