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 violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measured 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 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: Money transfer, virtual currency, or money service

Account 'frozen due to risk management ' since XXXX of 2020, have tried endlessly to contact them including providing documents upon documents that they requested from me until they just stopped responding via email. They have over {$500000.00} worth of my assets in the form of cryptocurrency on their platform and will not respond to anything. I have plenty of tickets and corresponding emails where they requested me for identification items that i submitted until they completely stopped responding to me. I opened a complaint before, but they said they requested documents ( i sent them everything they asked for, if they say otherwise, please request what is still outstanding, i have any and all information they could ever need. ) and that i didn't send them, and my cfpb ticket was closed unresolved.
Product: Debt collection

Collection agency name : NAVY FEDERAL CR UNION Address : Account number : XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter. 

XXXX XXXX
Product: Debt collection

I am writing to formally lodge a complaint regarding an alarming and unprofessional debt collection attempt that I recently received via text message from Monarch Recovery Management. In an era where privacy is increasingly being infringed upon and spam communications are rampant, it is highly concerning that a business would obtain my personal information without my consent and attempt to contact me in such a cryptic and unprofessional manner. 

I do not recognize the company that sent the text, nor do I have any knowledge of the alleged debt they are referring to. I have never received any formal communication by mail regarding this matter, which raises serious concerns about the legitimacy of this claim, as well as the manner in which my personal information was obtained. 

As a consumer, I have the right to full disclosure, transparency, and proper verification of any alleged debt. Therefore, I am formally requesting : XXXX. ) A full ledger detailing the history of the alleged debt, including all transactions and any applicable payments. 
XXXX. ) A copy of any contract or agreement that allegedly binds me to this debt with this corporation. 
XXXX. ) An explanation of how this company obtained my personal information and from whom it was acquired. 
The use of text messages for debt collection, especially without prior communication through proper legal channels, is not only unprofessional but also potentially unlawful under the Fair Debt Collection Practices Act ( FDCPA ) and other consumer protection laws. This practice creates confusion and distress for consumers and raises serious privacy concerns. 

I urge the Bureau to investigate this matter, as this type of behavior may be indicative of broader issues within the industry. I also request that any necessary action be taken to ensure that debt collection practices adhere to legal and ethical standards, protecting consumers from potential fraud, harassment, or identity misuse.
Product: Checking or savings account

I applied online for a checking account with penfed. Back in XX/XX/XXXX. I then received that they needed photo I.D . 
Social security card and utility bill to verify my identity. At the time of my application I was living in a cheap monthly motel room that I was receiving mail to. I sent in photo of my I.D . and social security card. I advised penfed that I was living in a monthly motel and I don't have any utilities. Everything is provided. Because I am living in a motel. 
So I also emailed them copies of the receipts for the motel Copy of the receipt from my XXXX debit card that one time I used to pay for the month showing the motel name address and my name Sent them my social security XXXX benefits letter Sent them copy of my XXXX XXXX statement showing the motel address I just found out that my account with them is still frozen and they still are hasstling me for documents I just again sent them Photo I.D Social security card And since I am living in a apartment now Sent them copy of my utility bill And my account is still frozen They are still demanding more documents From day one I had to pay a contribution because I am not a government employee or military member. I also used my XXXX XXXX debit card to fund the contribution I also used my XXXX debit card to fund the XXXX $ that I needed to open the account I have been on social security XXXX since XX/XX/XXXX I'm a victim of covert harassment and organized stalking since day one going on social security XXXX. Our corrupt government and the corrupt FBI agents have also made it look like I'm a victim of identity theft. They keep adding bogus information and bogus accounts. I have been documenting this for three years now I have XXXX and XXXX and was illegally XXXX in XXXX with XXXX XXXX for XXXX You can XXXX it So they have done everything that they can to ruin my life in every way possible and I believe this is also part of their doing All my accounts are hacked All of my phone are tampered I have my Florida I.D . 
still even though I am living in XXXX Ohio Because that address is my mom 's address who I lived with for long time And still go there and receive mail there when I need to I sent them so much documents when I first applied for the penfed account and when I was living in the motel
Product: Credit reporting or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all invalid Information that is hindering my credit profile with Equifax. all data listed is illegal an invalid. this has caused major delays and denials all across my credit profile. none of the data is verified or updated. please review an remove the listed items that ive shared to clear my credit report asap.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the Accounts and addresses I do not recognize are continued here. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have never lived at these addresses and I have no knowledge of these accounts.
Product: Mortgage

My home was purchased in XX/XX/XXXX, My Husband filed for divorce in XX/XX/XXXX I contested the divorce for approx. Three years my husband at the time refused to pay the Mortgage. I had a bank account that was inherited through my family which I used to help me with the mortgage. this bank account got closed by XXXX XXXX XXXX I had XXXX dollars at that time. I complained against XXXX XXXX XXXX nothing was resolved .My husband and I were divorce by Supreme court XX/XX/XXXX. I went into foreclosure I requested help from various agencies who contacted Wells Fargo who offered me a Modification for 40 yrs. my loan at some point was 22 yrs because of extra payments applied. The courts found my husband to be abandonment. and requested that I was awarded the home.Wells Fargo received all of the divorce documents also the quid claim deed.Removing my husband from the Title But not from the loan. I tried to file assumption I was told my X husband has to sign documents I do n't know where is. I tried to refinance I was told the bank do not work with 40 yr loans. Wells Fargo after paying them on time They given the credit reporting companies a very low score 0f XXXX so that I can not receive help any where.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following companies have violated my rights. 

