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 violates 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 for these violations.
Product: Debt collection

This company is unable to verify the debt I supposedly owe them. I have sent over two letters asking them to verify the debt and they were unable to do so. They were unresponsive to my original demands and did not send over documents proving that this debt is mine. A credit card statement is not verifiable because it can be compromised. I specifically asked for the original documents, my signature, and proof that this company is licensed to collect in my state.
Product: Money transfer, virtual currency, or money service

Next month I sent an amount of XXXX USD Fee XXXX USD Total Amount Charged {$1200.00} USD Net Recipient Amount R {$6000.00} XXXX Exchange Rate XXXX USD = XXXX BRL Through the App called Remitly , Inc . 

XXXX XXXX XXXX., XXXX XXXX, XXXX, WA, XXXX ( XXXX ) XXXX www.remitly.com And the money has never arrived, I already talked with my XXXX  bank and they said it has never got there and I also talked with remitly and they never answered me about a solution. 

More Informations : Recipient : XXXX XXXX XXXX XXXX XXXX Transfer No. : XXXX XXXX XXXX XXXX DELIVERED R {$6000.00} We have confirmed funds were deposited to your recipient 's XXXX XXXX account. Your transaction is complete and we hope to see you again. 

ARRIVAL TIME XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX  ) TRACK YOUR TRANSFER Your bank account Remitly Recipient 's bank Recipient 's account Success! Your deposit has been confirmed. 
XX/XX/XXXX, XXXX XXXX XXXX Share Remitly with your friends to earn rewards. 

RECEIPT Sender XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ( XXXX ) XXXX Payment Details Submitted XX/XX/2020 XXXX XXXX XXXX Reference No. XXXX XXXX XXXX XXXX Delivery Bank Deposit Bank XXXX XXXX Bank Account Account ending in XXXX Delivery Speed Economy Currency BRL Available XX/XX/2020 XXXX XXXX  XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. Acct. ending in XXXX Amount Sent XXXX USD Fee XXXX USD Total Amount Charged {$1200.00} USD Net Recipient Amount R {$6000.00} XXXX Exchange Rate XXXX USD = XXXX BRL Remitly may earn revenue from the conversion of USD to other currencies. 


Thank you,
Product: Mortgage

Received a Homestead Exemption and a XXXX Exemption back in XXXX 2016 form the XXXX County Tax Assessor 's Office, but Caliber Home Loans refuses to update my mortgage payment to reflect the decrease in my escrow account. I have called several times and was given conflicting information regarding the process. I was advised by a Caliber supervisor back in XXXX 2016 that the tax changes are automatically updated electronically ; however, today, XXXX XXXX, 2016 I was advised by a customer service rep that the homeowner is responsible for providing the updated paper work. The tax assessor 's office states that it is done automatically, but to the contrary the information has not been updated in my escrow account.
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 have a loan with XXXX XXXX XXXX XXXX. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all three ( 3 ) credit reporting agencies & they too are withholding any verifiable proof, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and XXXX 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 XXXX 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 XXXX and XXXX are 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. I believe their records are wrong & Id like this matter handled ASAP. Please update to paid as agreed/never late. 

XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I noticed some instances of late payments on an account tor which I have always maintained timely payments. consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative imagines information be reported with upmost accuracy. I have never missed a payment on my XXXX XXXX XXXX XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to Furnish proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and the recent XXXX data breach. Theres 3 credit card accounts on my XXXX and Experian credit report that are fraudulent, unauthorized, dont belong to me, and the result of the XXXX data breach. The following accounts are fraudulent and unauthorized : XXXX XXXX, {$13.00}, XXXX, XXXX XXXX, {$12000.00} and XXXX XXXX {$3.00}, these accounts are all fraudulent. I have contacted my 2 U.S. Senators from Arizona, XXXX XXXX XXXX XXXX XXXX in regards to the above accounts on my credit report. XXXX XXXX and XXXX promised me they would look into this matter and seek a resolution for my complaint and issue. I have sent numerous complaints to Experian and XXXX about the above accounts being fraudulent, unauthorized and on my credit report due fraud and the XXXX data breach as well.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, CA XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, American Express, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Subject : American Express XXXX cash Everyday Account Ending in XXXX - XXXX XXXX XXXX - Customer Service Experience Credit Limit Reallocation I requested to XXXX {$1000.00} Credit Line reallocation from XXXX XXXX Credit card account Ending in XXXX to American Express XXXX cash Everyday Account Ending in XXXX. My request denied due to Recently reduced credit line XXXX Cash Everyday Account Ending in XXXX ( Letter Attached dated on XXXX XXXX ) But my credit Line was restored based on payments. XXXX XXXX attached dated on XXXX XXXX XXXX Customer Service Experience I called XXXX XXXX XXXX PCT XXXX answered name called XXXX XXXX Balance Transfer Department ) treated me so unprofessional. Please review my call and verify how about customer service. I am customer since XXXX and he never treated me as a valued customer. I asked him to transfer my called to supervisor and his answer was we dont have a supervisor and he can not transfer to supervisor and dial XXXX. I dialed that number and requested transfer to supervisor .XXXX.XXXX ( Balance XXXX Department XXXX answered my call and he also not help me out my concern and he asked me to call Customer XXXX XXXX Department XXXX and request the REMOVE REDUCTION TAG on my account. XXXX XXXX also treated me very mean high tone. I dialed that number and I told what happened and they transferred me customer service department again. I have to explain each time when I dial your customer service department. I spend more than XXXX hour to talk some XXXX help me out for my reallocation request and no ones help me out. 
Why I have to called Customer responsible landing department to request remove Reduction tag on my account? 
Today I am so very disappointed way your bank treated me. Please make sure it wont happens future customer. 
If you want more information call me XXXX Thank you. 
XXXX XXXX
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 ( CFPB ). 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 wit error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redness for these violations.
Product: Payday loan, title loan, or personal loan

