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

I am filing a formal complaint against Cash App ( Block , Inc. ) for inadequate customer service, unfair practices, and failure to uphold federal consumer protection laws. Specifically, Cash Apps actions ( or inactions ) have violated the Consumer Financial Protection Act ( CFPA ), the Electronic Fund Transfer Act ( EFTA ), and Regulation E. 

1. Failure to Address Fraud Prevention : Cash App failed to take timely and effective measures to prevent or address fraud on its platform, leaving my account vulnerable and unprotected. This failure constitutes a breach of its duty to safeguard customer accounts and maintain the integrity of its platform, as required under the CFPA. 


2. Unfair and Deceptive Dispute Resolution Process : The dispute resolution process employed by Cash App was neither fair nor transparent. Cash App failed to comply with the error resolution requirements mandated under the EFTA and Regulation E. Specifically, these regulations require financial institutions to promptly investigate and resolve disputes regarding unauthorized transactions within specified timeframes. Cash Apps noncompliance with these standards has exacerbated my financial loss and caused undue stress. 


3. Significant Inconvenience and Financial Loss : Cash Apps inadequate handling of these issues has caused me significant inconvenience, financial harm, and an erosion of trust in their services. As a customer, I expected fair treatment and prompt resolution, neither of which was provided. 



Request for Redress : I seek appropriate redress for the violations outlined above, including but not limited to : Reimbursement for financial losses incurred as a result of unauthorized transactions. 

Compensation for the inconvenience and emotional distress caused by the inadequate handling of my case. 

Assurance that measures will be implemented to improve fraud prevention and dispute resolution processes to prevent similar issues for other consumers. 


By failing to act in accordance with federal laws designed to protect consumers, Cash App has failed in its duty to uphold fair practices and ensure the safety of its users accounts. I trust that this complaint will be taken seriously and that corrective actions will be implemented. 

Sincerely, XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

boa did nothing even thru all my payments have been on time
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/2019 I called Experian to request and paid with my credit card for my 2019 Credit Score. The cost was {$7.00}. I was informed that I would receive my score with-in 5-7 business days. As of this date, XXXX XX/XX/2019, I have not received my score I have written Experian three times without no response from them. I attempted to call Experian but the telephone menu will not allow you to speak with a live person. I have a copy of my credit card statement reflecting the charge of {$7.00} but no credit score from Experian Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Home : XXXX Email : XXXX XXXX
Product: Debt collection

I do not know what hospital bill this is ... because i paid over {$300.00} already
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act convergent account number XXXX has violated my rights and it has code 15USC1681 Section 602A, states I have the right to privacy. 15USC1681 section 604A Section 2, also states a consumer reporting agency can not furnish a accounts without my written instructions. 
Acct # XXXX XXXX XXXX XXXX openXXXX  chg off/closed XX/XX/XXXX shows activity XXXX  XX/XX/XXXX shows XXXX XXXX  XXXX co/co/co shows a pmt of XXXX on XX/XX/XXXX XXXX On XXXX shows different date closed XX/XX/XXXX. Amt owed XXXX this is not my acct. The same acct also shows as a XXXX XXXX XXXX XXXX # XXXX status date XX/XX/XXXX owe XXXX. This is incorrect information and a violation fo the law. This is not my acct. please remove from my file. XXXX # XXXX open XX/XX/XXXX chg off/closed last pmt. XX/XX/XXXX closed XX/XX/XXXX chg off/closed Owe XXXX this is not my acct. XXXX # XXXX Open XX/XX/XXXX XXXX off/closed last pmt. XXXX XX/XX/XXXX pmts. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX of XXXX and closed XX/XX/XXXX this is illegal these dates are bogus. XXXX # XXXX shows XXXX XXXX XXXX open XX/XX/XXXX not my acct. Inquiry XX/XX/XXXX XXXX not mine I did not authorize this. Please remove these incorrect items from my file. It's causing harm to my credit life.
Product: Credit reporting or other personal consumer reports

I sent the below information and have not received it as I have received a copy of my credit report only. 

