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

I am filing a complaint against Cashapp block inc. Due to inadequate customer service and unfair practices which violate Consumer Financial Protection Act CFPA. Specifically CashApp 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 XXXX
Product: Debt collection

M @ T bank keeps reporting late payment I had in 2009 and the loan is pay off 4 year ago!
Product: Credit reporting, credit repair services, or other personal consumer reports

I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again  formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX  {$570.00} XXXX  XXXX XXXX   {$0.00}
Product: Credit card or prepaid card

XXXX rewards credit card ( a travel agency ) did not allow me to dispute an unauthorized charge from XXXX car rental back in XX/XX/XXXX. They work hand in hand with car rentals, hotels and airfare. I rejected the insurance on the rental because the man at the counter said if I have insurance on my vehicle at home, I did not need it. ( XXXX XXXX  ). 
XXXX did not allow me to dispute the charge! ( I paid XXXX for my whole travel to XXXX, air, hotel and car rental almost XXXX from XXXX  for 5 days ) Barclays which manages XXXX is backing them up and not allowing me to dispute this charge. I tried contacting XXXX but you can not get a live person and they never responded to my emails. 
My credit score dropped over XXXX points and I am not a fault. Why should I pay something that I did not ask for? 
If you XXXX XXXX on the internet, everyone who used XXXX is having the same problems as I. 'DO Not do business with this company they are horrible. I have been trying to get an issues resolved since XX/XX/XXXX, its now XX/XX/XXXX. You can never get anyone on the phone, they hang up on you or disconnect you. They tell you a supervisor will return your call within 12 -48 hours which never happens and there is never a supervisor available when you call. I had an issue with a merchant, the credit card company doesn't stand behind their protection offer at all. its all lies. take your business elsewhere please ..... '
Product: Credit reporting, credit repair services, or other personal consumer reports

This being my last result before the court system is involved. I demand that the following inaccuracies be removed and or corrected on my consumer report. I had no idea that the credit reporting agencies were actually acting in a manner that I did not authorize or give my consent. Pursuant 115 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer I require everything listed in this complaint is removed/deleted/corrected immediately. This is my complaint and I have completed this on my own for myself. 
DELETE THESE ACCOUNTS : XXXX. XXXX, XXXX XXXX, XXXX XXXX  XXXX, AL XXXX, XXXX XXXX  XXXX, AL XXXX XXXX/XXXX XXXX, XXXX  XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX  XXXX  XXXX CORRECT LATE PAYMENTS ON : XXXX XXXX, XXXX/XXXX  XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX REMOVE THESE INQUIRIES FROM MY REPORT : XXXX XXXX, XXXX, XXXX, 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: Mortgage

I am trying to apply for a mortgage from Bank of America. I have already signed a sales contract and have sent it to my loan agent at Bank of America XXXX XXXX # XXXX XXXX multiple times. However, the loan agent repeatedly claims that she does not have the sales contract, despite both me and my sales agent sending the contract many times. Her incompetence and failure to read the attachments sent to her is resulting in me in danger of losing not just my house but my deposit of {$25000.00}. I believe she is pretending to not have the sales contract and is intentionally lying to me. 

When both my agent and I have sent the same sales contract to her, for her to pretend she does not have said contract and thus denying me a mortgage is not acceptable.
Product: Debt collection

I have already talked to someone about this debt, and have set up a payment plan, yet they are calling my mother constantly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed 7 validation letters to experian in regard to this matter. I never received a response. On XX/XX/2021 I submit a complain via CFPB in regards to the matter. Experian responded that they would investigate and they closed the CFPB complaint. They did open a investigation and responded The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. Experian did not provide any documentation of validation. This concerns me as I do not understand how they arrived at this conclusion since this information is indeed incorrect. 
This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/identification of the dispute ).

To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute.

Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). I would like to know the following : 1. The first and last name of the representative you spoke to regarding these accounts 2. The time and date you spoke to this entity 3. Did this representative verify my full name, social security number, current address and date of birth correctly?

4. Did they provide you with my original contract with my original signature on it? If so, why havent you sent this information to me?

Below is the item that have not been properly verified & that you continue to report illegally. 
Account XXXX : XXXX XXXX XXXX Account XXXX : XXXX
Product: Debt collection

Dear Jefferson Capital Systems - XXXX XXXX / Sir/Madam, I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : XXXX. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter. 
XXXX. Legal basis for the collection of this debt. 
XXXX. Proof of your authorization to operate in my state. 
XXXX. Evidence of the alleged debt, including any contracts or agreements bearing my signature. 
XXXX. Complete account history, inclusive of all collection-related charges. 
I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
Product: Mortgage

