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 an address of fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and disrespect of as they did not comply with their error resolution from requirements under the electronic fraud transfer act ( EFTA ) and Regulations E.These actions have caused significant inconvenience and financial loss and I see appropriate redress for these violations.
Product: Checking or savings account

Dear CFPB My name is XXXX XXXX. Address XXXX XXXX XXXX, XXXX, MI, XXXX. I am writing to formally complain about the prolonged suspension of my Square account and the inability to withdraw my funds. My account has been suspended for over XXXX months, which has caused significant financial hardship and inconvenience.Extended account suspension without clear explanation.I have made multiple attempts to resolve this issue through your customer support channels, but have not received a satisfactory response or resolution. This situation is unacceptable, as it effectively amounts to Square withholding my rightful funds without due cause. Thank you!!
Product: Credit card

I do not know who these people are that ran a hard copy of my report? Please remove. SYNCB/XXXX. Says XXXX XXXXXXXX 
Have no idea Thank you
Product: Debt collection

I, XXXX XXXX, am submitting this complaint for myself for there is not any third party involved. I have sent Equifax an identity theft report and an affidavit, stating that information on my consumer report was unauthorized, unverifiable, and inaccurate. I have requested for them to block and remove the information. They have received this documentation 5 business days ago. I have gave neither Equifax or any of these creditors permission to report on my behalf. Equifax has stated that they will undergo an investigation, yet they are still reporting adverse information on my consumer report. I would like the details of how they will undergo an investigation, along with the name, phone number, and address of the person they are interviewing so that I may follow up.
Product: Mortgage

I started my mortgage loan application in XX/XX/2021. It is now the end of XX/XX/2021 and I still have not closed. The underwriter is discriminating against me. I have a XXXX credit score, {$30000.00} cash in the bank, Approved Appraisal, Approved DTI, approved title and now after submitting final conditions, the underwriter has again heaped upon me new " catch 22 '' conditions that have nothing to do with the loan. The underwriter demanded that I have 6 months of reserves in my bank account which is NOT a VA loan guideline. I complied and now the underwriter has come back with ridiculous requests that are NOT VA loan requirements. The loan is only {$140000.00}. This is criminal and bigoted to treat people this way. Navy Federal has dragged this process out to approx. SIX MONTHS! Unsatisfactory. I am a XXXX Veteran who is qualified for this VA loan, and I am being denied from closing on it. I am now having to go to another lender after SIX MONTHS with Navy Federal Credit union stringing me along, discriminating against me and not closing my loan. I have been stressed out for half a year trying to close a simple {$140000.00} loan to no avail. Avoid Navy Federal Credit Union at all costs. I realize that nothing will change, but at least I can warn people of the corruption and bigotry at Navy Federal Credit Union. I will be closing all three of my bank accounts with this corrupt institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX the XXXX 2019 i was contacted by by someone to let me know that this person had got my childs social security number and used it for credit cards and other things as in hooking their power up etc ...
Product: Debt collection

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 Since I was covered by XXXX as well as a second insurance, I expected similar payment as XXXX from other suppliers. Since I received no bills from other suppliers, it was assumed that the payment would work through the system at a slower pace. 
A review of my credit report showed that that this bill remained unpaid and had been forwarded to the collection agency. In attempts to remove this item, the original company was contacted but the certified letter was refused. The collection agency was then asked for validation of the account with signatures, etc., and this request was ignored. They simply sent a new demand, and have recently begun phoning me with the usual spiel about using all information in pursuit of their money. 
A representative of the insurance company stated that the request for payment might have been incorrectly coded resulting in a pay request to the individual for {$1500.00}. It is now too late for any action by the insurance company
Product: Debt collection

On XX/XX/XXXX my husband and I entered into a WI 128 amortization of debts. On XX/XX/XXXX a court order was entered stating that all debts are paid in full and satisfied. The creditor is continuing to report unpaid balances to the credit bureau which I assume is attributed to poor record keeping or illegally continuing to charge interest as the 128 plan prevented any more interest from accruing. I have disputed this through the credit bureaus 3 times and the creditor refuses to remove balances owed from my credit report.
Product: Debt collection

