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 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 compensation for these violations.
Product: Mortgage

I have a 2nd mortgage with specialize loan services.after the XXXX   crash I got my mortgage modification I ask them to include my second mortgage into one but they said it not important so they modified with out them. So I requested from my 2nd Mortgage company a settlement for {$3500.00} which they did agreed. But I didnt know that until months later that it was now expired they send it to the email an no notification by s letter. So I tried to get them reopened it again. They told me I have to resubmitted all info again. After with they denied it every year on I tried with my tax time come they denied it. But for the last year am so in distress and having nightmare about losing my house. There is one lady the is the case manager she harassed me calling everyday telling me to sell the house am to sell my jewelry or my vehicle to pay them or get a loan from people to pay them. She call from unknown numbers. She didnt want to identify herself she uses all kind of tactic to harass me I told her I can afford to pay it. I am not working as much because my two kids going through a tough time with XXXX  XXXX an that times I can keep my jobs because I have to attend to them. I sent in several settlement she dont even pass it to the manager she throw it out say its not enough so shes not giving it to my boss she block everything I try my credit is bad I can refinance or get a loan. Am so over welem an upset an mentally drain but this every time she call I get over stressed out an nervous all day she call everyday. This is my contact XXXX.please please help
Product: Checking or savings account

I was denied a banking, The bank said it was due to my XXXX XXXX Report ... I requested the XXXX  REPORT AND FOUND 3 different bank accounts open with balances and Judgments that were not mine due to Identity Theft. I want this removed from my XXXX Report it is causing me financial issues. I've placed a fraud alert on my credit report, and contacted the FTC.Gov. Please Remove this information immediately and send results to the address on this report I will be giving. ASAP. Thanks
Product: Checking or savings account

My SoFi account is restricted with {$220.00} and I dont have any money at the moment. 
Theres no day I dont call SoFi but nobody get back to me please help me
Product: Debt collection

I filed complaint XXXX In their response they materially lied that my phone number was not blocked at two of their contact points. 

Original text from the earlier complaint, " They have blocked my number from calling them at XXXX or XXXX XXXX as listed on their website so I can not ask a third supervisor. '' Original text from their response, " Further, Unifin has not blocked XXXX XXXX phone number from calling Unifin. Please contact us with any additional questions or concerns. Sincerely, Unifin , Inc. '' This is materially untrue. As of XX/XX/2023 I am still blocked from both numbers and unable to contact them for additional questions or concerns. 

When attempting to upload video evidence of the blocked calls the complaint form provided a XXXX error inside the upload file element. I'd provide a photo of that error but am equally unable to do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a letter from Discover/personal loans dated XXXX XXXX.The letter states '' thankyou for applying for a discover personal loan on XX/XX/XXXX '' .I NEVER applied for a personal loan through discover or its affiliates.This is fraud.I did have a discover card with no balance and early 2020 during breakout of covid-19 pandemic, discover closed my account citing inactivity.I did call discover at XXXX on XX/XX/XXXX at XXXX and spoke with XXXXe.She took some information and stated that it was a soft pull and I shouldnt worry and transferred me to Bank fraud Unit at XXXX call with XXXX ended at XXXX statement to me is wrong about the personal loan i never applied for.When she transferred me to bank fraud unit, the bank fraud unit was closed.Recently, In XX/XX/XXXX, someone used my personal info to commit fraud at a XXXX through XXXX  to purchase a cell phone.This was fraud.Why almost a year later im getting a letter from Discover???? .Therefore, I never applied for a personal loan from Discover/personal loans or it s affiliates.THIS IS FRAUD
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

Yes I had a car loan but 3 to 6 months into my car payments the transmission was going out, I call and explain this, so I couldn't afford to fix it and make payments when I just got it, long story short I turn the car back n and that was 6 years ago. Didn't know much about car loan or credit until now. They sold the car and still have the full balance on my credit report. I did not know until now that I am responsible for the outstanding balance if there is one. So from 6 years until now the account is still open and reporting as late payments. XXXX has I made 0 payments on time and XXXX has I made 65 % payments on time. We both know all parties have to have the same thing this is inaccurate information on my credit report with payments making my credit report go downhill further I need help with this please
Product: Checking or savings account

