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 very 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 ( 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

Filing a claim In reference to unfair and deceptive attempt to collect an invalidated debt. 
I never received a debt validation letter informing me of such debt. 
Including the amount they say I owe, or claim that I owe. The name of the creditor seeking payment, The statement that the debt is assumed valid by the debt collector, unless you dispute it within 30 days, of the first contact ( in which I was never contacted in no form. ) Statement that if you write to dispute the debt or request more information within 30 days, the debt collectors will verify the debt by mail. 
Statement that if you request information about the original creditor, within 30 days, the debt collector must provide it. The debt collector violated my right to disclose information relevant in a validation letter XXXX XXXX ) Not giving me 30 day notice to dispute the validity of said debt, they claiming that I owe. Un authorize invalidated use of information which resulted in marks that unfairly hurt my credit, defamation of character. therefore this complaint is true to date and further action will adhere following unfair, deceptive attempts to collect a invalidated debt.
Product: Credit card or prepaid card

I attempted to dispute a purchase for an item which arrived late and damaged, the amount of {$850.00} on XX/XX/XXXX. There appears to be no option to file a dispute on Comenity Bank site, a secure message was sent with details of transaction including late arrival and damage, no reply as of yet. A prior complaint was filed about this issue, Comenity rep referred me back to the merchant, XXXX XXXX, for resolution. Please note, I've been messaging the merchant for several days, weeks now, with no resolution. I requested a replacement part and credit for late arrival, I was only offered a small credit of {$50.00} with an extended warranty or a credit of {$75.00}, both with no replacement part.. I requested sale price of item as it was later on XXXX XXXX sale, as well as {$100.00} credit with replacement part, in which case both requests were denied. Their rep, XXXX, has been messaging me for several days, the last messages agreed to a replacement part but no credit, would not install part.. My last reply requested a return and refund in full, she requested a picture of a white tag on unit which there isn't one present. The item was supposed to arrive on XX/XX/XXXX between XXXX and XXXX XXXX, I was not living at the address at the time and had to make a trip over at XXXX XXXX, waited until XXXX XXXX  with a no call/no show driver. I called next day on XX/XX/XXXX, had to call and text driver several times before reaching him and getting an estimated delivery time of XXXX XXXX, had to make a second trip over that night ... When I moved in on XX/XX/XXXX, the unit was found to have several scratches on glass burner, reported to XXXX XXXX rep and promised a replacement part ... .I 've been messaging their rep ( s ) ever since with no resolution and request to dispute item.
Product: Credit reporting

I have an inquiry on my credit report that i have been disputing for several months. I have asked for proof that I submitted for credit and nothing has been provided to me. I do not recall applying for credit and the company has responded with nothing to supply to me.
Product: Credit card

Alliant had automatically deducted from my XXXX account the full statement balance than just the minimum payment as I had swapped over to in early XXXX as I intended to utilize the 0 % balance transfer offer to it's fully extent for a year. I received confirmation on the website that the swap to minimum payments was a success and thought that would be the end of it. A month later on XX/XX/XXXX, I discovered my XXXX account was deducted {$14000.00} ( the full statement balance ) which resulted in overdraft fees along with a potential returned item fee from Alliant despite me not giving permission to deduct the full amount. I am annoyed as I was also charged a {$450.00} " balance consolidation fee '' on XX/XX/XXXX when I took on the balance transfer offer and had a plan to negate the fee throughout the next few months but this was cut abruptly short recently after barely a month since taking on the offer ( the terms were for a year at 0 % apy and just the balance transfer fee ). I'm left suddenly scrambling to get the funds to stop the overdraft fees due to the automatic payment which was supposed to have it's authorization revoked to just making minimum payments to the card. It's ironic as I made the minimum payment on XX/XX/XXXX and saw no notice on the website I would be deducted the full statement balance. The " Automatic Payment Category '' even says " Minimum payment due from checking ''.
Product: Payday loan, title loan, personal loan, or advance loan

A loan was fraudulently obtained in my name. This loan was for a foreign airline in a different country by someone I do not know. I derived no benefit from this loan. The merchant agreed. When I relayed this information to Affirm they refused to take action, conduct a proper investigation, or charge the proper person. Instead, Affirm created a XXXX process where the cynically demanded information that does not exist to exculpate. I am not the person listed on the ticket and do not know any such person. How can one prove this?
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRY : XXXX XXXX XXXX XXXXXX/XX/year> XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I received XXXX pieces of mail from Tate & Kirlin Associates, Inc, XXXX, XXXX, PA XXXX. I believe this debt collection to be fraudulent because the creditor is one I have never heard of. 

Additionally I have tried to get in contact with this company via both phone numbers listed on the bill as well as the company 's website. All attempts have failed.
Product: Credit reporting or other personal consumer reports

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my accounts. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the company linked to these accounts, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my accounts to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments. It is perplexing to me that while other credit bureaus have already rectified the status of these accounts, your bureau continues to report these late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. Please UPDATE and CORRECT the accounts : XXXX XXXX  XXXX. XXXX, XXXX BANK XXXX. XXXX, SELF FINANCIAL/LEAD XXXX, SELF FINANCIAL/LEAD XXXX, XXXX BANK XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, So I placed my freeze on equifax and XXXX and yesterday the loan officer for my mortgage asked me to unfreeze it which I already did after login on to the portal. 
He tried pulling my score but has been unsuccessful ever since. 
There is nothing wrong with my data because the loan officer is able to pull my score from experian so it tells me that the input data is correct. 
I called up equifax and i online chatted with XXXX and they confirmed that the freeze is lifted. 
I do not have any other ideas as they keep telling me that there is no issue to pull the score but my loan officer has sent me image evidence that the scores do not show. 

I am not able to proceed with my mortgage application which is very critical for me right now. Could you please help?
Product: Credit card or prepaid card

I did not see the direct deposit option when signing up for unemployment benefits through the State of Maine, so they sent me a US Bank Card. I have since changed my information with the Maine department of Labor - they are now doing direct deposit. However I have XXXX on the US Bank card I wish to transfer into my bank account. I do not wish to use the card provided by the government. However when I log on to US Bank to inquire about closing the card account and transferring the funds, they only provide a phone number to call. ( XXXX ) When i call this number, I am disconnected after a few minutes ; I am never able to talk to someone about my card or this problem. There is no email to contact US Bank Reliacard staff.It feels a lot like fraud as every number included on their letter XXXX including the one for the CFPB XXXX ) disconnects you after you call it.
Product: Bank account or service

i didnot sign up for this service i got your letter ref # XXXX and looking for a refund I XXXX XXXX CARD ending inXXXX
Product: Credit reporting or other personal consumer reports

NOTICED A ACCOUNT THAT DO NOT BELONG TO ME, THIS ACCOUNT IS A FRAUD ACCOUNT.
Product: Consumer Loan

I have been called by Chrysler Capital XXXX or XXXX times over the past 2 months saying that my lease payment is late. Then, they look at my file and realize that they have called me in error ( I have automatic payment set up and have never paid late ). Each representative that I talk with says that they will fix their system and stop calling me. I 'm being harassed and I 'm worried that their accounting problems are going to impact my credit history.
Product: Debt collection

Hi, i have never received any information from this company Midwest Recovery until it showed up on my credit report. I have called the number showing with no connection. Even the credit report shows date of open XX/XX/XXXX with status update on XX/XX/XXXX. Midwest recovery has never contacted me by mail, phone, or email.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have stated that the following inquiries where done by someone who had stolen my laptop all were done online without my knowledge or authorization. Please Delete all the unauthorized inquiries listed below. 
EXPERIAN - XXXX XXXX XXXX on XX/XX/XXXX EXPERIAN - XXXX XXXX  on XX/XX/XXXX EXPERIAN - XXXX XXXX XXXX  on XX/XX/XXXX EXPERIAN - XXXX on XX/XX/XXXX EXPERIAN - XXXX on XX/XX/XXXX EXPERIAN - XXXX XXXX XXXX XXXX on XX/XX/XXXX EXPERIAN - XXXX XXXXXXXX on XX/XX/XXXX EXPERIAN - XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX EXPERIAN - XXXX XXXX on XX/XX/XXXX EXPERIAN - XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX EXPERIAN - EXPERIAN XXXX XXXX on XX/XX/XXXX EXPERIAN - XXXXXXXX XXXX XXXX  on XX/XX/XXXX EXPERIAN - XXXX XXXX XXXX on XX/XX/XXXX EXPERIAN - XXXX XXXX on XX/XX/XXXX EXPERIAN - XXXX XXXX on XX/XX/XXXX EXPERIAN - XXXX XXXX  on XX/XX/XXXX EXPERIAN - XXXX XXXX on XX/XX/XXXX EXPERIAN - XXXX XXXX  XXXX on XX/XX/XXXX EXPERIAN - XXXX XXXX  on XX/XX/XXXX EXPERIAN - XXXX XXXX XXXX on XX/XX/XXXX EXPERIAN - XXXX XXXX  XXXX on XX/XX/XXXX EXPERIAN XXXX XXXX XXXX, XXXX XXXX on XX/XX/XXXX EXPERIAN - XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX - XXXX XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX  - XXXX XXXX XXXX on XX/XX/XXXX XXXX - XXXX XXXX on XX/XX/XXXX XXXX - XXXX XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX  - XXXX XXXX XXXX on XX/XX/XXXX XXXX - XXXX XXXX  on XX/XX/XXXX XXXX  - XXXX XXXX on XX/XX/XXXX XXXX - XXXX XXXX on XX/XX/XXXX XXXX - XXXX XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX - XXXX XXXX XXXX  XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX - XXXX XXXX on XX/XX/XXXX XXXX - XXXX XXXX on XX/XX/XXXX XXXX - XXXX XXXX on XX/XX/XXXX XXXX - XXXX XXXX on XX/XX/XXXX XXXX - XXXX XXXX on XX/XX/XXXX XXXX - XXXX XXXX on XX/XX/XXXX XXXX - XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX - XXXX XXXX on XX/XX/XXXX XXXX - XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX - XXXX XXXX on XX/XX/XXXX XXXX - XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this complaint in regard to the following, account JCPMB Card. This account was obtained fraudulently on or about the date of, XX/XX/2021 with a credit limit of {$5000.00}. I've spoken directly with representatives of the company and explained that this account was opened fraudulently as well as sent in supporting documents such as proof of identity, FTC reports and proof of address. However, this account is still being reported as a charged off account with a balance of {$3000.00}. It is also reporting inconsistent and inaccurate information on all credit reporting agencies ; and according to the FCRA and FDCP these are violations of the 623 ( b ) and Section 807, as well as your company 's Regulation V. The company insists that the account belonged to me in spite of having evidentiary proof that it does not. This account is having an extremely negative impact on my livelihood.
Product: Debt collection

I sent a complaint to XXXX XXXX and Meridian Financial Services and they have not removed this items that is not mine. This should be illegal. I sent out letter on in XX/XX/2023 and received not response. I sent out a demand on XX/XX/XXXX and XXXX XXXX did respond but Meridian did not. Today XX/XX/XXXX I reported Meridan to the XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX  XXXX  id XXXX is reporting incorrect information to transunion. it is reporting 149 days late from XX/XX/2021 to XXXX XXXX and it is over 300 days late. please close account and remove from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX  XXXX are improperly reporting on XXXX experian and XXXX credit bureaus.XXXX ... ..WAS INSURED BY XXXX and was covered at time of service.XXXX ... ... was covered by XXXX XXXX ' XXXX XXXX policy ( my mother ) at time of service.I have enclosed the XXXX policy card and the verifications by experian and XXXX.these debts should not be on any credit file as they are insured and the result of error.
Product: Mortgage

There has been two ongoing issues related to insurance and property taxes. The insurance has been ongoing since XXXX 2016 and the property taxes for about 4 weeks now. In XXXX, I received a letter from Round Point Mortgage requesting documents of hazard insurance of my property. I called RoundPoint and spoke to one of the representatives who gave me instructions to send my HOA documents via email to their insurance department. As requested, I had emailed my documents that same day. Found out in XXXX, Round Point had charged me for Hazard Insurance which made me fall on a " shortage '' on their escrow, increasing my XXXX mortgage more than {$400.00}. I called and followed up with RoundPoint explaining that I had already submitted these documents to provide proof to them. One of the representatives could not locate my files or even my email that I sent. After being placed on hold for more than an hour, they were able to transfer me to the insurance department and was able to locate my email with all the documents to then add on to my profile. I was told to give it about 2 days for them to work on removing the hazard insurance they had charged me, but until today, I am still following up with them and it has yet to be done on their end. As far as property taxes were going for XXXX, there were XXXX taxes total ( XXXX secured, XXXX supplemental taxes ). Of the XXXX, I had paid the XXXX half of the secured tax and XXXX of XXXX of the XXXX supplemental taxes. I requested RoundPoint to pay the rest, although they ended paying all of the supplements, after I explained I had paid for the XXXX half already, I was avoiding having to have a large " shortage. '' The representative explained it would take up to 4 weeks until the county would refund them what they 've paid for. I continued checking the online status of my property via XXXX County website on the property tax payment. They had never posted Round Point 's payment that claimed to have paid on XXXX XXXX, 2016. It only shows the XXXX payments I had made on XXXX XXXX and XXXX XXXX, 2016. I called Round Point again to explain this to them, when one of the representatives explained to me that I should call back on the due date of those property taxes ( XXXX ) and if the county did not receive their payment, to follow up with Round Point again. I called XXXX and spoke with another representative to explain the county had not received their payment and now accumulated late fee for the XXXX half of the tax. The lady informed me to download my billing statement and provide this to my county, which I thought was Round Point 's responsibility to have taken care of this matter. Today, I am left with no resolution to both these issues with what the county looks at unpaid property taxes from my lender and hazard insurance was issued by my lender 2 months after I had provided them proof of documents these were covered through my HOA.
Product: Credit reporting

I have noticed multiple inquiries on my credit card report even for my employment where I 've been for the past 4 years. These are fraudulent and I am requesting they be deleted immediately. There are 10 inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian was sent a dispute letter XX/XX/2020 regarding an account from XXXX XXXX XXXX in the Amount of : {$1600.00}. ( acct # attached a copy of the police report filed in an identity theft case that was opened. Both XXXX and XXXX have sense removed the account, yet Experian has not when I made it very clear that potential fraudulent activity on my credit report was being investigated.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX. 
XXXX XX/XX/XXXX Bankruptcy - XXXX XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX This inquiry was not authorized
Product: Debt collection

PNC bank claims that my son took out two loans using me as a co-applicant in XX/XX/XXXX totaling XXXX. He started making payments when the deferment period was over, however he was unable to keep up with it due to lack of income and as a result it was turned over to a collections agency XXXX XXXX XXXX. He again tried to make payments to them and once again fell short. They then reached my husband by phone at home and discussed the situation with him without my consent and caused more stress and harm to his health. I then took over and agreed to help my son by making monthly payment from XX/XX/XXXX thru XX/XX/XXXX when I lost my job. 

I contacted XXXX XXXX XXXX and let them know that I will not be able to continue making payments and the woman became outraged and told me that I have to make a full payment of {$27000.00}. ( approx. ) within a week. I explained that I can not afford that then she said she will settle for {$16000.00} ( approx. ). Again I couldn't afford it so I offer a one time payment of {$10000.00} using my credit card and she took it and processed it right away. However, she did not informed me that upon payment this will settle the debt against my son and myself until I asked. I was disappointed and betrayed so I had her reversed the payment for failure to disclose her intentions. 
I then started to seek help regarding these loans to I asked for proof of them loans and PNC bank was able to provide me with only one promissory note for XXXX and I haven't anything on the other loan they are claiming. I never benefitted from any of these loans. 
I have no direct communications with PNC bank but XXXX XXXX XXXX representative made a false statement to them that I agreed to pay and settle for {$10000.00} to have my name removed. Now PNC bank attorney drawn up an agreement for me to make payment and settle which I did NOT agree to.