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

Urgent Complaint Regarding Cash App/Block, Inc. Payment Network and Bank 's Failure to Safeguard Consumer Information To Whom It May Concern, I am filing this complaint against Cash App ( Block , Inc. ) due to inadequate customer service, unfair practices, and failure to comply with key consumer protection laws, including the Consumer Financial Protection Act ( CFPA ) and the Electronic Fund Transfer Act ( EFTA ) under Regulation E. These failures have caused me significant financial harm, inconvenience, and emotional distress. 

Issues Encountered : XXXX. Recurring Fraudulent Activity and Insufficient Response : Over the years, I have had to contact Cash App on several occasions due to repeated instances of fraudulent activity on my account. Despite reporting these issues, Cash App 's responses were inadequate. While they issued a new debit card in one instance, they failed to implement any meaningful safeguards to protect my account or prevent future fraud. This lack of timely and effective measures has left my account vulnerable and unprotected. 


XXXX. Unfair and Deceptive Dispute Resolution Practices : Cash Apps dispute resolution process has been both unfair and deceptive. Despite providing all required evidence to support my claims, my disputes regarding unauthorized transactions were either denied or ignored, violating the error resolution requirements under the EFTA. 


XXXX. Inadequate Safeguards for Personal Information : Over the past four years, I have received multiple alerts from monitoring services indicating that my personal information, including data associated with my account, has been exposed on the dark web. This exposure has coincided with an increase in spam communications, unauthorized credit inquiries, and potential identity theft. The lack of sufficient safeguards by Cash App has exacerbated these issues and placed me at ongoing risk.
Product: Mortgage

I was told by Freedom Mortgage when I received my XXXX advance check in XX/XX/XXXX that as long as the checks are under XXXX they will endorse and send the check back out. I also informed Freedom Mortgage that I am the homeowner XXXX and will be XXXX along with my fianc and uncle to help. I received the remaining balance for repairs of XXXX a few days ago and sent it to them and now I am told I need a contractor for them to release funds. I have contracts that I have signed for my windows and fireplace that needs to be paid with the remaining and that is only the beginning. I am not in my home its been 4 months since the flood and I am not making enough progress there is mold on the outside of the exterior that needs to be repaired and I am now told I need a contractor after some of the work has been completed by my family and I. To top it off one of the representative left me on hold and ended the call. My family and I have suffered enough and are still currently displaced. I am also required to continue making monthly payments to Freedom Mortgage and my HOA. My HOA is also guaranteed a portion of this money to complete exterior repairs. Another representative told me they have to make sure the repairs are right however my home has passed framing inspection and electrical. My final inspection will be put on hold if this money is not released because I can not afford to pay out of pocket to fix my home. I am very upset that I was told I will be reimbursed by sending in receipts after I have to pay with my own money. I am already paying to live in a temporary home and my current home is not able to be occupied until the final inspection.
Product: Debt collection

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, 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

In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDEPT OF ED XXXX XXXXDEPT OF ED XXXX XXXXDEPT OF ED XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A states I have a right to privacy .

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

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which pre dates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states 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

I took the time to print out my consumer report and when I did there was a series of inaccuracies I went ahead and typed and printed out the letter which stated laws and why these inaccurate accounts should be deleted. I sent the letter out to Experian with document such license, tax information, and a bill.
Product: Debt collection

This Company calls repeatedly, every hour or so, on Sunday 's and very aggressive. I advised debt collector to not call me anymore because she knew what she was doing was not correct, she was calling constantly - 4 times already in a day, call after call and on a Sunday.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN & XXXX Violated the United States Code Law There Should be no late payments if a finance charge was involved. Finance charge is the sum of all charges so theres no late payments.
Product: Credit reporting or other personal consumer reports

I am sending to address the adverse marks on my credit file that have been attributed to me. While I would willingly acknowledge and assume responsibility for any valid debts, I am unable to do so in this case without Proper Validation and Proof Of Claim. As per the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting comprehensive validation of the alleged debt.

I seek evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : Complete payment history, as per the precedent set by XXXX v XXXX, XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX. Provide a detailed verification by line item, including information on the purchase date, itemized amounts, receipt of goods, and any relevant details directly from the Original Creditor. 
Date of Last Activity. 
Full, accurate social security number that may help to identify me as the correct person you are trying to collect from. 
Agreement that bears the signature of the alleged debtor, indicating the commitment to pay the original creditor. 
The obligation between your company XXXX XXXX XXXX XXXX, RADIUS GLOBAL SOLUTION and me that authorizes the collection of the alleged debt, along with any transactions binding me to an agreement to pay your company. 

Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) presented at the time of incurring the debt. 
Letter of sale or assignment from the original creditor to your company, including any agreement with your client granting the authority to collect on this alleged debt. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ) - information relating to the purchase of a bad debt is not proprietary or burdensome. 
Any other pertinent information regarding the creation of the debt by your collection agency like ( 1. Where the debt originated from, 2. ) The sum paid by the bad debt buyer for the plaintiff 's debt, 3. ) How the total amount was determined, and 4 ) A list of documents that authorize the collection of debts. )
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 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 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: Checking or savings account

I have later fees from my due account and that set me back I had to go get a loan to keep my light 's on and my gas
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Portfolio Services ( CPS ) accessed my credit file without my authorization and reported out an inquiry for credit that I never requested. They received my information from a third party. The third party has acknowledged this error and requested CPS to remove the inquiry. This letter was signed by a XXXX at the company. I have also submitted several letters to request the removal. I did not authorize CPS access to my credit file for lending purposes. Furthermore, I have an active extended fraud alert that states that I must be called day or night to verify any credit request. At no point has CPS contacted me to confirm my identity, that I authorized access to my credit, or that I indeed wished to obtain credit. This is a violation of US code 1681 c-1. CPS continues to refuse to acknowledge their fraudulent access to my report and remove the inquiry.
Product: Debt collection

This is the first I've heard from this company, or any other company on this matter therefore, in accordance with Section 809 - Validating Debts of the Fair Debt Collection Practices Act, I respectfully request that you provide me, in writing, the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show l agreed to pay what you say I owe ; Identify the original creditor ; Provide a verification or copy of any judgment ( if applicable ) ; Show me that you are licensed in my state, and provide me with your license numbers ( if applicable ). 
Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that : You can not add interest or fees except those allowed by the original contract and state law. 
You do not have to respond to this dispute except to tell me that you either intend to cease your collection efforts or to pursue other legal means of collecting this debt. 
Should you pursue a judgment without validating this debt, I will inform the judge and your case will be dismissed based on your failure to follow the FDCPA. 
Any attempt to collect this debt without validating it, violates the FDCPA. Be advised that I intend to record all phone calls, keep all correspondence and will not hesitate to report violations to my State Attorney General, the Federal Trade Commission and the Better Business Bureau. 
I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them this debt is in dispute. Reporting information that you know to be inaccurate or failing to report information correctly violates the FCRA 1681s-2.

If you do NOT own the rights to collect this debt, I demand that you immediately send a copy of this dispute letter to the original creditor that you say I owe money too so they are also aware of my dispute with this debt. 
Finally, in accordance with section 805 ( c ) - Ceasing Collections, of the Fair Debt Collection Act, do not contact me about this or any other matter, except by official mail and then only to advise me that your debt collection efforts are being terminated or that you are taking specific actions allowed by law.
Product: Debt collection

Set up autopayments with my new bank account in XXXX of this year, only for XXXX and XXXX payment cycles to not be processed and thus marked as delinquent pr past due. My bank account on file had more than enough funds to complete both payments meanwhile Midland Credit Management did not make any attempts to collect either payment as refelected by my bank statements. I would expect at least an attempt to process the autopayments and if declined I would understand, but as stated the bank account on file had the adequate funds and yet was never charged. 

Upon speaking with " XXXX XXXX '' I was made aware that this was due to an accounting error on their end where my bank account was allegedly " not found. '' Later was connected to his manager who chalked it up to a " technical issue on our end. '' I did add a new debit card to bring the account current but now have no piece of mind or reassurance if this same issue will not happen again. Both the phone agent and manager verbally stated that the collection history from Midland Credit Management would be removed from my credit history after it is satisfied, however when asked to provide a XXXX XXXX both thr agent and manager claimed no such document could be provided. Basically Im supposed to have XXXX faith in them when Midland Credit Management can not even process my auto payments.
Product: Credit reporting or other personal consumer reports

When reviewing my credit report today, I was surprised to find inaccurate accounts listed, and I have no explanation for their presence. I check my report regularly, but this time, I noticed unexpected discrepancies. I attempted to refresh my browser, assuming it might be a temporary glitch, but the errors persisted. Given this issue, I kindly request a detailed review of the documents I submitted to ensure I dont have to deal with this concern again.
Product: Student loan

NAVIENT Solutions Inc. has for the past 13 years steered me in the wrong direction to pay off my loan by telling me that I was not eligible for an income based repayment plan, but rather enrolled me in forbearance and deferment plans that include continued interest accumulation and late fees. Despite my continued efforts and attempts to inform them about my inability to pay, due to my low earnings and high cost of living, they continue to harass me by repeatedly calling my work place and leaving messages with the administrative staff, and sending me threating letters. When I attempted to lower my loan via a XXXX Loan Forgiveness Incentive, they have denied it despite my being eligible and submitting all the paperwork and proof of eligibility as requested by them through Department of Education.
Product: Checking or savings account

Wells Fargo charged me fees for no reason and closed my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Wanted to get New Truck I ask them not to run my credit before anything and they would run my credit once they ran my credit few to many times, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX  are purposefully, willingly and knowingly lowering peoples scores and reporting inaccurate information on reports. I get my score of XXXX and then go to the bank the next day and it is 200 points lower for no reason other than they are purposefully lowering peoples scores. I will never finance anything ever again.
Product: Checking or savings account

