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

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

XXXX XXXX XXXX XXXX XXXX credit card issued by citi bank was recently closed back in XXXX. I contacted citi bank for the reason and they told me they mailed out an ssa-89 form to verify my identity back in XXXX. According to citi bank I had 30 days to fill out that form and return it to them to keep my account open. When I noticed my account was closed and I called those were the reasons they gave for my account closures because I never sent that singed document back to them. The only issue is citi bank never sent me such a document in my mail, email, or phone number. I told them that and they said they sent it and can't do anything about it. I went to my closest usps to see if they were holding any documents from me and they did not have anything. I even to to ups and XXXX and none of the postal couriers had any documents for me. I have never received any document such as that in my mail if I did I would have signed it and sent it back. I told them to re send that for me to sign and they denied to send it. I have tried to deal with citi bank but they are not being reasonable. I have truth to believe they closed my account due to racism because I am XXXX  and my last name ends with XXXX, citi has even recently been fined by the cfpb for closing XXXX  credit card accounts and I believe I am a victim of there act. If I wasn't a victim of racism they would send that document for my to sign and send back to them which they won't do. I have had my XXXX XXXX for a year and their reasoning for closing my account does not make sense. Please investigate what citi bank has done to me and tell them to re sent that document to me and re open my credit card account. I can send them anything they want I am willing to comply
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX # XXXX, has violated my rights. 

Account is showing charged off but I never received a 1099 cancellation of debt form regarding this account. 

This is inaccurate information.
Product: Money transfer, virtual currency, or money service

Fraudulent merchant ( XXXX ) on Paypal. This merchant never provides service and asks for payments beforehand.
Product: Student loan

I graduated college XX/XX/XXXX. I began working in XXXX XXXX in XX/XX/XXXX. My XXXX XXXX jobs that qualified towards PSLF were low paying and I had payment amounts that were XXXX monthly. It was not until years later that I was informed I needed to consolidate my loans to qualify them towards PSLF.

Mohela continually ( every time I called ) - told me to call back, wait 3 months, there was a glitch in the system and my payment counts towards PSLF would show up Eventually it was determined it was not counted towards PSLF until XXXX of XXXX. My loans were not in repayment for 12 months from the time of my graduation XX/XX/XXXX until XX/XX/XXXX ( note : once I graduated from college there is NO way I had that long of a grace per and it would not count towards forgiveness for over 12 MONTHS after graduation XX/XX/XXXX until XX/XX/XXXX. ) I did not have any XXXX loans and was full time.
Product: Debt collection

I have discovered this company reporting inaccurate information on my credit report, and after sending them several disputes and receiving nothing at all, I have also discovered it is my right to demand and RECEIVE validation. They have violated my rights as a consumer and I need your help!
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : DEPT OF EDXXXX XXXXXXXX Balance : {$6200.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there is an unauthorized inquiry on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiry immediately. 
XXXX XX/XX/2023
Product: Payday loan, title loan, or personal loan

On   XXXX   XXXX   XXXX   I mailed a certified bank check for the payoff amount of {$1700.00} to Wells Fargo from a purchase made at   XXXX   XXXX   XXXX   XXXX  . I called Wells Fargo on   XXXX   XXXX   XXXX   to confirm that my payment was received and processed and according to automated system stated new balance was {$2600.00}. I contacted Wells Fargo on   XXXX   XXXX   XXXX   and then on   XXXX   XXXX   called spoke with a supervisor and they stated there was nothing they could do. On   XXXX   XXXX   XXXX   I went to my bank at   XXXX    and   XXXX   XXXX   at   XXXX   XXXX   XXXX   XXXX   XXXX   at   XXXX   XXXX   XXXX     XXXX    ME   XXXX   called Wells Fargo and spoke in a three-way conference call with a  XXXX  from Wells Fargo .   XXXX   XXXX   offered to fax over a copy of the certified bank check made out to Wells Fargo that included our names and account number but they refused.  XXXX  referred us to   XXXX   XXXX   XXXX   XXXX   saying we did n't meet the contract obligations. We spoke to  XXXX  at   XXXX   XXXX   and he said he could n't help us. I contacted my attorney generals was told to contact CFPB to file a complaint. We have contacted Wells Fargo several times to no avail.
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 XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 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: Credit reporting, credit repair services, or other personal consumer reports

I received an inquiry from an bank pertaining to my credit but I have never contacted nor spoken to anyone from the bank nor have I filled out any information online stating that I authorized anyone bank to pull my information and check my credit for any purpose. I was a victim of identity theft so this can also very be the same situation due to the fact of my information still being stolen. I received the notification via email through credit karma alerting me that there was an new inquiry on my credit report. In which my information was falsely used without authorization.
Product: Checking or savings account

Received call from Wells Fargo informing me of a credit to my account made arm withdrawal and was contacted by wells fargo representative saying my account was overdrawn my account showed money was available for withdrawal miraculously the money that was refunded disappeared now my account is overdrawn by said amount also my ATM card was locked was told I would receive new card in mail never received new card and account is still overdrawn
Product: Debt collection

