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 tak timely and effective measures to prevent ar address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces 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 redres ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to tal timely and effective measures to prevent a address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce 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 anc financial loss, and I seek appropriate redre for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had reached out to Equifax on a daily basis to help get the incorrect SSN on my account resolved. They have been unhelpful and every time I submit a new case, I am told to submit the documents again because they do not have anything on file for me. As of XX/XX/14, I spoke with XXXX, Agent ID XXXX, and also a supervisor XXXX, agent ID XXXX. After this call, I was told to send the documents again, even though they have been sent previously online and physically by mail. After this call, they had deliberately disabled my ability to submit a dispute online regarding my SSN. I can dispute any other information on my file, but my ability to dispute my SSN has been disabled. This is deliberate and criminal.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF HUMAN TRAFFICKING, AFTER FINALLY GAINING BACK ACCESS TO MY PERSONAL INFORMATION I NOTICED A SLEW OF ACCOUNTS THAT I NEVER CONSENTED TO BEING OPENED NOR HAVE I UTILIZED. I WAS ABLE GET SOME ASSISTANCE WITH VIEWING ALL MY CONSUMER REPORTS AND CONTACTING THE CREDIT REPORTING AGENCIES. 

CONTINUING TO FURNISH THESE FRAUDULENT ACCOUNTS TO MY CREDIT REPORT IS IN VIOLATION OF BOTH 15 USC 1681 C-2 AND 15 USC 1681 C-3.

EACH REPORTING AGENCY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY AND DUE TO THE UNFORTUNATE EVENTS, THESE ACCOUNTS WERE SUBJECT TO REMOVAL WITHIN 4 BUSINESS DAYS. 

AS I HAVE GOTTEN BACK ON MY FEET, THESE ACCOUNTS ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN NEW LINES OF CREDIT FOR MYSELF. MY CONSUMER LAWS ARE BEING VIOLATION WITH THESE FRAUDULENT ACCOUNTS BEING REPORTED.
Product: Mortgage

Good Morning, I have a mortgage on my property at XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX CA XXXX and the Mortgage Servicing company is Gregory Funding. This loan was in forbearance with the previous Lender ( XXXX XXXX XXXX ) since XXXX of 2020. The loan was transferred to Gregory funding also in XXXX. I did get a notice of this from Gregory funding and notified them of the difficulties of paying my mortgage during these times and requested the the continuation of the forbearance period. During the months between XXXX and XXXX i did make payments to Gregory funding. The last payment was XX/XX/2020. On XX/XX/2020 Gregory funding recorded a notice of default and started foreclosure. I immediately contacted them on XX/XX/XXXX and discussed the matter with representative. I asked why I was in foreclosure with out the correct notices provided by law. At this time the agent said they had mail returned for insufficient address. I asked them why they did not reach out to me via telephone to correct the mistake, representative did not have a response. We went over the address and what was missing from the address was the Suite Number hence the mail was returned. I immediately told the agent why do you have the incorrect address if you were given the correct address by the previous lender XXXX XXXX XXXX, No response. Gregory funding did not follow protocol of what is required by law to notify me of intent to foreclose or follow the forbearance agreement. I have spoken to a supervisor today ( Mr. XXXX XXXX and I said I am willing to clear out my savings and bring the loan current but it is not correct to include Legal fees in the reinstatement figures. He refused to make any concessions and was not willing to give me any answers on why Gregory funding was quiet/no contact with me since XX/XX/XXXX and notified me of the intent to foreclose or notify me that they had returned mail. I would like help in putting some human sense into the situation and for them to reduce the legal fees and allow me to make the past payments and keep my home.
Product: Payday loan, title loan, or personal loan

Capital One Auto Finance was compensated for the loan on account number XXXX. 

Capital One Auto Finance is still reporting at the State of Michigan Secretary of State that it has outstanding lien on the vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company, XXXX XXXX Bank, is reporting inaccurate and incorrect information to my consumer reports XXXX, Equifax, and XXXX. Your company reporting past due amounts for an account you labeled as charged-off. Your company did not have written permission from me to report any of the negative information to my consumer reports. 

Please see attached letter to understand the specifics and violations from your company. My mode of living has been affected and my ability to obtain credit to be able to take care of my family along with my children 's ability to pay for college.
Product: Credit reporting or other personal consumer reports

The following inquiries are fraudulent and do not belong to me, therefore, they need to be removed. Thanks. 

XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX  - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX  XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$400.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections 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 items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are 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 accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to Privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as a lat for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : This document is a request for any information on my delinquency or derogatory behavior. I would like all information to be accurately and completely reported in accordance with all established laws and standards. If there is any potential negative information, I would like it to be verified and confirmed. I want to know the absolute truth and facts about it, even if it is certified.You need to have a process for reporting which follows the Metro 2 data field formatted reporting standard. I don't think your report is accurate because of the claims in this complaint. I don't think your report is accurate, and I challenge you to make a document that shows all of the evidence for each claim. The document should be verified as correct, complete, and true. You should be aware that, according to the 2020 CRRG : " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA ''. The report you sent me does not seem to be accurate. I am not sure if the reporting process was done correctly or if the format is correct. Because of this, I can not say that your claims are accurate. Even if the collection rights are still valid, which is not clear, your claims would not meet the minimum requirements for a legal and ethical report.The below-noted claims are disputed and have not been confirmed as facts. I am requesting that you remove any false accounts from my credit report. I only want factually accurate, verified, and compliant data documented on my credit report. 

Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO PRINCIPAL IS NOTICE TO AGENT AND NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern, Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with XXXX XXXX. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

XXXX XXXX ACCOUNT # XXXX In addition, please remove all non-account holding inquiries over XXXX days old. Also, please add a promotional suppression to my credit file. 


Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation.
Product: Credit reporting

I have never LIVED in XXXX, MD or ever been there.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. These account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 SECTION 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) any other adverse item of information, other than records of convictions of crimes which antedates the person shall not furnish information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I realized this year that I had a lot of fraudulent information on my credit report when I signed up for an XXXX account. These included fraudulent loans, credit cards, and bankruptcy's. I informed myself on my rights and what I had to do to inform credit reporting agencies that I was a victim of identity theft. I have been combating the fraudulent information for months now, and most of it has been proven to be from identity theft, and has just-fully been removed. However, there is still a  bankruptcy that has not been removed from my Equifax report even though it has been proven that it does not belong to me. I am very frustrated that my identity was stolen, and more frustrated that I have done everything in my power to fix this, and Equifax has refused to remove this derogatory from my file.
Product: Mortgage

Bank of America has purposely parked and stalled my Request for Mortgage Assistance ( RMA ) application package with the various tactics that include, but not limited to, incorrect denial of borrower eligible programs, specifically Making Homes Affordable ( MHA ) Home Affordable Modification Program ( HAMP ), ceasing communication during the loss mitigation process, withholding material information regarding the status of the borrower, mishandling of documents, misrepresenting the status of the loan, and making duplicative and unnecessary requests for documents. 
These tactics are employed and designed to intimidate, disstress, and coerce the borrower into an action or inactions that, absent of such tactics, would not have occurred. 
In addition to soliciting a desired result, Bank of America had also solicited government and tax payer funds that, absent these tactics, would not have had cause to be solicited or used. Specifically, Hardest Hit Fund Program ( HHFP ) for borrowers who are active in the loss mitigation process. 
From XXXX XXXX through XXXX XXXX, Bank of America received HHFP Unemployment Assistance monthly installments applied to this home loan mortgage account. On XXXX, XXXX, and again on XXXX XXXX, XXXX, I received the same exact MHA HAMP denial letter from my assigned SPOC which was later determined to be incorrect on an appeal and subsequent escalated cases. This is no coincidence in timing that just so happened to be when the last HHFP Unemployment Assistance monthly installments ended. 
I have repeatedly requested an explanation for the Bank of America repeated representation of borrower ineligible for HHFP assistance while collecting and applying those payments to my home loan mortgage account from XXXX XXXX through XXXX XXXX, but have never received any response from Bank of America and their representatives that addresses my concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  accounts- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. Has violated my rights 15 usc 1681 section 602 A states i have a right to privacy. And also 15 usc 1681 604 A section 2 also states a consumer resporting Agency can not furnish a account with out my written permission.
Product: Credit card or prepaid card

I had made a payment to barclaycard using XXXX XXXX 's billpay feature, received confirmation that it was delivered to / accepted by Barclaycard, but Barclaycard never applied the payment to my account. I've called and faxed both XXXX XXXX and barclay at least a dozen times over the last 4 weeks and no one has been able to remedy the situation. 

XXXX XXXX tells me that they've requested the payment be pulled back from barclaycard at least 4 times to issue me a refund, but they still have not received ANY type of response from barclaycard. 

