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

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, 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, 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, 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 redress for these violations.
Product: Debt collection

My husband and I receive numerous, repeated phone calls from XXXX XXXX, the service provider/lender of our car loan. We get phone calls from lines in Maryland, XXXX and XXXX California, with the company 's debt staff repeatedly leaving messages stating that they will " escalate our file '', that we are being moved to a Tier 2 trouble situation, that we should take out payday loans or borrow money from friends/family to make our payments, that if we do n't pay now, they will require two car payments in one lump sum, etc. ( Quick backstory : We both lost our jobs in XXXX XXXX and have struggled to make ends meet since then. ) We repeatedly tell them that we will not take out payday loans or borrow from people we know to make the car payment. This morning alone, I have received XXXX - XXXX - phone calls in rapid succession from XXXX ; one from XXXX ; and yesterday, from XXXX, XXXX. XXXX XXXX also calls from XXXX, XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like Equifax did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports. 

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual. 

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes. 

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision. 

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated. 
My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : XXXX. XXXX XXXX # XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP.
Product: Debt collection

XXXX, ( XXXX ), has contacted my husband and I many times the past year to collect a debt that we did not know we owed. We got a pack in the mail issuing us to go to court so we called them and they said if you send in a paper stating a payment plan that could be set up, have it notarized, send it back within a week than we would n't have to go to court. We wrote out a paper stating that we would pay {$150.00} a month till it was paid off that same day, had it notarized and faxed it over and called to confirm they received it. While paying them they were very rude about any questions that we had and regularly gave us the run around when trying to find out how much we had left to pay or even if they were getting the payments. Many times they hung up on us or would simply put us on hold till we hung up. We had one gentleman that works for them call us at XXXX at night to ask if we sent a payment in and when we asked who it was he hung up on my husband. The law office works very strangely and is not very nice. We eventually got in contact with who the debt was originally through and made a settlement offer through them. When they approved the deal, they contacted XXXX and told them we could pay off the loan in the amount of {$2000.00} on XXXX XXXX 2015. We made the check out and sent it in and asked for a paper just stating that the debt was paid off and we did n't have to worry about it anymore and they never returned our calls or sent us anything in the mail. A receptionist called my husband 2 weeks ago on XXXX XXXX 2015 and asked if the debt was paid off. He said yes and we are still waiting on a paper confirming it. The lady rudely said that it was cleared up on their end and hung up the phone. We still have not received a paper confirming the debt payoff.
Product: Debt collection

Dear FTC, I am writing to file a formal complaint against Resurgence Acquisition, a debt collection agency that has engaged in unethical and illegal practices. 

On XX/XX/year>, I discovered that Resurgence Acquisition had reported a debt to XXXX under the name LVNV Funding that had already been removed from my credit report. This action has caused significant distress and potential harm to my credit score. The account is inaccurately shown as opened on XX/XX/scrub> XXXX XXXX 

Despite the debt being properly removed, Resurgence Acquisition has continued to pursue collection efforts, which is not only a violation of the Fair Credit Reporting Act ( FCRA ) but also an act of harassment. This action is also in direct violation of 15 U.S.C. 1692g, which mandates that debt collectors must provide proper validation and verification of the debt upon request. Additionally, the name of the company shown in my credit file ( LVNV Funding ) is different from the debt collector contacting me ( Resurgence Acquisition ), which is a violation of Section 808 of the Fair Debt Collection Practices Act. 

I request an immediate investigation into this matter and appropriate action against Resurgence Acquisition to prevent further harm to my credit and personal well-being. 

Thank you for your attention to this serious issue.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I accepted a balance transfer offer from Barclays to send {$20000.00} to my XXXX XXXX  checking account from my XXXX XXXX XXXX. I gave Barclays the XXXX XXXX  routing number and my personal checking account number. Barclays promised to deposit the funds into my checking account within 7-10 business days. The {$20000.00} was never received. 

On XX/XX/year>, I asked a Barclays customer service manager to conduct a three-way call with XXXX XXXX to verify that the {$20000.00} was never deposited into my account. Barclays honored my request and the XXXX XXXX  representative confirmed that no funds were received in my account. 

Although I haven't received any money from this balance transfer, Barclays is requiring me to make minimum monthly payments of {$200.00} until the investigation is completed. 

On XXXX, XXXX, XXXX, I asked Barclays to freeze my credit card account and waive any charges or payments due until their internal investigation is completed. The representative said she could not grant my request.
Product: Checking or savings account

I am writing to file a formal complaint against PNC Bank, specifically the branch located at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. On XX/XX/2024, I experienced an egregious violation of my consumer rights during a visit to this branch, compounded by a distressing experience as an XXXX American woman with a XXXX. 