XXXX XXXX ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that a consumer has 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.
Product: Student loan

I was told by a Naivent representative that the only way out of my student loan was to XXXX. The reason for my call was to renegotiate the terms of my 11.75 % interest rate on a student loan that has tripled in size due to interest.
Product: Mortgage

XXXXI applied for a refinance mortgage with Quicken Loans XX/XX/2015.I was told that there could be a charge of {$500.00} dollars when the loan was approved at a later date. I faxed them the information they requested on three different times, each time XXXX plus pages. Each time I would receive a call it would be from a different person in a different part of the country. within days of applying they took {$500.00} dollars from my XXXX XXXX credit card. When I called to find out what the charge was for, I was told it was for a credit report and an appraisal which did not happen at that time. I asked why was AN Appraisal being done since the add on the TV says they hardly ever need one. then I started getting calls from different people asking for more information, some that I had already sent. Then I was told they had everything and it would be closing within days. A day or so later I got a phone call from yet another person asking for more information. At that point I made XXXX phone calls to XXXX different people telling them to Pull the Loan that I was not going to try any longer to get the loan. I also sent a Fax to another person stating the same thing. then I started getting Phone calls from several different people trying to change my mind. I asked again about returning my {$500.00} dollars and received several more calls still they were trying to move forward with the loan. One of the calls they talked to my wife and told her they would return {$250.00} dollars.Then today I received another call still trying to move forward with the loan asking me what they could do to { fix } things. when I told her that it was pulled and I was told I would get {$250.00} dollars back she said that I would not get anything back. After a lot of talk she said I would get {$130.00} back. I am so angry with everyone at Quicken Loans I just want my {$500.00} dollars back and get them out of my life .They changed their story so many times I do n't know what to believe and I do n't think they act very Professional at all .They say in their TV add that they close in 30 days on most loans and my loan was not difficult at all and we were not close to closing as they still wanted more information. Thankyou for looking into my problem
Product: Credit reporting, credit repair services, or other personal consumer reports

This company Bridgecrest continues to violate my rights as a consumer. I have never authorized or agreed to conduct business with this company. They claim this account was transferred from XXXX to Bridgecrest, but who authorized this? As a consumer I have a right to privacy, and in order for my personal information to be shared with a third party, i must give the company permission. I have never authorized Bridgecrest to have access to my information, nor did i give them my information to report to any credit reporting agencies. They have knowingly and willfully with held information that explained that I the consumer can exercise that nondisclosure right. Bridgecrest is in violation of federal law. This company has failed to comply with the Gramm-Leach-Bliley Act. As a financial institution collecting nonpublic personal information from their customers, there are certain disclosures i should have been made aware of. It was never CLEAR AND CONSPICUOUS that I was going into an agreement with Bridgecrest Financial.
Product: Mortgage

This is a technical issue regarding listed borrowers on a XXXX Mortgage interest statement ... ... I 'm aware and comfortable that only one designated ( listed as primary ) borrowers tax id number can be listed on this statement My issue is with Lennox Financial Mortgage Corporation saying they are not allowed to list multiple borrowers under the Payer's/Borrower '' s name ... ..I have previous and current years examples of other lenders listing multiple names on this form
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit card or prepaid card

After filing for Unemployment in Kentucky in XX/XX/2020 Ky unemployment began sending benefits to a prepaid card i did not possess. When I got a new card and reporting to Bank that XXXX dollars had been sent to a prepaid card and was spent by someone other than myself and i was not getting charges against my new card not made by me i was told it had been sent to XXXX XXXX XXXX and they closed the case without any compensation. They only looked into the new charges totalling XXXX dollars and froze my account kept the XXXX dollars that i had in the account they then closed my account cancelled my card and never replied to another email or call. A supervisor i spoke with told my I was a lying theif only attempting to get free money and call me a bum. I complained to Corporate and CEO of BoA. I am still emailing ky unemployment about the funds missing but stilll nothing. I was forced to take the prepaid card or not recieve any funds and then was forced to accept a theft of XXXX dollars without being able to do anything. I want Bank of America to be held accountable for this and pay me back the money wrongfully taken from me that belonged to me and my family. I can not get any help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX a internet company by the name of XXXX XXXX CA charged {$910.00} to my stolen credit card number is there any action that I can take against this company you can contact me at the following XXXX or at the following ( XXXX ) XXXX or ( XXXX ) XXXXThank you for your assistance in this matter.
Product: Credit reporting or other personal consumer reports

