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

Hello, I am filing a complaint against Cash App ( Block , Inc. ) due to the inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act, C.F.P.A. In particular, Cash App has failed to partake in timely and effective measures to prevent and address fraud on their platform. This failure has left my Cash App account vulnerable and unprotected, putting my personal information and financial accounts at risk.

Additionally, their dispute resolution process was not only wrongful, but also intentionally deceptive and unjust ; Due to the fact Cash App did not comply with the legally sanctioned error resolution requirements under the Electronic Fund Transfer Act, EFTA, and Regulation E.

These negligent actions and practices Cash App have caused profound inconvenience and financial loss. I seek appropriate compensation and justice for these violations I have been victim to.
Product: Debt collection

Two accounts are being reported by CREDENCE RESOURCE MANA collection agency, which I do not own. These accounts were fraudulently opened as a result of identity theft. A third-party collection agency that purchased this fraudulent debt has been attempting to collect on it. The accounts in question are dated XX/XX/scrub>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

If you persist in apparent disregard, noncompliance, or deficiency of substantial, satisfying, and/or otherwise evident proof of compliant reporting practices, I must warn you that this letter serves as my official notice prior to my likely decision to petition a civil court nearest me for a writ of review related to the aforementioned issues I suspect. Please be advised that I am the injured consumer of your unproven or inadequate reporting practices. As such, I am contesting the assumed, but actually very conditional, reporting privileges for any and all of your claims challenged within this consumer complaint. This declaration calls for your demonstration of authoritative, certifiable, compliant, lawful reporting that assuredly adheres to no less than the mandatory state and federal reporting mandates and statutes. My demand for your fastidious scrutiny shall categorically include, but not be limited to, your adherence to accords cited within the FCBA, FCRA, ECOA, as well as any and all applicable laws within my state, proven to be commodiously ample for illustrating your adequate statutory reporting occurred exactly as related to any claim purported by you in my report ( s ). Particularly concerning to me is if any or all of your claim 's aspects are alleged yet display potential deficiency, having plausible deviations from your obligatory utilized industry standards for legal, fair, and ethical reporting and did so with respect to a comme il faut status. Incontestably, your compulsion should be that of certifiable conformity to the Metro 2 Data-filled Field Formatted Reporting Standards, per CDIA!

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequ
ately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5- day notice to me as mandated by reporting regulations that you MUST comply with.

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2020 I attempted to purchase a gift card from my local post office. During the transaction there was a malfunction with the card reader, causing my debit card to be charged but the gift card was never activated or never were there any funds on the gift card. The manager on duty apologized and told me the charge would fall off of my account in 2-3 business but did not. I filed a claim with my bank, Capital One, in the amount of {$100.00} and they gave me a provisional credit. XX/XX/2020, my claim was denied stating the merchant provided documentation that this was a valid transaction. I followed up with Capital One and spoke with SEVERAL people who were no help. I even provided the original receipt that shows money was taken from my account but I was never given a gift card. They replied stating " refer to the original decision ''! Today they have removed the money from my account unjustly!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit report, I realized there are remaining information were reported as erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please reinvestigate the unverifiable accounts below : XXXX XXXX Balance : {$7300.00} XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$860.00}
Product: Vehicle loan or lease

XXXX XXXX XXXX, As Servicer XXXX XXXX XXXX XXXX XXXX, MN XXXX To Whom it May Concern, I am in receipt of US Banks Demand Notice dated XXXX XXXX XXXX. US Bank claims that {$550.00} is owed and you threaten legal remedies if payment is not made. 
I understand that the money is for traffic tickets and surcharges. These charges were only made after the lease was finished. 
As I have stated before, in written correspondence, all tickets that I received were paid promptly. The tickets were first sent to US Bank and then forwarded to me by US Bank. I repeat, all tickets that were forwarded to me were paid promptly. US bank certainly did not get a second notice as the tickets were paid promptly. At no time was I informed that a ticket was unpaid. 
At this point, US Bank is unjustly and in a threatening manner trying to extort money. Please stop this harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Equifax has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Debt collection