Vance & Huffman llc keep sending me a billing statement when asked in writing for them to send me proof including a wet signature that I signed a contract with them and I owe them money as well as the original contract they can not produce. Since this collection agency can not produce original contract between me and this collection agency with my signature that I owe this collection agency money this collection account needs to be deleted from my credit reports immediately.
Product: Credit reporting or other personal consumer reports

Around end of XXXX to XX/XX/XXXX. Wife & I applied for a mortgage loan with XXXX. Almost instantly we started getting alerts from our credit cards, XXXX and XXXX that our information was available on the dark web. We instantly put a credit freeze on ourselves. Researching this through XXXX and XXXX XXXX I was informed that when they pull a credit reports, about 1 in 9 consumers, would start receiving numerous calls and credit offers from places they have never heard of. I was told the credit reporting agencies, in particular Equifax, would sell the consumers information to other financial services without the consent of the consumer. If this is correct, Id like to know who is responsible for stopping this? This needs to STOP!
Product: Mortgage

I have had my mortgage for around 3 years at this point. This is the 2nd time that my loan has been transferred to another servicing company ( 3 companies involved ). As of XX/XX/XXXX, my loan will be moved from Quicken Loans, ranked # 1 by various outlets for their mortgage services to a company called XXXX XXXX whom has terrible reviews and has not helped me get acquainted with their payment portals or processes. I currently have my loan serviced through Quicken Loans and was very pleased with their services. I do not want my loan transferred again to XXXX XXXX whom did not even answer my call when I called to hear details of this transfer. Every time my loan gets transferred to a new service provider I am forced to continually provide confidential information to multiple companies ( security concern ) and realign my finances and schedules. Having my loans reassigned so often is an injustice. This repeatedly happens for other loans as well. Please tell me there is a way to stop this as it is becoming beyond an inconvenience.
Product: Student loan

In XXXX, I co-signed a student loan for my daughter. Toward the end of XXXX, I made an additional payment of XXXX dollars to be paid directly to the principal balance of the account. When I called in to make this payment I requested this. The next month, I received a statement saying that no payment was due. When I called in about this ; I was informed that they considered the payment to be a pay head and that no payment would be due until the extra payment of XXXX was used up. I advised I didnt want that and needed it paid directly to the balance. So the specialist claim to apply it to the balance, so statements will show an amount due. However this is not happening. This company is still holding onto my payment and using it as a pay ahead payment and still charging interest, as if this payment was not made. I would like someone from this company to fix this, so that the payment is applied toward the balance and not considered payed ahead. I want statements That show an amount that is owed each month. I would like to point out that there is a huge difference between paid ahead and an extra payment toward the principal.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting. 
XXXX-Balance {$0.00} XXXX  XXXXBalance {$24.00} XXXX XXXXBalance {$0.00} DEPTEDXXXX-Balance {$2300.00} DEPTEDXXXX-XXXX****-Balance {$5300.00} XXXX XXXX-Balance {$0.00} DEPTEDXXXX-Balance {$4300.00} DEPTEDXXXX****-Balance {$10000.00} XXXX XXXX-Balance {$0.00} XXXXXXXX XXXX****-Balance {$0.00} XXXX-Balance {$18000.00} XXXX XXXX****-Balance {$0.00} XXXX XXXX  XXXXBalance {$0.00} XXXX XXXX XXXXBalance {$690.00}
Product: Credit reporting or other personal consumer reports

Equifax is not doing their job. I live in California. Please delete everything on this report not from California its not mine. Due to the data breach this is not good. 

