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 proce 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. ( 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 proce 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 XXXX ) financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX, XXXX, at some point after signing the documents the financing of the vehicle was turned over to XXXX XXXX, in early XXXX, XXXX XXXX reported a payment as more than 30 days late despite the problem being their fault. Specifically, my wife paid the bills through her account including the car note. My name appears first on the paperwork, but also includes my wife nevertheless, one payment was processed by XXXX XXXX in my name, but through my wife 's account at XXXX  XXXX XXXX, where I do not bank. The payment came back stating that the account could not be located. When my wife received the email from XXXX XXXX, I called them immediately about the issue. During the phone call the CSR stated that they had processed it in my name, and stated that despite this being their fault, it was going to show up on our credit report. Thus, I contacted the bureau to dispute the accuracy of the account. The Bureaus, reported it as disputed but did not include my personal statement, and did not contact my wife and I about the results of our dispute. We were coming out of Bankruptcy and trying to buy a home through HUD 's " back to work program '', this was a barrier that could not be overcome. We tried to get a pay-off from XXXX XXXX, but they refused to provide us with a pay-off. We went to the dealership to get rid of the car and was told they would get the pay-off. We ended up purchasing a XXXX XXXX XXXX, putting down {$10000.00}, which changed to {$16000.00}. Because of air quality problems with the car we did n't want to take possession of the car until we moved into our new home the dealership and us agreed to allow this and we insured both vehicles, since the papers were signed and down payment was paid by cashier 's check, we thought the deal was fully consummated receiving our account number with the new bank XXXX XXXX, and speaking with them several times. We still do n't know exactly what is going on, but XXXX XXXX filed suit with our state court in Pennsylvania. But even prior to the suit we paid the account current to avoid any problems with the deal for the new car. We were forced to file bankruptcy as we did n't know what was going on and money was running low. So we contacted the attorney for XXXX XXXX about the payments and the dealership and XXXX XXXX. The lawyer told us that she was no longer on the case and that we should contact XXXX XXXX directly. We contacted both XXXX XXXX and XXXX XXXX. XXXX XXXX either blocked us from calling or changed their number, while XXXX XXXX keeps saying that our account is handled by someone else the number given no one ever answers. Despite all of this they keep reporting our account as delinquent not acknowledging our payment, although they have accepted it. They have not returned the payment either. When my credit scored dropped is essentially put my VA loan on hold and we stand to be homeless in a matter of 5 days.
Product: Credit reporting or other personal consumer reports

Despite several attempts to resolve this matter, the incorrect information remains on my credit report, causing significant damage to my credit score and financial standing. 

On XX/XX/XXXX and XX/XX/XXXX, my mortgage account was reported as having late payments. However, these reports are inaccurate. I have reached out to them several times to no avail, yet no action has been taken to correct the errors. 

The Fair Credit Reporting Act ( FCRA ) mandates that information reported to credit bureaus be accurate and complete. The continued reporting of these late payments violates this requirement and is unjustly harming my credit profile.

I request that [ Bank Name ] immediately : Correct the inaccurate late payment entries on my credit report. 
Notify all major credit bureaus ( XXXX, XXXX, and XXXX ) of the corrections. 
Confirm in writing that these corrections have been made.
Product: Money transfer, virtual currency, or money service

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: Vehicle loan or lease

Refusal to accept tender of payment. I have attempted on several occassion to fufill any financial obligation with Mercedes Benz FinanciaL. My attempts to tender payment have been met with refusal. I have attached proof of the attempt to tender payment as well as proof received by Mercedes Benz Financial on XX/XX/2023, which was my last attempt. My account is still showing a negative balance as of XX/XX/2023. According to UCC section 3-603 tender of payment-a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. 

( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. 

In addition according to Mercedes Benz Financial XXXX document on securities and exchange commission, Article Four in reference to Satisfaction and discharge.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter to XXXX  regarding inaccurate and negative information on my credit report. 

It has currently been 55 days and I have yet to receive a response. 

I feel like I'm being taken advantage of, and my disputes are being ignored. It has been over 55 days, so they be deleted promptly. 

I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. 

Please see attachment.
Product: Vehicle loan or lease

I had a retail installment loan through Kubota Credit. 

The loan was paid off ( total loss insurance claim ) on XXXX My autopayment was then deducted XXXX XXXX ( per my bank ) a second auto payment was drafted AGAIN on XXXX I have contacted Kubota Credit and they are doing an internal investigation for the last XXXX days. 

As of this date they are giving me the run around and refusing to return the two fraudulent charges.

