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

I am filing a complaint against Cash App Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

On or about XX/XX/2023, Chime fraud dept contacted me stating my card was compromised in Florida, to a pay parking outfit for {$12.00}. The guy reset my account log in, gave me a temp password, and cancelled my ATM card, therefore sending me a new one, which took 10 days to get. I could not use my card until I reactivated it. 
Approximately, XX/XX/XXXX, I got my ATM card and activated it, but it wouldn't let me. 
I forgot to mention that from XX/XX/2023, to approx XX/XX/XXXX, I could not log into my account. I was shut out. I contacted Chime customer service over 27 times via email and several online even talking to a supervisor on the phone. Still without any resolution of logging in. I could have bill collectors take money out but I could not see into my account. This is irresponsible and absolutely ridiculous this bank has such disregard for their clients. 
Then again, the fraud department contacted me, not me contacting them about more fraud. They had the fraud dept contact me about a charge from XXXX for over {$230.00} for pharmacy in Texas? I'm on XXXX and my scripts are paid in grants pass, Oregon. Then I looked at my account because the fraud dept got me in my account immediately after waiting 3 weeks for customer service to do nothing. That is when I noticed {$880.00} in fraud charges. I think it was XX/XX/XXXX. I disputed the charges. They were all made in Texas or Florida. I live in Oregon. They were to XXXX XXXX XXXX, I'm a widow, do not have a sporting goods habit, XXXX which I don't go to, all in Texas. 
Now my bank says it is my fault and won't return my my money to me. I have not been able to get to my hard earned money for over a month. My ATM card was cancelled again, and I still have not received my new card. In a couple of days, my last Social Security widows check will be deposited and I'm fealful Chime will allow the check to be taken by fraudster. They don't seem to care about my money. 
This {$880.00} was earmarked for mortgage and credit card payments. 
What do I do now. My house is in bankruptcy and I depend on my money to survive. 
Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act XXXX account XXXX XXXX XXXX ACCOUNT NUMBER : XXXX has violated my rights. Ive sent many certified letters to the original creditor company mentioned above and the credit bureau and they failed to provide me the copy or any such proof of their investigation results about my complaint. This is the 4th complaint i have filled with the CFPB and the companies didnt do anything to respond or to solved this matter. I have only recieved automated responses saying that the issued was verified as accurate but no real proof evidence of such or any invenstigation made. A lot of illegal innacuracies reported on my personal credit report and nobody takes an action with the credit reporting company or the creditor. 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 writing instructions. 15 U.S.C 1681i ( a ) ( 1 ) ( a ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in aconsumersfileat aconsumer reporting agencyis disputed by theconsumerand theconsumernotifies the agency directly, or indirectly through areseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate andrecordthe current status of the disputed information, or delete the item from thefilein accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from theconsumerorreseller. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.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

I have a new vehicle financed with XXXX XXXX. I wanted to re-finance my vehicle and requested pay off quote from XXXX XXXX ; my financial institution for re-finance assured me that my re-finance would be approved. I understand that I did not make payment because I did not want to get pay-off letters again n again. 
On XX/XX/XXXX, I requested Pay off letter and submitted it to XXXX XXXX XXXX for re-finance. Refinancing institution was backed up on the loan processing, so they requested new pay off letter on XXXX XXXX. 
I let XXXX know about my current situation, If they clearly told me that my account would be reported late ; I could have paid all amount on that date but I was not aware, I assumed that re-financing would be done sooner. I also emailed XXXX XXXX before my account was 45 days past due. Nobody stated to me that 45 days late reporting can not be stopped and it would be done automatically. 
I spoke with XXXX XXXX -Customer representative on XXXX XXXX and requested to not send my account for credit reporting as I am refinancing and also at the verge of buying new house. He advised me to pay at least {$500.00} to cover penalties and pay rest of amount until end of XXXX to avoid credit impact. I have recording of that call with me that I requested that my re-financing is taking a while and if it would not be done, then I will pay all amount I owe before end of XXXX. 
I paid {$500.00} and rest of payment for {$1200.00} is done on XXXX XXXX ( as promised ) but I see that even before end of XXXX, XXXX already reported 60 days late for my experian report. 
In my two years of auto loan financing, my all payments were on time and it only happened this time while waiting for re-finance. As my re-financing consumed lot of my time and I am at the brim of closing house for Escrow, I do not want additional inquiry or late payment on my account. so I have decided to continue my auto loan with XXXX XXXX for the time being.
Product: Credit reporting or other personal consumer reports