Signed up online for a checking/savings account with {$600.00} bonus. I tried to fund the account with an external bank transfer within the chase app, but that was denied by chase fraud department, they claimed that they are having a system issue and external transfers are not working properly. They said I could either go into a branch or fund via a deposit check online. I deposited 2 checks ( {$7500.00} each ) total of {$15000.00} for the savings and the checking account. The checks cleared my bank last month XX/XX/23, however Chase put the funds on hold until XX/XX/23. I logged in after this and found my accounts had disappeared. They now state they are keeping the funds indefinitely and have refuse to return them to my external bank ( citizens ), send me a check to the address on file, or apply to my account. My only option is to go into the bank ( not local ) and prove my identity before releasing funds. Numerous calls have resulted in the same answer that Chase will hold my money hostage until I go into one of their branches and plead my case for it's return. 
The external bank I originally created a transfer from and the account that these 2 checks cleared has been used to pay multiple CHASE credit cards for years. They have withdrawn automatic credit card payments from this bank probably 100 times. the fact that this bank can solicit me to open an account with a {$600.00} bonus and then flag my deposits and hold unto them indefinitely until I go into a branch that is not local and prove myself to them. They have called me several times since then and verified my identity, as they discussed this matter, which they claim is a that the " back office '' flagged the transactions and they are going to keep them until I prove they are mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX located XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, sc XXXX is still reporting an account that does not belong to me. I asked for validation and they came back to say the account/debt can not be validated. I asked for proof of signature for a legally binding contract between me ( XXXX XXXX XXXX ) , surety for the principal debtor XXXXXXXX XXXX XXXXXXXX and they do not have it. I asked them for my original security instrument that was used originally with another creditor in equity for the exchange of real property and they said they can not produce it. This company is still reporting inaccurate fraudulent information that is affecting my livelihood and I did not sign a contract to do business with them. I need this to be investigated and resolved immediately.
Product: Credit reporting, credit repair services, or other personal consumer 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage Companies - Credit Union In accordance with the Fair Credit Reporting act XXXX Account 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and correction of the erronneous information reported on my credit reports has been ignored. The last letter I sent to XXXX, Equifax, and XXXX Credit Bureaus was dated XX/XX/XXXX, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following erroneous Information listed below are still reporting on my credit report and have caused a large decrease on my credit score. I am hoping that you may be able to help me and have these items corrected as soon as possible : 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 DEPTEDXXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX DEPTEDXXXX 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
Product: Checking or savings account

TD BANK - Wasted 3 hours of my time on several different phone calls. Different people say different things - but the problem was never resolved It was a ride for me on a merry go round. 

On XXXX I disputed a charge of XXXX. In XXXX i got a letter dated XX/XX/XXXX from the dispute department saying it was resolved in my favor and a credit was applied to my account. NEVER HAPPENED. 

Called - and was told it would be taken care in 7 business days by XXXX in the dispute department and it took more than an hour- to get to them. NEVER HAPPENED. 

called XX/XX/XXXX XXXX said it was not to be found. - another half hour. 
XX/XX/XXXX, closed the account and was told the XXXX would be sent to me. 
called XX/XX/XXXX XXXX- in Credit cards to XXXX in dispute to XXXX the obnoxious toad in customer service. The merry go round went around but - no {$14.00} The ladies were very nice and polite. But XXXX is discouragement for people to use TD Bank. which will die to lack of customers and incompetence of staff. 

