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

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent 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 ( 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 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 ( 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 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 ( 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 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: Mortgage

The borrower lives in a house that her deceased mother took out a mortgage on. The property is titled in the borrower 's name, but the mortgage is in her deceased mother 's name. The borrower currently has a foreclosure action pending against her in XXXX County, Florida. 
The borrower was offered a permanent loan modification in late XXXX 2016. The borrower executed the permanent loan modification on XXXX XXXX, 2016. The borrower 's attorney sent XXXX executed copies of the loan modification to the servicer 's point of contact, XXXX XXXX of Seterus, on XXXX XXXX, 2016 via certified mail return receipt requested. 
XXXX XXXX then asked the borrower to submit a death certificate for the executor of her mother 's estate. The borrower 's attorney faxed and mailed a copy of the death certificate to XXXX XXXX on XXXX XXXX, 2016. 
The borrower 's first payment under the loan modification was due on XXXX XXXX, 2016. The borrower made her XXXX XXXX, 2016 mortgage payment. She also paid her XXXX mortgage payment. 
Seterus is sending the borrower correspondence dated XXXX XXXX, 2016 stating that the loan is delinquent and the XXXX XXXX, 2016 payment through the XXXX XXXX, 2016 payments are outstanding. Seterus also sent the borrower a mortgage statement dated XXXX XXXX, 2016 stating that he amount due is {$16000.00}. 
The borrower 's attorney filed a motion to dismiss the foreclosure action with the court. However, a new foreclosure sale date has been scheduled with the court for XXXX XXXX, 2016. The borrower 's attorney has contacted the Plaintiff 's attorney several times regarding resolving this issue, but the Plaintiff 's attorney says it does n't have any record of a loan modification being executed.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the CFPB findings against Navy Federal for similar practices, where transactions settled with sufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transaction
Product: Debt collection

Ive spoken to An agent with NCB Management 3 or more times. Ive made arrangements to pay the debt once a month until the balance is paid in full. I made a payment at the beginning of XXXX. The agent called me at the end of XXXX to tell me that my account is on non-payment status. How can my account be in non-payment status when I just made a payment? I told her I get paid once a month, and will pay the balance down monthly until the balance is paid in full. There really is no need for her to keep contacting me. All of our conversations are redundant ; there is nothing we can talk about on the next call that we havent talked about on the last few calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bankruptcy being reported   XXXX  2010  .  this information is not correct.   I confirmed that the bankruptcy court does not report to the credit bureau
Product: Student loan

First, I was placed in forbearance without asking me, I only assumed so because of notices on the website and that I no longer showed an amount due. This was in XX/XX/XXXXXXXX  when I had one payment made with autopay, the first payment after the national forbearance ending. I received my next statement ( a different amount than the payment I just made ) and then the payment never went through in XXXX. I confirmed I was still in Autopay so this is when I assumed I was placed into forbearance. Banners on their website talked about people placed into forbearance but I never received this notice. For more information, I did apply to re-new my IDR plan at this time, as directed by email, and never received any confirmation until XX/XX/XXXX. 

Then in XXXX all of my loans show past due, I received no correspondence on payments resuming, only my loans now showing past due. I sent an email asking why and had no response. 

Today, XXXX, XXXX XXXX  I tried again to reach out and started a live chat. I first asked to see why my account had past due amounts when I was in autopay and also on forbearance. I was first told my account was not past due, followed by " oh wait I see it is because of the forbearance placed on my account ... '' I asked to have the late payment removed and they instead said they removed my forbearance. Not at all what I was asking for. I said that and they ended the chat, saying I needed to make manual payments for now. 

I have no idea what the status of my loans are, if I am in forbearance or if I actually have a past due amount or not. Now the live chat is unavailable, no one answering phones and no one responding to emails. I saved screenshots of the chat if needed. I can also provide all the different amounts I'm supposed to pay but because they have been different with every correspondence it would be a bit of a list.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SYNCB : CARE CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Reinvestigation and Removal of Charge-Off Account # XXXX To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account # XXXX have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading.