I was a XXXX  XXXX  for about 7 years. I resigned from my position at the end of last year. 
Me and my spouse decided to open our own XXXX. 
Long story short I completed a withdrawal from my retirement. 
I requested a check to be mailed to me. 
The check was lost but on the retirement website stated you'll receive your funds within 10 days of the check being issued. 
It took me over a month to get my funds. 
XXXX came and went and I was already in a loan modification with Wells Fargo and if I had received my funds correctly I would not be possibly looking at a home foreclosure because i couldn't make the payments needed before XX/XX/XXXX. I informed the XXXX retirement of my concern about my home. 
Nothing they could do even me facing loosing my home. 
Nothing, no help at all. 
Now I'm left with dealing with Wells Fargo with just started a new XXXX  .The rest should be self explanatory.
Product: Checking or savings account

I created a checking and savings account online with funds deposited and was approved. Upon approval, I was advised I could make my account online while my card was sent. I received several transfers via XXXX on this account through my family and was unexpectedly advised my account was closed when I tried to activate the card sent. They never contacted me to identify any issues with creating the account and did not disclose it was closed. They did not either advise where my funds for the account were until I called which they advised would be sent via certified check within 10 to 15 business days. They did not offer any assistance or advise my account would be closed.
Product: Debt collection

I am XXXX and after 10 years of living at my previous address on XXXX XXXX, XXXX I gave written notice that due to unforeseen circumstances I needed to break my lease, attach is a copy of the notice. On Monday XXXX XXXX, XXXX my son dropped off the keys, at that time he was required to sign a move-out key receipt card along with reason for moving out and forwarding address to forward my security deposit, after inspecting the apartment. About 2 1/2 weeks later I text to find out the status of Mt security deposit and the XXXX XXXX the assistance property manager response to me to let me know that the law allow 's them 30 days after move-out date to return deposit. OK fine. On XXXX/XXXX/XXXX I again email XXXX XXXX to advised her that the 30days was up and my security is way overdue and has per the law my security is now doubled. ( CAUSE BY LAW I MUST BE NOTIFY OF MY SEC. DEP. OR WHY I AM NOT GETTING A REFUND ) attach is all the email after going back and forth I decided to file a suit in tenant landlord court. XXXX XXXX, XXXX I showed up in court for the judge to hear my case, which at that point for the first time the judge and myself was notified that they XXXX was filing a counterclaim against me, at the point the judge advised me of my rights if I wanted reschedule or go ahead with my claim against them, and at a later date they can come back for him to hear the counterclaim. Attach is a copy of the judge order ON MY CLAIM which was dropped, on XXXX XXXX I was scheduled to go back to court for XXXX XXXX COUNTERCLAIM AGAINST ME. XXXX XXXX OR THERE ATTORNEY NEVER SHOWED UP FOR THERE COURT DATE SO THE JUDGE DISMISSED THERE COUNTER CLAIM AGAINST ME. ATTACH IS HIS ORDER. AT THIS POINT XXXX XXXX is STILL TRYING TO COLLECT AFTER THE JUDGE DISMISSED THERE CLAIMS. I have faxed over a copy of the court order/judgement to XXXX XXXX at XXXX. She emailed/verbalize me in response to the judge/court order that I am still responsible the court order means nothing. Please assist me in resolving this matter. XXXX XXXX Thanks
Product: Debt collection

AMERICOLLECT INC Original creditor : XXXX XXXX XXXX {$940.00} Balance updated XX/XX/XXXX XXXX provided AMERICOLLECT with my medical information without permission. Theyre reporting an incorrect bill for services that were covered by XXXX XXXX XXXX XXXX XXXX XXXX This is the second time this company has tried to place a medical bill on my credit. The last time they tried it was XXXX and was told my XXXX  to remove the collection as the balance wasnt paid by fault of XXXX.
Product: Credit reporting or other personal consumer reports

I am submitting this to formally dispute the inaccurate reporting of late payments on my XXXX account, XXXX. I believe this to be an error, as my account status has not changed and I have continued to make timely payments. The discrepancy between the two reports has caused significant concern and may negatively impact my credit score.
Product: Checking or savings account

Good evening! I am XXXX XXXX my cell is XXXX XXXX XXXX this is in referrence to bank of america response to 1st compplaint and ypur system is not allowing me to provide feed back to the BOA response Bank of america had two unauthorized transactions on my account and I explained to them I never used XXXX the XXXX advocate who is responding is not aware that I never ever used XXXX and they mention I made a mistake and refused me the refund stating i withdrew my claims and in retaliation of my complaint to CFPB your company has mentioned they are terminating deposits and closing the account ending in XXXX qnd that they are not required to provide a reason to close the account this definately leads one person to believe its retaliation practices other wise they would come to a better solution to simply recreate a new bank account for me to ensure security instead they threatened to close any future accounts without warning. I have been tryi g to simply reaolve this problem without conflict and bank of america and XXXX both created a misunderstanding on this matter and failed to communicate correctly a resolution. If a customer is scammed the solution is now to cut off banking relationship and close account not only does this affect the victim whom i relied and trusted this bank to secure me as a client yet they close my account and let the bad guy win for steeling using their apps???? I am requesting bank of america to re review their decision and not make me a victim a 2nd time. I again have tried to come to a resolution and avoid conflict and want to keep my accounts but bank of america staff are all miscommunicating information and this is not right. Please provide my feed back to bank of america from here since your system will not let me provide feed back thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Crypto.com ran a promotion where if you upgraded one of their cards and added crypto to account, they will provide a rebate based on card level for purchase of XXXX  products. Promotion can be viewed here XXXX XXXX XXXX 