This company placed a fraudulent debt on my credit. I have never received any communications from this company regarding this matter. This debt is not mine and they are committing fraud by placing it on my credit. This is a violation of the FDCPA, and I demand immediate removal of this debt from my credit reports and at no time should this debt be re-reported.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I entered a covid deferral under the Cares Act. My payment was due XXXX entered the covid deferral current. XXXX continued to add property management fees, driving by my house as if I was in foreclosure. In XXXX of XXXX I started communicating with XXXX about my options after the deferral ended. I did not receive information on my options until XX/XX/XXXX. I continued to call the special assets department and there assured me that my account was in good standing and I needed to wait for my new agreement to take effect. They would put the XXXX that was deferred to the end of the loan with no interest, waive late fees, continue to report me current, and I was to start paying my mortgage payment again, starting XX/XX/XXXX. I paid my mortgage through my bank on XX/XX/XXXX and it posted to XXXX on XX/XX/XXXX. On XX/XX/XXXX, I got my first notice from the credit bureaus that my account was reported as 120+ days past due by XXXX . They continue to send e statements that ask for the full XXXX balance which is again against the Cares Act. They are not allowed to ask for a lump sum at the end of the deferral. I followed the agreement that was sent to me XX/XX/XXXX. I have been in touch with special assets and loss mitigation over 40 times combined. In the last 5 weeks since being reported to the credit bureaus, I have called and called to ask for them to fix my credit. I am a new business owner. My business opened last month. I was counting on my great credit score to be able to get loans for the business. Instead XXXX caused my score to drop XXXX points and I no longer qualify for loans.
Product: Debt collection

I checked my credit and saw a medical bill from Credit Business Services for XXXX XXXX at {$370.00}. I did not receive any notification for any debt for medical services as an indigent individual. I was homeless with no physical address to receive any forwarded mail. I also let the hospital know I was an indigent vagrant and did not have any insurance or money.
Product: Checking or savings account

I was in a car accident on XX/XX/XXXX which left me in a induced coma I was airlifted off the scene and my personal belongings was left behind in my vehicle which my things was stolen and my card was charged {$730.00} when I finally came too in XXXX of XXXX I saw charges and immediately shut my cards off and disputed the items seng  over proof and all the issues me a credit then in XXXX they revised it then I disputed again they was supposed to credit me back but did not XXXX of XXXX they took an additional {$730.00} and {$600.00} dollars saying it was I have been disputing this and disputing this nobody at chime reads or listen because I have sent evidence over 256 times and counting they literally stole money from me and refuse to properly help me I just want my money and they are holding my money in my savings they will not let me access it because my checking account is negative and its negative because of them CHIME I have put in over 132 disputes I have spoken to 68 representatives and online chat 681 times and still get they same automated answers
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX XXXX XXXXXXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX Balance : {$4100.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My name is XXXX XXXX and I was contacted by a number ( XXXX ) XXXX on XXXX XXXX regarding an account that I opened up with XXXXXXXX XXXX back in XXXX. The account went into over draft in XXXX, but I was XXXX in XXXX and was released in the middle of XXXX. I told the person on the phone that i was XXXX  and i was trying to get a fax number but she was rude and unprofessional and was arguing with me about what i was saying. They said that I have 2 civil suites being filed against me but I keep telling them I was XXXX  and they keep saying they don't care. She also said that she was gon na XXXX XXXX papers and contact my wife who wasn't even with me at that time nor was on the account. And than she hung up in my face all the associates hung up in my face. I was requesting a cease and desists because I know the statue of limitations ran out. They call me multiple times a day and leave multiple voicemails. I never respond because I don't know who it is. Can you please help me
Product: Payday loan, title loan, or personal loan

I was approved for a loan on XX/XX/2020. Upgrade was to send money to an XXXX account in the amount of {$3900.00}. The money never showed up in the XXXX account and they are now billing me for the money. They refuse to find out where the money went.
Product: Credit reporting, credit repair services, or other personal consumer reports

DATE : XX/XX/2013 AMOUNT : {$3100.00} ACTION TAKEN : ASKED FOR APPLICATION ON FILE FOR THE ALLEGED DATE THAT MATCHED MY IDENTIFICATION AND AUTHENTIC CONTRACT.
Product: Debt collection

First, they did not provide validation within the 30 days they have by law. They've been told multiple times that the debt is disputed and that they need to return it unless they can prove to us that they purchased the debt, not simply acting on someone's behalf. We got a letter that states we've been in collections with them since XXXX  ( or maybe they've been working with XXXX XXXX  since XXXX  ) but we have no idea what that has to do with us or the collection notice we received in XXXX.
Product: Money transfer, virtual currency, or money service

