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

Im filing a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA. ) Specifically, cash app failed to take timely And effective measures to prevent end 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 Transfer Act and Regulation E. These actions have caused significant financial lost and inconvenience and I seek the appropriate redress for these violations.
Product: Mortgage

After paying the amount requested by the mortgage company every month on either the website or pay by phone, I was told that I did not pay the full amount due and that I needed to make my account whole. I spoke with several customer service agents regarding this, and no one could tell me why I was short on payments. I spoke with a manager who said it seemed that I was approximately {$95.00} short, and that once I paid that my account would be up to date. I paid that amount, but upon next monthly payment I was told I was short again. I spoke with another customer service agent, their manager, and asked to have the next manager in the chain of command call me. They promised I would receive a call with in an hour, one month later, I still have not received that call. I also opened two separate help tickets with their online system. One was never responded to, and the other was closed with no information as to why I am short or how it has been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the year XX/XX/XXXX, I was taking a look at cars through " XXXX XXXX XXXX XXXX XXXX '' and I realized the company ran my credit through financing companies I did not know about or ask for. The only thing I requested was for them to run my credit through XXXX XXXX on XX/XX/XXXX. 

The companies they applied for ( without me knowing ) left me with a lower credit score. Hard inquires will stay on my credit report for about 2 years but I would like the freedom to be able to apply for more credit without deducting too many points from my score. I am very mad that they did that to me without my consent. 

My complaint is that I would like the following Hard inquires removed from my credit report : -XXXX XXXX XXXX, XX/XX/XXXX -TD AUTO FINA , XX/XX/XXXX -XXXX, XX/XX/XXXX - XXXX XXXX, XX/XX/XXXX
Product: Checking or savings account

I opened a Trusit XXXX Checking account online in early XXXX with the offer code XXXX. When I applied I wasn't instantly given an account number or routing number to begin funding an using the account. See attached for what was displayed and note in top left it shows the promo code was applied. After not hearing anything for a few days I called in to get my account and routing info. I was connected with someone and verbally confirmed the promo code was still applied. By XX/XX/XXXX I funded the account with {$50.00} to meet the opening requirements. I then set up my direct deposit from employer and they deposited over {$4000.00} across XXXX deposits on XXXX and XX/XX/XXXX. Meeting terms and conditions of two direct deposits totaling over {$1000.00}. Per terms and conditions it stated the bonus could take up to 4 weeks to post once the direct deposits were met, after 4 weeks and receiving nothing I called to check status on XX/XX/XXXX. I had to speak with a manger for them to understand the promotion, they confirmed with me the promo was applied and I met the terms. That manager opened a ticket to see why the bonus hasn't posted. After not hearing back for XXXX  months I called XX/XX/XXXX and used chat function and now they informed me the code was not applied. I showed the image attached that it was applied and they told me it was not... I attached the terms and conditions as well.
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. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an 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.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : This letter is in response to your recent claim regarding account # XXXX, which you claim I owe {$11000.00}. Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 


Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 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. And also you are reporting an inaccurate address which means i have never received any mail from webber about an alleged debt that i owe them. 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. whats attatched... XXXX complaint your " proof '' Dispute Letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint about Equifax failing to set up a Fraud Alert as follow-up to a Fraud Alert initiated at XXXX. ( Note : I do not have any personal or professional connection to any of the credit bureaus and this is an unbiased complaint. ) I recently became a victim of identity theft and wanted to put Fraud Alerts on my accounts at the 3 major credit bureaus. I understand that the process is supposed to work by contacting 1 of the credit bureaus to set up the Fraud Alert, and then that credit bureau will contact the other 2 to set up Fraud Alerts at the other credit bureaus. XXXX & XXXX handled it well, but Equifax did not. I started with XXXX by logging in to my account online and setting up a Fraud Alert there on XXXX. Subsequently, I was contacted by XXXX to confirm that they had placed a similar Fraud Alert on my account there on XXXX, only 1 day after I contacted XXXX. Unfortunately, I never heard anything from Equifax. Then, 18 days later on XXXX, I logged in to my Equifax account online and saw that they had still not set up a Fraud Alert. So while I was logged into my Equifax account, I set up a Fraud Alert there on XXXX. Subsequently, I was contacted by XXXX and XXXX that they had set up another pair of Fraud Alerts on my accounts only 1 day later on XXXX. 
This is not the first time I've had issues with Equifax. In XXXX, when I set up freezes on my credit reports, the Equifax system had issues and Equifax was extremely slow & often unresponsive before finally freezing my credit report several months later. 
I now have very little trust in Equifax to protect and correctly handle my information and I wish the rule of " three strikes & you're out '' would apply to Equifax : 1 ) XXXX data breach, XXXX XXXX XXXX issues with freezing my credit report, and 3 ) XXXX issues with setting up a Fraud Alert on my account. IF I had a choice, I would never deal with Equifax and I wish other companies would stop working with them. In the meantime, I am informing people I know in the financial industry & others about my bad experiences with Equifax. I also hope that CFPB will provide greater oversight & lead to corrective actions at Equifax.
Product: Mortgage

Hello, My ex and I recently refinanced a home. I was to sign a quit claim deed removing myself from title prior to closing. The loan officer refused to send me a copy of the closing disclosure even though I wasnt removed from title at the time of closing. 

I brought this to the attention of the closing agent, XXXX XXXX XXXX in XXXX, Alabama. The closing agent wouldnt help me and actually let them proceed with the closing without me even signing the quit claim deed. 

I was given a copy of the closing disclosure after my ex insisted that his loan officer, XXXX XXXX at Bancorpsouth, send me a copy. 

I worked in mortgage for years and I know that all parties on title are to receive a copy of the closing disclosure at least three days prior to closing. I am writing to complain because I dont understand how they were allowed to close before I even signed the quit claim deed or received a copy of the disclosure.
Product: Debt collection

This company is breaking the law by failing to provide validation details as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they added a collection to my credit report. This agency is infringing on my consumer rights by using misleading, false, and deceptive tactics. Ive already tried to resolve these issues directly with them, but they have advised me they cant speak to be about this account since none of the information verify to me. They continue to violate my rights. For each violation listed, I am entitled to {$1000.00}. They just either compensate me or remove this fraudulent account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was charged hidden fees from this company Lending Tree XXXX XXXX XXXX XXXX they refused to close my account due to their own wrong business that never opened my request with a processing request that takes over three weeks, I am requesting to ask who owns XXXX XXXX XXXX?
Product: Checking or savings account

I am a client of Bank of America. Bank of America was the first bank that I opened my first accounts in, because I knew that this bank is the most safe and reliable one. So, I opened a Debit and Credit account with them. It was all going great until XX/XX/2023 when I was checking my accounts on my app and I realized that my Checking Account had disappeared completely. I decided to check my Debit Card and it stopped working as well. I was surprised and shocked. 