In accordance with the FCRA, it is your responsibility to verify the accuracy of the disputed information with the creditor. To facilitate this verification process, I am requesting a copy of the original promissory note for the student loan. This document will help confirm the details of the loan agreement and ensure that the information being reported is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My records associated with the account AMERASSIST, with account # XXXX, do not complement with what the Credit bureaus may claim as a " validated as accurate ''. I had also requested the actual proof, physical firsthand documentation of the payment history and proof of last payment to AMERASSIST but I did not receive what I asked and these violations persist on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX, has violated my rights. XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Bankruptcy 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: Debt collection

I owed this debt a long time ago -- My name is XXXX XXXX I started this XXXX must of paid a few months the car broke down after I passed it on to someone else to take over payments the car broke down on him the car broke down completely was not able to be fixed so the car was re-possessed and it was sold at auction -- for whatever it was worth -- I am not able to pay for a car I don't have and I'm not going to be able to drive this was since right after XXXX must have been XXXX so this Santander is selling this debt to other companies to try to collect that have called me before- and everytime they try to collect they show up on my credit report now it shows up as a brand new bill as of XXXX it is not a new bill so everytime a new bill collector gets it I get so many points off on my credit score but it is the same bill-I don't think that is correct that the same collector every year or maybe half a year shall be taking points off my credit score just because one doesn't collect so they pass it on to someone else -- do you -- so more points comes off my report??
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date on XX/XX/year>. Since then, the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This is inaccurate information that falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding the deletion of the following account : XXXX XXXX - Account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 and XX/XX/23 I sent a conditional acceptance to Navy Federal Credit Union ( NFCU ), asking for proof and verification of the alleged credit card debt and alleged personal loan debt. In these documents NFCU tacitly agreed that any negative credit remarks would be removed from credit bureaus. 
NFCU failed to provide satisfactory evidence of valuable consideration or any valid contract for the alleged debts ( both accounts ), and has refused to remove the negative credit reports from my accounts at the credit bureaus as of XX/XX/23.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reviewed my credit report and I noticed some inquiries that are not mine. 
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: Vehicle loan or lease

I am writing to request reimbursement for a rental car. My car had a manufacturer 's issue and was in the shop for two weeks. I reached out to Mercedes-Benz USA and was approved for a rental since the dealership had no loaners available. In these situations, Mercedes ' policy stipulates covering a rental car while the car is being repaired. I have talked to multiple agents who indicated that the responsibility for reimbursement falls on the dealership. I am seeking full reimbursement for this issue that occurred in XX/XX/2022. Detailed below are the actions taken to recover the rental costs ( {$970.00} ). Detailed phone records show when I reached out and the response given by each agent. 

XX/XX/2022 : Approval from Mercedes-Benz USA and given case number regarding renting a vehicle while vehicle in XXXX XX/XX/2022 : Car Rented from XXXX XX/XX/2022 : Sent approval from Mercedes to Service Manager handling this case at XXXX XXXX : XXXX XXXX ( XXXX XXXX The rental was returned on XX/XX/2022 and the final invoice was sent to XXXX. 

XX/XX/2022 : Message sent via text to XXXX requesting an update on reimbursement XX/XX/2022 : XXXX indicated to Mercedes that he never received a C1A to submit rental reimbursement From XXXX customer service - Email sent to the dealership on XX/XX/XXXX -- reimbursements go through dealership No updates since XXXX - agent advised that reimbursementgoes the dealership -- advised to submit a rental receipt, which was provided on XX/XX/2022 by email Called on XX/XX/XXXX -- told that reimbursements are handled by the dealership. Mercedes agent ( following my call in XXXX ) Documents were requested from the dealership in XXXX.
Product: Debt collection

