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 Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Consumer Loan

On XXXX XXXX, 2015 my brother in-law purchased a XXXX Lincoln MKX vehicle from XXXX XXXX XXXX XXXX in XXXX XXXX, OH. On XXXX, he passed away. 
When his children arrived, for his funeral, they asked family members if anyone were interested in transferring the vehicle account number XXXX into their name and take over the monthly payments? Since they XXXX lived out of town, and had to dispose of his property? I decided, and agreed, being a retiree from XXXX XXXX XXXX, to transfer the vehicle into my name. My niece sent the death notice to Lincoln XXXX Financial Service and stated to them that I was interested in transferring the vehicle into my name. Since this was a new vehicle and was purchased two months prior to my brother-in-law 's demise it held a lot of sentimental value by keeping it in the family. 
After receiving the transfer application paperwork from Lincoln XXXX on XXXX/XXXX/2015, I filled it out and fax the application to them on XXXX/XXXX/2015. I was told by a representative of Lincoln XXXX, to call in a couple of days for a status check and was told the application was approved. With a credit score of XXXX plus, I just knew that this was n't going to take no more than XXXX days to process the transfer of equity/ lease paperwork. I immediately started looking for a buyer for my vehicle and found a person who was interested in purchasing it for a set amount that we XXXX agreed upon. 
I would like to know why it has taken four months for this process, and the title transfer still was not completed? I strongly feel that this is a case of age discrimination since I was XXXX XXXX XXXX when this process started. I kept asking the people at Lincoln XXXX, why was it taken so long to get this paperwork done, and never received any type of rational answer? I wrote a letter to the top Executives of XXXX XXXX XXXX, and all the letters seem to go to this XXXX XXXX Analyst for Lincoln XXXX who wrote me back and stated that the matter was being looked into but never given me any solid information on what they were going to do to rectify this situation so that this does n't happen to anyone else. I would like to know what are they going to do about getting this done in a timelier manner?
Product: Credit card or prepaid card

I have been charged monthly for debt protection since 2008 by XXXX XXXX XXXX XXXX, XXXX, then Citibank when the XXXX XXXX card was transferred from XXXX to XXXX. Have contacted Citibank 3 times requesting proof of purchase of this program. They have failed to provide any proof, but refuse to offer relief. I have payed over {$1500.00} to debt protection that I am challenging and requesting proof of opt in in the form of a signature. They refuse to offer any proof and say that since the charges were monthly and never challenged they will not refund any of the amount paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. If your company, fails to comply with federal regulations by credit reporting agencies you will be required to appear in a court venue local to me, in order to formally defend yourself. I will also have your company investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am also maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and CFPB the Attorney Generals office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D. XXXX. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 
I have already disputed this item on XX/XX/XXXX, and XX/XX/XXXX, but the bureaus did not remove it nor prove validation to me. 

XXXX - Account XXXX : XXXX
Product: Checking or savings account

I opened a checking account with Chase bank, at their XXXX Illinois location on XX/XX/2021. I deposited XXXX checks from my employer, XXXX, and one check from XXXX, on XX/XX/2021. 

Chase Bank verified the checks and the checks cleared, however, every time I called or physically went into a branch location, I was told a different story for the reason they weren't releasing the funds. 

Chase Bank closed my account and sent a check for only the cash that I had deposited, holding onto the money from my XXXX paychecks. When I called to ask why I hadn't received the money for the deposited checks, I was told that even though they had verified all the checks, they wanted to hear from XXXX that the checks were actually issued to ME... despite the fact I had to show my ID in order to open the account, and XXXX XXXX, from the XXXX Illinois branch location personally verified my driver 's license, social security cards and my XXXX medical insurance card. She was told the manager she was speaking to was taking detailed notes that she had verified my identity, however when I called, the manager ( XXXX ) that I spoke to said there was nothing in the notes that indicated she had done so. 

The manager XXXX XXXX spoke with said they hadn't been able to verify the XXXX check, which was the result of an account closure with a positive balance. The amount of the check was {$1.00}, which the manager told XXXX they could waive verification requirements due to the low amount. When I spoke to the manager after my account closure, there was no record of the conversations XXXX had with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XXXX XXXXXXXX and fighting to survive XXXX I noticed that my request made long ago has still not been corrected. I do not know who reported me as having resided at XXXX XXXX XXXX XXXX XXXX Tx XXXX but as a native to this state I can tell you with certainty that I NOT lived at that address ever nor do I anticipate ever living in that city. 
I have made this known to my legal team as well as some other things that aren't right at this time. Why is it at all the others in this business can get it right but you can't?
Product: Credit card

My ex husband opened an account in my name without my knowledge. He then had the address for the statement sent to an address I was unaware of and then defaulted or was late on a payment. I have tried contacting the company in question to tell them this is a fraudulent account but they have not removed the derogatory marks from my credit report. I have tried disputing the items as well with the bureaus. These marks are negatively affecting my ability to secure a home loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below are appearing on my credit report. Ive put in Several Disputes regarding these accounts. I ask that these accounts are removed from my credit report immediately. Ive filed a FTC report which has been ignored by you. I sent a handwritten letter on XX/XX/XXXX. My attorney advised me what to do moving forward. I will take further action if they are not removed immediately. 

