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 and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce 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 ( 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. 
XXXX
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 to be removed/updated. 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 XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

Ive requested several times for this company to stop harassing me and to correct the false information they have added to my credit reporting.This company continues to pass along my information to different collection agencies whom also have put false information in my reports. I have requested several times by writing and mail to be provided with signed documents between me and Jeffersons capitol for this amount they have said I owe. Those documents have yet to be provided. The continuous false reporting have affected my livelihood and ability to obtain things in need.
Product: Credit reporting

this account was paid on time and never late, but experian is reporting this account negative, please have this negative item removed from my records. i have disputed and wrote letters to experian and also the creditor, please help me to remove the negative item. 
thank you
Product: Credit card

On XX/XX/year> I received an online message from an old co worker/friend that they received a phone call from comenity about my past due payments. This friend is not a co-signer on this account, their phone number is not listed anywhere on my account nor have we ever had a connecting address or anything. 

I reached out to comenity that it is against privacy laws to contact someone who isnt affiliated with my account with information about my account. Agent said they reserve the right to contacts anyone affiliated with the account to which I repeated they were not affiliated in anyway I dont even know their personal phone number myself and they contacted them with my financial information. 


My phone number was removed from their system months ago because of another stored card with them where they would harass me at all hours of the night and even call privately and this person isnt the first one they have tried to contact.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 at about XXXX in the morning, I sent someone that claimed to be XXXX XXXX from XXXX {$130.00} for the adoption of a tortoise that he was going to ship to me. I used XXXX through my Chase bank account and assumed it was safe since chase bank was the one offering the service. Once I sent the money the guy stopped responding and I never heard from him again. I looked more into it and found this " XXXX XXXX '' has done this to multiple people and scammed them also. I called XXXX customer service first and they said since it was done through my bank I needed to contact them. I called chase the next morning XX/XX/2020 and was told by the first person that they would take care of it and " rest assured we will get this taken care of for you '' then I was transferred to the fraud dept and the guy from JP Morgan chase told me I was out of luck. He told me I shouldn't use that service. I asked why they offered it and MISLEAD THEIR CUSTOMERS he had no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Please update my name to XXXX XXXX XXXX. 
My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX  XXXX {$0.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are XXXX unauthorized hate inquiries on my Transunion credit report dating from XX/XX/XXXX through XX/XX/XXXX. I have called the creditor and Transunion to have these inquiries deleted as they were not authorized by me and they have not been removed. This is negatively affecting my XXXX XXXX and is in total violation of my rights under the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Credit Report Information and Request for Blocking Under FCRA 605 ( b ) Dear CFPB Team : I am writing to formally dispute inaccurate information on my credit report and to request the immediate blocking of this information pursuant to FCRA 605 ( b ). This provision requires that inaccurate, fraudulent, or identity theft-related information be blocked from my credit file when supported by proper documentation.

The specific account ( s ) in question include : Account Name : XXXXXXXX XXXX Account # XXXX This information does not belong to me and appears to be the result of identity theft or an error in reporting. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to protections that safeguard my credit report from inaccurate or fraudulent entries. Specifically 1. FCRA 605 ( b ) : Blocking Information from Identity Theft * CRAs are required to block disputed information if a consumer provides : * A valid police report or identity theft affidavit, * Sufficient proof of identity, and * A clear statement identifying the disputed information.

* CRAs must block the information within four business days of receiving the required documentation.

2. FCRA 611 : Procedures for Resolving Disputes * This section mandates that CRAs investigate disputes within 30 days and delete unverifiable or inaccurate information.

3. FCRA 609 ( e ) : Requirements for Identity Theft Victims * Consumers are entitled to access the fraudulent account details upon request.

* I formally request the following : 1. The immediate blocking of the disputed information under FCRA 605 ( b ).

2. Confirmation in writing that the disputed information has been removed and will not reappear on my credit report.

3. A revised copy of my credit report reflecting these corrections.

Please note that failure to comply with the FCRA could result in penalties, including statutory damages, punitive damages, and attorneys fees. I trust that the CFPB will ensure my rights are upheld and that this matter will be resolved promptly. 

Thank you for your prompt attention to this urgent matter.
Product: Credit reporting

I am a victim of the XXXX XXXX and XXXX data breaches. I requested my free annual credit report from LexisNexis. I also requested that my file have a security freeze placed on it. LexisNexis told me that they are not a credit reporting agency and would not give me a copy of my file or place a freeze on it.
Product: Mortgage

I applied for a refinance loan through New American Funding. New American Funding was listed on XXXX XXXX as being XXXX of the top XXXX to apply for a refinance mortgage loan. I applied on XX/XX/year>, and was immediately contacted by phone. 