I will tell you the story that happened to me, which was not my fault whatsoever. On XX/XX/2023 I received an online job offer from a fake employer ( which I realized after I GOT SCAMMED ) from XXXX XXXX. The guy e-mailed me an Employment and AgreemenXXXX Letters which I signed and e-mailed back to him. Then the scammer mailed me a deposit check with {$4700.00} written on it from XXXX XXXX and told me to deposit this check to my account to purchase the necessary equipment and software for my future remote XXXX XXXX XXXX job. I deposited this check to my Bank of America checking account on XX/XX/2023 at XXXX at XXXX XXXX XXXX ATM machine. You can find the photo of the deposit receipt from the ATM machine in the attachment. After I deposited the check into my account I saw that the amount ( {$4700.00} ) was placed on hold for some reason. I thought maybe it would take a few days until the funds become available for me to further go and purchase the equipment and software for my future job. And this scammer actually texted me that it would take a few days until the funds get processed and become available for me. On XX/XX/2023 this scammer texted me that I have to send him $ XXXX for purchasing the software needed for my future remote XXXX XXXX XXXX job. This is when it got suspicious to me and I realized that this person is a FAKE EMPLOYER and that this person is a SCAMMER. I did not send him any money and the amount ( {$4700.00} ) was still on hold on my Bank of America Checking Account. This is when I realized that I BECAME VICTIM OF A SCAM! I had no idea that it would turn out to be like this. After Bank of America shut down my Checking Account WITHOUT even informing me about it or investigating the situation I called the Customer Service Department and explained the whole situation and that I BECAME VICTIM OF A SCAM. The lady told me that my account got shut down because I deposited a counterfeit check. She also told me that my name would be put on XXXX because of this situation. WHY SHOULD BANK OF AMERICA DO THIS TO ME WHEN I BECAME VICTIM OF A SCAM BY SOME FRAUDSTER?! I was absolutely stunned and shocked when Bank of America shut down my Checking Account ( XXXX ) without informing me about it, ( XXXX ) without an investigation and ( XXXX ) in a situation where I WAS THE VICTIM OF A SCAM. THIS SITUATION IS ABSOLUTELY UNFAIR AND UNACCEPTABLE!!! I WILL NO WAY LET MY NAME BE PUT ON SOME XXXX, JUST BECAUSE I BECAME A VICTIM OF A SCAM!!! I have every proof that I BECAME A VICTIM OF A SCAM and you can find all the material in the attachment. 

Thank you for your attention!
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and notice there were some items that do not belong to me. Here are the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This is actually my second time disputing XXXX XXXX XXXXXXXX {$1300.00} this was already taken off my credit report and it has been illegally reinserted back onto my credit report, which is a volitation, please remove. The specific information under dispute is derogatory nature. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ).
Product: Mortgage

as of XX/XX/XXXX I was giving a new payment XXXX which I paid for a whole year no lates XXXX 4.5 % XXXX XXXX XX/XX/XXXX I applied for a forbearance plan due to the covid-19 0utbreak which they canceled and gave me modification of a XXXX which changed XXXX 3.25 % which is no savings at all, how does the payment go up from XXXX XXXX, after I proved to PennyMac i'm exempt of realestate tax and when I purchased this without my real estate exemption my payment was XXXX .And another thing on XXXX XXXX I decided to get me so new homeowners and auto insurance with statefarm and pay the premiums directly they wont change the payment on the loan which in fact im paying my own home policy presently I been trying to get my money back or get a new loan from someone else I believe the have been sabotaging my credit and has cause all my money problems I need to get aways from this company .Please help they are the worst mortgage company I ever delt with they constantly change your payment and charge us a late fees making it so bad you have to refinance for any relief... ..then hold up your process time so you cant refinance out from them ....
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more than 88 times nonstop this is exhausting im depressed they are not putting these fraudulent inquiries in dispute and accounts and they still haven't deleted them either I am depressed. The problem has not been resolved. my fico has me at a credit score over 709 transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 90 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX  from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers they don't help you at all This was a first step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 88 times in the last 120 days. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation with and me and my son are bout to be homeless please help I cant live like this
Product: Debt collection

XX/XX/XXXX I received a copy of my consumer credit report and have noticed that a company by the name of NCB Management Service is attempting to collect a debt that is not owed in the amount of XXXX and which I have not directly given this company permission to obtain any of my personal information ; this is a direct violation of my rights to privacy. According to the privacy act of XXXX, I, the consumer did not give this company any written consent neither an oral agreement which bonds me to this company in regards to this account. Please provide any contractual agreement that validates this debt accurately.
Product: Credit card or prepaid card

My Fidelity credit card was closed because, as Elan claimed, they sent me a letter asking for information and I did not respond. I never received that letter. As a result, they closed my account and forfeited all rewords points. 

