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

This is for Cashapp. 

On Thursday, XX/XX/year> at XXXX I got paid for a job I did on XXXX. The total amount of this money is XXXX usd dollars. I sometimes send it to my cashapp account with no problem for the past XXXX years now. My cashapp account has never rejected a payment before from XXXX. Its under the same username as known as cash tag name. I realized at XXXX on XXXX XX/XX/year> when I got a text from cashapp that your direct deposit of {$600.00} has been returned to the originator. I waited until XXXX to address the matter for that is when their live agents are scheduled to start working. I addressed the matter like I said at XXXX ( XXXX hours after seeing the text ) and I was told it was for my safety. I find it interesting that now they care about my safety but couldnt solve other issues that was really a concern for me. Moving along, I explained to XXXX which was the agents name who spoke to me on the matter in the cashapp chat. XXXX explained to me but not in a nice way nor in a way that was detailed. The information provided to me was very vague and not helpful towards my matter for it didnt make sense towards what my actual problem was. I further asked for more information on the matter and XXXX changed it to me having unusual activity. Like I said Ive never had a problem before on transferring funds from my XXXX to my cashapp so thats why I was confused why cashapp concluded that this was a form of unusual activity. Unfortunately, now I have to wait more days to get my money back to my XXXX account. I spoke to the XXXX through email and I told them exactly what happened and my issue. Still no progress. The same generated response by someone name XXXX. It went from looking for my safety to Im restricted of certain features. So like which one is it? Hence, this has to be resolved and throughly looked into more than just cashapp because plenty of people like me have been having problems with cashapp and they are not taking responsibility nor accountability for their actions.
Product: Payday loan

I set up a date with the collector from ez money payday loans to pay a settlement amount he couldnt do it the same day because they were still trying to collect it from my account the collector called me a day early, then called me the next day. I tried to pay it and he decided to raise the amount by {$50.00} then refused to take anything less which I could n't pay. Now they are calling me at least XXXX a day on the same number which I have told them several times is inconvient to me.
Product: Credit reporting or other personal consumer reports

My payment has been on automatic pay for the past five years for XXXX dollars paid on time every Month. 
When I did a balance transfer and the payment amount changed they never reached out to me and his me with a 30day late on my credit report when I paid on time every month through autopay but the amount was wrong. They did not reach out. 
My payment was never late. It was just the wrong amount.
Product: Debt collection

On XXXX XXXX a debt verification letter was sent certified mail to Capital Management Services LP. Due to the alarming high amount of fraud purported by debt collection agencies specific information, outside of what was initially provided, was requested by me. I am making this complaint to let it be known that communication was sent to this debt collector. Out of all the things requested in the debt validation letter a copy of THE PURCHASE AGREEMENT is the most essential to validationof the alleged debt. I require a copy of the purchase agreement so I may with my own eyes see that the original creditor has stated a claim of accuracy relating to amount of the alleged debt. I believe the company in question will have no problem producing the documents that I am requesting, seeing as they have made claims that they do have full right to collect on the alleged debt.
Product: Credit reporting or other personal consumer reports

This account listed on my Equifax report only showing account number -- XXXX which is a scrambled version of the account ending XXXX. This account has not updated on Equifax since XX/XX/year> and the balance at the time was {$1000.00}. The balance now XX/XX/year> is {$200.00}. A vastly different amount the history of the last 8 months and the payments are also missing. I have asked repeatedly to have this updated. I am constantly ignored.
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 Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Student loan

Mohela took over servicing of XXXX private loans. I submitted my School Misconduct Dismissal Application along with proof that I filed for bankruptcy as a result of this predatory lending.