15 U.S. Code 1681i is a law that requires consumer reporting agencies to investigate disputed information in a consumer 's file. The law ensures that consumer reporting agencies are fair and impartial in their handling of consumer information
Product: Student loan

Never once be able to make any payment because they payments are to high thend try to set up forbearance and never received all the paper work that I needed
Product: Debt collection

I have finally decided to take a stance against Portfolio Recovery. I have received harassing phone calls, threatening to put a lean against the home I live in for many years. I recently submitted my disputes with the credit bureaus and was told that my accounts have been verified and few days later I received documents in the mail from Portfolio Recovery informing me of debts that I owe along with various statements of accounts that show inaccurate information. The debts that Portfolio Recovery continues to harass me about are inaccurate debts. The statements that they provided show inaccurate amounts of debts that are not owed to Portfolio Recovery. My credit report shows dates that my accounts where placed in collection with Portfolio Recovery with various dates of XX/XX/XXXX through XX/XX/XXXX, not once was I notified via mail of any debts owed by this company during the times that they are reporting on my credit report. I 'm not sure when these debts where obtained, but those amounts they are claiming I owe reflect no payments that where made.
Product: Credit reporting, credit repair services, or other personal consumer reports

i XXXX XXXX XXXX XXXX have sent complaints to all three reporting agencies about debts that have refused to verify the  debts.  on XX/XX/XXXX a letter of discovery requesting proof of acknowledgement; copy of signature on agreement ,or  acknowledgement of debt document. also requedted was copy of 1 bill of deliquency of debt, and/or debt total ./ repeat letter was sent XX/XX/XXXX, and certified letter in XX/XX/XXXX . all requesting the same thing to these debtors;XXXX XXXX XXXX . XXXX XXXX XXXX XXXX XXXX XXXX. amt $XXXX org. creditor XXXX XXXX XXXX XXXX.  XXXX XXXX acct # XXXX#2   XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX. XXXX  amt $XXXX XXXX XXXX XXXX XXXX. XXXX XXXX acct# XXXX. equifax acct# XXXX
Product: Debt collection

Per FDCPA Section 809b a collection agency must validate a debt they claim I owe in which they have not. When I first swnt my complaint the company removed it the same day and lied in their response saying they don't know od anything and the next day they added the item back to my credit reports! I havw proof of where they remived the items just to lie in their response and now Im getting new alerts where they have added back the item to the reports. They again are violating my consumer rights and causing harm to my credit score by doing this. These people are breaking the law and they know they are. They should be fined to the highest extent!
Product: Credit reporting, credit repair services, or other personal consumer reports

Under FCRA & FDCPA, TransUnion refuses to remove and permanently delete XXXX from my credit report for not responding to my debt validation within 30 days. I have provided proof see attachments -- -- -- -- -- -- -- -- -- -- -- - On XX/XX/2018, XXXX received ( certified mail ) my debt validation request. I did not receive a response from XXXX until XX/XX/2018. 

Please Note : Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), creditors have 30 days to investigate disputes. And if creditors could not verify the information within 30 days time period, they MUST delete and remove all of the disputed accounts from the consumers credit reports. Failure to do so can result in a {$1000.00} fine per un-deleted item. 

This is damaging my credit rating.
Product: Credit reporting or other personal consumer reports

I am writing to address significant discrepancies I have identified on my credit report regarding the XXXX XXXX XXXX account. It is imperative that you promptly remove this entry from my records to ensure compliance with the Fair Credit Reporting Act ( FCRA ). 
Upon reviewing my credit reports from Experian, XXXX, and XXXX, I have noted several inconsistencies related to the XXXX XXXX XXXX account. According to the official XXXX XXXX XXXX obtained from XXXX XXXX, the balance on this account is {$0.00}, whereas you are reporting a balance of {$17000.00}. Additionally, I found disparities in the reported account open date ; you indicate XX/XX/XXXX, while XXXX report XX/XX/XXXX. Furthermore, you state the Date Last Active as XX/XX/XXXX, whereas XXXX shows XX/XX/XXXX and Experian XX/XX/XXXX. The Last Payment date you report is XX/XX/XXXX, whereas XXXX and Experian XX/XX/XXXX. I have highlighted these discrepancies in yellow in the document enclosed. 
Enclosed with this letter, please find a copy of the XXXX XXXX XXXX from XXXX XXXX and a copy of my credit report illustrating these discrepancies. 
MB FIN SVCS XXXX Experian XXXX Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Lease Lease XXXX XXXX XXXX XXXX XXXX XXXX Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$17000.00} {$17000.00} {$17000.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$30000.00} {$30000.00} {$30000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Repossession Repossession Repossession Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Repossession Merchandise was taken back by credit grantor/there may be a balance due. Involuntary Repossession Auto Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These inaccuracies are materially impacting my credit score and financial standing. Therefore, I insist on immediate action to completely expunge this account from my records. 
I request the following corrective measures : Complete removal of this account from my credit record. 
I expect your prompt attention to this matter and respectfully ask that you provide me with a complimentary copy of my updated credit reports once the account deletion is finalized. 
Thank you for your cooperation and swift resolution of this issue.
Product: Credit reporting or other personal consumer reports