I was contacted by phone, after applying, by XXXX XXXX, XXXX XXXX XXXX # XXXX. 

I asked about the terms and interest rate based on a soft pull of my credit. I also sent him an unoffocial appraisal of my property. 

He stated I would receive an interest rate of 6.625 %. I asked him if this was the guaranteed rate I would receive as I did not want to do a hard pull of my credit and have it affect my XXXX XXXX. He guaranteed the rate and stated I would receive disclosures I had to sign on Monday, XXXX XXXX. 

I received the loan disclosure and signed it. The next day I was instructed to contact the former lender, which I had applied for a refinance and was turned down. The lender needed to transfer the FHA file to New American Funding. However, in order to transfer the file, I had to pay the lender, XXXX XXXX Mortgage, {$750.00} for the appraisal. 

It was very difficult for me to come up with the {$750.00} necessary to pay for the appraisal, but given I had a guaranteed loan with a 6.625 % interest rate, and would be able to pay down some of my debt, I agreed to pay. 

The FHA file was then transferred to New American Funding. 

The next day, XXXX XXXXXX/XX/year> at approximately XXXX XXXX, I received another disclosure requesting my signature. The loan terms had changed to a higher rate as well as the monthly payment. 

On the loan disclosure, in the box labeled Reason for XXXX was the following statement : Per borrower request, the loan term has been updated to 20 years and the rate has been locked at 7.250 % at a cost to the borrower of {$1800.00}. 

I did not request a loan term change to 20 years nor did I request a rate of 7.250 %. 

There was no explanation given with the disclosure as to why the loan terms had changed. I did not receive an email explaning the loan terms had changed and that I needed to sign a new disclosure. 

I emailed the loan XXXX XXXX XXXX. I asked why the terms had changed. His response to my email was : On XX/XX/year>, at XXXX, XXXX XXXX XXXX XXXX : Hello, the 20 year is all that would be approved. The 6.6 % they have costs to much money on your loan. 

" The reason why they didnt approve you was because they gave you unrealistic numbers to begin with. Never want to do that '' XXXX XXXX admits to fraudulent loan terms. 

Also was fraudulent was the statement that I had requested the change, which I did not. 

I notified XXXX XXXX to immediately cancel the loan contract and return the FHA file to XXXX XXXX Mortgage.
Product: Checking or savings account

My account would say Id have a certain amount so I go to spend what I think I had but would either get declined or Id go negative and get all these crazy fees when if Id know I didnt have that much I would not have spent the money
Product: Credit reporting or other personal consumer reports

" I reviewed my consumer report and informed your agency on XX/XX/year> about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim.

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

First off my name is XXXX XXXX and I am not a credit repair service. I am an individual exercising my rights for fair credit and proper credit reporting. I demand the following information removed and deleted from my account as per the listed laws require. 

All three of the credit reporting agencies stated back that they had fully completely investigated the items listed yet if you look at the copies of the credit report that I supplied you will see that they were in accuracies incorrect dates and incorrect amounts. This is grounds for removal XXXX violating my rights. Under 15 USC 1681 section 602 a states I have the right to privacy 15 USC 1681 section 604 a section 2 it also states consumer reporting agencies can not furnish an account without my written instructions. The credit bureaus also took more than 30 days to complete my investigation. Tracking # XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, an account was opened in the amount of {$500.00}, of which I have no knowledge. I previously disputed this account but have yet to receive any response or resolution.
Product: Student loan

I filed bankruptcy years ago and my private student loan was discharged but Navient said no student loan could be discharged ( not even private ) and ignored the discharge continued collections for many years later I was forced to make a lump sum large payment settlement of I believe XXXX dollars after already discharged years before due to ongoing collection activity
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion credit Bureau remove inquiry from my credit report and place them back on my credit report with given me  a five d ays nofication that they was gon na place them back on my credit report  XXXX    XXXX   XXXX   XXXX  ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX ,  XXXX   XXXX   XXXX   XXXX
Product: Checking or savings account