I used TD Bank from when it was XXXX Bank. This never would have happened then, decades ago. Now I would never trust TD Bank - if they XXXX up with small numbers they would probably do worse with large amounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to Experian dated XX/XX/2022, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. Please remove the late payments from this account : XXXX XXXX
Product: Credit reporting or other personal consumer reports

After looking over my credit report, I identified errors involving late payments that are inconsistent with my payment record. Please correct these inaccuracies and update my account information.
Product: Checking or savings account

No access to my funds. Can not withdraw. I only have discover bank. Bank stating they have an ongoing issue for all customers. No specification, only that no one can withdraw cash. Im only trying to withdraw {$180.00}. cant even access that. Called several times, bank confirmed that i do not have access to my own money with no eta of resolution. This has occurred multiple times ( atm attempts ) on XX/XX/year> between XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I was surprised to find inaccurate accounts on my credit report today, and I have no clue why they appeared. When I checked my report as usual, I saw discrepancies that hadnt been there before. Hoping it was a temporary glitch, I refreshed my browser, but the incorrect accounts remained. Because of this, I am requesting a careful review of my submitted documents to ensure this issue is fully resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested credit reporting to investigate account on my report and they did not notify me of investigation results. I sent letters on XX/XX/XXXX and again XX/XX/XXXX and again on XX/XX/XXXX. XXXX sent me a letter about my identification and I sent that in again and still no response. I also reached out to the company listed on my report and got no response into XXXX and with that they violated my hippa and still did not verified that the account in fact was mine. I sent another letter to the credit bureaus and still no response.
Product: Credit reporting or other personal consumer reports

This creditor has violated my rights under XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Subject : Notice of Rights Violation Dear CFPB, I am writing to formally address a matter regarding my account with 604A XXXX XXXX XXXX ( Account Number : XXXX I believe my rights have been violated in relation to is action is a breach of my rights under the Privacy Act, as it has caused me, I have made multiple payments to this company and they continue to violate me in every way. 
In accordance with the Privacy Act, I request that you take immediate action to I have made several payments to this company, and they report late payments every month, which is not right and not accurate. 
Should this issue remain unresolved, I may have no choice but to escalate my complaint to the appropriate regulatory authorities. I have attached all the documents concerning this issue with this company. They are the worst, and they have really been very unfair to me.

I expect a prompt resolution to this matter and a response within. Should this issue not be resolved satisfactorily, I may have no choice but to seek further action, including reporting this matter to the appropriate regulatory authorities. 
Thank you for your attention to this important issue. I look forward to your prompt response. 
Sincerely, XXXX XXXX
Product: Checking or savings account

Everything began on XX/XX/year>. My fiance recently got a new job. His first check had to be given via paper as a result of direct deposit taking some time to process. On XX/XX/XXXX, he deposited this first paycheck into our account that we share at BMO Harris Bank. We have banked with them for several years now and have had many other problems. He deposited this check using their mobile deposit service, which is advertised heavily on their app because it supposedly only takes XXXX business days to deposit. Today is XX/XX/year>, and we decided to go to the bank to see when the funds would be cleared. Apparently the bank flagged it as fraudulent. So, my fiance gave them the paystub and all of the other documents that they asked for. They verified right there that the check was authentic. We then asked them if we could withdrawal the cash, to which they said no. Not only can we not get our cash today, we can't get it until XX/XX/XXXX. They couldn't provide a reason why and simply kept saying that there was nothing that they could do. My fiance and I began to get very frustrated, because there was no logical reason that they couldn't give us our funds any sooner. I believe that they are illegally holding our money, and we have been left with nothing in the middle of the holiday season.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express has reported me deceased to the 3 credit bureau 's. I have called them multiple times to dispute the inaccuracy of the account to get nowhere with them they will not provide me with any information, so I have no dates, amounts, or account information please help. I have called the 3 credit bureau 's and they have removed the deceased remarks, but American Express keeps reporting to them I'm deceased.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is Illegally and Knowingly reporting inaccurate information. 