Im trying to to get my money back from a company called XXXX XXXX   which also owns Cash app. They keep taking money out of my savings account in amount of {$160.00} which was from XX/XX/XXXX to XXXX. They would take out like {$7.00} increments for a total of 24 times. I have tried to email and still no results. Can you help me. Im XXXX XXXX XXXX of XXXX, MO Transactions Scheduled Pending Posted Filter Print Transaction Status Date Description Amount Balance XX/XX/XXXX XXXX POS PURCHASE AT CASH APP*XXXX  XXXX CA XXXX XXXX XXXX XXXX  XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX   XXXX CA XXXX XXXX XXXX XXXX XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX  XXXX CA XXXX XXXX XXXX XXXX  XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX  XXXX CA XXXX XXXX XXXX XXXX  XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX   XXXX CA XXXX XXXX XXXX XXXX XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX  XXXX CA XXXX XXXX XXXX XXXX  XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX  XXXX CA XXXX XXXX XXXX XXXX   XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX   XXXX CA XXXX XXXX XXXX XXXX  XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX  XXXX CA XXXX XXXX XXXX XXXX   XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX   XXXX CA XXXX XXXX XXXX XXXX  XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX  XXXX CA XXXX XXXX XXXX XXXX   XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX   XXXX CA XXXX XXXX XXXX XXXX  XXXX, 2020 XXXX XXXX PURCHASE AT CASH APP*XXXX  XXXX CA XXXX XXXX XXXX XXXX  XXXX, 2020 XXXX POS PURCHASE XXXX CASH APP*XXXX  XXXX CA XXXX XXXX XXXX XXXX   XXXX, 2020 XXXX POS PURCHASE AT CASH XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX  XXXX CA XXXX XXXX XXXX XXXX  XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX XXXX CA XXXX XXXX XXXX XXXX   XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX   XXXX CA XXXX XXXX XXXX XXXX XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX  XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX 2020 XXXX POS PURCHASE AT CASH APP*XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX   XXXX CA XXXX XXXX XXXX XXXX  XXXX, 2020 XXXX POS XXXX AT CASH APP*XXXX  XXXX CA XXXX XXXX XXXX This is a listing of what they kept taking. 
XXXX XXXX XXXX XXXX. 
XXXX
Product: Credit reporting or other personal consumer reports

All accounts are showing inaccuracies on them. Inquiries, balances, accounts, names, and addresses.
Product: Mortgage

I currently have a loan with Nationstar Mortgage LLC d/b/aMr.Cooper. I am completely current with my monthly mortgage payments but they reported to the credit bureaus that I made my XXXX payment late on XX/XX/XXXX when in fact it was made on time on XX/XX/XXXX and duly posted and credited to my account. 
I am in the process of trying to refinance this loan and when my mortgage broker brought it to my attention today, she said this very much hurt my chances for getting a refinanc Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently disputed accounts on my credit report that is inaccurate and does not belong to me. The credit bureaus are reporting inaccurate information on my credit report. This company did not thoroughly investigate my dispute ; however, they sent a generated templet that had nothing to do with my complaint. I also requested supporting documents that helped with the resolution. As of today, I have not received any documents. My credit report/score has had a negative impact due to the lack of investigations from the credit bureaus. The inaccurate accounts I deputed is listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/XXXX Wells Fargo informed me that I had reached 80 % LTV, thus qualifying to have PMI payments removed from my monthly mortgage. To cancel I had the option of either 1 ) paying {$6400.00} to reduce the LTV down to 78 %, OR 2 ) calling them to request a new property evaluation to ensure the home was still above the original {$330000.00} valuation. Upon calling to discuss the property evaluation, I was informed they would send me another form to request a property evaluation through Wells Fargo. Not sure why this request was not available either online or, at a minimum, included with the form for option # 1 which somehow did get mailed to me. 

Having just received my XXXX XXXX XXXX XXXX valuation for XX/XX/XXXX reflecting home valuation of {$450000.00} AND having had an appraisal performed in XX/XX/XXXXthat reflected a valuation of {$420000.00} ( coincidentally the same value XXXX XXXX showed for XX/XX/XXXX ), I offered to provide both as proof that I did in fact qualify to have PMI removed. I spoke with 2 different customer service reps at Wells Fargo Home Mortgage ( XXXX ) as well as a supervisor named XXXX XXXX on XX/XX/XXXX, and was told neither of these documents would be sufficient. In fact, I was told that I actually would have to use a Wells Fargo approved appraiser specifically to perform this task at a cost of {$550.00}. This is actually above market for a home appraisal ( {$400.00} is what I paid last year ) so also unclear why any professional appraisal wouldn't be acceptable. 

If Wells is willing to waive the appraisal once an additional 2 % is paid down on the loan, I think a valuation 34 % ABOVE their minimum by both a governmental entity AND an independent appraiser should be sufficient. I also don't understand why I have to pay an exorbitant fee for what is a relatively commoditized service and suspect Wells Fargo is actually making money off of the higher appraisal fee. This seems very unfair and could be alternately addressed doing a quick look at comparable sales in the area which would be relatively inexpensive to perform. 

Thank you for your assistance.