My company has a business checking account at Chase Bank in the name of " the business ''. A person who worked at my company also has a bank account at Chase bank. This person was able to deposit 55 checks that were clearly marked pay to the order of " my business name '' into their own personal bank account. Chase refuses to correct this horrible mis-allocation of funds that went into the wrong account ( {$8200.00} ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am noticing unauthorized accounts on my credit report that need to be removed. They are holding me back from getting any sort of business credit cards and getting a mortgage. I sent out letters to these credit bureaus over 30 days ago and I haven't gotten any results, let alone a response. Please help me get rid of these inaccurate accounts, it is unfair that I have to suffer financially for accounts that are inaccurate and unauthorized. Attached are the letters sent to the credit bureaus along with my identity documentation.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX  XXXX XXXX  XXXX Account # XXXX date opened XX/XX/XXXX bal. {$14000.00}, XXXX XXXX  XXXX Account # XXXX date opened XX/XX/XXXX bal. {$3500.00}, XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XX/XX/XXXX bal. {$2600.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1000.00} XXXX XXXX XXXX XXXX # XXXX date opened XX/XX/XXXX bal. {$360.00}, XXXX XXXX XXXXXXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$280.00}, XXXX XXXX XXXX  XXXX Account XXXX : XXXX date opened XX/XX/XXXX bal. {$200.00}, XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : XXXX XXXX, XXXX XXXXXXXX XXXX  . These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of multiple written requests, the unverified accounts/inquiries listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts/inquiries completely from my credit reports. 
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
Product: Checking or savings account

I opened a capital one 360 Money Market account onXX/XX/XXXX At the time there was an offer for a bonus of {$500.00} when meeting the following terms : " Heres the full scoop on how to earn your {$500.00} bonus : Open a 360 Money Market account and deposit at least {$50000.00} between XXXX XXXX ET on XX/XX/XXXX, and XXXX XXXX   ET on XX/XX/XXXX. When you open your account, enter your promotional XXXX. ( Please do not share this code with others. ) Deposits must be from another bank ( transfers between Capital One accounts will not qualify ). If you have or had an open savings product with Capital One after XX/XX/XXXX, youre ineligible for the bonus. This offer can not be combined with any other Capital One Bank or Capital One 360 new account opening offer. Bonus is only valid for one account. '' The terms were still up on Capital1 website until XX/XX/XXXX on the following link. ( https : //www.capitalone.com/savings500/ ). That page has been deleted recently but it can still be seen here on ( XXXX XXXX XXXXXXXX : XXXX ). 

I have met every single term by XX/XX/XXXX, and eventually by the end of the offer period had a total of + {$52000.00} deposited to the account. To double check meeting the requirements I contacted Capital 1 on XX/XX/XXXX at XXXX via online chat and spoke with XXXX. XXXX confirmed twice I met all requirements and that I don't need to do anything else to receive the bonus beyond wait for 60 days. The referenced chat log has been attached along with the original terms. 

More than 60 days have passed and bonus didn't post so I contacted Capital1 again  over the phone on XX/XX/XXXX at XXXX and spoke first with XXXX, then a manager named XXXX. Both said I don't qualify for the bonus because I didn't have a " total balance '' of + {$50000.00} and didn't have the funds deposited within 10 days of account opening '' I informed both that those requirements were never in the terms. I read the terms back to them and asked them to specify which one ( s ) I didn't meet and wondered how does this fit with my previous correspondence with Capital 1 and XXXX on XX/XX/XXXX. They acknowledged the existence of the notes from XXXX but never the contents of them, and they kept going back to not having a " net balance '' of {$50000.00} which was never advertised originally. 

On XX/XX/XXXX Capital 1 and I entered into an agreement. I have done all what was asked of me and I even double confirmed that when the offer period was still active to make sure I have done all I need to do. Capital 1 did not honor that agreement.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, XXXX Asked for a proper investigation, to provide me with a contract bearing my signature showing that the debt belongs to me. They did not provide me with the information. XXXX has removed my student loans with Aidvantage due to not being able to verify
Product: Credit reporting or other personal consumer reports

In XXXX XXXX a late payment was inaccurately reported. I requested information from all three credit bureaus to retrieve the method of verification and never received a response. After 15 days it's supposed to be a violation of the CFPB. 

I requested the following : - The name, address, and telephone number of the entity or individual that provided the verification information. 
- A detailed description of the procedure used to verify the accuracy and completeness of the information. 
- The date when the information was verified. 
- Copies of any documents, records, or evidence used in the verification. 
- Records or summaries of all communications between all three bureaus and XXXX XXXX XXXX concerning this dispute.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan with Opp LoansXXXX XXXX at XXXX XXXX only to discover the state of XXXX XXXX XXXXXXXX I lived when I took this loan out ) has a maximum % cap, I think around XXXX XXXX I feel this company is fraudulent as they were taking XXXX  out every XXXX weeks to pay back a XXXX loan... this was a loan for XXXX months. I need help paying this loan as it's an obscenely high % rate and I am struggling. What are my rights? Who can help me resolve this. I know there have been complaints with them, class actions. I need help desperately and to get this resolved ASAP. Can you please help me?