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 ( XXXX ). 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 XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

This account should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protecter consumer. NO CONSENT IS IDENTITY THEFT. 
As a consumer I am demanding the deletion Of these inquiries listed IMMEDIATELY! 
Your firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. 
Failed to use reasonable care in the course of business and failed to use even minimalprocedures to ensure that I was not harmed. 


SOUTHWEST RECOVERY
Product: Credit card

On XX/XX/year> XXXX XXXX XXXX issued a credit # XXXX of {$100.00} to Wells Fargo . Wells Fargo disputes credit being issued.
Product: Credit reporting or other personal consumer reports

I have spent hours upon hours on the phone with XX/XX/XXXXand the credit reporting Bureau 's. I will try to break down each point of discrepancy below : Issue 1 : The first date of delinquency on documents sent to me by XX/XX/XXXX was on XX/XX/XXXX. That is over 7 years, and most reporting agencies would have removed this from my credit.XX/XX/XXXXnever reported this date, and when I dispute their reporting, they add worse items onto my credit, even after they previously reported them as correct. Both of which should violate the FCRA. 

Issue XXXX : My original line of credit ( XXXX ), which was opened in XXXX of XXXX, was never late, would take money out of my checking automatically to avoid any late payments, and was suddenly closed byXX/XX/XXXX. A new account was then opened without my knowledge. I do not think the setup was the same, XX/XX/XXXX can not confirm if any changes were made, and I also requested proof of where I signed anything to start the " new '' line of credit account, and have received nothing. If they can not prove this was an error on their end, I believe this is another reason they should remove my account from all credit reporting. 

Issue XXXX : Their employees on the phone are unable to see most of what I am disputing. They also have told me conflicting information from what the credit reporting agencies tell me. They say the fall off date is the date on which the account was closed ( which they have changed several times with the credit bureaus ), which the bureaus state that the fall off date would be from the date of first delinquency ( which was over 7 years ago showing as XX/XX/XXXX ). As of now, I still have all of my accounts with XX/XX/XXXX. They send me pre-approved offers for credit cards and the same line of credit, but they belittle me when I try to ask for information/documentation, etc. on the phone. I need someone to verify what they are doing is indeed in line with FCRA policies, and intervene if they can not answer the points I have outlined above. Also, this account is paid in full, I owe them no money, they just tell me to " go to your local branch '' and obtain documents that they themselves can not see. If that is the case, how is this information being verified?
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me i have no knowledge of them, be advised by law i have the right to PRIVACY and you the credit reporting agencies have violated it.the list of accused collections accounts and dates FOLLOW AS XXXX XXXX XXXX XXXX Opened XX/XX/2022 for {$930.00}, XXXX XXXX XXXX XX/XX/2022 for $ XXXX LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit.

personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting or other personal consumer reports

These items are listed XXXX credit report in which is affectingly score. This affects my daily life. These items are a result of fraud from the data information breach leak. These shall be removed from my credit. 

LATE PAYMENTS XXXXXXXX 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 XXXXXXXX
Product: Consumer Loan

I called Avant credit today, XXXX/XXXX/15 and was told to speak with debt management. I was transferred to them and the woman hung up on me and did not follow up. 

I am concerned about this company.
Product: Debt collection

This company calls every hour ob the hour switching between 3 different phone numbers. If I don't answer one # they hang up, and call right back with different number and if that does not work they call private. Calls are starting at XXXX everyday including Sunday. This is unacceptable and I've asked them to stop harassing me.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint against Equifan for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite providing the necessary documentation to prove the inaccuracies, Equifax has not fulfilled its legal obligations under the FCRA, including ensuring maximum possible accuracy of my credit report ( 15 U.S.C. 1681e ( b ) ) and conducting a proper reinvestigation to remove the errors within the required XXXX period ( 15 U.S.C. 1681i ( a ) ).
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2020 I sent Transunion a letter requesting info and validation on an account that suddenly appeared on my credit file in XX/XX/2020 without my knowledge. Transunion failed to respond. On XX/XX/2020, I sent another letter to Transunion requesting validation procedures and also several factual dispute reasons as to why this account is inaccurate. Transunion ignored this request and failed to respond at all for the second time. On XX/XX/2020, I sent a 3rd letter to Transunion requesting proof of validity and accuracy for this account, and they responded with only " verified as accurate '' while completely ignoring the factual dispute reasons I had listed in my letter on XX/XX/2020 that was also a violation of my consumer rights under the FCRA.
Product: Debt collection