Briefly, a nightmare involving Identity Theft dating back to XXXX when someone open a credit card using my personal information. 
SEE ATTACHED COMPLAINT LETTER dated XXXX XXXX. 
This was supposedly resolved with Chase Manhattan in XXXX. 
A company named XXXX XXXX XXXX appears to be abusively recycling this old Chase account even though they were responded to in XXXX and it appears that they may be doing this with Chase 's help. 
A total nightmare going back over XXXX years that should simply never be allowed to happen.
Product: Debt collection

My husband and I are in the process of buying a house, we were told by the lender that I have a judgement against me that needs to be taken care of before we could proceed. I was initially informed about this debt on XX/XX/XXXX by my lender. Through a little digging, we found out that XXXX XXXX XXXX filed a case against me for debt collection. When I called XXXX on XX/XX/XXXX, I asked what the debt was for and was told that it was for medication that was ordered and the amount owed, according to their records was {$2000.00}. My husband nor I are on any type of medication and relayed that information to the man who answered the phone. He then hung up on me, I called back 3 more times, only to be hung up on every time. I tried calling on XX/XX/XXXX to see if I could speak to someone who could help me, and each time I called, the rep hung up on me. 
I then contacted the local court in XXXX, IN and went in to find out what exactly was against me. I was told that there was a judgement, case # : XXXX filed in XXXX IN courts filed on XX/XX/XXXX in the amount of {$2000.00}. I tried contacting the attorney that the clerks office told me to contact, XXXX XXXX XXXX phone # : ( XXXX ) XXXX, and was told they have no case against me. I then asked what I was supposed to do, and was told that it needed to be handled through the court system. 
On XX/XX/XXXX I went back to the clerks office in XXXX IN again, the attorney on record was XXXX XXXX, phone # : ( XXXX ) XXXX which directs me to XXXX XXXX XXXX. I called and spoke to a secretary ( I believe her name was XXXX ) and was told that they have no record of my case and that the attorney 's office does not handle cases of that nature. I asked if I could possibly get something in writing because we were trying to close on a house, and was told that her attorney 's will not allow them to send out letters of that nature because it is considered " misinformation ''. I asked if she could speak to one of them because if I could not get this removed, it means we will not be able to acquire a loan. She explained that there was nothing that she could do for me. 
I contacted the XXXX XXXX office by phone XXXX XXXX XXXX XXXX on XX/XX/XXXX to see about appearing before a judge to have this information removed from my record. I was told that I could come in and file paperwork, but the soonest that I could get in would be late XXXX or early XXXX. 
I do not know what this debt is for, and am willing to pay it if I am liable for it, but can not find anyone who can give me any information. The XXXX XXXX office said that the records show I was served papers several time, but I never received anything regarding any debt owed. We are about to lose this house and do not know what to do from here.
Product: Debt collection

My student loan is in default. I attempted to remedy this inXX/XX/XXXX, but no one could tell me who was servicing my loan So I did not know where to send the information or who to contact to correct the errors in the amount owed, when money was dispersed and withdraw dates. The amount attempted to be collected is grossly inflated, forbearance dates were not taken into consideration, and early withdraw ( 4 weeks from start ) is not reported either.

I have NEVER received notice, statements, or intent to garnish taxes however, my taxes were garnished on XX/XX/XXXX in the amount of {$3100.00}. National Student Loan database shows this debt to be with XXXX XXXX XXXX however upon callingXX/XX/XXXX I was advised it is being held with National Recoveries. I do not have an account number, a breakdown of how the total debt due became so grossly inflated, nor was I given the opportunity to remedy before garnishment.

The garnishment has already taken place (XX/XX/XXXX) and I still have not received any form of notification as of XX/XX/XXXX
Product: Mortgage

I closed on a cash out refinance loan with on XX/XX/2020 and it's now XX/XX/2020 and it doesn't seem like I'm getting my cash out funds and they haven't paid off my current mortgage with XXXX XXXX XXXX XXXX. I spoke to a representative that said you have to pay your mortgage and for you previous mortgage or you will get a late payment. I think I'm being scammed. Will I now be responsible for 2 mortgages?
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 financial loss, and I seek appropriate redress for these violations. XXXX XXXX a payment was made to my card through cashapp from someone named XXXX cashapp tag is XXXX XXXXXXXX. Ive tried to contact them through my own cashapp to receive my money back and they blocked my cashapp, Ive tried to put in multiple disputes with my bank which is XXXX  and I have the pictures below with dates from when XXXX  contacted me back through email with determination letters. Im out of {$2200.00} and I dont know what to do at this point. Im hoping this can help me get it back by putting in this complaint. Im a XXXX XXXX  and Im hoping you guys will know what to do thank you.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 I attempted to make changes to my payment methods with XXXX per the instructions of one of their representatives. The payment method I was trying to add was already associated with my wife 's XXXX account. The representative from XXXX advised me to have her delete the card associated with her account and then I could add it to mine. This process caused a " Red Flag '' on both my wife 's XXXX   account and mine. I have been unable to add any payment methods since that date and have spoken to 5 different representatives including supervisors at XXXX  who state that nothing can be done.
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 XXXX XXXX XXXX. 