below are the accounts XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX {$3000.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$13000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  {$0.00} XX/XX/XXXX XXXX {$880.00} XX/XX/XXXX XXXX {$830.00} XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX {$14000.00} XXXX XXXX {$3000.00} XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

In 2020 during Covid I was working with A debt consolidation company named " XXXX '' to pay down my credit card debts however due to how the payments were set up a credit card was sent to collection. XXXX, the credit card company, was in talks with XXXX and was sent to collections and there was an agreement made with the Collections company XXXX. However, there was confusion in the contract because the name of XXXX was later found to have changed to XXXX Bank. In the contract, I was told that the collection would be removed once paid. However, once all the payments were finalized, I reached out to both of the companies and they both are saying they can not remove the collection. No action was taken on either part.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed there were fraudulent inquiries on my credit file. I have no knowledge of these hard inquiries and they do not belong to me. I have a fraud alert on my credit file and was not notified of someone applying for credit in my name. My phone number is listed on my fraud alert and no one contacted me to validate if I was applying to extend credit. These are fraudulent and needs to be deleted immediately off my credit file. I reached out to the creditors and they wasnt able to provide me with any information on the inquiries or who attempted to get credit in my name. The inquires are listed below : 1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX  4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX 8. XXXX XXXX  XXXX 9. XXXX 10. XXXX XXXX XXXX
Product: Debt collection

Complaint Details 1. Issue Summary I am filing a formal complaint against XXXX  ( PayPal , Inc. ) for wrongfully holding me responsible for a fraudulent charge that my bank declined. XXXX  has placed a {$750.00} negative balance on my account, even though I did not authorize the transaction, and my bank refused to process the charge due to suspected fraud. 
Despite multiple attempts to resolve this issue, XXXX  refuses to remove the balance and insists that I owe the money. Their decision is unfair and unsupported by any concrete evidence of an authorized transaction. 
________________________________________ 2. Timeline of Events XX/XX/XXXX A fraudulent {$750.00} charge was attempted on my XXXX account. 
XX/XX/XXXX I immediately reported the unauthorized transaction to both XXXX  and my bank. 
XX/XX/XXXX My bank flagged the charge as fraudulent and declined payment, meaning I never lost money. 
XXXX XXXX : o XXXX  conducted an internal review and wrongfully determined the transaction was authorized. 
o They placed a {$750.00} negative balance on my account, blocking me from using their services unless I pay for a transaction I never approved. 
o They failed to provide any evidence beyond basic device/IP logs, which do not prove intent or authorization. 
XX/XX/XXXX I submitted a formal dispute letter demanding removal of the balance. 
XX/XX/XXXX XXXX  denied my dispute again without new evidence, stating that I need to pay the balance or take legal action. 
________________________________________ 3. Why This is Unfair and Unacceptable No Money Was Lost My bank never processed the fraudulent charge because it was flagged as suspicious. 
XXXX  is Holding Me Liable for a Fraud Attempt There was no completed transaction, yet XXXX is treating this as a valid debt. 
No Clear Evidence XXXX  has only provided IP/device logs, which do not confirm that I authorized the charge. 
Refusal to Properly Investigate XXXX  ignored my requests for : o A full transaction history with authorization details. 
o Evidence of any changes to my account settings. 
o A detailed explanation of why they believe this was a legitimate charge. 
________________________________________ 4. Requested Resolution I request that XXXX : 1. Immediately remove the fraudulent {$750.00} balance from my account.

2. Provide a full explanation of their internal investigation and why they continue to hold me liable for a charge my bank already deemed fraudulent.

3. Stop wrongful debt collection practices that penalize users for fraud attempts they did not authorize.
Product: Money transfer, virtual currency, or money service

I opened a paypal account to do business. I had a client send me {$1500.00} for future products. It took PayPal 3 weeks to make the money available and I lost the client. So I sent the money back to client. Paypal has chose to keep the clients money. I have repeatedly tried to close the account and they refuse to close the account. They still have all {$1500.00} and say it permanently not going to clear. This is on multiple messages from paypal XXXX How can they keep the money legally. I wish to close my account and have the money sent back to the original person that sent it to me. This is really dumb. They accepted the money and want to keep it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to all XXXX inquiries companies that were on my credit report to have them removed into inform them that my information was obtained illegally, and Credit was trying to be obtained illegally, and they still havent done anything about removing them from my report.
Product: Checking or savings account

Had Wells Fargo do an investigation into fraud on my account, To find out they never really did an investigation and made a no fraud was valid response due to the Agents Personal feeling about what happened. 

Due to Wells Fargo negligence I am out of more then XXXXXXXX XXXX
Product: Debt collection

this account was opened in some one else name they pull my credit three times without my knowledge! HUNTER WARFIELD
Product: Checking or savings account

I had to open disputes on my Wells Fargo card for XXXX transactions from the same merchant due to paying with my card from another bank ( paid by other means ). I called to initiate the claim today, XX/XX/XXXX, around XXXX XXXX  PST when they opened. I let the representative know I had documentation ( transaction statement from the other card and email correspondence with the merchant ) to prove my Wells Fargo card was not supposed to be charged and sent it to the claims department email. 