Upon attempting to withdraw funds from my account, I was informed by the bank staff that I could not withdraw an amount exceeding {$2000.00}. This restriction was placed even though my account balance exceeds {$100000.00} and I've had the account open for over two years. This arbitrary and unexplained limitation on accessing my own funds is not only an inconvenience but also raises serious concerns about the bank 's commitment to facilitating reasonable and fair customer transactions. 

Furthermore, I requested to wire the money as an alternative solution, only to be told that the wire system was mysteriously " closed '' to me. This occurred even though I entered the bank at XXXXXXXX XXXX  Eastern Time, well within the regular banking hours. The refusal to process a wire transaction without any legitimate justification is not only a blatant violation of banking standards but also a breach of my right to access and manage my funds freely. 

To compound matters, when I sought to obtain a cashier 's check for an amount exceeding {$10000.00}, I was once again met with resistance. The bank staff insisted on imposing an arbitrary limit that contradicts my knowledge of standard banking practices. This unwarranted restriction hindered my ability to conduct legitimate financial transactions and demonstrated a complete disregard for customer needs and felt extremely biased as a woman when I saw men in the branch having no similar issues. 

I am appalled by the treatment I received at PNC Bank, and it is evident that my consumer rights have been blatantly violated. Such practices are not only unacceptable but also indicative of a lack of transparency and fairness in PNC Bank 's operations. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigates this matter to ensure that appropriate corrective actions are taken against PNC Bank.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XX/XX/2023 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX 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 am unable to get into my account and would like to reopen the dispute with jaexports I was overcharged {$1600.00} from a company and i've been fighting to get my money back. At I provided Navy Federal with documents hoping they'd be able to help me retirieve the funds. They claim was denied so I tried to appeal. Navy Federal wouldn't even try to assist and kept telling me they didn't everything they could and got denied twice. They wouldn't even take the time to appeal and use the additional documents that i acquired and said they would not appeal.i don't seem to understand why they won't appeal or even look at the additional documents provided. not only is this the second time but third time this has happened with no communication what so ever and refuses to even look at documentation. I have provided valid documentation with information as I wasn't the only one dealing with the issue of fraud. I see this company has a lot of issues of resolving fraud claims and doesn't seem to really care at all. I speak with customer service at which they seem like they know absolutely nothing because each time I get provided different answers at which just confuses me more. they say they can't contact the fraud team but when I ask again someone else does contact them and the list goes on. Navy federal makes me not want to bank with them anymore as they dont seem to care for their customers at all and I see again I'm not the only one facing the same issues with this bank. All I want is my money back for the claim filed for the third time on XX/XX/10 confirmation number XXXX in the amount of XXXX. that is all I'm asking. Information is XXXX XXXX and email on the bank account is XXXX. I want my refund / reimbursement for all this trouble As I have provided all documentation to support my fraud case and you all refuse to send me what was used to not accept the case as I have asked multiple times
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX, IN XXXX XXXX  XXXX XXXX Balance Owed : {$650.00} XXXX XXXX Balance Owed : {$290.00} XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$710.00} XXXX XXXX XXXX Balance Owed : {$9300.00} XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$7400.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing items on my credit report for at least 4 years I have called for disputing and sent letters to trans union the dispute department was very rude and asked what more can I do because I cant get on with my life because of all these incorrect things on my credit I was nothing the creditor makes that decision trans union makes you pay to see and dispute online when you mail documents they tell you they never got it XXXX  App should be off my report they gave information without knowing and I ask for debt verification I was a letter from another company I have to debt with automated collection and the letter says that I need this off of my credit report
Product: Credit card

Synchrony Bank which manages my Lowe 's store credit card has arbitrarily forced customers to go paperless for billing and if a customer does not they will charge a {$1.00} fee a month to receive paper bills. I fell like this is unfair to those of us that use paper statements to do our home budget. There is no appeal process or way to be " grandfathered '' in to receiving paper statements. This is not right and I feel unfair to the consumer. Is this illegal? Can they do this?
Product: Debt collection

First, I entered into a consumer credit transaction with XXXX when I sold them my credit from my open-end credit card, which pursuant to 15 USC 1602l and 18 USC 8 is my social security card. XXXX was paid in full from this transaction so no alleged debt should be trying to be collected. I then saw that Diversified Adjustment Services harmed my reputation and violated 15 USC 1692d ( 1 ) by furnishing this alleged debt onto my credit report. I then requested validation from Diversified Adjustment Services pursuant to 15 USC 1692g since they did not send me validation 5 days after the initial communication which they are required to do pursuant to 15 USC 1692g and are in violation of that. After I requested validation Diversified Adjustment Services did not send me back the proper validation pursuant to 15 USC 1692g. They sent me back a contract with my signature with XXXX not with Diversified Adjustment Services, which only proves that it was indeed a consumer credit transaction between me and XXXX and that all obligations with XXXX were taken care of in full from my open-end credit card and Diversified Adjustment Services has no right to collect this alleged debt. They are in violation of 15 USC 1692g by not providing the requirement numbers 3,4, and 5 when I requested validation from them. It is now a failure on their part to validate this alleged debt. Only me the federally protected consumer under title 15 chapter 41 can validate this alleged debt and I am stating that I do not owe this debt.
Product: Vehicle loan or lease