( 1. ) This account is Charged Off, XXXX XXXX are illegally reporting a Past Due Amount of {$14000.00} ( 2. ) This account is Charged Off, XXXX XXXX are illegally reporting a Balance of {$14000.00}
Product: Bank account or service

I went to a Wells Fargo branch and added my fiance to my PMA checking account. Turns out bank employee added him to all my accounts and he received XXXX debit cards in the mail which we did not request. turns out the bank employee not only opened XXXX accounts in my fiance name, but she had XXXX debit card mailed to her at the branch and she even activated it and linked it to my savings account where i had over XXXX. I reported this discovery over the phone to wells fargo fraud dept and told them We never ordered the debit card and it was sent to an employee whom we do not know at the branch. I asked to file a fraud report on the employee and wanted a follow up call. The next day I went and spoke with VP of the XXXX branch and she said the debit card was reported lost, which is not the case. Employee fraud is happening and they are covering it up. I have no clue how many other cards are linked to my accounts and my fiance has no clue how many accounts are created in his name now and linked to other folks accounts. I asked them to transfer all my money to my credit union and she shewed me out of the branch saying " no, your money is safe, this was an accident. " .Employee was never fired and I got shewed out the door. Please help!
Product: Debt collection

FirstPoint is attempting to collect a debt that's not owed. Reference XXXX XXXX I asked FirstPoint for validation of debt that was not giving.
Product: Money transfer, virtual currency, or money service

In XX/XX/2023, a friend who had previously made payments to me over Venmo and to whom I had previously made payment made a payment to me over Venmo for her half of an XXXX rental. For reasons unknown to her or me, Venmo terminated the payment and froze both of our Venmo accounts. In order to reactivate my account, they asked that I verify my identity by providing a photo of my driver 's license and a photo of me holding my driver 's license. I provided that information and then they permanently deactivated my account. I asked why and they refused to inform me, pointing only vaguely to their terms of service. I read their terms of service, including their acceptable use policy, and I have done nothing to violate their terms of service. In fact, I did nothing at all except to be on the receiving end of a payment that Venmo erroneously flagged. I have a balance on my account that Venmo will not return to me.
Product: Money transfer, virtual currency, or money service

XX/XX/year>, a person called my cell phone introducing himself as a Wells Fargo employee to inquire about XXXX credit cards charges out of state as " WF '' was concerned that these charges might be unauthorized. I said I didn't make these charges, he said he would have the charges waived and new credit cards will be assigned to me. He was also able to get into my XXXX checking accts. and have an amount of {$49000.00} transferred from my business acct. to my personal acct. and then had this amount wired transferred out of the personal account to an account at XXXXXXXX XXXX He also had {$21000.00} wire transferred from my personal acct. to the same XXXX XXXX acct. 
Updates from Wells Fargo Bank, as I call twice every week, is the same, no answer/response from XXXXXXXX XXXX  . Supposedly my claim has been expediated to an " executive '' level due to being a long term WF customer and a good amount of money at the bank.
Product: Debt collection

I have been harassed by Midland Funding, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CA XXXX ( XXXX ), on and off for several years. On XXXX XXXX, 2012 I sent them a letter asking for validation of a debt they claim I owe. They never responded to me, but instead put the debt on my credit report as their own debt, with a falsified Open Date. 

I then sent them a letter demanding either proof of debt or removal from credit report. They ended up removing it. Now, XXXX years later I see it once again on my credit report. I am done talking to them, I now wish to file a public complaint and if they do not remove this from my credit files within XXXX days of today, I will file a lawsuit against Midland for several violations of the FDCPA over the last XXXX years. 

I have never had an account with Midland Funding, and do not appreciate them popping up on my credit files every few years.
Product: Debt collection

There is no evidence for my debt, and none has been provided to me.
Product: Credit reporting or other personal consumer reports

STILL LYING ABOUT THE ISSUE INSTEAD OF STILL WORKING ON THE ISSUE is real truth AS REQUESTED FORWARDED TO F.T.C AND D.O.J