On XX/XX/2019 I applied for a payday loan. It was granted for the sum of {$800.00}. Before I accepted the loan, I asked what was their interest rate. To compare with a couple of others I had in mind. Representative, fed me the run around, by stating interest can not be seen until she set up payment schedule. I selected to payment plan of 5 months for safety net, assured I could pay back without harming my house hold. So rep stated it would be {$240.00} for every scheduled pay day I have selected. I'm thinking only 5! So I agree to the loan.Figuring est of maybe the interest was around {$300.00} bucks. To me that's reasonable. Was told my first payment was gon na be {$150.00}. The the rest would be the {$240.00}. My first payment was due on XX/XX/XXXX. My check I deposit was clear on the XXXX. I went on website logged in and made payment for {$150.00}. That's when I saw whole picture, which I submitted in the photos. {$150.00} was broker fee and lender interest. So I looked at my payments history my balanced still read {$800.00}. ( None of that towards my principle ) So no wondering why is the no decrease towards my principle, and I Immediately called the Power Finance Texas customer service. I stated sorry for paying a day late. I said I made payment, but I notice my principle is still the same how come? She said my loan was prorated, so that was the fee. Not told this before! I also asked why does my payment schedule show 13 payments due instead of 5? Rep stated that payments of {$240.00} would be due twice a month! That's when I realized this was no life line but nightmare! 8 extra payments is and was not the agreement I said to her. So I told her I calculated 13 x 's {$240.00} it came to {$3100.00}!!! On a {$800.00} loan!!!! I said I don't feel it's fair I got ta pay back almost triple what I borrowed. How {$800.00} get to {$3100.00}? She said the fees are added every day by {$16.00} and some cents per until day the loan is paid off in entirely. I said if you would have told me that at first I certainly wouldn't have agreed to taking a loan from you. I told her this was my first loan, and certainly the last. Because true stipulatIons was I felt withheld. Website stated lower amount per {$100.00}. Couldn't just take the highway robbery, so I came to report which to me feels like entrapment! I more worse off than when I started!!! HELP!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXXXXXX XXXX  credit card through XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX I received a letter dated XX/XX/ denying credit listing the reason : " Credit bureau reports applicant is deceased. '' The reporting credit agency Sagestream/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX First, I AM NOT DEAD! 

I tried emailing XXXXXXXX XXXX through their website and was unable to reach them. I found a phone number online, but they were not able to help. 
I called the Sagestream phone number. It is an automated system and after entering all my personal information ; the system notified me it could not verify my identity and hung up. 
I am not dead and do not want to start a problem that could cascade into my losing everything. I need to correct the mistake.
Product: Credit reporting or other personal consumer reports

RE : Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before i take legal action. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting TheCongressmakes the following findings : ( 4 ) There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy.