Was unable to make payments on a loan I took out with Check-N-Go, due to illness. The account was sent to XXXX and they contacted me regarding the debt. I was able to set up good faith payments of {$50.00} per month while I attempted to come up with the money to pay off the account. I was late on my XXXX payment and offered to pay it on XXXX/XXXX/XXXX. The person who had worked with me previously advised that her manager was taking over the account. His name is XXXX XXXX - XXXX x XXXX. I explained my situation and requested we continue the {$50.00} per month payments until I could catch up with my other bills. I advised that I would need until the end of the year. XXXX XXXX was extremely rude, accused me of not wanting to pay my debts, made false statements regarding the value of my home, and accused me of declaring bankruptcy in XXXX, none of which is true. He has threatened to have me sued. I requested multiple times to have him work with me but he declined. His tactics were extremely antagonizing, derogatory, and unprofessional.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed info with credit agency to please remove the incorrect/outdated in information & it was never done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2021 I have sent numerous letters informing the credit bureaus that upon my investigation of my credit reports they were in violation of several FCRA codes, 15 USC sec.1681 ( a ) 1 by reporting inaccurate information which is unfair to me as an consumer they are also in violation of 15 USC sec . 1681 ( a ) 4 in which they are violating my consumer rights to privacy. I have not given any credit bureau Equifax, XXXX  or XXXX  the written authorization to furnish a consumer report which a violation of the FCRA 15 USC sec. 1681 ( b ) 2. these violations are unacceptable and all accounts listed are to be deleted immediately. 
thank you for your immediate response
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander consumer is reporting an erroneous debt on my credit file that I do not owe. I have been disputing this account with the bureaus and they keep verifying this. I paid this account over a year ago!!! I do not owe you anything but you insist to continue to report a balance on my credit file. This is inaccurate and it must be removed immediately. I will have you know that reporting erroneous debt on my credit file can constitute fraud under both federal and state laws. I am tired of disputing this with you, the next correspondence for this account will be an attorney. 
This account is paid in full and I ask that you report correspondingly.
Product: Student loan

I have made payments of {$1000.00} per month since 2010, while working for qualified employers. I have made PREPAYMENTS on my loans, and my payments were {$100.00} more than what I was required to pay. Fedloan Servicing alleges that 139 payments made in 11 years were ineligible without providing me any specific information as to how my payments were ineligible. I have asked for the dates of my payments, the amount of payment they allege I was supposed to pay, what payment plan they allege I was supposed to be on, and how they credit or did not credit my account. My loans should have been forgiven last year under the PSLF program or the TEPSLF program. My payments were made ahead of time and above the amount required. I want a DETAILED response explaining why they have not credited my 139 payments ( only 120 are needed )
Product: Mortgage

I have held accounts for over 20 years at both Chase Bank and XXXX XXXX XXXX Bank ( hereinafter " XXXX '' ). I am a well established, reliable customer of each with no problems in my history. 
On XX/XX/2019, I made a principal payment to my Chase mortgage in the amount of {$40000.00}. My check was drawn on my XXXX checking account, where sufficient funds were on deposit and fully available. Chase applied payment to my mortgage balance and it appeared the transaction was complete and clear. 
However, on XX/XX/2019 XXXX notified me that my check had been returned to Chase unpaid. On XX/XX/2019, Chase notified me the same, and reversed the amount credited to my mortgage account. 
I called XXXX first to ask the reason for the check being returned. After some research, XXXX advised me that the check was returned becauseChase did not endorse it on the back. Through XXXXwebsite I looked at the check image and saw that XXXX was correct : it had not been endorsed by Chase. 
I then called Chase to inquire. The initial representative could not answer my questions, so she passed me to XXXX in the Escalation Unit. It took a long time for XXXX to get back with me, possibly because of holiday season time off. On XX/XX/XXXX, I was finally able to get an answer from one of XXXX 's colleagues, XXXX. XXXX informed me of three things:1. My physical check was destroyed shortly after it was imaged at the bank, so it could not be presented again for payment.2. I would need to present another check to a Chase branch location, or find another way to make payment.3. Chase would not credit my payment as of XX/XX/XXXX, nor would they credit the interest charged on my mortgage for the past month. In other words, I would suffer financial loss for Chase 's mistake. 
Following that conversation, I drove to a local Chase branch to attempt another payment of the {$40000.00}. I asked the teller to make sure this check was endorsed before scanning it. The teller said her training was to NOT endorse checks such as mine, so she could not do so. Knowing that if I were to deposit another check, it would suffer the same treatment, I took my check back and went home. 
My Chase mortgage carries an interest rate of 5 %, so as of XX/XX/XXXX Chase has wrongly charged me approximately {$160.00} in interest. Interest wrongly charged continues to increase each day by approximately {$5.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