Kept getting cards in mail and bills statements saying I had XXXX credit limit and for months someone was paying it I guess I have XXXX XXXX  issues and got put away in XXXX XXXX XXXX XXXX XXXX  I get out year and months later and check my XXXX XXXX and says I owe {$6000.00} for all these months of missing payments I called reported they been stealing my mail kept getting cards sent and that I had no knowledge of activity I live in a bad neighborhood were mail kept getting stolen by my neighbor now it got charged off and ruined my credit score let alone my life XXXX XXXXXXXX XXXX XXXX XXXX issues that hasn't worked in over a decade due to XXXX XXXX  issues
Product: Credit reporting or other personal consumer reports

Equifax admitted to a data breach an confirmed my information was in fact compromised in this breach. They have yet to provide compensation for the neglectful practices of their organization. They also have the audacity to request proof of hours spent dealing with this matter when there is no possible way to keep track of that as the breach happens a few years ago and we are just being notified as of recently. With that said the fraud found on my credit report could in fact be becof this breach but the bigger matter at hand is that my info was in fact confirmed to be breached which is a violation of the Privacy Act of XXXX, Gramm-Leach-Bliley Act, Federal Computer and Abuse Act just to name a few. Being this organization has my full name, date of birth, social security number, address, and my entire credit profile my identity in its entirety has been placed at stake. There have been several items on my credit report that reported negatively that I have since been able to remove that I believe were related to this breach. This has caused me and my family so much distress and humiliation along with XXXX because of denials due to items reporting negatively which were mind. Now I have undue stress because se random person has ALL MY INFORMATION. I have to constant worry about my identity being stolen and my information being used. There is no timeframe on this matter because my social security number will never change, my date of birth will never change, and as of now I have no intention on my address changing. This means this information can be used anytime now or in the future leaving me vulnerable to being a victim of ideas theft.
Product: Credit reporting or other personal consumer reports

I was a victim of ID Theft several years ago. and was just made aware of it. I have contacted the companies several times with no response. I am contacted Experian to delete these accounts from my credit report.
Product: Debt collection

This account is not mines the address where this account was opened I have never lived there
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am stating that XXXX, XXXX, Equifax are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX XXXX, Equifax may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, XXXX, Equifax any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, XXXX, Equifax credit report : XXXX XXXX XXXX XXXXXXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX XXXX XXXX XXXX Equifax permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, XXXX, Equifax are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, XXXX, Equifax wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, XXXX, Equifax consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
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 items 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, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX  XXXX XXXX Balance : {$500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$47000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$260.00} XXXX  XXXX Balance : {$340.00} XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX  XXXX Balance : {$590.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX : {$3500.00} XXXX XXXX XXXX Balance : {$520.00} XXXX XXXXXXXX XXXX Balance : {$500.00} XXXX XXXX Balance XXXX {$1000.00} XXXX XXXX  XXXX Balance : {$2500.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX : {$32000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$44000.00} XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX Balance : {$590.00} XXXX XXXX  XXXX Balance : {$9000.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX Balance : {$1900.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX