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

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent an address fraud on their platform, leaving my XXXX XXXX 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 redress for these violations.
Product: Checking or savings account

In 2023 I opened an account with Navy Federal credit Union I had the account for months with no issue until I had a payment process without sufficient funds in the account, I called to have the payment stopped but was told it could not be stopped and I had to get the money in the account. I explained I lost my job and did not have the XXXX $ to pay it back and with fees and penalties the final amount I owed before they closed my account was over XXXX $ I have tried to get this charged off but it is now effecting my credit score
Product: Credit reporting or other personal consumer reports

I Sent my letter off on ( date ). I requested that the credit agencies to " investigate this information thoroughly '' on the accounts I have listed below. 
Also I have attached the letter I sent out and here is the According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account ( s ) was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurately .According to the FRCA 15 USC 1681 everything has to be 100 % Accurate. Ive marked the inaccuracies with my included credit report.
Product: Money transfer, virtual currency, or money service

I sent 2 payments to my parents in XXXX in XXXX and they held my transactions asking for more information of which they needed the money urgently and I then cancelled the transactions and used another provider. World remit confirmed cancellation of my transactions and said a refund would be issued! 

Its been over 2 months and I still do not have my refund. My bank statement is showing that they took the amount but they are arguing that they never took the funds when I have proof from my account that the money was debited to them. I have called twice already but still my issue has not been resolved.
Product: Money transfer, virtual currency, or money service

I have a boat loan with Bank of the West. I sold the boat, I verified with Bank of the West the wire transfer process on XX/XX/22. The buyer wired money on XX/XX/22 from XXXXXXXX XXXX  in Tennessee, I have the wire transfer receipt from that. On XX/XX/22 I called Bank of the West to verify why the money had not shown up, I was told it could take a couple days. On XX/XX/22, the money has still not shown up, I called and was told it would be processed by XX/XX/22. As of today, the money is still " missing '' and I can not get anyone at Bank of the West to help. I have spend over an hour on the phone, Ive provided the required information on several occasions and can not make progress. The interest on the loan amounts to about $ XXXX so they are also slowly charging me more and more money due to them not paying off my loan AND sending me the money above what I owe.
Product: Credit card

i was a victim of a lost credit card that was used in another country and when the charge went through it was associated with a phony address i have never been associated with. Lost my passport in which was reported to proper authorities and proof of loss reported given to discover along with valid dr notes to prove i was XXXX when fraud happened, Discover called dr offices to confirm my appointments but under the HIPA LAW THE doctors or nurses are not allowed to give personal info on where and what therapy i have had but my legal note were good enough for them they had me guilty before i could prove my innocence and would n't put me on a three way call with my dr to confirm i was at the dr when the fraud took place and accused me of tampering with the dr notes. I also had proof i reported my passport lost they did n't care less i want proof of the debt and want to see the credit card slips with my signature on them. Also i was screamed at by XXXX managers of the fraud dept and was called right out liar i will not be spoken to in this manner. I BEGGED THEM TO RESEARCH IT MORE AND BEGGED THEM TO CALL DR PUT US ON THREE WAY CALL SO I CAN GIVE PERMISSION WITH HIPA LAW LET THEM RELEASE INFO TO DISCOVER THE DR OFFICE THAT IS. DISCOVER BROKE THE LAW CALLING MY DOCTORS AND REQUEST PRIVATE PATIENT INFO ITS AGAINST THE LAW
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 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 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, credit repair services, or other personal consumer reports

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

on XX/XX/24 I submitted a complaint that no permission was given to report the following accounts on my credit report ( complaint # XXXX ) I even provided written documentation that the companies were notified and notified your agency with copies of documentation and you still violated my rights under FCRA and allowed inaccurate information to be reported and allowed my personal information to be trafficked without my written consent, and After being notified in writing you violated sections 616 and 617 willful and negligent non-compliance I further state once again : ** this a direct violation of my instructions - 15 U.S.C. 1681, Section 604a, Section 2 ** this a direct violation of my privacy - 15 U.S.C. 1681, Section 602 *** you have allowed credit card companies to report late payments in violation of - 15 U.S.C. 1666b I DID NOT AND DO NOT GIVE MY PERMISION FOR THE FOLLOWING ACCOUNTS TO BE REPORTED **** and I Further state that I owe no Debt : ( See Attached Documents ) The following accounts are in violation : and have no permission to report and no debt exists. 
XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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
Product: Money transfer, virtual currency, or money service

