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

I am filing a complain against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud in 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 Regularion E. These action have caused significant inconvenience and financial loss, and I seem appropriate redress for these violations.
Product: Credit card or prepaid card

On XX/XX/XXXX. I noticed on my credit card statement a transaction made at a XXXX in Minnesota on XX/XX/XXXX. They cancelled my credit card immediately. They said that they would then look into the transaction and it turns out that there were 6 transactions made totally {$340.00}. I called them again later that week and nothing had been done. I called again the XX/XX/XXXX. I had not received my new credit card as of yet and nothing was credited to my account. I called again today. They said that they are putting it in as a non fraud case to XXXX because I do " business '' with XXXX. So because I have bought XXXX food in the past a few times over a few years I must have bought this food 6 different times in one month in a state I've never been in. Under the Error Resolution Notice which they had no idea about they are not crediting my card like they are supposed to.
Product: Credit reporting or other personal consumer reports

I have repeatedly asked the Credit Bureaus XXXX, XXXX, and Experian to accurately update and report my correct information. To include removing undeliverable addresses, accurately stating my name, phone number, D.O.B and employer. I have also asked to have inquiries that I do not recognize to be removed and updated as it is my right to have a consumer report that reflects an up to date and accurate account of my consumer report. I have notified the above listed companies and there has been no response and no change. This is causing damage to my credit profiles as potential institutions and companies are confused by the mismatch of information being reported.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following items which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX XXXX : {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts Listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

on X/XX/2017 a representtive from online collections grvl spoke to someone other then my self at XXXX XXXX. 
i did not authorize they speak to anyone other then me. 
the woman on the phone allegdly gave information pertaining to a image conslulting comna that specilazes in XXXX 

i did not want this information to told to anyone, this is HIPPA! PRIVACY ACT.
Product: Debt collection

Company claims to have verified debt, after the police investigation it has been determined the debt is not mine and APPROVED. Items were shipped to an address XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, Ca XXXX which I have never lived at nor has nothing to do with me. 

Order # XXXXXXXX XXXX XXXXXXXX Company issued credit card and later closed it after their internal " restructuring '' to all credit card holders, pretty sure this is an internal fraud case. 

Company is sketchy at best.
Product: Checking or savings account

There were several checking and savings accounts opened in my name at Wells Fargo that are opened by someone else and its fraudulent my social security number is XXXX I dont know the account numbers
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX, Date XX/XX/XXXX, Account Name : XXXX XXXX, Date XX/XX/XXXX Account Name : XXXX XXXX, Date XX/XX/XXXX, Account Name : XXXX XXXX, Date XX/XX/XXXX, Account Name : XXXX XXXX, Date XX/XX/XXXX, Account Name : XXXX XXXX, Date XX/XX/XXXX, Account Name : XXXX XXXX, Account Name : XXXX XXXX, Date XX/XX/XXXX, Account Name : XXXX, Date XX/XX/XXXX, Account Name XXXX XXXX, Date XX/XX/XXXX, Account Name : XXXX XXXX, Date XX/XX/XXXX, Account Name : XXXX XXXX Date XX/XX/XXXX, Account name : XXXX, Date XX/XX/XXXX and Account Name : XXXX Date XX/XX/XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.
Product: Debt collection

The original owner of account is XXXX XXXX. I got notification from XXXX XXXX just recently that the account was SOLD to Midland Funding. This company buys debts for pennies on a dollar and attempt to collect full debt. I have asked them to delete debt because I never signed a contract with them which means I don't owe them any money. Why would I pay the {$550.00} when my credit limit was only {$200.00}. Midland Funding is reporting inaccurate information to the credit bureau.
Product: Credit reporting or other personal consumer reports

I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. I have made contact with XXXX, Equifax and XXXX 45 days prior to filing a complaint. I have yet to receive a response.

section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. 

Accounts XXXX XXXX XXXX Bankruptcy XXXX I have made contact with the court house and they have reported to never filing a XXXX  XXXX Bankruptcy.
Product: Credit reporting or other personal consumer reports

I recently pulled a copy of my credit report and noticed that there are names, addresses, and employers on my credit report that are in error.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and XXXX ( a ) ( XXXX ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXXXXXX Balanced {$0.00} XXXX XXXX Balanced {$0.00} XXXX  XXXX / XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX XXXXXXXX Balanced {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX Balanced {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax credit information services. Inc. Reporting an account by XXXX for {$2000.00} as open. Account has also been removed but re appeared on XX/XX/XXXX. Account has been disputed before by agency and removed in XX/XX/XXXX. Equifax added the amount and reaged without informing consumers. This is against best practices. Letter was sent to Equifax to remove account as it was recorded inaccurately account was then removed by Equifax. Then opened and added on!. Several letters has been sent to Equifax with no responses. 
Then information was removed from credit reporting. The ADDED back as new account in XXXX See attachments
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
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: Debt collection

MCM ( I have no idea what bank that stands for ). Keeps calling looking for someone that is not me. For months and months and months. They have repeatedly told me they are not going to call anymore but continue to do so. XXXX XXXX was the latest employee to call me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is stating I have an American Express Card that I do not have. My ex had a card and I was never on this account nor was I responsible for it. There is a balance of {$29000.00} that is showing up on my credit report that is not mine and is has been reported fraudulently. 