I submitted 2 separate formal research requests to Barclaycard to find this payment and apply it correctly, and they still haven't found it / updated me after 3+ weeks. I've called barclaycard 1-2 times per week for status updates and their response has only been that they are still researching, and that they CAN NOT provide an estimated time to completion of the research request. 

As of now, I have no recourse or resolution for my {$4900.00} payment made to Barclaycard through XXXX XXXX and no one is able to help me. I just now got off the phone with Barclaycard again ( XX/XX/2020 at XXXX EST ) and they again have told me that there's no estimated time to completion / resolution of this request and that my almost {$5000.00} payment due on my card on XX/XX/XXXX1 is still due ( even though they are already in receipt of those funds since I've already paid ). 

I need help with reaching out to Barclaycard to track down this payment and apply it to my account. The general customer care line is unable to fix this, but I'm sure someone with knowledge of the XXXX XXXX bill pay receivables account can fix this within minutes. I have the exact time, date, and transaction number of my payment to Barclaycard from the XXXX XXXX payment receipt, so it's just a matter of searching the receivables account for that info and applying my payment. 

Thank you!
Product: Student loan

The loan was sold by XXXX to Discover, ever since Discover has canceled my autopay eight times, set autopay up to the incorrect checking account three times, input the incorrect addresses ten times, and now has increased my payment amount with no notification and will not change the amount that my autopay is for regardless of four attempts to have it changed. They instead are sending me late notices for {$5.00}, imposing late fees, and reporting late payment to the credit bureaus. 

In my opinion they are committing fraud by refusing to change my autopay amount to the correct amount and instead trying to collect fees. There is no way for me to change the amount myself, it is something they need to do.
Product: Checking or savings account

This is the 2nd time I am registering this complaint. As in XX/XX/, when I first registered this complaint, JPMorgan Chase continues to default my banking statement settings to paperless. I have reset the settings to receive a paper statement on multiple occasions, but to no avail. The most recent incident of Chase resetting my account statements to paperless WITHOUT MY CONSENT occurred today, XX/XX/. I received a notification that ALL of my chase accounts had been changed to paperless WITHOUT MY COnsent. statements for any of my savings or checking. I would like your assistance in looking into this matter. My not receiving a paper statement, despite my request to continue to have them mail them to me on a monthly basis, is impacting my ability to monitor my finances and to make informed decisions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : 1 ) XXXX XXXX XXXX  XXXX, Inquiry Date : XX/XX/2020 ; 2 ) XXXX XXXX, Inquiry Date : XXXX XXXX, 2020 ; 3 ) XXXX  XXXX XXXX  XXXX, Inquiry Date : XXXX XXXX, 2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 student loan accounts from the creditor XXXX. On each of the 3 loans theres reported late payments from XX/XX/2016 - XX/XX/2016. This information is inaccurate as the loans were in forbearance at the time and no payment was due. The FCRA forbids Equifax from reporting this information because it is inaccurate and I have provided an abundance of information proving it to be inaccurate. 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 has reasonable cause to believe that the information is inaccurate. 	.	(B)  Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if 	.	(i)  the person has been notified by the consumer, at the ad- dress specified by the person for such notices, that specific information is inaccurate; and 	.	(ii)  the information is, in fact, inaccurate. Equifax only states they are submitting a "dispute" or "investigation". Black's Law Dictionary defines an investigation as INVESTIGATION. To follow up step by step by patient inquiry or observation; to trace or track mentally; to search into; to examine and inquire into with care and accuracy; to find out by care- ful inquisition; examination; the taking of evi- dence; a legal inquiry. Lukert v. Eldridge, 49 Mont. 46, 139 P. 999, 1001; People ex rel. Fennell v. Wilmot, 217 N.Y.S. 477, 479, 127 Misc. 791. Application of Gilchrist, 130 Misc. 456, 224 N.Y.S. 210, 219. I have provided a preponderance of irrefutable evidence and information to assist in Equifax's investigation. Equifax is violating my rights as they are granted to me under FCRA, and falsely misrepresenting themselves as an authority capable of deciding against the ruling of the U.S. high court and Federal Trade Commission, the governing body over the FCRA.I have attached an email showing my request for forbearance during the reported period, a letter from XXXX confirming my account was in forebearance during the time, a historical report of my loan status from the National Student Loan Data System, and the FTC Harris Advisory opinion which is a ruling that states plainly, this information should be updated.