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 ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account and information 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 ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the TransUnion shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}, -Late/Closed-Late Dates : XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$460.00}
Product: Credit reporting or other personal consumer reports

I have recently started monitoring my credit and I noticed someone have submitted several credit card application with the intent to obtain fraudulent credit using my personal information. Their is XXXX unauthorized hard inquiries on my report and their are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am anticipating a prompt resolution of removing these fraudulent inquiries on my credit report Thank you
Product: Credit card or prepaid card

RE : Claim # XXXX XXXX XXXXMastercard Trip Delay on XX/XX/2019 The credit card offers a reimbursement of {$300.00} for a trip delay that I experienced at XXXX XXXX XXXX on XX/XX/2019. 
I have submitted all requested documents to the rep, XXXX XXXX, who is being extremely difficult. 
I have forwarded him several notices from XXXX XXXX advising of the trip delay. He continues to request more info every time. XXXX  has called me and told me they can not provide anything more. Furthermore they have never experienced anything like this when such requests came from past customers.
Product: Credit reporting or other personal consumer reports

I purchase car with west lake financial service on XX/XX/year>, i was making payment on time never been late, the car was paid off, they report 30 days late payment on XXXX XXXX i disputed with XXXX XXXX XXXX never resolve. i contact the lender they provide payment history and it shows never was late. they said dispute they cant do nothing i followed instruction but issue never resolve it drop my credit score big time
Product: Debt collection

I financed my XXXX phone and tablet through TD Financing. The XXXX statement reflected a balance due of {$170.00} which included a {$10.00} XXXX XXXX payment. I paid that total on XX/XX/year>. I went online in XX/XX/year>, and setup my XXXX XXXX payment of {$10.00} per month to be paid with my personal credit card. While I paid the total balance due to TD on XX/XX/XXXX, they claimed that I owed an additional {$10.00} for XXXX XXXX. I disputed that charge, and TD sent me correspondence stating the determined I owed the additional {$10.00}. I paid the additional {$10.00}, and as of this date they have charged me {$30.00} in late fees, which I have disputed. I made them aware I'm filing this complaint. When contacted them through their online portal, they would tell me to call their toll free number. Their hold times to speak with someone were longer than 45 minutes which is not reasonable only to get disconnected. After sending them additional messages requesting contact, they again indicated they were reviewing my dispute of the {$30.00} late fees they have charged. I'm waiting their response. I downloaded communications I made online, and I've also downloaded the TD financing statements and transactions, my XXXX XXXX statements, etc. TD Financing has a notification on it's website that it's discontinuing their relationship with XXXX. TD 's business practices are unfair and unreasonable. I will not pay the {$30.00} late fees they have assessed me for a charge of {$10.00} which I have since paid.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Debt collection

AFNI sent a letter claiming that an XXXX account that I closed over two years ago still owed {$130.00}. I called and explained that a couple of months after I closed said account in XX/XX/2019 I received a bill from XXXX for about {$470.00} ( XX/XX/2019, see enclosed print screen ), which I paid in full and have not heard back from them since. I am using the same number as I had when I was an XXXX client and they have never reached out to me until now, this so called AFNI. 

I asked for evidence and the person taking the call didn't have any. This has to be a scam.
Product: Debt collection

This is a second attempt to collect a false debt on the part of my landlord, who is trying to collect illegal rent on a property which does not meet city regulations ( there is no Certificate of Occupancy and there are multiple Class C violations ). After contacting the previous collection agency they dropped their attempt, but NCS refused to countenance the evidence I provided ( including the communications from the previous debt collector ). 
I talked to NCS representatives and was told that my objection was recorded, but then received a letter claiming I had not responded within the initial 30 days. 