My application was not approved and clearly should have been. The practices they are implementing in deciding on applications is not made known at all and no reasons are given. I clearly qualify for dismissal.
Product: Credit reporting or other personal consumer reports

COMPANY TRANS UNION AND XXXX, THAT WAS BUILT OFF OF SLAVERY, CONTINUES TO BREAK THE LAW BY VIOLATING MY CONSUMER RIGHTS. TRANSUNION IS FULLY AWARE THAT THEY ARE BREAKING THE LAW AND CAN BE SUBJECT TO A CIVIL SUIT DUE TO THEIR NEGLIGENCE. TRANSUNION AND XXXX HAS VIOLATED 15 US CODE 1611 - CRIMINAL LIABILITY FOR WILLFUL AND KNOWING VIOLATION. THIS MEANS TRANS UNION IS VERY AWARE OF WHAT THEY ARE DOING AND DOES NOT CARE ABOUT THE CONSEQUENCES. I HAVE ASKED THE COMPANY TO REMOVE FRAUDULENT ACCOUNTS AND INQUIRIES OFF OF MY CREDIT REPORT FOR YEARS ( SINCE XXXX  ) SUCH AS ( XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX ( THAT WAS REMOVED AND NOW HAS RE-APPEARED AGAIN ). COMPANY TRANSUNION AND XXXX AGAIN HAS VIOLATED 15 US CODE 1611- CRIMINAL LIABILITY FOR WILLFUL AND KNOWING VIOLATION. WHICH MEAN YOU HAVE VIOLATED AND YOU REFUSE TO REMOVE, WHICH YOU ARE NOW AWARE THAT YOU ARE BREAKING THE LAW. PLEASE REMOVE ALL FRAUDULENT ACCOUNTS SUCH AS XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ACCOUNTS ), XXXX XXXX XXXX AND ALL FRAUDULENT INQUIRIES OFF OF MY CREDIT REPORT.
Product: Checking or savings account

Referred here by FTC. XXXX XXXX are holding over {$150.00} worth of my funds and won't return them. My bank will not reverse the charges.
Product: Credit reporting or other personal consumer reports

XXXX never updates my credit report which makes me debt to income ratio higher on my credit report. My credit report has not been updated since I last did a dispute with my credit bureau of XXXX back in XXXX. It is XXXX and my credit report still has not been updated. Also, they charge me late fees before my ten day grace period. I still believe I should have not had no late fees or charges at all this year. 
Every time I make a payment within my grace period it does not show on the bill until days later. You all did this to my XXXX bill as if I was late and I have a email saying it was paid within the grace period but the bill shows that XXXX is the last payment. 
You all are charging people for late fees and writing incorrect bills when payment is made timely.
Product: Debt collection

I checked my telecheck report and was advised that I have 3 collections showing on there from XXXX for XXXX and 2 in XXXX for XXXX. I sent in a dispute with Telecheck and advised them that I do not write checks for anything and the transactions was fraud. Telecheck did their investigation and removed off the 1 for XXXX XXXX but the 2 for XXXX are still showing active. Since I have communicated with them they all of a sudden sent the collections account to a 3rd party recovery service TRS. From XXXX it has been with TeleCheck this whole time and when I communicate and dispute the accounts they want to send it to a collection company. The collection company TRS has now obtained the accounts and since added additional fees in regard to the 2 remaining accounts. I have submitted my complaint with TRS on their site along with sending in the Forgery/ Identity theft declaration form that they sent in my packet to advise me that they have obtained the accounts.
Product: Debt collection

I found a collection on my credit report. I called the company to tell them it is n't mine. I had already filed a police report with a different collection agency last year. This debt keeps recurring from different collection agencies. Although I offered to send them a copy of a police report made on the same debt last year, they insist I complete their " packet '' so they can investigate. When asked how long this would take, the answer was that they did n't know ; it would take as long as it takes. I feel like I am fighting an uphill battle with these people. The address where the debt originated is on their report, but they say it is my responsibility to prove I do n't there.
Product: Money transfer, virtual currency, or money service

I have a relatively significant amount of bitcoin stored in a digital vault housed with Coinbase. They require approval from two email addresses that I setup to move the bitcoin out of the vault into my virtual wallet. I no longer have access to one of the two email addresses and therefore do not have access to my bitcoin. I emailed Bitcoin one month ago on XXXX XXXX requesting they help me. They responded and said my case required a specialist and it would be a priority for them to help me. Nothing has been resolved. Its a lot of money for me not to have access to for so long.
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 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 collections account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$10000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX 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 # ( private case number ) 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: Money transfer, virtual currency, or money service

XX/XX/2020 ( {$25.00} ) : Paid seller via Venmo {$25.00} for a product. 
Seller substantially misrepresented and falsely advertised the product/ did not provide what was purchased. Seller has refused to refund or provide the product that was purchased. 
XX/XX/2020 : Opened chat support with Venmo agent XXXX XXXX for support ( ticket # XXXX ). Was informed Venmo would reach out via email if any information was necessary, but no other information was provided. 
XX/XX/2020 : ( {$25.00} ) : Transaction from Venmo posted to my checking account, withdrawing {$25.00} from said account. 

Seller committed fraud. 
Merchant ( Venmo ) offered no apparent protections for the purchasing/sale of goods via their platform.
Product: Credit reporting or other personal consumer reports

These furnishers continue reporting false, inaccurate information on my credit report. Transunion, XXXX and XXXX continues to report the inaccurate information on my credit report that violations of my rights under the FCRA. In addition, here are some of the laws that continue to be broken at my expense! 
- Per Section 623 15 U.S. Code 1681s2 : 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.

- Per Section 623 ( a ) and 623 9 ( a ) ( 2 ) : Duties After Notice of Dispute from Consumer. If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. 
- Per Section 623 ( a ) ( 5 ) : Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts.

- Per Section 623 15 U.S. Code 1681s2 : 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.

- Per Section 623 ( a ) and 623 9 ( a ) ( 2 ) : Duties After Notice of Dispute from Consumer. If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. 
- Per Section 623 ( a ) ( 5 ) : Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts.

- Per Section 623 15 U.S. Code 1681s2 : 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.

- Per Section 623 ( a ) and 623 9 ( a ) ( 2 ) : Duties After Notice of Dispute from Consumer. If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs.

- Per Section 623 ( a ) ( 5 ) : Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries done by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX  were not authorized.. I have never been contacted by this company either which leads me to believe that is all some sort of error. Please look into this matter for me and delete this information or provide me with documentation that proves this inquiry was authorized or delete it from my credit report
Product: Mortgage

to start with, i put a complaint in your company back around XXXX or XXXX when i spoke to someone at that office he did see the complaint and at the time, your office did nothing about it. he now told me that the office has gotten better and something is done about it. the items i am attaching maybe some of what i sent the first time. i was ejected out of my home that was worth more than what i owed. they have sold my house for more than what was owed and i have not recieved XXXX cents for the overage. i want my house back or i want double the money they sold it for. the documentation i am sending you shows how i was trying to get a loan modification under the XXXX program, ( which i attached the guidelines ) and they did not follow any of the rules. they were over and over asking for conditions or as you may know them as documentations and on the same day, asking me for conditions. i never ever recieved anything stating i was denied and the proof is how they are autioning off my home and asking for conditions. I hope this is not just another runaround like i got all those years. FROM XXXX XXXX, OCC, XXXX XXXX XXXX, XXXX, Legal Aide and even your office at the time. the sad part was I had no extra money to hire an attorney and that is what the banks knew and of course all the offices i just mentioned just bounced me and did nothing. I had just lost my husband and put out on the street. for answers below, foreclosure YES, concern about foreclosure THEY DID IT, FYI, i have done modifications for people, if your home is worth more than what you owe, they will not give you a modification!!!! i saw it happen including mine. I would just like to see if anything changed and if I really get HELP this time! I did not get any help from XXXX till XXXX.
Product: Mortgage