This is annoying and frustrating! Regarding the fraudulent account that continues to persist on my credit report. This matter is of great concern to me, as it has had a detrimental impact on my creditworthiness and financial well-being. 
The fraudulent account in question is as follows : XXXX XXXX XXXX I am fully aware of my rights under the Fair Credit Reporting Act, including the right to a fair and accurate credit report. I trust that you will treat this matter with the urgency it deserves and resolve it in a timely manner.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, and a collections account Unknown opened XX/XX/XXXX with a balance of {$550.00} account number XXXX. Inquires XXXX - XXXX XXXX - XXXXXXXX XXXX XXXX  XXXX XXXX  - XXXXXXXX XXXX - XXXX - XXXX XXXX  - XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer on XX/XX/year> and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about cunsomers protection laws, and i request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Mortgage

In XXXX 2016 I sustained hail damage to my home. A claims adjuster inspected the damage and advised me a check would be issued to both myself and my mortgage servicer, Lender Live. Lender Live sent me a Loss Claim package that directed I send the endorsed check to Lender Live. Lender Live cashed the check on XXXX XXXX, 2016. Although I have Lender Live 's customer service more ten times, Lender Live has refused to send me any funds to repair my home. Lender Live acknowledges having received the package which also contains the check, and acknowledges having cashed the check, My insurance company, XXXX, also has a record of the negotiated check. I have written letters to Lender Live, e mails, and calls, all to no actions on Lender Live 's part.
Product: Credit card

American Express offers promotions where if you make the necessary purchase they will credit your charge account with a stated sum. I routinely avail myself of these offers. In this instance I spent the required {$200.00} at XXXX and did not get the promised {$50.00} for using my Amex Serve card. .I did the same offer on my other Amex cards and got my credits within a few days. Their representatives assured me that i would get the {$50.00} credit ( all info herein is documented ) - that I needed to wait 90 days.After waiting the 90 days I resumed calling Amex to get them to fulfill their promise. Instead I ended up with their last response totally off target and making me want to pull my hair out! I have printed evidence that I enrolled my card during the proper period, spent the requisite amount during the correct dates, and an acknowledgment from Amex that confirmed all of the above. Over 120 days have passes and yet I am forced to file a complaint to get the {$50.00}. Very sad!
Product: Checking or savings account

I opened an account with Novo on XX/XX/year> and never had any issues with them. On XX/XX/XXXX, I was no longer able to manage my account. I've reached out to customer service and my account has been frozen and under review. 
XXXX XXXX XXXX owns Novo Bank
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent dispute letter to XXXX on XX/XX/2022. It is now XX/XX/2022. On XX/XX/2022 I disputed the following accounts. 
XXXX Account number XXXX {$7500.00} XXXXl XXXX Account number XXXX {$1300.00} XXXXXXXX XXXX Account number XXXX {$960.00} XXXX XXXXr Account number XXXX {$460.00} XXXX Account number XXXX {$1000.00} XXXX Account number XXXX {$3500.00} XXXX Account number XXXX {$5100.00} XXXX Account number XXXX {$9500.00} XXXX Account number XXXX {$5700.00} XXXX Bank Account number XXXX {$1000.00} XXXX XXXX Account number XXXX {$750.00} XXXX XXXX XXXXXXXX Account number XXXX {$5000.00} XXXX XXXX Account number XXXX {$370.00}
Product: Debt collection