I have already filed a report against this company with you and I will follow up today with the attorney generals office. Midland Credit Management has been notified via certified mail from my family in Rhode Island ( with return receipt ) and by me ( through you and other reports ) that they are sending mail belonging to me to my family 's home in XXXX XXXX when I have repeatedly given them my address in XXXX XXXX 

At this point, the reports are to document the harassment and their direct flouting of the laws established by the Fair Debt Collection Practices Act. I am documenting this as I pursue the possibility of a lawsuit against them now as well.
Product: Checking or savings account

I attempted to resolve the XXXX fee on my checking account, in the past transactions Wells Fargo Bank explained there will no fee to my account if there was a negative transaction because I am not enrolled in the Over Draft Protection. In addition the bank charged me a pending/posted transaction that was made a week prior to my charge in which allowed my account to further go into the negative. That is a major cause for the XXXX fee. The representative where very rude and explaining a policy that had nothing to do with the charged fee. I am submitting this complaint in regards to false information given by Wells Fargo.
Product: Debt collection

I had an injury occurrence on my job at XXXX XXXX XXXX, XXXX My supervisor called an ambulance XXXX XXXX XXXX XXXX, XXXX XXXX. I was taken to the XXXX XXXX XXXX, XXXX XXXX I was later billed by XXXX XXXX. The debt was sold to Franklin Collection. 
The debt is {$1200.00} The injury took place in XXXX The debt is currently reflected on XXXX XXXX I have disputed this debt with no positive results in addition this is a medical debt that continues to remain on my credit report after the new ruling of XX/XX/XXXX XXXX
Product: Checking or savings account

On XX/XX/2019 I was scammed by a merchant who name is XXXX XXXX and her fianc XXXX XXXX out of {$180.00}. via XXXX. I asked for tracking information and got a fake tracking number. I immediately demanded a refund but was ignored. I opened a case with XXXX and the did nothing. I opened a case with my bank Discover Debit and they did nothings nor did they even bother to communicate their findings nor the outcome.
Product: Vehicle loan or lease

Hello! My name is XXXX XXXX. I purchased a new car in XXXX of 2020. The bank used was Wells Fargo. I seen there was a lawsuit and was wondering if I was owed anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ; XXXX Account # XXXX, XXXX XXXX  Account # XXXX, DEPTEDXXXX  Account # XXXX, XXXX  Account # XXXX, XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have rights 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.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they received my disputes.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Product: Debt collection

I was charged for services that I did not consent to.I went in for a specific test and XXXX XXXX at XXXX XXXX ran multiple test without my consent.The visit was on XX/XX/2020 with a follow up visit on XX/XX/2020. I was charged and billed for multiple test.I paid the bill for the test I went in for but not the others.I have disputed this bill with the medical company, insurance company and Dr. office, also I have had two different lawyers write letters to them and it has now gone to collections.Totatsl bill amount was {$910.00} and I paid {$58.00} for the test I went in for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that WAKEFIELD & ASSOCIATES have placed a collection/derogatory mark on my credit report, dated XX/XX/2014. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report much less add a collection account without a " permissible purpose, '' I am writing to inquire as to your alleged purpose, for doing so since I did not apply for employment with your organization nor did I request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC? 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { {$1000.00} }, whichever is greater ; ''
Product: Checking or savings account