Both my wife and I have a cryptocurrency wallet in the company XXXX. In both cases, we process withdrawals, requesting and transferring the funds to our respective accounts. The money has never arrived. We have made several claims and they only give us the answer that they are investigating the amounts. XXXX dollars for mine and XXXX dollars for my wife, the company does not give any answer and they only answer that they are investigating
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts listed below 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 Accounts in violation of my rights are listed as follows : XXXX XXXX XXXX  Acct # XXXX, DEPT OF EDUCATION/XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX XXXX XXXX Credit Card Acct XXXX XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, DEPT OF EDUCATION/XXXX Educational Acct # XXXX, DEPT OF EDUCATIONXXXX Educational Acct # XXXX, XXXX XXXX Educational Acct # XXXX XXXX DEPT OF EDUCATION/XXXX Educational Acct # XXXX, DEPT OF EDUCATION/XXXX Educational Acct # XXXX, XXXX XXXX Educational Acct # XXXX, XXXX XXXX Educational Acct # XXXX, XXXX XXXX Educational Acct # XXXX, XXXX XXXX Educational Acct # XXXX, XXXX XXXX Educational Acct # XXXX, XXXX XXXX Educational Acct # XXXX, XXXX XXXX Educational Acct # XXXX, XXXX XXXX XXXX Credit Card Acct # XXXXXXXX DEPT OF EDUCATION/XXXX Educational Acct # XXXX, DEPT OF EDUCATION/XXXX Educational Acct # XXXX, XXXX XXXX XXXX  Date : XX/XX/XXXX, XXXX XXXX Educational Acct # XXXX, XXXX XXXX XXXX  XXXX  Acct # XXXX, XXXX XXXX XXXX  XXXX  Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX Date : XXXX XXXX, XXXX, XXXXXXXX XXXX Date : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX, XXXX XXXX XXXX  Date : XX/XX/XXXX, XXXX account Acct # XXXX XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX Acct XXXX XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Educational Acct XXXX XXXX, XXXX Educational Acct # XXXX, XXXX Educational Acct # XXXX, XXXX Educational Acct # XXXX, XXXX Educational Acct # XXXX, XXXX Educational Acct # XXXX, XXXX Educational Acct # XXXX, XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX, XXXX XXXX XXXX Date : XX/XX/XXXX, XXXX Date : XX/XX/XXXX XXXX
Product: Credit reporting

I received my credit report from Equifax and it contained one public record which I have disputed and it came back satisfied and released. I have spoken to the clerk of both courts and have been told they do n't report nor provide any information to credit reporting agencies including Equifax. Moreover, court records do not list Social security numbers. I would like to know how Equifax verified this account and updated the status to satisfied and released. My SSN and the SSN listed in the courts do not match. So how does Equifax tie this account to me ( MY NAME ). My Social security number does not match what is in the court records. If the court records do n't match my records Equifax needs to have documentation that matches my exact XXXX digit SSN, if it does not Equifax must DELETE this account from my credit profile..
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon pulling my consumer financial report I discover that there is information that is deemed to be fraudulently reporting from this company. On XX/XX/2021 I sent certified mailing informing them of these fraudulent actions. I have discovered that this debt collector Pursuant to 15 USC 1692 ( a ) have violated my privacy completely. I did not provide this debt collector with direct consent that they could contact me via mail or any other communication which is required pursuant to 15 USC 1692c ( a ). When looking at the amount owed on my consumer credit report pursuant to 15 USC 1692e ( 2 ) ( a ) the character and the amount is misleading to the amount, reporting on my report is of a positive balance which is a misrepresentation. This company also seems to have committed identity theft due to myself never doing business with them about this matter and purchasing my information concerning me as a consumer in order to collect on a debt pursuant to 15 USC 1692e ( 10 ). I did not provide this debt collector with direct consent that they could contact me via mail or any other communication which is required pursuant to 15 USC 1692c ( a ). I notice that this company showing on my consumer report as a charge off which is also a violation pursuant to 15 USC 1692e ( 12 ) and has damaged my reputation and have also hindered me to obtain certain jobs due to being present on my consumer report. I have attached documentation that I have sent to this company concerning this matter.
Product: Debt collection

I received an electronic alert that a debt collection had been included on my credit report which negatively impacted my credit score. My credit is locked due to ongoing identity threat incidents. 
The company is Consumer Adjustment Co XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX in the amount of {$3200.00} I have no knowledge of this company nor do I have any outstanding debt in collections. I have received no other written or electronic communication about this until it appeared on my credit report
Product: Mortgage

RE : Divorce index XXXX, XXXX, XXXX Referee XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX, XXXX XXXX. 
New York Supreme Court. XXXX. 

Marital property address : XXXX XXXX XXXX, XXXX, MA, XXXX Mortgage holder ss # is XXXX. 

The account number with community loan servicing was XXXX Monthly payment = XXXX aaccording to XXXX XXXX on XX/XX/XXXX. 
unpaid principal was XXXX, as of XX/XX/XXXX. 

XXXX not on the note and am not on the mortgage, according to XXXX XXXX on XX/XX/XXXX. spoke with XXXX XXXX on that date. 
The loan sale was " up to the investor, a private company, XXXXXXXX XXXX XXXX', according to XXXX XXXX. they could not give me the information, since I was not on the mortgage. 
I am on deed and title of the house above. 

The note holder ( XXXX XXXX ) signed a retainer agreement with attorney XXXX XXXX, who benefits from the sale of the property. There is also a second mortgage and my signature XXXX have been forged. 