Failure to Comply or delete these items 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In generalAnypersonwho willfully fails to comply with any requirement imposed under this subchapter with respect to anyconsumeris liable to thatconsumerin an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by theconsumeras a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In generalAnypersonwho is negligent in failing to comply with any requirement imposed under this sub chapter with respect to anyconsumeris liable to thatconsumerin an amount equal to the sum of ( 1 ) any actual damages sustained by theconsumeras a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

Under 15 US Code 1681a ( 4 ) as a consumer I have right to privacy and this bankruptcy must be deleted from my consumer reportor i will seek monetary damages in small claims court in my city and state. Also i already sent this letter to theConsumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, andFederal Trade Commission. 
XXXX XXXX XXXXXXXX OFFICE OF THE ATTY GEN XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This company is in direct violation of 506B, 615 ( f ), and 623 ( a ) ( 6 ). On 03/14/2024 I sent transunion a id theft package to transunion regarding XXXX XXXX to which transunion did not follow FCRA during their investigation and block said information. not only did this company not block the said information in the time frame allowed but didnt block the said information at all.
Product: Debt collection

I sent a debt validation letter due Clark County Collection Services XXXX hss file a complaint with court. Instead provided medical records which is direct violation of HIPPA Regulations. I never signed a HIPPA Form authoritizing them to have access to my medical history or treatments. On XX/XX/2022, I was sent out a debt validation letter from Clark County Collection Services XXXX providing full disclosure of medical treatment and procedures. It is violation of my rights!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax which has collected mass amounts of personal information has been breached and this information was shared against my knowledge or consent. This breach is reported to have happened between mid-XXXX to XXXX of 2017 and was n't disclosed until XXXX XXXX 2017.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : FOR ROUND 1 Personal Information Also Known As : 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 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

I have disputed the following inquires many times and haven't got any proof of them belonging to me. 

XXXX with date XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 I contacted the furnishers and have received no documentation bearing my signature showing that I authorized any inquiry whatsoever. Furthermore, the furnisher failed to provide documented permissible purpose as detailed in the Fair Credit Reporting Act.
Product: Debt collection

I am a victim of identity theft, Please remove all accounts and inquiries that, I have mentioned in this report they do not belong to me, therefore, needs to be remove those account per FCRA 605 ( B ) U.S.C. 15 as prescribed by the FTC FCRA. 

MACYS/DSNB Account number XXXX Account status Closed Date opened XX/XX/ XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 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. 

Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I pulled My Equifax report and noticed that it isn't 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. 

XXXXXXXX XXXX XXXX Account number XXXX XXXX on Equifax XXXX XXXX XXXX XXXX has many inconsistencies. On your report the company name is XXXX XXXX and on XXXX its listed under XXXX XXXX, same open Date however your balance amount says {$5100.00}, amount past due {$14000.00} and the charge off amount is {$5000.00}. Those 3 amounts don't match also your account history states that my last payment was on XX/XX/XXXX however your account history states that I stopped paying on XX/XX/XXXX on XXXX there's a balance of {$14000.00} and it states that I stopped paying XX/XX/XXXX. This account is fraudulent and needs to be removed at once. 

2. Account name : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} written off. According to your records my last payment was on XX/XX/XXXX however the date of 1st delinquency was on XX/XX/XXXX XXXX yrs later, that makes no sense. 

Account name : XXXX XXXX XXXX, Account number : XXXX Date of 1st delinquency was on XX/XX/XXXX, when account was opened on XX/XX/XXXX & 1st delinquency was reported on XX/XX/XXXX. Dates don't coincide. 

XXXX XXXX XXXX opened on XX/XX/XXXX states last payment was on XX/XX/XXXX, 1st delinquency XX/XX/XXXX, 1st delinquency reported XX/XX/XXXX 3 yrs later {$4300.00} charged off. 

These accounts are inaccurate and hurting my credit, I need them removed A.S.A.P.
Product: Credit card or prepaid card

I XXXX XXXX entered into a consumer credit transaction with BANK OF AMERICA early XX/XX/2023, applying for the Bank Of America Customized Cash Rewards Visa Signature Card and was denied via an adverse action letter. 

Pursuant to 15 USC 1602 ( f ), credit is my right. I, XXXX XXXX, am the original creditor in the transaction, therefore I can not and may not be denied for my own credit. 15 USC 1602 ( g ).

I used my credit card to initiate this consumer credit transaction. 15 USC 1602 ( l ) and it is unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction. Pursuant to the Equal Credit Opportunity Act-15 USC 1691 ( a ) Bank Of America benefited from this transaction as they took that credit I extended to them, while I received no benefit. 15 USC 1602 ( p )
Product: Checking or savings account

On XX/XX/2024 credit karma money locked my spend account where my federal/state tax return was deposited with no explanation I have been calling and chatting and emailing and still no response other than wait for an email I'm going to be homeless with XXXX kids I have a total of XXXX dollars in this account I just want to transfer my money and get my kids a home