My wife and I both took part of the promotion and made purchases of {$5000.00} each at the XXXX store. The promotion stated that we would each receive a {$5000.00} refund 3 months from the XXXX end date ( XX/XX/year> ) which would mean we should have received refunds by XX/XX/year>. Neither of us received the promised refund. My wife and I have each reached out to support and they have not be able to provide any update. One support ticket has been open for over 60 days and the other open for over 40 days.
Product: Mortgage

Was making my payments on time and the loan company keeps reporting me that I'm not making my payments on time. Yet it's shows on my bank statement I was. I tried to get them to fix it but they won't do it. There reporting it many times and my credit score keep going down. I need help. This lian company won't listen to me.
Product: Debt collection

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. 

XXXX : # XXXX, XXXX  : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX : # 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 furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

CFPB- I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND ( BUREAU ) DID NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ).
Product: Debt collection

This company keeps flagging my credit report for a balance owed that I NEVER requested. I have no business with NATIONAL CREDIT ADJUST. The keep harming my credit. I NEVER requested no services nor goods from this people.
Product: Mortgage

XX/XX/XXXX Letter was mailed to me by XXXX XXXX XXXX ( Home Owners Insurance ) advising that my renewal payment had not been received. My insurance is escrowed. I first called New Rez c/o Shellpoint On XX/XX/XXXX to inquire about why the payment had not been made. I was advised that the insurance department was closed to call back XX/XX/XXXX. Immediately I called XXXX XXXX, where I was advised that XXXX was due. Invoice had been submitted to New Rez c/o Shellpoint Mortgage on XX/XX/XXXX. Payment was declined. XXXX advised that she would resend the invoice to the fax number they had on file. I reached back out to New Rez c/o Shellpoint Mortgage on XX/XX/XXXX, where I was given several reasons ranging from them having thousands of accounts that they serviced and mine may have been missed to them not having my insurance information on file. The agent stated that my fax sent from XXXX on XX/XX/XXXX had been received, so now they had my insurance information. I asked why my information had been deleted off my account as they paid on that same policy last year. I have not made any changes to my insurance in years! The resolution of the call was a check would be overnighted to XXXX and there would be payment in 24-48hrs. I waited to call to allow time for payment processing, then on XX/XX/XXXX I received notification from XXXX that my insurance expired. I immediately called XXXX and had a three way call performed to somehow stop the process of cancelation. I was told that the mortgage company gets a grace period of two months to make payment and the account was pending termination set for XX/XX/XXXX. The XXXX XXXX and myself called New Rez c/o Shellpoint mortgage and were told the check had been cut on XX/XX/XXXX it would take 10-20 business days for the payment to be made. XX/XX/XXXX I received an email notification stating that the insurance had been reinstated. 

I am filing this complaint as the mortgage company failed to make my homeowners insurance payment ; placing myself in financial jeopardy in the event there was a loss of the property. If I had not been on top of this issue my insurance would have lapsed! The account is escrowed and should have been better managed. As a consumer, I should not have to spend time away from my employment to address the neglect of the mortgage company.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Experian is reporting fraudulent addresses and inquires : Fraudulent Addresses : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Fraudulent Inquiries : XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XX/XX/year> ALLY FINANCIAL Dear Credit Bureau, I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from credit file because it is making it very difficult for me to acquire credit. I have sent this letter certified mail because I need your promo response to this issue. Please be so kind to forward documentation that you have had the unauthorized inquiry removed. Sincerely, XXXX XXXX XXXX
Product: Debt collection

I opened up a account with Experian and immediately notice the XXXX XXXX account because I have never had a auto loan with XXXX XXXX never so I called them and spoke to a guy name XXXX XXXX and I was talk to him and gave him the account number XXXX and he asked me my name and I told XXXX XXXX XXXX and he immediately told me that this account belonged to a XXXX XXXX so i asked him why was it reporting on my Credit report and he stated that he had no idea and every time i call now they act as if they have no information or they don't time or try to rush me off the phone so something isn't right so please help me
Product: Credit card

CAPITAL ONE SOLD THIS ALLEGED DEBT TO CREDIT REPORTING AGENCIES VIOLATING THE FCRA 15 USC 1681a and FCRA 15 USC 1681n willful Non compliance AND the PRIVACY ACT 5 USC 552a