I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to remove these inquiries that these two companies have been putting on my report XXXX and Experian are the two worst one with no respect for consumers. I have called them several times to let them know how can I have inquiries when I am not even in the country, I spend most of my time overseas getting medical help because I am a XXXX XXXX XXXX XXXX. I sent them proof of my passport with the immigration entry stamps so they can see and I also called and they said that they will remove those inquiries but still nothing has been done. They put freeze and fraud on your report without your consent just because that is the easier way for them to say that they are working versus actually doing their jobs and check the validity of an account. they keep deleting and then re-enter the same account back in your account which is gainst the law. If I had the money I would not waste my time complaining I would of just sue them because I know I would win. they are just shady making money on behalf of us consumers and they are also selling our credit file to other entities likeXXXX XXXX etc. that is against the law they need to be stopped.
Product: Debt collection

On XX/XX/2019 at XXXX we received an automated call from XXXX XXXX XXXX ( XXXX ) asking for XXXX XXXX and to have her call XXXX and reference case # XXXX. After pressing XXXX we were connected with an operator who refused to remove our number and threatened to " call our corporate number ''. After numerous requests to remove our number he decided to hang up
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes my credit report is not up to date and they are reporting outdated information on my credit report also sharing my information without my consent
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4TH endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Violation HIPPA, PHI and California 's Medical Privacy StatuesIn reference to account # XXXXPlease be advised that under Federal Statutes the Fair Credit Reporting Act, ( 15 U.S.C. 1681 et seq ) and California 's Consumer Credit Statutes, you may be held liable for the following actions ( a ) Duty of furnishers of information to provide accurate information. 
( 1 ) Prohibition. 
( A ) Reporting information with actual knowledge of errors. 

A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 

In addition, the HIPAA and California 's Medical Privacy Statutes are in effect in this situation even though the health care services provided may have been prior to enactment. 

The Privacy Rules prohibits a covered entity from using or disclosing an individual 's protected health information ( " PHI '' ) unless specifically authorized by the individual or otherwise allowed under the Privacy Rules. 

In general, PHI encompasses substantially all " individually identifiable health information '' that is transmitted or maintained in any medium. " Individually identifiable health information '' includes health information that is created or received by a health care provider, health plan, employer, or health care clearinghouse, and that relates to an individual 's physical or mental health or condition, including information related to an individual 's care or the PAYMENT for such care. 

The furnishing of my account information is not in compliance with HIPAA, or California 's Privacy Act, and any subsequent reporting of this account on my credit reports to XXXX, XXXX and XXXX is a clear violation of Public Law 104-191 ( " HIPAA '' ) since there can be no permissible business purpose in divulging protected health information to anyone on an account once there is no longer any payment due.
Product: Vehicle loan or lease

Beginning in XXXX, I entered inro a lease with GM Financial for a XXXX XXXX XXXX. In XXXX Covid hit the US and I started having difficulty making my payments of approx. {$590.00} monthly. I got GM to work with me to try to resolve the problem, and an individual named XXXX XXXX began wo work with us ( my wife. GM continously threatened me with repossession or charge-off of the vehicle. We are both senior citizens with health issues. The car is all we have for medical, food, pharmacy etc. Our family ( XXXX sons ) is assisting us with the payments, but they too have responsibilities. They wanted {$1100.00} by XX/XX/XXXX or there will be a charge-off. They simply stopped trying to help once they felt no one was " watching '' them. XXXX XXXX states to my wife since she did not contact her during the month of XXXX, there would be a charge off. We didn't call and there would be a charge off? We are both ill and our income has dwindled since XXXX. By no means are we trying to avoid payment. Our previous record with GM Financial can attest to that ( from XXXX until XXXX ). All we want is time to respond with the required payments, and stop threatening me with reposession or charge off. I am sure they will come back with the record of payment or some such thing, but we were very good customers with GM and we are not asking for a hand out, but a hand up. Can you please help? This is an urgent matter ; we want to work this out, and we don't want our car repossessed. We are so close to the end of the contract, and we want this to work. HELP! 
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Product: Credit reporting or other personal consumer reports

I am writing to file a formal dispute regarding the inaccurate reporting of a charge-off account on my credit report by XXXX XXXX XXXX XXXX The account in question is referenced above. I believe that this reporting is in violation of 15 U.S.C. 1601, commonly known as the Truth in Lending Act ( TILA ).

Under the provisions of the Truth in Lending Act, creditors are required to ensure that all credit information provided to consumer reporting agencies is accurate, clear, and not misleading. The charge-off status reported by XXXX XXXX XXXX fails to meet these standards for the following reasons : 1. Inaccurate Information : The charge-off was incorrectly reported or may not have been fully validated by XXXX XXXX XXXX XXXX This reporting does not reflect the true nature of my account or the circumstances surrounding it. 
XXXX. Failure to Provide Clear Disclosures : XXXX XXXX XXXX may not have provided me with the necessary disclosures or information related to the account, as required under TILA. This lack of transparency has directly impacted the accuracy of the information reported to the credit bureaus. 
XXXX. Potential Violation of Fair Credit Reporting Practices : The continued reporting of this inaccurate charge-off has resulted in significant damage to my credit score and financial standing. This is a violation of my rights as a consumer under federal law. 

