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

I am filling a complaint against Cashapp ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protect 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 and 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 caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Vehicle loan or lease

My car was totaled in an accident XXXX XXXX, 2017. My insurance company sent Compass Bank a payoff amount greater than the loan payoff. The XX/XX/XXXX payment was not yet due and the payoff amount was accepted prior to XX/XX/XXXX payment being due and payable. I made all payments through XXXX 2017.  Compass mailed me a check for {$220.00} which is the difference between the payoff amount and the overpayment by the insurance company. However, Compass Bank still needs to reverse the XX/XX/XXXX payment or mail me a check for that payment. Compass in their schedule of payments received shows XX/XX/XXXX payment to be reversed, but the reversal was never made to my bank account. I have sent several e-mails to the total loss department without any response. I have tried calling the total loss department numerous times but can never get a hold of anyone. I am feeling totally taken advantage of here.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, CAINE & WEINER COMPA add a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CAINE & WEINER COMPA has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against EXPERIAN regarding inaccuracies in my personal information as reported in my credit report. 
Details of the Dispute : 1. Name : My current legal name is XXXX XXXX but it is listed incorrectly on my credit report as XXXX XXXX XXXX XXXX XXXX  I request that my name be updated to reflect the correctinformation. 

XXXX. Address : My current residential address is XXXX XXXX XXXX. XXXX XXXX. XXXX, FL XXXX but my credit report shows an outdated address as XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XX/XX/XXXX, XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Florida XXXX XX/XX/XXXX, XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX, Florida XXXX XX/XX/XXXX. I request that my current address be updated accordingly. 

XXXX. Employer : My current employer is XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX ) XXXX, XXXX ) DXXXX XXXX XXXX. I request that employer be updated to reflect the correct information. 

4. Date of Birthday : My DOB is XX/XX/XXXX, but it is listed incorrectly on my credit report as XXXX. I request that employer be updated to reflect the correct information. 


I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : Acopy of my driver 's license or passport displaying my correct name. 
Arecent utility bill or bank statement showing my current address and current Employer. 

Additionally, please provide me with a written confirmation once the updates have been made, and send me an updated copy of my credit report reflecting the changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft so I reached out to the 3 main credit bureaus XXXX, XXXX, and Transunion to have them to delete the fraudulent accounts and they have refused to due so. I have even provided them with a identity theft report in support. The account is listed below : XXXX XXXX XXXX in the amount of {$5800.00} on the date of XX/XX/2018 it was opened. 

I ask that you remove this account from my credit report. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

ONCE AGAIN THIS COMPANY HAS VIOLATED MY RIGHTS I HAVE SENT THEM THIS COMPLAINT MULTIPLE TIMES AND AT THIS POINT ITS HURTING MY CHANCE OF PURCHASING A HOME. THEY ARE IMPROPERLY REPORTING ITEMS ON MY CREDIT REPORT THESE ITEMS NEED TO BE DELETED ASAP. I AM A NATURAL PERSON, I AM A LIVING HUMAN BEING, I HAVE RIGHTS UNDER 15 USC 1681. XXXX IS A GOVERN BY 15 USC 1681. AND THEY HAVE VIOLATED MY RIGHTS NUMEROUS TIMES. I DEMAND THE FOLLOWING ACCOUNTS LISTED BELOW DELETED BECAUSE ACCORDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE TRANSUNION WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS. - XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXXXXXX - XXXX. XXXX. - XXXX  XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have multiple mortgages for investment properties and all the lenders require active response to remove my name and personal info from being shared with 3rd party affiliates. In most cases I'm required to fill out a form and sign and send back to request my info to NOT be shared. This is devious as they make it difficult and time consuming process to protect our privacy.
Product: Credit reporting or other personal consumer reports

Citi Credit Card : I sent the FTC report and the pin that they told me to send back I haven't heard from them, and it has been over 30 days.
Product: Debt collection