In XXXX 2015, I received a court summons from XXXX XXXX XXXX for a debt. I responded via certified mail within the XXXX time frame asking for proof of the debt and for more information. I received no response. The week of XXXX, XXXX/XXXX/15 I believe it was, I received another court document from XXXX XXXX XXXX asking for a motion of default judgement against me. I was never contacted by Razor Capital, their client, nor was I ever contacted by XXXX & XXXX before receiving a court notice in XXXX. I have called multiple times and asked for the person named in the documents and he is never available. I have never even been given the opportunity to try and settle this claim. No reasonable offer has been made. There has been no communication other than XXXX court notices. I wish to avoid court if at all possible by I have never been contacted to try and work anything out. How can you threaten someone like this? Most companies send multiple letters or correspondence trying to resolve their issues before taking things to this level. I do not understand how people can do business in this manner. I looked up Razor Capital and they have numerous consumer complaints against them for collection efforts. Is this why they felt the need to send a law firm after me? If this debt is in fact valid, I would like nothing more than to come to a fair solution for both sides. All I 'm asking for is communication besides being threatened with court notices. Ca n't this be settled in a civilized manner?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is in violation of the Fair Credit Reporting Act ( FCRA ), U.S. Code 15 1681, and its privacy provisions in connection with my account number XXXX. On XX/XX/year>, I sent a promissory note via certified mail outlining the terms of payment for this account. In the promissory note, it was clearly stated that during the repayment process, no negative information, including late payment history, should be reported to any credit bureaus. 

Despite this agreement, it has come to my attention that XXXX XXXX XXXX has reported late payment information related to this account. This action is in direct violation of the terms outlined in the promissory note and the following provisions of the FCRA : Unauthorized or Inaccurate Reporting of Consumer Information : Under 15 U.S.C. 1681s-2 ( a ), furnishers of credit information are obligated to provide accurate information. Reporting late payments contrary to the terms agreed upon in the promissory note violates this statute. 

Consumer Rights to Privacy : The FCRA ensures the protection of consumer credit information. By reporting late payments without cause, XXXX XXXX XXXX has breached the privacy protections provided to me as a consumer under the FCRA.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 or 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 had an account with citi bank The account closed and charged off and I have called them several times to pay the account or pay a settlement offer if there was one each time I called they told me they are not taking any payments on the account And there was nothing I could do I have asked XXXX to remove this account from my credit report and they will not do so This is hurting my credit and I need this account to be closed and removed The balance on the account is XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiries : XXXX XX/XX/year> XXXX XX/XX/year>XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, Is still placing a non negative history in a negative category. They are not honoring the laws of me being a american citizen with rights 15 U.S Code 1681s -2- Responsibilities of furnishes of information to consumer reporting agency Reporting information information with actual knowledge of errors 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. 

In accordance with the fair credit reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX Account ( XXXX 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 instructions 15 U.S.C 1681c. ( A ) ( 5 ) section states : no consumer reporting agen
cy 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
Product: Student loan

I cosigned a private loan through XXXX to help my step son get a secondary education ( contingent on not having any financial responsibility for the loans ( My step son, his mom and his dad agreed to this ) ) XXXX transferred the loan to Navient to service. Upon graduating from college my step son did not make enought money to cover the monthly payment for all his Federal and Private student loans. In XX/XX/2012 we contacted XXXX/Navient to set up an income based payment plan so that he himself could afford to make the payment each month on time without undue hardship. XXXX/Navient refused and would only offer to allow him to make interest only payments for two years. Feeling that there were no other options he ( with the help of his Mom and Dad ) complied and they collectivey made interest only payments on time each month for two years. My step son has always had a job, decent credit and was making the payment on time each month. He requested XXXX release me as the cosigner for the loans - they denied his request citing he did not meet the requirements but they would never disclose what the requirements were not met. After the interest only two year period was up the monthly amount due doubled. We made several request to Navient to lower the payment to something management that my step son could afford to pay each month with undue hardship. Navient took income statements from both of us on more than one occassion and then declined to lower the payment again. My step son and his father stopped making payments which forced me to liquidated assets and take on a part time job to keep up with the high monthly payment. My step sons mother and I made sure the payments were made on time each month for 2 consecutive years as required to release a cosigner. My step son submitted a request to lower the payment and have me released as the cosigner again and that request was denied again. I lost my part time job and could no longer afford the monthly payment. Navient refused to work with me to make an affordable monthly payment arrangement I fell behind and XXXX of the XXXX loans is now in default. As the cosigner I was investested in ensuring the loans were paid on time each month to protect my credit. Navient demanded an unaffordable loan payment each month, I advised them of my financial situation yet they were unwilling to work with me on any level. They began calling me daily sometimes up to 7 times a day demanding payment and threading to sue me. Navient used deceptive practices by denying us an income based repayment plan. Now XXXX of the loans is in default the other is on its way and my credit is ruined.