This is to be removed off of my credit report immediately and remediation to ensure that American Express does not report incorrect information on a person 's credit report needs to be ensured going forward.
Product: Debt collection

I noticed some collections on my credit report that I have no idea who they are these collections must be removed from my credit report.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX
Product: Debt collection

I have tried multiple times to get XXXX XXXX to remove the account from my credit report because I no longer owe on the account and have a letter from them from back in XX/XX/2018 stating so. i need the credit bureaus to update.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, Experian, XXXX, and XXXX are in direct violation of the FCRA and CFPB regulations as they are knowingly reporting inaccurate information. I have disputed this account on several occasions with the credit bureaus as well.Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. For example, Experian currently shows a balance of {$1400.00} and a status of Open with the last payment showing XX/XX/XXXX, XXXX is currently showing a balance of {$1500.00} and an original balance of {$1500.00} with the limit as {$1400.00} and shows last payment of XX/XX/XXXX and is reporting 3 late payments ( 30 days late XXXX XXXX, 30 days late XX/XX/XXXX, and 60 days late XX/XX/XXXX ) with a payment status of 90 days late and a past due amount of {$180.00}. XXXX is reporting a balance of {$1400.00} with a payment status of not more than 2 months behind with one 60 day behind payment in XX/XX/XXXX XXXX would like this inaccurate account immediately removed from the credit reporting agencies immediately or I will request the maximum amount per each violation.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
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: Debt collection

In XXXX I filed for Chapter XXXX Bankruptcy. I successfully completed my chapter XXXX bankruptcy in XXXX XXXX. Shortly after my discharge, I got a notice from Bayview that I was 229 days delinquent on my mortgage and the amount due to bring my loan current is {$16000.00}. I disputed the delinquency amount and I found out that they have my account in suspense. I contacted my lawyer who then wrote to Bayview to remove my account from suspense and credit my payment accordingly, but Bayview did not do that correctly. On the Post-Petition Ledger from Bayview Transaction date, XXXX/XXXX/XXXX amount received {$11000.00} this payment was not applied correctly. 

I also told them that if I had missed a payment while I was in bankruptcy, they were by law supposed to call the bankruptcy court as well as my attorney to report me and that they were in violation of the bankruptcy code. Since then, I have been trying to deal with them. They sent me an application to apply for a loan modification, making home affordable to avoid foreclosure. I accepted the offer and I applied for a modification. I submitted all the necessary documents as requested. Three months later Bayview denied the modification stating a Negative NPV- that the owner of my loan did not approve a modification. 
They gave me alternatives to pre-foreclosure or Deed-in-Lien. Bayview tactics are unethical and illegal, they are making it very difficult for me so that they will foreclose on my house and make money.This company is just awful, does not record all payments, even though the checks were cashed and I have proof from my bank Attached are my correspondence to Bayview and the Post-Petition Ledger from Bayview showing all my payments.This company is just awful, Bad COMPANY TO DO BUSINESS WITH. A lot of negative complaints about this company, they have destroyed a lot of families. See attached compliant. 
https : //www.consumeraffairs.com/finance/bayview-loan-servicing.html? page=2
Product: Debt collection

I tried paying it but they wanted more for what was asked tried to set up payment arrangements wanted more.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple dispute letters looking to update my address on my credit report. Equifax is giving me issues and now not allowing me to view my credit report because the address isnt updated! I am looking to update my address on my credit report and also remove any fraudulent information on my credit!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have identified information on my consumer credit file that is a direct result of identity theft. These items on my consumer report are not related to any transactions authorized to be placed on my consumer credit file. My privacy rights have been violated. There are variation of account numbers and incomplete, variations of balances. My Social Security number, my date of birth and other sensitive information has been compromised by all three major credit reporting agencies which include XXXX, Experian and XXXX all three agencies have had data breaches. I have disputed with all the three major credit reporting agencies only to be denied. On XX/XX/2022 my credit score plummeted over 100 points. This company has been on my consumer account with these inaccuracies. It has cost me a great deal of grief, money, time and XXXX. It has affected my health, credit score has decreased, for years I have been denied credit, denied employment, denied housing opportunities and loans.
Product: Checking or savings account