I put an application in to XXXX of XXXX just to be able to put a deposit onto a car before running the credit. I was guaranteed I would n't have my credit run until I approved on my trade in amount. I never finalized my trade in amount because when I went to put a {$1000.00} dollar deposit onto the car, it had been sold prior. This happened on XXXX XXXX with 4 different locations. My credit should NOT have been run until I agreed upon my trade in value and price of the car, which also was not finalized or discussed.
Product: Mortgage

Over the course of XXXX, several financial setbacks occurred causing me to fall behind on my payments so I made steps to work with the Ocwen to begin working on a loan modification so that I could continue making timely payments. Over the course of this process the relationship managers that I worked with repeatedly lost documents and even went as far as saying that they did not receive documents that were faxed, emailed, and mailed to them which ultimately led to me falling further behind on my payments. 

In late XXXX, I received a notice of default and subsequent sale date so I began to work with the loan servicer as well as Keep Your Home California and XXXX to work out a repayment plan for the back fees. They assured me that while I was working with them to figure out a plan that the sale date had been put on hold. In XXXX, XXXX informed me that they had made an agreement that I would begin with an initial payment of {$12000.00} and then go on from there. I felt comfortable with that amount because it was much less than the {$16000.00} that was accumulating after fees and penalties were tacked on. 

I called the servicer in early XXXX because I had not received any documents to sign and after speaking to my relationship manager in late XXXX, I was informed that I should remit a payment of {$12000.00}, which was sent to them on XX/XX/XXXX via certified check even though as of that date I still had received no official document that we had entered into the repayment plan. It was on XX/XX/XXXX, that I received a new document from the county saying that my home would be sold on XX/XX/XXXX, so I immediately called the loan servicer because there had been no communication from them on the status of the repayment plan or any document stating that they had received a payment from me. 

I spoke to the servicer who then told me that the repayment plan was sent to the underwriter and that I had been denied a repayment plan due to my debt to income ratio being 2 % higher than that of which they allow. I then asked when that decision had been made and they told me that the decision was made XX/XX/XXXX. I then asked the representative why I had not received anything in writing that this decision had been made and I was told it was because they do not send out letters of denial and that it was on me to check in with them on the status of the repayment plan application. I know that this is false information because I have received letters in the past in regards to the denial of a loan modification. I proceeded to ask the representative what happened to the check that was sent to them and they told me that they had returned it to me as of XX/XX/XXXX because there was no agreement made and that I would need to make a payment of {$17000.00} to end the sale of my home. This payment has to be made by XX/XX/XXXX. 

I am submitting this complaint because Ocwen has a history of these types of practices resulting in foreclosures and lawsuits, one of which was filed by the CFPB for these same reasons and nothing has changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

PREDATORY LENDING, UNAUTHORIZED CREDIT INQUIRY On Friday, XX/XX/XXXX, I received an unsolicited call from XXXX XXXX. The banker said she would like to review my account and see if there are any refinance offers available. I did not authorize the banker to run a credit inquiry, and the call ended. I then received a notice from my credit monitoring service that all three credit bureaus had received a hard credit inquiry. I contacted XXXX XXXX  to make sure they knew I did not authorize a credit inquiry and they refuse to remove it. My phone number is also on the do not call list. I was also contacted by unsolicited texts without my consent. 

XXXX continues to falsify the story, dismiss the negative impact to my credit report, and is unable to provide any evidence of my consent to a credit inquiry.
Product: Student loan

Mohela sent me a message saying Ive been removed from my income driven repayment plan and as a result will no longer qualify for PSLF because I did not recertify my income and put my payment amount at almost XXXX a month and back on a standard plan. This is completely inaccurate and is causing me mental anguish. No one was required to recertify during the pause and no is required to certify income at this time. Mohela refuses to correct their mistake and insists I need to recertify and thats the only way this can be corrected. Mohela is causing me unnecessary stress by giving false information and completely screwing up PSLF. 

I want to be placed back on my correct payment plan that I had with XXXX before the transfer. I want Mohela to do its job correctly. This is disgusting and scammy behavior by Mohela and Im sure this is happening to other people and cashing needless stress and panic. 

.