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 violated 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 cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/19 received a form letter from Equifax repeating the script that i need to send in additional documents ( drivers license, social security card ) plus lots of personal identification information ( name, current and former addresses, date of birth ) to find out if i have an existing freeze on my Equifax credit account. 

I SHOULD NOT HAVE TO SEND THEM THIS INFORMATION TO FIND OUT IF I HAVE A CREDIT FREEZE IN PLACE. 

I have repeatedly tried to call them to resolve this. I have repeatedly tried to get access via online access. All attempts cause you to enter lots of information and then just end up saying they need more information and i have to mail in my personal information before they will provide any information. 

These is something very wrong in the way Equifax is operating. 

I would appreciate anything your department could do to get me through this obastacle. 
Sending my complaint to Equifax only ends up with the exact same result : a letter saying i need to send in my personal information. Information they most assuredly already have as I have had information there for decades!!!!! 

I ( and the public ) need more than a pass the buck response from your organization to get Equifax to provide the service the public needs to protect their personal information and to identify where they stand at Equifax, considering the role Equifax plays in the financial environment. Passing the buck back to the individual to mail sensitive personal information through the mail is unacceptable and improper way to serve the individual. 

I am extremely concerned that the other 2 credit bureaus have my info and i can access it. I am concerned that Equifax suddenly can't provide me with this information, especially after their identity info breach. I am concerned they say they can't identify me when i provide sufficient personal info ( online and on the phone ) and then say i have send sensitive personal info thru the mail to them. I am concerned about just why they can't identify me and just what info they may have on file that is causing this problem. i should not have to mail them personal information to resolve this!!!!! 

If your organization can't help fix this type of thing, I'd appreciate it if you would please advise who else in the government might be able to fix this mess! Equifax caused the problem in the first place and making it even more difficult to secure my information is definitely not helpful in resolve their mess! They need to be held more accountable for assisting the public, especially after the mess they have caused for us. 

Please help!
Product: Money transfer, virtual currency, or money service

I'm 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 for these violations.
Product: Debt collection

Second Request : I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
Product: Credit reporting, credit repair services, 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. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX Destiny # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX  XXXX # XXXX, and # XXXX, Account name : XXXX XXXX XXXX # XXXX Account name : XXXX Outsourcing # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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, credit repair services, or other personal consumer reports

XXXX XXXX performed a hard inquire without my permission or my knowledge. Please either provide evidence of my written or oral approval or please remove as this unauthorized hard inquiry has negatively impacted my overall credit standing and score As you are aware : " Hard inquiries ( also known as hard pulls ) generally occur when a financial institution, such as a lender or credit card issuer, checks your credit when making a lending decision. They commonly take place when you apply for a mortgage, loan or credit card, and you typically have to authorize them. ''
Product: Checking or savings account

In felony retaliation for me filing a previous complaint with the Bureau for mishandling a violent fraud incident, Chase is now maliciously withholding a government deposit - as if they think that the federal government will now default on its checks. Clearly, the only customers that JPMorgan honors money from is if youre a XXXX - as long as you have a last name ending in XXXX. JPMorgan needs to quit stealing money from the working poor to fund covering up their part in XXXX XXXX by XXXX XXXX.
Product: Credit reporting, credit repair services, 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, XXXXXXXX  : XXXX XXXX XXXX XXXX XXXX : XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX  to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This item in my credit file are from unauthorized use of my social security number and my personal information. I am not aware and did not authorize these accounts to be taken out in my name. I'm upset and depressed after dealing with my identity being stolen and need this to be corrected so I can use my own credit. This account does not belong to me. 

XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I received a credit inquiry from my XXXX credit report. The inquiry was from XXXX XXXX, which I have never applied for before. Apparently, who ever stole my identity used a different address based off XXXX XXXX. I have never lived in XXXX XXXX I am from XXXX Florida. I have contacted the credit Bureau and they have disputed the inquiry, address and phone number from my credit report. They have also placed a credit alert on my account, which will notify me of any new inquiries.
Product: Student loan

After being in deferment for quite awhile, because of trying to pay off my wife 's student loans, I have started the process of trying to stay up on payments to Navient. I was on the Income Based Repayment plan and at one point was paying XXXX when they were still XXXX. Since transferring over to Navient I went into deferment again, for a year. I am currently trying to get back on a payment plan but my IBR payment is an unmanageable XXXX+ dollars. I then had to search for a another payment plan ( which seemed very difficult to find ) called the Income sensitive plan. I submitted paperwork that they seemed to drop the ball on and when I called later about the paperwork, they quickly told me that if I made any kind of a payment that day then I would automatically be enrolled in the ISB plan. I gave my information over the phone and seemed to get disconnected. They never called back and never took out the money. There was no phone call back and as a result I kept getting notices about my late payments under the XXXX+ IBR plan. I called them back to see what had happened ( about a week and a half later ) and they could n't remember my paperwork until I told them the dates it was submitted. They then told me that the person I spoke to who told me to pay any amount of money so I could get in was mistaken and that I would have to make a full payment of my original loan payment amount ( which is XXXX+ ) dollars and that I would automatically be enrolled in the ISB repayment plan that day. I told them that I could n't make the payment that day and would try to get that money together. If I ca n't make a XXXX+ payment then I know I ca n't make a XXXX+ payment without severely crippling my monthly income. I have XXXX daughters ( XXXX in college ) and it just seems that there can be something else done that 's easier and does n't require a huge down payment. It was n't that difficult to get into a payment plan before.
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. I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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, credit repair services, or other personal consumer reports

Please see attachments detailing right to privacy violations and inaccurate reporting 15 U.S.C 1681 section A. States I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Several inaccuracies in reporting as per FRCA guidelines I have done my own investigation and have researched numerous legal cases in which other consumers were victims of the same things that I am now experiencing, and the courts have ruled each and every time that the credit reporting agency could not merely parrot information from the creditors and/or collection agencies.
Product: Debt collection

I sold a vehicle in XX/XX/XXXX and reported the sale on the Oregon DMV website. Nearly five years later ( XX/XX/XXXX ), the vehicle had never been registered or titled by the new owner. The car was towed and I received a letter from XXXX  ( XXXX bureau of transportation )  stating that a vehicle registered in my name was towed by XXXX XXXX. XXXX XXXX   started a lien, who also later sent me a letter saying the vehicle would be auctioned to pay the debt. I ultimately received a notice from a debt collector ( XXXX XXXX ) with a {$870.00} bill. I called them and notified them that I was no longer the owner and that I reported the sale. I went to the oregon DMV and requested the record. The record did not include the buyers address, which is not a required field to report a vehicle sale ( see attachment ). XXXX XXXX has this record, which also includes the buyers name. The record includes the fact that I did report the sale in XX/XX/XXXX such as to release my interest in the vehicle ( XXXX XXXX XXXXXXXX ). XXXX XXXX  refuses to accept this DMV record because It does not include the address of the buyer. I do not believe they are just in continuing send me bills/phone calls for this debt.
Product: Credit card

When reserving XXXX rooms at the XXXX XXXX XXXX hotel, a XXXX partner property, the credit card in my XXXX profile was charged the full price of the first night 's stay for each room ( {$450.00} x XXXX ). At no time during the reservation process was I notified that the credit card in my XXXX profile would be charged and at no time did I give consent for my credit card to be charged. Charging my credit card without my consent is a deceptive business practice and it violates the card organization rules. To make matters worse, there are XXXX credit cards in my XXXX profile, a corporate card and a personal card. The reservations were for personal travel, yet the XXXX charged the corporate card in my XXXX profile, which has caused hours of lost time to explain and resolve within my corporate expenses reimbursement system.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXXXXXX XXXX  Date XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Date XXXX Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX,
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you XXXX have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Credit card keeps declining called spoke to manager and informed her I spoke with support for the company that declined she immediately got defensive and was like I didnt hear u contact anyone from my side I informed her that XXXX XXXX support was via messages she then went on to say that I must be calling her a lier for telling her my account has a problem and Ive had problems were it support had to be contacted can I just be transferred there and because she cant see a problem she assumed and stated that I was calling her a lier the whole call was defensive and no problem was solved not even any of the suggestions she attempted to do she seemed to be more focused on not being a lier and my card is still declining everywhere I am getting the decline message and if yall are not seeing it even after having me reinstall the app then clearly its a it support problem not XXXX for u to be defensive about
Product: Checking or savings account

