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

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

XXXX wrongfully charged my Venmo account and took out {$600.00} and I never authorize this. I made it dispute with Venmo who took the money back from XXXX but did not put it into my account! 

VENMO TOOK THE MONEY AWAY FROM XXXX BUT REFUSES TO GIVE IT BACK TO ME! They have stolen my {$600.00} and refuse to listen!! The stress of this has been so great that I had just XXXX XXXX XXXXXXXX I need help or something even worse is going to happen!!
Product: Money transfer, virtual currency, or money service

A company calle Venmo  apparently allows people to set up accounts with anyones debit card. 
My checking account had XXXX withdrawn from it due to Venmo. I have never and will never open an account with Venmo and I would like to know how they allowed someone to open an account without verifying the card with the bank? 
The money was withdrawn from my account on XX/XX/2019 while I was in Mississippi. The Venmo   transaction took place in New York. 
My bank is now seeking legal means to resolve this issue.
Product: Debt collection

On XXXX XX/XX/2023 I received a letter from I. C. System, Inc. stating I owed {$310.00} to XXXX XXXX  and I. C. System, Inc. was a debt collector trying to collect XXXX XXXX  debt. I called them and found out that XXXX XXXX  was XXXX XXXX XXXX XXXX cell phone. I was also told that it was a commercial account. The phone number is supposed to be XXXX. 

I. C. System, Inc. recommended that I contact XXXX XXXX XXXX at the website XXXX XXXX XXXX  My browser will not let me connect to that site. It tells me that it is an unsafe site. 

I called XXXX XXXX XXXX Cell phone and they told me to write this note to their abuse email. I am also sending a copy to the FTC at www.consumer.ftc.gov and to the XXXX  attorney General web site. 

I have never had an XXXX XXXX XXXX XXXX  cell phone. I have never had a cell phone with the number XXXX. I have never had a commercial phone account. I have never received a bill from XXXX XXXX XXXX cell phone company. 

Somebody is illegally trying to obtain money from me under false pretenses. Please remove my contact information from this bill and contact the major credit bureaus about this fraud attempt and to remove any negative information about this so called debt. 

Cordially, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

My Son barrowed XXXX for XXXX school in XX/XX/2005. He was making his payments on his loan until they split the loan XXXX times. Now XXXX portion of the loan is up to XXXX He is no longer able to make the payments on this loan due to him XXXX over this. The harassment and hounding from these lenders is unthinkable. We now have to live our lives without him in it due to his student loans. These people should be held responsible in some way.
Product: Debt collection

On XX/XX/XXXX I went to check my credit, because I was preparing to buy a house, then thats when I noticed that my score was lo, and there were accounts on my credit that I didnt open.The following accounts were opened fraudulently : XXXX of XXXX, XXXX. was opened on XX/XX/XXXX with a balance of {$760.00} XXXX XXXX was opened on XX/XX/XXXX with a balance of XXXX XXXX XXXX was opened on XX/XX/XXXX with a balance of XXXX XXXX XXXX was opened on XX/XX/XXXX with a balance of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered my annual credit reports in XX/XX/XXXX, and it says its over 110 pages long with several unauthorized credit inquiries and hundreds of addresses. Standardly m

y report is 4 pages. I wasnt able to get my Experian report. 

I also did not receive monetary damages from the class action suit against Experian for data breach and improper access of my credit information beginning XXXX forward violating the Permissible Purpose Law Code 15USC Code 16816.

I have mental health problems and will need help sorting out these many many pages of data.
Product: Credit reporting, credit repair services, or other personal consumer reports

invalid and unauthorized reporting ... I reached out to National Credit Systems to let them know about all the different laws that were broken they repeatedly hung up in my face and refused to answer or return any of my calls. There was a lady named XXXX XXXX who was handling the alleged account, who told me that an account was illegally verified and was not going to speak with me any longer about the account and every time I reached out she would answer and hear my voice and hang up.This situation has had me very upset that I was denied the chance to even dispute information and is holding my family and I back financially and even is holding me up from finding work, I wish we didnt have to reach this point but I am wanting to bring this matter up because I know I am not the only person that has been put in this situation with improper and misleading reporting.
Product: Debt collection

The person keep saying they are looking for a person with debt I am not the person
Product: Credit reporting or other personal consumer reports

Auto Direct XX/XX/XXXX XXXX XXXX XX/XX/XXXX CAPITAL XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX NEBRASKA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX MOVEMENT MOR XX/XX/XXXX XACTUS-CP/MOVEMENT MOR XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 FRIENDLY XXXX XX/XX/XXXX CREDIT ACCEPTANCE XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX GLOBAL XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ALLY FINANCIAL XX/XX/XXXX CONSUMER PORTFOLIO SVC XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX CAPITAL XXXX AUTO FIN XX/XX/XXXX NOWCOM/WESTLAKE XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX BANK DELAWARE XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX CREDIT ACCEPTANCE XX/XX/XXXX NOWCOM/MOORE AUTO SALE XX/XX/XXXX SECURITY XX/XX/XXXX XXXX LOAN XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : The previous dispute was on XX/XX/XXXX todays date is XX/XX/XXXX and XXXX  is still refusing to remove the accounts that I have reported to them as fraud due to identity theft i have provided them police reports and they told me that the police reports haft to have all of the fraudulant items listed in order for them to even investigate it. I have also previously filed a complaint on them through cfpd this is my last time before seeking legal action XXXX  is in violation of my rights due to the negative items i am unable to get a job a place to live i cant get a car my previouse place of residence i was evicted because of my credit this is ruining me and affecting me mentally. The fraudulant accounts are. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In the description i have listed all of the fraudulant open /closed accounts and inquaries that are not mines they all need to be removed
Product: Student loan

In late XXXX I sent in my form online for mandatory forbearance as I am currently a XXXX XXXX. I was told id hear back in XXXX business days. I never heard back. I then called on XXXX separate occasions and the wait time on the phone was over XXXX hours. I left my number for a call back but I never got a call. I then sent an email explaining the situation and was told Id hear back in XXXX business days. I still have no heard back. My loan provider is Edfinancial. My loan payments are due on XX/XX/XXXX and there is NO WAY I can afford to pay them now which is why I need this figured out. Please help me because I literally cant afford this right now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently submitted an offer of performance to Resurgent Capital Services to dispute the Alledged debt for XXXX from the XXXX XXXX XXXX current owner LVNV funding llc.They 're violating federal laws FDCPA by using false and deceptive practices. I sent notice requiring a validation of debt to the agency resurgent capital services, whereby they replied with a fraudulent notice of a verification of debt which isn't a validation of debt. I respectfully urged them to reply to the validation of debt questionaire which they failed or attempted to deceive me by answering with a verification of debt. A verification of debt is not debt validation by LAW. Furthermore they never received any consent to furnish negative information on my consumer report. I have a right to privacy which they are also violating. This is damaging my character ( defamation ) they will/shall be held liable. I have proof of what they sent.
Product: Checking or savings account

On XX/XX/21 we set up in XXXX XXXX  bill pay to pay {$320.00} to XXXX XXXX Bank XXXX On XX/XX/21 XXXX XXXX sent our bill payment to Capital One Bank without our knowledge or approval. On XX/XX/21 Capital One Bank deposited our check. We do not have an account with Capital One Bank. We have contacted Capital One Bank to recover our funds that were sent to them in error. No resolution has been made.
Product: Checking or savings account

I file a police report stating the incident and was inform i have to make a complaint online due to its not being a XXXX incident. someone stole my wallet and cell phone with all my personal information i had at the gym. this is a very bad situation i have experience. the total amount of fraudulent transactions was in the total amount of {$10000.00} i work hard for my money and need answers asap thanks
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, I requested that XXXX update my XXXX loan balance. I sent them the balance statement and the forgiveness letter. XXXX stated they gave this information to XXXX and that it is XXXX that is refusing to update the information. XXXX keeps sending me an old balance from XXXX of XXXX, and now they are refusing even to let me dispute the amount stating " We have investigated, and this is the balance owed ''
Product: Credit card