On XX/XX/2022, I switched my cell phone service from XXXX to XXXX. There were numerous issues with the service, including lack of cell phone service for two of the individuals on my account, and sporadic service for myself. I was in frequent contact with XX/XX/XXXXXX/XX/XXXX and they issued some credits for the problems I was experiencing. On XX/XX/2022, I switched back to XXXX. I received a final bill from XXXX XXXX which included charges for the entire month of XXXX. Additionally, I was charge {$120.00} for mobile internet service, which I did not order and which I never had. I was charged {$60.00} for tablet service, when it should have been {$10.00}. On XX/XX/2022 I contacted XXXX customer service and they promised a credit of {$230.00} to my bill. The credit was for the {$180.00} in erroneous charges and additionally, all service charges, so that I should have a XXXX balance. I never received that credit. XXXX billed my credit card. On XX/XX/XXXX I called XXXX twice. Both times, after explaining the issue, I was placed on hold for over and hour and then was disconnected. I contacted my credit card company and disputed the charge. On XX/XX/2022, XXXX sent a revised bill for the full amount ( {$230.00} ) PLUS they charged me {$30.00} for disputing the charge. On XX/XX/2022, I contacted XXXX again. This time the agent told me he would need to get a response from the previous customer service agent. From my conversation with him, I perceived there were no notes in my file as to the previous conversations. The agent promised to text me his first name and employee ID, which he never did. He promised to call back with a resolution, but he never did. I have taken every step that I can take to try and get this resolved. XXXX 's customer service number seems to be outsourced to another country and they consistently drop the calls. XXXX turned me over for collection, even though I have repeatedly tried to resolve this with them. I have even written to their corporate office but have not received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer in pursuant to 15 USC1692A3 XXXX, XXXX, and is in violation of 15 USC805 Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer nor any 3rd party in connection with collection of any debt I never received notice from XXXX XXXX nor transunion  nor consent to furnish my data I did not receive a notice from them giving me 30days to dispute any debt in pursuant to 15 USC 1692e 807 A debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt the following conduct is a violation of credit bureaus reporting without my consent created an profile in my name reported my name address and address with a false amount and no contract. They stole my identity this is a { {$1000.00} } violation. In pursuant to Title 31 U.S.C.  Sec. 3123 ALL DEBTS ARE UNITED STATES OBLIGATIONS! XXXX XXXX XXXX {$18000.00} IS IN VIOLATION of federal law in attempt to collect a debt they are also violation of The false Claims Act ( FCA ), 31 USC 3729-3733
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX RE : Inaccurate Credit Reporting ( 15 USC 168152 ) To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. 

The following account XXXX  ACCOUNT NUMBER : XXXX is reporting a balance of {$8700.00} when it is my understanding an reason to believe that because this DEBT WAS CHARGE OFF by you that is was memorialized with a Form 1099C as proof or evidence thereof. And that because of that fact. this debt is cancelled and at least should not reflect the balance that is currently showing of {$8700.00} This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors. 

Please provide me with the return of the time and form as prescribed by regulation or the Secretary of my name, my address, my SSN, the date, and amount of the discharged/charged off debt and any other information as prescribed by the Secretary.

If not, then I would demand that the account be removed from my credit report completely to avoid any legal recourse or action on behalf if myself by retained counsel.

Thank you for your time and consideration in this matter. I look forward to hearing a favorable reply. 

Please forward any correspondence or changes to my credit report to the address listed above. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is fraudulently reporting my account as a collection charge off to the credit bureaus. I have asked for proof from both the credit reporting bureaus and the furnisher of the reported information. Not only have my request been met with zero proof, the time frame far exceeded the FTC investigation times. I have asked that this item be removed from my report as it is not verified nor, factual. Nothing has been done regarding this matter ( disputed 6 months ago )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Pa XXXX XXXX XXXX XXXX **Consumer Financial Protection BureauXXXX XXXX XXXX XXXX XXXX XXXXXXXX, IA XXXX **Subject XXXX Complaint Against XXXX, Trans union XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX XXXX XXXX XXXX. XXXX XXXX : ** - Company Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX TransUnion XXXX XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX XXXX. **Nature of Complaint : ** I am filing a complaint against Trans Union XXXX and XXXX Company for violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, which mandates that consumers have the right to dispute inaccurate or incomplete information on their credit reports. 

XXXX. **Description of the Issue : ** I have identified an account on my credit report XXXX XXXX that I believe to be inaccurate. XXXX Trans Union and XXXX is reporting this inaccurate information and failed to send verification. I believe this to be inaccurate information on this credit card reporting {$1300.00} opened on XXXX also stating this account is open. 
I have disputed this information directly with the credit bureaus, XXXX, XXXX, TransUnion XXXX but the inaccuracies remain unresolved. I sent letters through the mail which will be provided. 
- Under 15 U.S. Code 1681i, I have the right to have inaccurate information corrected or removed, and the failure of the three bureaus to address this dispute properly is in violation of my rights. 

XXXX. **Desired Resolution : ** - I request that the CFPB investigate this matter and take appropriate action against Trans Union XXXX and XXXX Company for failing to comply with the FCRA. 
- I also request that the inaccurate information be corrected or removed from my credit report. 

XXXX. **Attachments : ** Will be attached to this complaint Thank you for your attention to this matter. I look forward to your prompt action regarding my complaint. 