I have tried to pay US Bank the monthly payments, and the funds were returned by US Bank to the note holder, XXXX XXXX, after they deposited my funds. 
XXXX XXXX has not provided an explanation for this. 
They will not sell me the loan. They'll only " trade a massive portfolio of thousands of loans to a bank '', I was told by XXXX XXXX. I was told that they would give me the contact information. XXXX XXXX XXXX XXXX XXXX was a contact, they stated. 

XXXX XXXX has XXXX the foreclosure process. as of XX/XX/XXXX. 
US Bank has refused to speak with me since commencement in XXXX and has charge me and the note holder fees. 

US Bank claims that I am not on the mortgage. 

The foreclosure is now XXXX land court, for those in the military. Once the deadline passes, they can start the state part of the foreclosure- they will have to give XXXX weeks notice. 

My name will be published in business west, even though I am not on the note. This will destroy my career and my ability to earn a living. This is defamantion and extortion. 

Attorney XXXX XXXX of XXXX made misstatements in court under oath about the downpayment on the home above. Attorney XXXX stated that XXXX XXXX had made the downpayment on the home, which is not correct. 

I would like to own the paper and start charging default interest and penalties and impact XXXX XXXX 's equity.
Product: Student loan

I have tried requesting my cosigner to be released multiple times with no success. XXXX. I do n't want this to XXXX her in her last days nor do I want my loan to default at the time of.hwr death and to overshadow my mourning of her. Please help me I want to pay my loans monthly but I do n't want her to fear the loss of.her social security due to me being late on payments when/if that happens. I 'm begging for any help you can provide. My credit is horrible by the way so refinancing is really not an option
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries on my report are unauthorized. In accordance with the fair credit Reporting Act XXXX Account, 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been sending written request to dispute several items on my report but my request has been ignored. The unverified items listed below still remain on my Credit Report in violation of Federal Law. They failed to comply with FCRA, 15 USC Sections 1681i within the time granted by law and kept on reporting the unconfirmed information which now, given all my attempts to address it directly with the creditor, as obstinate neglect and nonfulfillment with federal statutes. 

XXXX XXXX/ XXXX XX/XX/XXXX, XXXX {$2000.00} XXXX XXXX/ XXXX /XX/XX/XXXX/ {$0.00} XXXX/XXXX/ XXXX /XX/XX/XXXX / {$0.00} XXXX/XXXX  XXXX /XX/XX/XXXX / {$3100.00} XXXX/XXXX/ XXXX /XX/XX/XXXX / {$7200.00} XXXX/XXXX  XXXX /XX/XX/XXXX/ {$0.00} XXXX XXXX XXXX /XX/XX/XXXX/ {$2600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting this CFPB Complaint requesting to the Credit reporting Agencies to please remove the disputed accounts from my Credit File. I am submitting this CFPB complaint in response to the Credit Bureaus ' current evaluation. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining accounts to fix. Here is the list of accounts and information that should be removed from my Credit File : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$30.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} XXXX XXXX XXXXXXXX Balance Owed : {$310.00} XXXX XXXX XXXX Owed : {$9600.00} XXXX XXXXXXXX Balance Owed : {$10000.00} XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 and XX/XX/2020, I mailed a letter to this company, asking for full validation of the debt they are trying to collect from me and reporting on my credit report. Since I have no contract with this company, Im entitled to know the specifics of this debt. I advised them of their requirement by law to provide this information to me per the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) I asked for the following items. It is imperative that collection companies be required to follow the law, as anyone could send me letters and say I owe them, without any proof. To date, this collection company has not responded to either of my letters, by providing the required proof. Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful.
Product: Vehicle loan or lease

Dear Consumer Financial Protection Bureau, I am writing to request a XXXX form from GM Financial XXXX I have recently discovered that GM Financial has reported a charged-off account on my credit report. 

As a consumer, I believe I am entitled to a copy of the XXXX form associated with this account. This form provides crucial information regarding the debt, including the amount forgiven and the tax implications. 

I have attempted to contact GM Financial directly to request this form, but I have been unable to resolve the issue. I would appreciate your intervention in this matter. 

Thank you for your time and attention to this request. 

Sincerely, XXXX XXXX
Product: Debt collection

Ive been fighting Truist bank for 4 years now. I have submitted 2 complaints thru CFPB you guys have done nothing! Truist will respond and you guys close the file without investigating anything.

We do not and have not gotten a loan from Trusit bank. There are not even any Truist banks in California ( which is where we were living at the time it opened ). We had other fraud charges which have since been investigated and removed. Truist called us and began asking for our SNN, DOB and bank account numbers. Why would I give them this personal info, especially over the phone, with no verification and when theyve already given the wrong people access to something in our name? I have had to call and fight to get a copy of the contract ( they didnt want to send the first XXXX ) the signatures do not belong to me or my husband. They dont have copies of our IDs or anything else. They will not work with us or remove these false reports and the negatively report on our credit every 3 days damaging our credit and ruining our business.