Per the FCRA as a Federally Protected Consumer. I am OPTING OUT of any and all Authorisations, I the Consumer may have given you written, unwritten, verbal, and non-verbal. Per 15 USC 6801-6805 16CFR313 Per the Privacy Act 1974 Send this to EQUIFAX, XXXX, XXXX.
Product: Credit card or prepaid card

I got a few XXXX credit card mail offers from Citibank in XXXX. I applied for and was approved for those credit card promotions ( 3 personal account ands 1 business account ) in the time ranging from XXXX to XXXX in XXXX. I fulfilled the spending requirements of these promotion offers and Citi awarded me those miles ( ~XXXX XXXX ).  However, on XXXX XXXX XXXX XXXX forfeited those miles together with my other accrued miles since XXXX ( total XXXX miles ) and terminated my account citing the miles were obtained fraudulently via multiple XXXX credit cards. But it was Citi sending me those mail offers, and it vetted and approved my application. All of this implies that Citi is the one behind this unfair, unreasonable confiscation. It seems to me this is a deceptive bait and switch. With my XXXX  account closed, Citi now still charges me {$99.00} membership fee per XXXX  credit card account, however, I can't get any benefits or accumulate any miles in spending for the paid membership fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit card

Opened credit card with Chase Business Ink credit card back XX/XX/XXXX. I made a {$3000.00} down payment for a concrete garage floor. Prior to my pay off and cancellation, i inquired about the dispute process since i was having a fallout with the contractor. The credit card company told me i had 560 days for a max extension to dispute from the date of transaction which would extend me to XX/XX/XXXX. The contractor had not installed the garage floor till XX/XX/XXXX due to his backlog. When garage floor was installed the credit card was already cancelled since i had paid the balance off. I anticipated issues due to history of contractors and ended up being correct. There was faulty workmanship discovered. I contacted Chase Ink to dispute and they " purged '' my account just a few months later after it was closed. Sent a fax to the correspondence team ( only fax provided ) with no response yet my fax went via ( proof of sent/received time stamp ) .The customer service dept states once the account is purged there is nothing they can do about it. I have the right as a consumer to dispute and this purge now violates my rights for consumer protection. I have also sent a request to the Chase XXXX office. I told them they have the legal obligation to hold records for a certain period of time. I can understand if something was purged after a few years but a few months later? 
Downpayment of $ XXXX in XX/XX/XXXX but final payment to contractor since work finished was XX/XX/XXXX. I filed a complaint with Chase Ink to unpurge my account XX/XX/XXXX to dispute the $ XXXX.
Product: Money transfer, virtual currency, or money service

A couple months ago, around XX/XX/XXXX, I received an email about a CoinBase account with my email on it. I tried signing in and it would not let me reset my password or text my phone. 

I tried getting hold of CoinBase to have them delete this account by email, chat, and phone. 

Email did not get a response. The phone call had a robot that hung up on me. The chat had robot questions and did not send me to anyone. 

Yesterday XX/XX/XXXX at XXXX XXXX I got a message that the phone number changed on my account that I am not familiar with. I am attaching that email to this complaint.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA section 605B ( 15 U.S.C section 1681c-2 ) that you XXXX, XXXX, and Experian credit reporting agencies block information appearing on my consumer credit report that is the results of Identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccuracies and false information consists of credit cards and vehicle loans opened in XXXX, XXXX, and cards from XXXX XXXX. These accounts which I've attached below resulted in several fraudulent collection calls and collections appearing on my consumer FICO credit report. I do not recognize he mentioned accounts, collections as well as hard inquiries. I have also attached a copy of the FTC identity Theft Criminal Complaint Ref # XXXX as proof from the US Federal Trade Commission that all of the mentioned consumer credit accounts, collections, are a result of the identity theft and fraud.
Product: Debt collection

I have a previous due credit card balance with Bank of America. Without notifying me or attempting to make a payment arrangement they withdrew funds from my account in the amount of XXXX dollars and completely depleted my account. 
This company has used unfair biased practices against XXXX XXXX like myself, and targeted us to repay debt without given us the proper channels I attempted to call and resolve the dispute to set up a payment and they laughed at me called me names now my funds are depleted and I am risk of becoming homeless as I can not pay my regular bills and now I can not even resolve this debt if I wanted to thank you for you time
Product: Debt collection

Credit Acceptance Corporation XXXX XXXX XXXX XXXX XXXX Michigan Numbers calling from XXXX XXXX I have gotten repeated calls from this auto loan creditor, the calls I ignore and they will call from a different number sometimes within an hour early morning hours, late in the evening, all weekend. I blocked the numbers they just will call from a different number. 

The car was voluntary repossession back in XXXX they came and got the car, sold it, and still reporting missed payments on my credit report and not the correct amount owed. 

It is harrassing and inconvenient, they leave voice messages. 

I am attaching my call history with those numbers some I don't know because if it is blocked or or my phone service recognized the vendor it show up as a scam call that don't show me a phone number. 

Thanks