Sincerely, XXXX XXXX
Product: Debt collection

Paid off a mortgage debt via settlement as paid in full. Another debt collector is trying to collect on that same debt.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account has resulted in several appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent account. I do not recognize the aforementioned account, as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account is the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian with proof that XXXX was reporting incorrect information. One account with affirm satisfied, but they are reporting that I still owe and my second account I owe $ XXXXsatisfied, but XXXX said I owe {$230.00}. XXXX XXXX reported that I missed XXXX payment but they wont updated that I paid, XXXX XXXX report the wrong amount they refuses to fixed. As a customer we count on these agencies to report the truth if they are not going to do it they should not have assess to our information.
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation XXXX Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've submitted the proper documentation to Experian, XXXX  and XXXX   showing that I've been the victim of identity theft. Nothing has been fixed or removed from my credit. This is impacting my score and personal life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a Wayfair Mastercard account near the end of XXXX and used it to buy a couch. I paid it off almost immediately and completely forgot about the card, until I received an email in early XXXX saying I owed hundreds of dollars in late fees and interest because of an obviously fraudulent charge ( it literally took a 3 second XXXX search to see that I'm not the only one to experience this particular fraud ). 

After letting the company know of the fraudulent charge and letting them know I was not going to pay anything under any circumstances, they called me almost daily until I blocked their number. I repeatedly informed them I would not be calling them, as I did not have time to waste solving a problem that wasn't mine because they couldn't type something into XXXX. They reversed the fraudulent charge but kept all the late fees and interest for some inscrutable reason and ended up closing my account after some time. I requested they correct my credit report, which they have still failed to do.
Product: Credit card or prepaid card

I purchased a XXXX  debit card from XXXX. I tried to make a purchase for the amount on the gift card and it continued to decline. I called the company 3 times and they were not helpful or supportive. They tried to tell me the merchant I was paying through was saving my information. Each time I called the merchant they stated they were not saving the information. During the third phone call, I called the merchant at the same time I was talking to them to ask the merchant and XXXX to communicate. The merchant continued to say they were not saving my information and XXXX  continued to say they were. There was no resolution and I spoke with XXXX  for over an hour on the phone, with them finally agreeing to send another gift card in the mail, which will take 7-10 business days. My concern is that I will have the same problem when I receive my new card.
Product: Debt collection

I opened a request for mortgage forbearance in XX/XX/2020. I submitted multiple forms and documentation that they requested to substantiate my hardship due to COVID-19. I had to submit these forms multiple times. No one responds by email and when someone contacts me by phone, I'm told I have submitted everything needed ; however, I received a collection letter in XXXX and a collection phone call in XXXX. 

My mortgage is backed by XXXX My understanding is that due to CARES I only need to state I have a hardship for my mortgage loan to be placed into forbearance. The requirement for documents has been a burden and the attempts to collect when the servicer knows I am in the process of requesting forbearance have a hardship has been confusing and stressful.
Product: Mortgage

I applied to refinance our primary residence. I have been a full time employee by my school district over the last 14 years. I took off 3 years for a maternity leave from XX/XX/XXXX until XX/XX/XXXX. After starting again in XXXX of XXXX, I took off one semester of unpaid leave because my school district would not allow me to continue to work remotely. As I have a young son who we did not want to expose to Covid in a daycare setting. I was just denied due to " Frequent job changes or unemployment gap. No history of stated income. Income history insufficient in my employment history. '' I have been with the same employer for 14 years and yes, after I had a baby I took off for a maternity leave and then one semester for an unpaid leave during Covid to protect my son and family. I find this practice to be discriminatory! My home lending advisor is XXXX XXXX XXXX.
Product: Checking or savings account

On XX/XX/XXXX we noticed that my husbands card was being used out of state. We called PNC to lock the card and send a new one. I also requested a new one. 

On XX/XX/XXXX I attempted to use my card for a personal separate account at an ATM. My pin is no longer working. I tired to call PNC for assistance and they told me they could not help. However, this very same pin works just fine in accessing mobile banking and the automated system. 

Somehow, they have deactivated my cards and I no longer have access to our joint checking, or my personal checking account. 

As if XX/XX/XXXX my husbands card has not arrived, but mine has. However, I can not activate it and my personal checking account card is also not functional and on mobile banking they no longer show as valid. 

I am unable to go to a branch due to health issues and work hours, and I am locked out of my account with no way to pay bills or eat. We are forced to use a credit card to get by. PNC offers no assistance on the website, app, or over the phone. 

This needs to be fixed immediately. A new card needs to be sent overnight to my husband and PNC needs to send me new cards with the correct pin assigned overnight and help me regain access to my accounts. 

It has been over a week. We have waited long enough and tried to do things their way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted TransUnion XX/XX/22 about inaccurate and incomplete information on my credit report. I have asked for verification and proof that the accounts I have asked to be removed but they have refused to send me any of which I have asked.