I then received an email at XXXX XXXX PST from Wells Fargo on the same day XX/XX/XXXX stating that they would be closing my account within XXXX business days. Upon checking my dispute status, I also saw it was denied and closed. When I called the disputes department, representative XXXX informed me that they found the cardholder liable for the transactions, however I did not claim the charges were unauthorized, so that reason was not relevant to the case.

Regulation E requires banks to conduct a reasonable investigation, and Wells Fargo has gone against this. My claim was open for less than XXXX hours and immediately denied. They didnt give me a chance to receive the documentation I sent, ask me for further information, or even reach out to the merchant before denying it, and now I dont have access to my funds and was charged twice by the merchant.

These are illegal and unethical practices by Wells Fargo that need to be corrected. Regardless of the status of my account, the claims department must research my case and provide a temporary credit within the required time frame while the investigation is ongoing.
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. 

Also, they aren't even in compliance with XXXX XXXX credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not authorize the following inquiries. 

EXPERIAN XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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. The following accounts, listed as being in " collection '' have violated my rights : XXXX - XXXX, XXXX - Experian As per15 U.S.C 1681 section 602 A. States I have the right to privacy.15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

These items were reported to credit bureaus in XXXX. I contacted the reporting creditor and was referred to XXXX XXXXXXXX XXXX as the creditor denied knowledge of any account despite being provided with my name and XXXX. The creditor ( XXXX ) referred me to XXXX XXXXXXXX XXXX  who then referred me to XXXX XXXX, neither of whom had a record of the account being in collection or sent to XXXX for collection. After disputing the erroneous item with all 3 bureaus, the error was removed from XXXX reporting but remains on my XXXX and Experian accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Ive received maybe four calls and four text messages from Spring Oaks Capital claiming I have debt from XXXX XXXX  Ive asked for written verification of the debt and to only contact me via mail moving forward and they continue to call. They have my name, phone number, all of our mail is forwarded from previous addresses, and the debt does not even appear on my credit report because it can not be substantiated. I have two collections on my credit report, neither of which are Spring Oaks Capital.
Product: Student loan

The loan balance is significantly higher than what was received for school. Previously, I requested copies of promisory notes. The copies received had false email addresses and addresses where I never attended school. When Navient calls, I do not avoid them. Please help because they are not.
Product: Student loan

I am currently on XXXX. Prior to the end of the student loan  pause, I was on XXXX at {$0.00} for almost XXXX decades without problem. My servicer keeps sending relentless requests for me to pay a delinquent amount that I do not owe. They say i am XXXX days or more delinquent and owe them over $ XXXX. I have begged them to remove the delinquency and to stop requesting payment every month but they keep sending me bills. I have been begging for them to fix this for several months and yet they keep telling me I'm  delinquent and need to pay them for an XX/XX/2023 missed payment. I was on XXXX during the student loan pause and was not required to recertify but apparently was thrown off of XXXX in XXXX 2023 and placed on what appears to be the standard plan. I have sent many messages for months and all i get is boilerplate  responses. After several  months of begging them to erase the delinquency because it's an ERROR they keep trying to get payment. I have suffered from XXXX  XXXX XXXX for many years and the mental stress is causing me to have significant problems, yet they don't care. I fear that XXXX 's on-ramp will expire and my credit will be ruined all because Edfinancial could not correct their error in time. I have begged for help through a studentaid.gov complaint yet month after month this error remains and Edfinancial keeps trying to collect the $ XXXX amount from XX/XX/2023 which is an error. I just need someone to help me because after several  months NOTHING is changing and psychologically and physically I am suffering under the weight of this stress.
Product: Credit reporting or other personal consumer reports

l am filing this complaint due to multiple unauthorized inquiries on my credit reports that I did not approve or authorize. These inquiries have appeared without my consent, and despite my repeated efforts to have them removed, the credit bureaus have failed to act. My disputes have been blatantly ignored or dismissed without any proper investigation, allowing these fraudulent entries to continue damaging my credit score. This is completely unacceptable, and these inquiries are in no way a result of any action I've taken : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Checking or savings account

On XXXX/XXXX/XXXX I was expecting a cash deposit of {$1300.00} in my SunTrust account before releasing an item that I was selling online. The deposit was made at the SunTrust branch located at XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXXL XXXX at XXXX. After seen the updated transaction in my account I released the item. Few minutes later I noticed that the cash deposit was reverted, so immediately I called the bank. I spoke with the branch manager and she told me that the person who did the deposit went back to the teller and asked for a cash reversal. The teller without questions or ID verification gave him/her the money back from my account without my authorization or any prior notice, so the person got away with the money and the item. 
On the same day I submitted a claim that has not been solved yet. Today XXXX/XXXX/XXXX, I still waiting an answer from the SunTrust Bank. 
I hope you can help me to resolve this issue.