LVNV is reporting inaccurate, false information which is a clear violation of the FCRA and violates my rights which the DATE OF LAST ACTIVITY IS BEING REPORTED, just disputing an account shouldn't not re-set the date of last activity this is considered an administrative event it can only be reset by making a payment for which I've never did it's shows on my credit report as XXXX please delete immediately
Product: Checking or savings account

A guy named XXXX XXXX asked {$10.00} from me for gas, but never came to pick me. Then he keep asking for more money, I realized this is a scam. I contacted Venmo immediately for help. But Venmo didn't help but asked me to contact XXXX XXXX to solve the problem.
Product: Debt collection

Hello, On XX/XX/XXXX i sent an email over to the property manager, stating i will be moving out. My lease was fully signed for the new complex. Due to the pandemic the leasing office was closed. I was instructed to send an email to the main office, and they will attach it to my account. Nothing was ever done and about 4 months later i received an invoice saying i owe a balance that i didn't owe. I need to speak to whom ever to help me get this off my credit. I have exhausted all my resources and this is unfair and blocking me from moving again. someone please help me please
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently disputed this account. It was removed and placed back under my Credit. I asked for documentation showing I signed signatures in that name on any documents. No documents or signatures provided signed by me. I am not the account holder nor is it my name. I believe its stolen identity. This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX a due date change was conducted with Toyota Financial Services for my monthly car payments for my XXXX XXXX XXXX. It was changed from the XXXX of every month to the XXXX of every month. My monthly payments are {$450.00}. I have never been late on any of these payments and my contract gives me a 15 day grace period where no late fees or interest charges will be held against me. I sometimes pay the full amount on the XXXX or XXXX day, or I 'll split the payment in half and pay half on the XXXX and half on the XXXX or whatever date lands on 15 days. Ever since my due date change I started getting calls from Toyota Financial Services about being late or my payments not being received. Each time I would stay on the phone for an hour ( being bounced around ) explaining what my contract says and how my due date was changed. Each time this information was always confirmed and the call was always ended with an apology. I get these same phone calls at least twice a month. I then checked my credit report and saw that Toyota Financial Services reported a 30 day late marker to my credit report for the month of XXXX and XXXX. This greatly affected my credit score. When I called and asked them about it they admitted that they never updated my due date change in their system, which caused every payment to show up late. They once again apologized and said they would send a letter to all 3 credit bureaus on their behalf. The late marker for XXXX and XXXX was removed, but then I received ANOTHER 30 day late marker on my report for XXXXI called them on XXXX XXXX, XXXX to get this resolved and was once again bounced around on the phone for over a hour, just to hear a manager tell me " I honestly ca n't give you an answer as to why this is happening. '' This whole experience has been dreadful. Credit is everything and a company should n't have the right to keep reporting false negative marks. Especially when they ca n't even give you a reason why.
Product: Vehicle loan or lease

when i first started financing the vehicle on XX/XX/2017 it was financed through santander consumer USA which my interest rat was 22 percent but i got a call from young blood XXXX where i bought the car they said the loan was sold to XXXX XXXX with a lower interest rate but when i looked at the paperwork it was 4 percent higher making it 26 percent making my payment almost nearly impossible to make on a loan that was XXXX XXXX dollars changing the total repayment after 72 months to XXXX XXXX instead of the XXXX XXXX i had initially signed for and I know they are the same business so i call and ask why they would not give me a straight answer then the car broke down and i had extended warranties and gap insurance also mechanical breakdown purchased from the loan company they denied to fix the car. i told them i would continue making payments it would just be about a month before i can get it fixed because it was almost XXXX bucks to fix a week went by and the dealership called XXXX XXXX  and told them to come reposes the car because i had abandoned it witch i had not i was in there every other day to check on it. all in all i believe this is violation of the truth in lending act and very wrong of them to trick me like this.
Product: Credit reporting or other personal consumer reports

I have previously disputed XXXX XXXX XXXX XXXX  CASE NUMBER : XXXX Bankruptcy Dates XX/XX/year>, XX/XX/year>, and XX/XX/year> with all credit reporting agencies. in response they verified the item as accurate, stating they verified the information with the courts. I contacted the courts and their response is attached it's clear the courts do not report to any credit reporting agencies ; therefore, their initial response verifying the item with the court was an error or fraudulent. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681 ), and the information must be deleted Immediately. 

I'm attaching an affidavit and photo identification as proof of identity to expedite the process. 

Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX {$550.00} XX/XX/2022 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 account without my written Instructions.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX XXXX XXXX XXXX  ) was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on Autopay. 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 my 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 in ( MONTHS REPORTING LATE ) 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 XXXX XXXX XXXX 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