I had a charge on my card for a {$19.00} transaction on XX/XX/XXXX. Everytime I try to go into the site to pay my balance, I get a message from the company they are having technical issues. I have always paid my charges off immediately but this one charge was missed. Also, I was sure I had a XXXX $ balance. I have to call the company everytime to check my balance and today we discovered why. Commenity 's website address on my charge card is wrong and does not work. This is for the commenity Ulta beauty card. So I am filing this complaint based on the fact the info on the card is incorrect. Also, I have a commenity Roamans card which I always had trouble getting into their site also. Commenity helped me reopen a new online account to fix that. However, I did not use that card after that ordeal because of the issues with their website. For the {$19.00} transaction which is trivial at best and I would have paid immediately, I have been charged XX/XX/XXXX late fee of {$19.00} and XX/XX/XXXX late fee of {$37.00}. Just ridiculous! here is the website address in quesiton : comenity.net/ultimaterewardscreditcard. It looks lik there may be an additional late fee of {$40.00} pending even though I asked for the payoff amount when I paid the bill today.
Product: Mortgage

I applied for the mortgage in XX/XX/XXXX, was conditionally approved in XX/XX/XXXX. I have had contact with 4 different representatives of the bank with no results.
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of information and inquiry was inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, The Credit Bureau did not take any action to remove the incorrect information and inquiry listed below : EMPLOYER : XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRY : XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS A DIRECT RESULT OF IDENTITY THEFT. THIS IS MY 1ST STEP PRIOR TO FILING A LAWSUIT AGAINST XXXX, XXXX, AND TRANS UNION FOR NOT BLOCKING INFORMATION THAT IS A RESULT OF IDENTITY THEFT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information and allowed it to be exposed publicly through a cybersecurity breach. Then, their so called " Solution '' is a free year of their own monitoring service, after which you have to pay THEM to monitor their own XXXX up. They also have the gall to add in an arbitration clause to this offer, in a blatant attempt to cover their own XXXX from getting sued like they rightly deserve.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX  Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account XXXX : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXXXXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Student loan

When I signed for the loan through XXXX said the loan was for 15 years. I needed a cosigner at the time. After repairing my credit I tried to have the co-signer removed only to be denied. My cosigner passed away and I submitted the certificate of death and they have still yet to remove her ( it 's been over a year ) Navient said a law firm XXXX would contact me. No letter has ever come. In this process I found that when XXXX sold my loan to Navient they changed the time period to 21 years. My loan was for XXXX and they did n't apply anything to the principal until just recently. After the loan is paid in full I will have paid XXXX dollars for a XXXX dollar loan. I 'm half way through repayment and my payment is XXXX dollars a month which is on auto debit. It 's more than my car payment. Everytime I have emailed they show no track record of it in the Online inbox and have yet to follow through on the co-signer issue as well as sending me a original copy of the XXXX loan.
Product: Mortgage

I notified Wells Fargo that I want to pay off some accumulated late charges. These late charges are may inhibit my ability to recast. An officer of Wells Fargo said I would be able to pay the late charges, but they will not allow me to transfer or pay for the late charges when I tried to pay. I called the office and they refused to let me pay the late charges which are sitting in my Wells Fargo bank account. They are holding onto the late charges as a means to disallow my ability to recast the loan as this is the first thing every person I spoke to says. They have been brought before the banking committee several times and fined millions of dollars. The practice of seedy banking is obvious and I want to have the same rights as other mortgagees with other banks.
Product: Credit reporting or other personal consumer reports

Transunion, The following account was charged off as of XXXX. XXXX, XXXX. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should NOT include an active payment history. This VIOLATION falsely manipulates the statute of limitations and re-ages my Date of Last Activity. Please delete I am demanding deletion of the following account : XXXX XXXX XXXX - XXXX - delete immediately Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Delete and send me the reflected changes of my credit report. 

Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$8000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
Product: Mortgage

I am currently in a Chapter XXXX BK and Wells Fargo who is the lender has scheduled a Trustee Sale date of XXXX/XXXX/2016 although my case is pending reinstatement. The Notice was placed on my door while I was out of town Saturday. I have been in the bankruptcy and the trustee payments are taken automatically from my checking account. There was fraud on the account and the bank closed the old and issued a new account. Meanwhile The case was originally dismissed for nonpayment. The trustee has received all the payments and the case is pending. The trustee has received the new account information and the case is pending reinstatement which is scheduled for hearing on XXXX/XXXX/16. I received a letter from ASC who represents Wells Fargo. When I contacted the representative at ASC, I told him that my account was in BK and he said the case was dismissed XXXX/XXXX/16. I told him that he needs to check with the BK department, because the case is pending reinstatement. Wells Fargo would have received a notice from the courts, but they continued with the legal procedures which is against the law. 
I would like to have them investigated for illegal foreclosure procedures.