Account XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, Account XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX # XXXX, Account XXXX XXXX XXXX XXXX : # XXXX XXXX, Account XXXX XXXX : # XXXX, Account XXXX XXXX XXXX : XXXX XXXX XXXX, Account XXXX XXXX XXXX : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number XXXX Reasons : I would like to be provided proof that I CONSENTED to here accounts via FCRA Section 623 as the accuracy of this inquiry. If you have no proof of any or one, I would like it removed immediately.

By provisions of he Fair Credit Reporting Act, I demand that these items be reinvestigated and removed from my credit report. It is my understanding that you will recheck these items with the creditors who posted them. Please send an updated copy of my credit report to the above address immediately.

Remove Collection accounts from my credit report due to violation of 15 USC 1681i ( 5 ) ( B ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently viewed my credit file and noticed XXXX has inaccuracies and/or incomplete information, and accounts that is UN-Verified on my credit report. according to the Fair Credit Reporting Act Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C 1681i, every single one each any or all the unproven, noncompliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety, or the alleged accounts are to be completely deleted.
Product: Debt collection

I have contacted us bank numerous times and they agreed to close my line of credit account and stated that the money was not owed. But now they have reported my debt to the credit agencies and they will not return my calls or emails. I have reached out to them to pay the rest of my credit card accounts but they wont call me back or email me back and I keep getting transferred to someone with a full voicemail box. Now they are charging me interest and late fees When Ive contacted them numerous times to make a payment. I also was told my late fees and interest fees would be waived which they havent been. Very upset by this process, clearly I am not a valued customer
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code
1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on numerous occasions to cancel my monthly subscription for credit protection with Experian only to be placed on hold for OVER AN HOUR!!! This is clearly a way to deter customers from cancelling their subscriptions that they trick you into when trying to check your credit score. This company preys on vulnerable people who are concerned about their credit and then ropes them into re-occurring fees that it is extremely difficult and burdensome to cancel. From my perspective this is very close to fraud. Please investigate these credit agencies and ensure that membership cancellation is accessible and easy ( online or have calls answered in a more timely manner ).
Product: Credit reporting, credit repair services, or other personal consumer reports

My repayment plan month amount was {$0.00} but they show on my credit report that I never made a payment, delinquent and sent to collections. I could not have missed a payment because it was {$0.00} and I did not need to submit anything each month. But my credit report shows that these loans were delinquent and sent to collections even with me disputing this information numerous time.
Product: Mortgage

My current mortgage co. Freedom Mortgage, called and offered a refinance, but after I TOLD them my wife had an open credit fraud case they stated they could n't run either of our credit reports. We agreed on a recorded phone call I would consider a refinance in a few months. 
The next day a title co. called me regarding a refinance with Freedom mortgage. Also, when I called the Freedom mortgage loan officer he told me he ran my credit after an agreement I would not consider opening a refinance with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is incorrectly showing my last payment was on XX/XX/XXXX. I reached out to Experian to dispute this. My payment history clearly shows that my last payment was on XX/XX/XXXX. That means that the trade line should be falling off my credit this year. I provided the account history record to Experian. They did not change the information. They claim to see what I sent and are only offering for me to send it again even though they have it already. They want me to make another dispute with the exact same information. 

XXXX is under investigation right and left for their handling of student loans. I provided information directly from XXXX 's site. The XX/XX/XXXX is clearly a date they randomly made up in my account- another sign of what kind of company they are! 

We all know XXXX is a bad actor. But their bad actions are continued by the help of the credit bureueas. One credit bureau correctly removed the tradeline several years ago due to XXXX 's inability to dispute my debt. The other two have not. And now, they are falsely reporting on my debt.
Product: Checking or savings account

On XX/XX/2018 my wife and my self went to 7 days cruise to three different countries starting from XXXX ( XX/XX/2018 through XX/XX/2018 ) when we came back we found out that someone took {$400.00} from our checking account through XXXX XXXX XXXX ATM in XXXX. 
I called Bank Of America and disputed it for the following reasons : 1- We were not in US when this transaction happened. 
2- We didn't use our cards either on ship nor in any of the the 3 countries to avoid any unauthorized use..We only used cash. 
3- We had our cards with and we didn't loss them. 
4-We have't been in XXXX for more than 5 years. 

I called bank of America many many time and wasted hours on the phone with them and they asked me to fax any documents proving that we were not in US in that time, I faxed it twice but they deny and closed our claim saying that the card was presented at the time because the card chip was read!!?