On XX/XX/XXXX I applied for a home equity line of credit ( XXXX  ) through Bank of America for approximately {$100000.00}. 
After over 3 months and complying with multiple requests for additional documentation, Bank of America decline the application which we had to call Bank of American ( on XX/XX/XXXX ) to find out that this decision was made back on XX/XX/XXXX. 
I believe Bank of America was not acting in good faith in the processes and had little to no intent to offer us a XXXX. 
Additionally, 2 weeks before the declined decision was made, a team from Bank of American called to confirm the details of the loan including the rate, the total amount of the credit line, and details of rate reduction incentives they were going to offer ( e.g., autopay discounts, payment from a Bank of American Checking account discounts ) Taken together, this is evidence of their deceptive and abusive processes and likely an potential attempt to wait for market interests rates to increase, which they did drastically, between the original date of application and XXXX. 
I have contacted Bank of America twice. Spoken to multiple people and filed multiple complaints. I have not heard anything back from them either in the form of additional details or potential resolutions.
Product: Checking or savings account

On XX/XX/2020 I opened a checking account with M & T bank for a promotional offer of {$400.00} for maintaining a balance of {$10000.00} for 90 days. I used promotion code " CG '' with the in-branch representative. The application went through and my account was opened. After maintaining the balance M & T is refusing to honor the bonus citing the following : " My research shows this was a special promotion and the offer is non-transferrable. Only the person receiving the promotion qualified for the bonus and as a result, we are unable to offer this promotion to you. I apologize for the misunderstanding. '' This issue wasn't addressed to me at the time and the system proceeded with opening my account and accepted my deposit. The system should have rejected the offer code if I wasn't eligible and not open the account. Instead M & T chose to accept my monies for their use. They have used the capital to make money while the consumer is left with nothing.
Product: Checking or savings account

I was about to make a purchase via XXXX for {$4.00} each for XXXX face cream products. After I read that I would be automatically billed monthly for {$79.00} I IMMEDIATELY closed the window, closed XXXX, and did NOT complete the transaction. Later I see XXXX charges from this company for {$120.00} and {$120.00}. I called PNC and they canceled my debit card, filed a fraud claim, and refunded my money. Then they reversed their decision and paid the criminals, taking the money out of my account again. I called again XX/XX/2022 and spoke with a supervisor who said not to worry, that I did not authorize the purchase, I never received any product, I filed fraud immediately when it happened, and notified my bank. My money was once again returned to my account from PNC, and I thought it was all taken care of. Come XX/XX/2022 PNC once again reversed their decision and took MY MONEY out of my checking and paid the criminals for stealing my money. I noticed the reversal and called thr bank on XXXX XXXX weekend and told I could leave a msg with the fraud dept. A supervisor did call me back, told me she would look into this nonsense and told me that she had seen a lot of fraud like this claiming people had actually made a purchase when they in fact never hit the final purchase button. This PNC fraud supervisor told me its a click bait, that they record my keys so even when i backed out and never made the final purchase button that they STOLE my financial info and illegally made a purchase stealing my money! She went on to say that in my case they could not reach the company by phone as it was fake, they had a bogus website, and did not reply to their inquiries. When I called approximately XXXX XXXX I was told that the time to file a claim had passed. Ah no it hasn't, this is the SAME FRAUD CLAIM, not a new claim! I want these crooks punished and stopped from robbing poor people like me!
Product: Debt collection

Southwest credit systems is reporting a debt on my credit report and I never had a account with this company please verify this information with the original contract signed if this information can not be provide please delete all inaccurate information also please fill out attached documents and return then.
Product: Credit reporting or other personal consumer reports

I have XXXX accounts that. Do not belong to me on my credit report XXXX. And Montgomery ward. I've asked both companies to send me proof of me signing any paperwork. For my ID been used to open an account. Neither company has replied back to me with any of the information.
Product: Debt collection

After receiving the defective equipment from the company XXXX they said I would have to write a letter to opt out of any agreement I sent the letter a on XXXX XXXX and they were supposed to remove me from remaining product out of my house and then I receive notice that XXXX had purchased them and took over any contracts or existing clients and they kept trying to charge me for something I had opted out and already discussed with the purchased company. I informed them if they installed equipment I would be willing to do a contract with brinks but no response from them. The payments stop for and then two years later they send a bill saying I owe them for the balance for the remaining period when I never received the services or anything after the first month. And they harassed me about paying this for months during the pandemic. I told them the situation and they said our job is to collect a debt not talk to you about your problems so either pay or its going on your credit for 5 years.