Even for a debt collector, NCS is particularly unethical. In participating in this illegal eviction attempt, they are breaking city, state and federal laws.
Product: Credit card

I have opened Capital One venture X Business Credit card in XX/XX/2024. After using the card for just XXXX weeks the card was blocked for no reason and " additional verification '' was requested. I complied with the process and provided my passport, proof of address, statements, etc. The card was unblocked. After working for only a few weeks the card was blocked again for no reason whatsoever. Phone calls to the department of fraud remain unresolved, I was sent for another " verification with the back office ''. This process I was told will take XXXX business days and meanwhile I can not use the card for my business expenses. Overall, my card is spending more time being " blocked '' by the bank than used. After a considerable annual fee I paid for its use this is not acceptable. It is blocking my ability to carry out my business and causes undue stress and time wasted on the phone with agents who are unable to provide any information whatsoever. I politely ask that the company refunds my annual fee for all the inconveniences they are putting me through. I also suspect that they block people to prevent them from using the card to be given a sign up point bonus. The request for spend is very high, {$100000.00}, and by blocking the card constantly they are preventing me from meeting this spending requirement and qualifying for the point bonus they advertise. They are scamming the consumers.
Product: Vehicle loan or lease

My car has been paid off since 2017. I'm in the process of selling it, when I noticed that KIA still is on the registration. I have contacted them numerous times about sending me a title release, and I get excuses that the fax machine is down, etc. I get told that it takes XXXX days to have this faxed to me.This has been ongoing for XXXX weeks now. I have escalated to talking to two supervisors. I call everyday, as I need the release to sell my car. This is costing me a deal if I can not get the title release in time. I am selling my car because they did not honor the warranty after saying they would. Instead, they offered me a " killer deal '' on a new car. I really liked my car and had no plans to sell it, but now I have to look for a new vehicle.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I received a notification about three hard inquiries on my credit report from XXXX the inquiry was from Capital One Auto finance, XXXX XXXX XXXX XXXX XXXX XXXX I do not recall authorising these companies to access my credit report. I was looking at cars only thing I remember was inquiring about the vehicle I never a loan or anything for the car as I didnt have interest in it. It has negatively affected my score and I would like for it to get fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for bankruptcy in XX/XX/2009. I have endured the penalties of a low FICO score for the past 10 years, including high interest rates, high insurance rates and impacts to employment. I was looking forward to having the bankruptcy finally removed from my credit report and having a high score and low interest rates, but my score has barely moved since the bankruptcy dropped off my credit report. Today, according to Transunion my score is XXXX. 

According to XXXX the primary reasons are the amounts of loans. My loans total {$140000.00}, but {$110000.00} is from student loans. Of the {$140000.00}, {$8000.00} is due to revolving credit and {$15000.00} is from regular loans, such as a car loan. It should be noted that I have several credit cards with no or very low balances, which do not play into the picture. 

My student loans are under a XXXX repayment program and I pay {$120.00} per month. 

Over the past 10 years there are only 2 accounts showing a 30 days past due, which were caused by the a debt consolidation loan and the bank failing to get the payment to them in time. And those were from 2 years ago. 

Therefore, the primary reason my score is XXXX is because of my student loans. As I mentioned earlier, there was no positive movement after the bankruptcy and/or after other creditors dropped off my credit report. Only negative movement as Transunion is still penalizing me for my bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights as a consumer.

15 U.S.C 1681 section 602 A. states i have the right to privacy. - XXXX XXXX XXXX has sent physical correspondents regarding an owed debt. 3rd party 's viewed these documents.

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.
Product: Mortgage

Bank of America has been accepting payments over the phone for the last 10 years. There is a bankruptcy involved as well. Now they are refusing to take payments over the phone and will NOT answer their phone ( s ) so that I may inquire more information as to how to pay my monthly mortgage payments. Bank of America is aware that there is a bankruptcy involved and are using their PREDATORY LENDING PRACTICES again in order to take our home away. They do this on a regular basis especially when the equity gets higher, etc. Please help us not loose our home. My daughter ( XXXX XXXX XXXX ) was a  XXXX Veteran and purchased the home with a VA Loan before she passed away. Thank you.
Product: Debt collection