I have contacted Elan and they are not willing to re-open the card or re-issue my points. Given that this card was marketed by and named " Fidelity '', I believe Fidelity needs to act on it.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ, XXXX XXXX XXXX XXXX Account Number : XXXX Date open : XX/XX/XXXX Balance : {$48.00} -ChargeOff XXXX XXXX XXXX Account Number : XXXX Date open : XX/XX/XXXX Balance : {$0.00} -Late/Closed XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account Number : XXXX Date open : XXXX XXXX, XXXX Balance : $ XXXX-Collection XXXX XXXX Account Number : XXXX Date open XXXX XX/XX/XXXX Balance : $ XXXXCollection XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account Number : XXXX Date open : XX/XX/XXXX Balance : $ XXXXCollection XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Date open : XX/XX/XXXX Balance : $ XXXXCollection Inquiries included in dispute : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX Negative accounts NOT Included in Dispute : XXXX  XXXX Account Number : XXXX Date open : XXXX XXXX, XXXX Balance : {$330.00} -Late/Open XXXX XXXX XXXX Account Number : XXXX Date open : XXXX XXXX, XXXX Balance : $ XXXXLate/Open XXXX XXXX XXXX XXXX Account Number : XXXX Date open : XX/XX/XXXX Balance : {$65.00} -Late/Open XXXX XXXX XXXX Account Number : XXXX Date open : XX/XX/XXXX Balance : {$590.00} -Late/Open XXXX XXXX Account Number : XXXX Date open : XX/XX/XXXX Balance : {$130.00} -Late/Open XXXX XXXX Account Number : XXXX Date open : XX/XX/XXXX Balance : {$260.00} -Late/Open XXXX Account Number : XXXX Date open : XX/XX/XXXX Balance : {$0.00} -Late/Open
Product: Debt collection

I was injected and forced to take mind altering drugs for a disorder I do not have. I and my wife told doctor Hand this to no avail. This was malpractice with out question. 
The XXXX XXXX XXXX and WAKEFIELD AND ASSOC were notified of this error. Now this is on my credit report WAKEFIELD AND ASSOC # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX ( XXXX ) XXXX Placed for XXXXResponsibility : Individual AccountAccount Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : $ XXXXXXXXDate Updated:XXXXOriginal Amount : {$210.00} Original Creditor : XXXX XXXX XXXX Pay Status : >In Collection< Remarks : Account information disputed by consumer ( FCRA ) ; >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/2026
Product: Student loan

I verbal confirmed a a loan payment with Navient on XX/XX/19 for XX/XX/19. After that I received multiple auto-dialed calls everyday multiple times a day eventhough there were notes on my account specific to a scheduled payment for XX/XX/19. In addition I received multiple auto-dialed calls where I picked up and there was no response from the lender representative but just a hang up. On my XX/XX/19 call I asked Navient to remove me from any auto-dialed calls and put in a complaint for the calls I received where there was no response and a hang up on their end. As promised I made a payment on XX/XX/19 at XXXX XXXX  EST. I received another auto-dialed call on XX/XX/19 at XXXX requesting a payment which was already made. The Navient representatives because of auto-dialer are totally disregarding any previous notes, complaints, or payments that are posted and recorded on my account. This latest representative call again through a auto-dialer without reviewing his notes and told me when he looked that he could see my payment and had no answer as to why he was calling ... he then tried to rush me off after I asked why his company continues to call after I requested to be removed from auto-dialed calls and placed a previous complaint. In addition my consigner whom now lives on the west coast in XXXX XXXX continues to get cell phone calls during EST time, where they receive a XXXX XXXX EST call at XXXX XXXX  PST their local time, which I believe is illegal - especially using auto-dialed. Can someone please assist here? This is blatant harassment and I need someone to step in and find or penalize Navient for their ongoing harassment when trying to collect on my student loan.