On XX/XX/XXXX i opened acct with Vystar because i knew that my Tax refund was being mailed and i would need what i thought was a reliable bank. On XX/XX/XXXX i received my Income Tax return in the mail and went inside my local Vystar and spoke with Branch Mgr. XXXX XXXX ( XXXX branch XXXX Fl ) about depositing said check at which time i was informed that the check would be put on a 7 buss. day hold and i agreed. Today XX/XX/XXXX Vystar locked my account and informed me verbatim " the check is fraudulent and law enforcement is involved ''. That IS FALSE info!! The check is completely legit so i called the IRS and they informed me that the check was not only a valid check but had already been paid to Vystar. At this point Vystar is illegally holding my funds and denying me access to what's rightfully mine. This is a form of theft. Today i spoke with Fraud dept and was advised that i just have to WAIT... This is a unfair hardship on me and my family. At the bank today i again spoke to XXXX XXXX XXXX and she agreed that when she accepted the check she did her due diligence in verifying that the check was valid which it was. Today i showed her WMR.GOV ( where's my refund ) and after she witnessed me putting in MY Name, Social and CHECK amt she was again able to verify the authenticy of the check. The bottom line is that if Vystar claiming that this check is NOT mine then they're the FRAUD!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Texas Lending via their website to request their advertised Mortgage Pre-Qualification that they advertised as a soft credit pull that would not affect your score. The next day I got a credit alert that a hard credit pull had occurred, and it reduced my credit score. I investigated and found out that Texas Lending had done a hard credit pull without my consent. I tried several times to contact the agent who pulled my score, and she failed to respond. I finally was able to get a hold of her today, and she said that there was nothing she could do about it. 

The contact info for the agent is XXXX XXXX Mortgage Consultant XXXX Office : ( XXXX ) XXXX NMLS # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a child support agreement with the Texas AG in which I pay support. I have bi-weekly wage garnishments setup via the Texas AG office so I get them their payments ontime, every two weeks, for the last 10 years. Every so often they send incorrect information that I am late in my arranged payments. This is the problem : they made an agreement with me to collect every two weeks, but report ontime status on a monthly basis. This creates months where I am " ahead '' in payments and months I am " behind '' in payment. My complaint is based on the idea that I am fulfilling the arrangement they setup for payment. How can I be reported late for abiding by the payments terms they setup? I have sent multiple disputes to all 3 CRAs XXXX, XXXX, and Equifax. XXXX  has blocked this incorrect reporting, but Equifax and XXXX  continue to not investigate or actually review the terms, paystubs, and Texas AG records of 100 % on-time payments that I send.
Product: Debt collection

Yes I have been trying to dispute discount over two months now and this is really becoming a problem The account was open due to fraud I never opened this account oh every time I dispute this with the credit bureaus they keep verifying it as accurate the only reason they keep verifying it is accurate because of an address or the address where they are verifying is accurate is a Fraudulent address so i dont know what to do I sent him proof that I dont live at that address I sent my ID my bank statements everything and they still verified it as accurate I fell police reports And under 15 U.S. Code 1681i - Procedure in case of disputed accuracy they have to do a full thorough investigation that means everything and they havent did it
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 redress for these violations.
Product: Credit reporting or other personal consumer reports

on XX/XX/year>, thunderroad financial pulled a hard credit inquiry on my XXXX credit report, i did not give anyone on that date to pull my credit report, i aske company to furnish written proof that gave them authorazation in which they could not furnish, and i feel that this is possibl e fraud as i put a freeze on all my credit reports, i disputed with XXXX and they will not remove this inquiry, this company states they are a laon company for automobile industry, i have mot applied at any dealer or auto business, i dont have a loan with this company, credit was not granted, with anyone affiliated with thunderbird financial, i suspect fraudulant activity, unless they can prove my hard signature
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested multiple time to remove two hard inquiries from my Transunion report that were not authorized or was a misrepresentation of the company. The other two credit bureaus have corrected the information, Transunion seems to always refuse to do so. 

XXXX XXXX XXXX has sent them letters to request removal and I've sent the same letter of the request to them beginning in XX/XX/2022 and it still remains on my credit report as a hard inquiry. 

I've disputed XXXX XXXX XXXX XXXX XXXX XXXX which does not have any information or documentation of my agreement to access my credit report and Transunion is aware but refuses to remove the hard inquiry off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

NELNETs website is down every single month for days and wont let me submit a payment. Then they charge me a late fee when I wasnt late to submit a payment I was on time the website just doesnt me submit a payment and then it goes overdue. This happens every month and when I try to call them via phone their hold time is 3 hours long. They have no live chat support option and it is impossible to have someone at nelnet help you. Ive also had someone at nelnet hang up the phone on me after a 3 hour wait time.