I had some work done in my backyard during the month of XXXX. On XX/XX/XXXX, I was sent a bill from XXXX XXXX XXXX for the balance of my bill {$8300.00} requesting I send it via electronic transfer from my XXXX XXXX  XXXX saving account to an account at Chase bank. Here 's the information I received : XXXX XXXX XXXX XXXX XXXX XXXX CHASE Bank Address : XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX 's XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX sent the money to Chase as XXXX. XXXX XXXX XXXX  informed me on XX/XX/XXXX that their email address was hacked and it was not XXXX XXXX XXXX  I sent the money to. I also learned that the name on the account at XXXX was not XXXXXXXX XXXX XXXX ( I don't know what the name on the account was as XXXX said that privacy laws forbade it ) and that XXXX XXXX XXXX doesn't have an account at Chase. Chase should have flagged the mismatch of names- the name to which I transferred money to XXXX XXXXXXXX XXXX XXXX XXXX and the actual name on the account which was NOT XXXX XXXX XXXX. 

I went through my bank, XXXX XXXX XXXXXXXX to get my money back from Chase. I filed the claim on XX/XX/XXXX. It wasn't until XX/XX/XXXX that XXXX informed me that Chase denied the claim as the account was empty ; not a surprise. 

I also filed a police report, made a claim through my home owners ( no success ), and filed a claim with the FTC
Product: Mortgage

I have been working with a loan rep, XXXX XXXX. I contacted her supervisor XXXX XXXX and his supervisor, XXXX XXXX, regarding lending practices and both have not responded to my multiple emails and calls. I have a complaint with the process and how it is being handled. 

BOA promotes this XXXX program for first time home buyers which drew me to them, as well as I have been a customer since XXXX. Initially I was approved, but when it got closer to closing, I began to receive inconsistent information and told I do not qualify for the XXXX and they want me to put more money down. I was initially told BOA looks at the XXXX most recent years tax returns and takes the average over those XXXX years to determine my annual income. At first, BOA looked at XXXX and I was told I DID qualify for the XXXXXXXX XXXX XXXX XXXX, but they wanted me to put more money down because my self-employment income was too low ( but the debt did not exceed 80 % XXXX ) and they would not consider my XXXX income. Then I was told they would review XXXX and XXXX. I was told they would not use the XXXX tax return because there is an extension filed and I will need to file the return and pay the amount due. Although, I made a payment on my tax balance to the IRS with my extension filed, they would not consider it. The XXXX tax return reflects the income was sufficient to qualify for the XXXX and 3 % down, however, they chose to disqualify me. Now, I am being told, they will only consider my income for XXXX based on my XXXX XXXX XXXX  ONLY or tentative profit and not net profit, which considers all my expenses. They stated they will disregard ALL the tax returns altogether. It is convenient that the XXXX & XXXX statement shows a net profit that disqualifies me altogether by $ XXXX, so they have decided to use that only and not my tax return which accounts for self-employment tax, home and auto expenses which are not included on the XXXX & XXXX. BOA refuses to show me their guidelines and criteria reviewed for self-employed income as I have requested and they can not explain why, in my situation, they have constantly changed the reasons for approval/disapproval for the XXXX. If the policy is to average the 2 most recent tax returns, show me where it has changed. Also, since they have chosen to use my XXXX XXXX  XXXX, why aren't they accounting for all my expenses. 

My perception of this " process '' is that they are selecting the criteria they want in order to disqualify me for the XXXX money and want to get me to pay them more money out of my pocket. I have attempted on several occasions to try to get clarity and as a result, today, they removed my application altogether with no explanation. 

I am asking for someone to specifically answer my question with the documented policy on review of self-employment income to determine mortgage loan eligibility.
Product: Debt collection

On XXXX XXXX I sent a certified letter to Bull City Financial solutions for debt validation. the letter arrive to the company on XXXX XXXX. I mention in my validation letter to please provide me with competent evidence that I had any legal obligation to pay them. i mention to please reply back within 30 days with proper documentation. If the office fails to respond to my validation request within 30 days from the date of receipt, all references to the account must be deleted and completely removed from credit file and a copy of such deletion request shall be sent to me immediately .On XXXX XXXX a negative was still reported on my credit reports but still I never received a response to my validation letter with the requested information i asked from the company i provided a four page validation letter package for the company to complete.
Product: Debt collection

Dear XXXX XXXX, Our reference : XXXX XXXX Original Creditor : XXXX Original Account : XXXX Current Creditor : Credit Corp Solutions , Inc. 
Balance Outstanding : {$2400.00} As discussed, please find the attached document. 

I can be reached directly at ( XXXX ) XXXX or toll free at : XXXX. Our opening hours are XXXX MST Monday-Thursday, and XXXX MST Friday. 

Did you know, you can manage your account online anywhere, anytime. Simply log in to your account at https : //creditcorponline.com/selfservice # /login using your reference number XXXX. 

The online portal allows you to see available offers, make a payment or chat with us online. 


Yours faithfully, XXXX XXXX