I have made every effort to resolve this matter directly with XXXX XXXX XXXX but have been unsuccessful in reaching a satisfactory resolution. I am now seeking the CFPBs assistance in ensuring that my credit report is corrected and that the charge-off is removed. 

I kindly request that the CFPB investigate this matter and work with XXXX XXXX XXXX to correct the inaccurate reporting on my credit file. 

Thank you for your time and attention to this important matter. I look forward to your prompt assistance in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 on XX/XX/2022 provide the information about the identity theft to XXXX Credit Acceptance Corp {$17000.00}
Product: Money transfer, virtual currency, or money service

Coinbase account hacked and unauthorized purchases made with my bank information of XXXX XXXX and then those purchased were sold and money from the sale moved to an account that was not mine. Total amounts in excess of XXXX XXXXXXXX. Coinbase says they are investigating but there seems to be lack of action and no communications. It seems their tactic is to block you and hope you go away.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nv XXXX XX/XX/2024 To whom it XXXX concern : I just got my credit report and some accounts on my credit report are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ).

You also violated 15 USC1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ) Any person who fails to comply and fix this matter will be held liable under 15 USC 1681n which is civil liability for willful noncompliance. 

Accounts ( XXXX XXXX XXXX ) Delete this account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), And 15 USC 1681e ( b ) Once you have deleted my accounts from my credit report, Please send me a copy of my updated report. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Some time ago I had noticed some inquires on my credit report that I did not recognized. I sent a letter to the different bureaus alerting them that the inquiries were not authorized and that they should be removed. All that was done was that my letter was copy and pasted onto my report under the " Personal Statement ''. It showed up on all 3 bureaus for awhile. I was able to get the issue cleared up and all was fine. Years later now I am trying to apply for new credit cards but am being told because of the personal statement on my credit report they can't open new accounts. I was able to get them removed from XX/XX/XXXX and XX/XX/XXXX but Equifax has lied to me and failed to follow through on their own words. I have sent numerous letter requesting them to remove this personal statement from my credit report. I have received a response from them stating that it has been removed. Months go by and the statement still remains on my Equifax report. The issue has not been fixed and I sent letter after letter to Equifax only to be told the problem has been fixed, when it hasn't. The statement remains on my report and there is nothing I can do. I have called Equifax and been told on the phone that the statement would be removed but still nothing. I need this statement removed from my report. It's prohibiting me from acquiring new credit for no good reason. Equifax needs to remove the statement and stop just sending letter saying they've done something they haven't. They are reporting something on my report that they have said in writing they would no longer report.
Product: Checking or savings account

I had to file a dispute for unauthorized charges on my debit card and it was assigned dispute # XXXX. I was told I will receive a provisional/temporary credit but they still have not provided it to me. The last time I was eligible for temporary/provisional credit, it was posted to my account within 2 days. It has been more than 2 days and I have not received this temporary/provisional credit despite making multiple calls to the company. They refuse to transfer you to the dispute department directly so you have to talk to a regular customer service employee. Given how long it takes Chime to resolve disputes, the least they can do is provide provisional credit immediately and stop ignoring people 's request for provisional/temporary credit. Hopefully external pressure via the CFPB will force this company to do the right thing immediately and follow through on their promise.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. 
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The 3 Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC Section 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditors, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. REMOVE THIS ACCOUNTS ACCOUNT COMPLETELY FROM MY CREDIOT REPORT. 
Inaccurate Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX, XXXX XXXX XXXX XXXXXXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Account : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2100.00} ; Inquiries : XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX
Product: Mortgage

After reinstating my loan with Flagstar Bank in the amount of {$89000.00}, which was obtained through the law offices of XXXX XXXX, hired by Flagstar Bank, stated that this would bring my loan current. This amount was paid with cashier 's check on XXXX XXXX, 2015. I made my next mortgage payment of {$5300.00} for XXXX ; however, on my XXXX mortgage statement it shows additional fees of {$1200.00}. I called Flagstar and inquired about this and I was told that Flagstar does not have to disclose additional internal fees in the reinstatement fees. This is totally unethical for a lender. We as borrowers assume that the reinstatment fee is it and we have for-filled our obligation in good faith and then the lender imposes additional fees, at their discretion, after they stated that a certain amount will clear our past due obligations and bring all monies current. This practice needs to be scrutinized by the federal banking regulator bodies to stop this in the future. When XXXX is told that this amount will reinstate the loan to a current position, that should be it.