I have been using Transferwise to send money from my XXXX XXXX  account to friends and my family. I have been using this platform from past 2 years. However, they suddenly deactivated my account without any reason. As per their request, I have again submitted verification documents and also sent an appeal. They kept me waiting for 42 days and after that they replied that they have upheld their decision and my account will kept deactivated. This was the worst experience with a XXXX company like Transferwise. I'm attaching a screenshot of my last transaction made by me from Transferwise after which my account was deactivated. Atleast they could have proved any alllegation if i have done something illegal or conduct of companies policy.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my protected consumer rights to privacy and confidentiality under 15 USC 1681. Transunion is violating my rights I did not give written permission to report this on my credit report Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditors Have Agreed To Remove Fraudulent/Unauthorized Inquiries : Factual Data - Inquiry date : XX/XX/XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX & XX/XX/XXXX XXXX Account : Creditor Has Agreed To Remove. 
XXXX XXXX - XXXX : XXXX XXXX XXXX XXXX : XXXX. XXXX XXXX This account along with the inquiries have been removed from my XXXX  XXXX XXXX  Report.
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

The company Americollect was notified that this debt was paid thru the hospital thru financial assistance/charity and still reported it to my credit after receiving proof of this
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had two XXXX and applied for social security when I turned XXXX. When I turned XXXX, I needed to confirm my SS account to obtain a copy of my XXXX card, and went to the SSA.gov website. I was asked about two loans that I did not recognize, 1 ) a bank/auto loan from XX/XX/XXXX, and 2 ) a bank/auto loan from XX/XX/XXXX. 
I have requested a mailed copy of my credit report from XXXX, but am concerned there has been fraudulent activity ( by a neighbor upon his release from prison ) using my social security number that is now showing on my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 at approximately XXXX on I initiated an online wire transfer from Ally Bank. The initial scheduled transfer date was XX/XX/2020 ; the amount of {$73000.00} was to be transferred for my home purchase closing on that date. To guarantee that the funds would be available on XX/XX/2020 I decided to change the date of the transfer to XX/XX/2020. The online system did not confirm any wire transfer and this meant I was not able to make any adjustments to the wire transfer. 
I called Ally Bank within 5 minutes of my online request and changed the wire transfer date to XX/XX/2020. 
By the end of business on XX/XX/2020 the wire transfer still had not occurred. Though the Ally Bank policy is that a wire transfer initiated by XXXX XXXX  will process that day ( I initiated the transfer on XX/XX/2020 before XXXX ). 
As of XXXX XXXX on XX/XX/2020 the wire transfer still had not occurred, and after multiple phone calls to Ally Bank they still can not confirm when the transfer will be completed. 
Because of Ally Bank 's failure to provide their service as advertised I have now lost a day of work and my closing is in jeopardy. 
I would not recommend anyone use Ally bank for any advanced banking products. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX I wrote Trans Union a letter asking them to update my personal information accordingly and until this date they have yet to correct it ...
Product: Checking or savings account

I filed a complaint back in XXXX regarding my loss of funds, not receiving my dividends from my stock, being charged fees I should not have and money becoming missing with no evidence of it in the transaction, no trace of where the money went just missing.
Product: Mortgage

I had Applied for a Loan with Countrywide Mortgage now Bank of America XXXX/XXXX/2005 ( Exhibit ( B ) which I later Withdrew ( Exhibit ( F ) Countrywide/Bank of America Still moved forward with An alleged Loan ( # XXXX : ( Exhibit G ) using unsigned and False Documents ( Exhibit C, D, E ) : provided to Me upon showing my Government issued Drivers License to prove my Identity to XXXX XXXX Bank of America Representative XXXX office ,XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California, XXXX, Phone # XXXX. 
I asked for an Investigation from Bank of America but they Refused until I Sign an Affidavit Relinquishing my Rights, which I see as extortion and giving up my Legal rights to Damages caused by Bank of America and its subsidiaries. Why would They need me to Sign anything when the information was provided to me From their own computers and Files? 
I just proved the Theft to them and they admitted to the Theft of my Personal information in A Letter provided to me By Countrywide ( Exhibit ( A ). 
Because of This Loan I have now been wrongfully Foreclosed on, and Forcefully Evicted from my Home.I did not Know the extent of the Damages caused by this Breach until recently upon my own Investigations and Research using FOIA and public records request via Government Agencies, The courts and Legal system have Failed to Give Me a Remedy in order to cover up the Corruption I have uncovered by Banks and Lending institutions using Government Sponsored Entities ( XXXX ) to Shield and obstruct the PUBLIC from getting Remedies and information.