In my Online Banking there is an ebills section where I get pre-selected electronic bills from approved  merchants.. All of them ha ve a due date, just like any bill would have ... except for  XXXX  ...       XXXX   has established this auto pay without my permission &amp; furthermore, there is not specified date to know when it will be debited to secure fund for that money grab of my account.     There has been  2  separate attempts by BOA/ XXXX  to deduct the owned balance which resulted in Over draft fees, which should have been eliminated the last CFPB complaint agains t BOA..      This is a MAJOR issue of overdraft fees t hat BOA is gaining d ue to unscrupulous practices.
Product: Checking or savings account

I was a victim of a fraudulent attack on my Wells Fargo savings account, where the scammer did the following : On XX/XX/2023 an unknown individual ( s ) fraudulently accessed my Wells Fargo bank accounts and unbeknownst to me, added an extra phone number to my profile. On the same date my email account was inexplicably flooded with thousands of emails from many different websites purporting to confirm that I had just subscribed to their news letters. To address this spamming email issue, I immediately began deleting emails at the rate of as many as 1000 emails per hour. I discussed this event with friends and family and no one suggested that I check my bank account. 

On XX/XX/2023 some unknown individual ( s ) apparently logged into my account and ordered a wire transfer from my savings account in the amount of {$3600.00}. I do not know where or to whom this fraudulent wire was sent. After the wire was issued, Wells Fargo sent an email to my email account while I was away from my computer notifying me about the wire transfer. As soon as I saw that email, about 50 minutes after it was sent, I Immediately called the bank to alert them to the fraudulent transaction. The bank said they would make an effort to retrieve the funds which had been fraudulently transferred. The fraudulently wired funds were not retrieved by the bank nor did the bank provide the account number that the funds were transferred to nor dispute that it was a fraudulent transfer. 

Upon further research of my records, I discovered that the XXXX email coming from my bank, notifying me that an extra phone number had been added to my account, was buried in that massive spamming subscription email attack of XX/XX/2023. It was clear that the spamming attack was designed to conceal the notification email. I did file a police report with the local police department. 

The bank never texted to my primary phone number, the phone number that I personally set into my profile, any of the notifications that could allow me to prevent this theft. 

The bank should have confirmed to my primary phone that a new phone number was attempting to be added. 

Wells Fargo does not dispute that the wire was fraudulent nor has it provided any evidence that it was authorized by me.
Product: Debt collection

I had an emergency situation and incurred a medical debt to a hospital in Oregon. I made payements directly to them for months and paid the debt off XXXX/XXXX/XXXX. At some point a debt collection company came into the picture months after my agreement with the hospital. Now that everything is paid off The debt collectors are holding my credit report hostage for {$35.00} of interest they say I owe them, not the hospital.
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Debt collection

Company claimed to have served me at my home. They lied i was in county XXXX  from XX/XX/XXXX. Through XX/XX/XXXX. They claimed to served me at home XX/XX/XXXX. This is fraud. They even submitted fraud documents through courts. My wife has never heard any contact from this company either. You can confirm i was in jail in XXXX county Florida at XXXX please help to send me lawyer that specializes in illegal collection 's. I will still file on my own if needed. I've sent demand letter to Jefferson capital systems llc and have copy for courts please help.