I was informed by XXXXXXXX XXXX that I owed a debt of {$4300.00} to a third party debt collector. And I was totally confused because the company was under national credit system. I did try to dispute this matter twice! Now XXXX wont let me dispute it and because the original creditor violated THE FCRA -15usc6802 and now they are trying to take away my own right to dispute and actually help me! These people want me to claim fraud so bad, and this isnt fraud! Its abuse, and a legit threat of and to my livelihood.
Product: Credit reporting

XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Equifax XXXX XXXX XXXX, GA XXXX XXXX Account Number Num : Balance {$590.00} Sir or Madam, I am writing in regards account XXXX XXXX XXXX on my credit report. I have filed a complain to the CFPB, that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

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

XXXX & XXXX at address ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) has been sending me collection notices in the amount of ( {$300.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. 

I would like the bureau to delete this account off my credit report and do not try to put it back on my credit report. 

In accordance with the Fair Credit Reporting Act, XXXX  Account ( that goes by ) : XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

Every day a ZFN and Associates call my previous work number demanding to speak with me regarding a legal matter. They call from a local number XXXX XXXX XXXX even though they are based out of florida. They do not speak with me and disclose info to an employee at my previous employer
Product: Debt collection

XXXX case # XXXX and XXXX Attorney General of Texas. Under 15US Code 1681 ( A ) and 15 US code 1681 ( I ) ( 5 ) this account is vialation not reporting 100 % accurate is list the child support court as the funnisher thats forgeny and mis leading when the court dont report this type of account. Under 15 US Code 1681 ( b ) permissible puposes of consumer reports. I never gave you any written consent to report anything on my consumer report no consent is idenity theft.
Product: Checking or savings account

I have a checking account with Regions bank. My debit card information was compromised. This occurred on XX/XX/XXXX. Charges at various stores with my information were made, totaling in excess of {$1800.00}. I contacted the bank on XX/XX/XXXX, the earliest I was able to do so. They told me they would conduct an investigation and consult with me during its progress. Today, XX/XX/XXXX, I contacted the bank to see what progress was being made. They have already denied some of the claims, and did so without consulting me or asking me further questions. For example, they denied me my claim of a fraudulent charge of approximately {$220.00} at a XXXX XXXX XXXX. I have no kids. I have never been inside of a XXXX XXXX XXXX. There are other charges, such as over {$500.00} at a XXXX, a make-up store, as well as at a XXXX. I have never been to an XXXX. What's more, my workplace can show via video and time cards and the witness of my co-workers that I was working on XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

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: Credit card

I HAD NO NOTIFCATION OF ANY LATE PAYMENT.I 'M UNAWARE OF ANY LATE OR DILINQUENT PAYMENTS ON THAT ACCOUNT. I DIDN'T HAVE ANY OPPORTUNITY TO DISPUTE THIS INFORMATION.IF IN FACT I WOULD LIKE TO SEE ANY PROPER NOTIFICATION OR CERTIFIED RECORD WITH MY NAME REGARDING THIS FALSE REPORT. MY RIGHTS HAVE BEEN VIOLATED AND I NEED THIS TO BE REMOVED FROM ANY AND ALL CREDIT REPORTS ASAP. THANK YOU
Product: Debt collection

I received various notices from Portfolio Recovery Associates LLC. They are on my credit report twice and I have asked for debt validation and the removal from my credit report in the past.. I ask that portfolio recovery not send me a statement of the debt but an original copy of the contract and my signature. This company has been notorious for being on my credit report for more than 7 years. And I have disputed withall three credit bureaus, many times and each time they come back and state that this is my debt based without even verifying it. I need more than a statement from Portfolio Recovery and I need to see my original signature on any debt that they are attempting to collect. I would like a 1099 form to show where the original creditor wrote the debt off in my name or on my behalf. Show me proof where of your validity in collecting this debt. I ask that you remove all collections from my report. I ask that all proof be sent to me. In one of the letters I received it states that " the law limits how long you can be sued on a debt. and due to age they can not sue and that they will not report it to any credit reporting agency. the notice is required by law. '' Then tell me why Portfolio recovery is on all three of my credit reports? Please get off my credit reports immiediately