Their system shows a partial refund, I have not received any refund, and why WOULD IT BE A PARTIAL RETURN!!?!
Product: Checking or savings account

I opened my account online and made a deposit of {$12000.00} into my account on XX/XX/year>. On the receipt stated that there would be a hold on my account until XX/XX/year> since it was a new account. A week later I received XXXX separate letters dated XX/XX/XXXX. XXXX stating that my account was closed due to fraud. One letter was from the card fraud division. However, I never received a debit card, and the only transaction that was made on the account was that deposit. One of the letters stated that I could go into a branch with two forms of ID if I felt that the closure was made in error. Every single check that was deposited was made payable to my business, and they were issued from several different insurance companies for services that were rendered to patients. On XX/XX/year> I visited a branch to figure out what was going on and the person helping me could not figure out why my account was closed nor the person that she called. I was informed that one of the checks I deposited in the amount of {$150.00}, had a stop payment put on it. Which is a circumstance beyond my control. I visited another branch on XX/XX/XXXX, the date after my funds were cleared, and the branch representative told me the new accounts department was already closed, and to come back again on Monday XX/XX/year>. I visited that same branch on XX/XX/year>. The branch representative called the new checkin account department and was told that they will not release the funds unless I prove that each check deposited actually belongs to me. Every single Item deposited was made payable to my business. There should be no need to provide any additional information when the checks have already cleared and was written out my business.
Product: Debt collection

I declare under penalty of perjury ( under the laws of the United States if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge Further, l certify that l am permitted by FEDERAL and STATE LAW to fle this dispute also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U S C 1001 Additionally these misstatements are punishable as perjury under 18 U.S C 1621 This colle ction found within my credit report are nol relaled to any transaction that made / am eleging that a person or company - without my authorization- used my personal identifying information to apply for goods, services. or money and was successful in creating some accounts all are being investigated by the FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with XXXX5 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX  XXXX, LA XXXX 2. there is some inaccurate information reporting. 
XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
3. there is some inaccurate information reporting. 
XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
4. there is some inaccurate information reporting. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
5. there is some inaccurate information reporting. 
XXXX  XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
6. there is some inaccurate information reporting. 
XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
8. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, LA XXXX 9. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, LA XXXX 10. there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Product: Debt collection

I live in a subdivision that requires us to use a specific internet and cable service it is not XXXX proof of service has not been received address of service has not been received. We used dis more than 7 years ago but it was on autopay and that account was closed in good standing.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of fraudulent information on my credit report. Upon reviewing my report, I discovered accounts that are not mine and are the results of identity theft. These fraudulent accounts have already been deleted from the records of other credit bureaus, highlighting the discrepancy in your reporting. I have contacted the banks associated with these accounts via phone call, and they have confirmed that the accounts were fraudulent and have removed them from their records. Despite submitting the required FTC report, the accounts continues to appear on my credit report with your bureau. The presence of these fraudulent accounts tarnishes my credit history and could have serious implications for my financial future. I demand that you promptly investigate this matter and remove the fraudulent accounts from 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
Product: Credit reporting or other personal consumer reports

The debt is not valid for FLAGSTAR BANK FSB, XXXX XXXX XXXX, and XXXX XXXX XXXX are incorrect and I have requested financing statements for each along with validations. The reporting is false. The identity used to report this information was stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I continuously contacted the credit bureaus and the company XXXX XXXX XXXX showing them my identification and proof of my residence. That the debt is not valid and it has not been removed from the credit report. The collection company has my identification from two states XXXX, XXXX  and XXXX XXXX  showing them where I reside and continue to reside. The debt is not valid. It needs to be removed from my credit report since it impedes me from getting home loan.
Product: Credit card or prepaid card

I have earned rewards money ( in XXXX ) using my XXXX Citibank Visa credit card and I am unable to redeem it because XXXX employees are telling me ( on XX/XX/XXXX ) there is an error code. Citibank 's website is also giving me an odd error message when I try getting the rewards reissued.
Product: Credit card

XXXX   XXXX     2016 I called card servic es and asked that my annual rewards program renewal fee not be dedected from my account as I did not want to pay the fee at that time. My intention was to start the rewards program back up at a later time. What happened is that they changed the product type of my credit card from a rewards card to a platinum card. I did not understand and was not aware of this change. I did not consent to this change. My sole intent, which I made very clear, was to not be charged the annual program fee at that time. As soon as I realized the mistake I called wells fargo and asked them to fix the mistake . Wells fa rgo now states that I am ineligable to switch the products type back to what I had.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM REQUESTING A SECURITY FREEZE ALONG WITH BLOCK ON ALL ACCOUNTS. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX BANKRUPTCY CHAPTER XXXX DISCHARGED XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX # XXXX Account Name : XXXX FIN # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX # XXXX Account XXXX : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>
Product: Debt collection

This debt was paid in full directly to XXXX XXXX, they sold this account to perfection Collection, I was able to provide all paid receipts to Perfection in which they ignored all my results, and which they were unable to verify the debt. they then sold the debt to mountain run solutions, I have sent several letters to validate the debt and also provided the paid receipts to this company, they are trying to collect on a debt that is not valid. i have the original contract which the balance stated clearly states {$530.00}. Mountain Run Solutions is requesting that I pay {$1100.00}. 
I am exercising rights to have this information removed and this company be reported as reporting fraudulent accounts on my credit report.
Product: Checking or savings account

I bid a concrete job at XXXX XXXX XXXX XXXX XXXX Texas XXXX on XXXX XXXX at XXXX XXXX with A gentleman named XXXX. Said he heard about my company from XXXX. Gave him a bid for XXXX he approved and asked us to start on XXXX XXXX. He then mailed me a check for {$7300.00} and asked me to pay the plumber a deposit of {$3200.00} for materials on a plumbing job at his home and the remaining balance would pay myself a 50 % down on the job XXXX bid and he approved. Said I would receive the rest at the complete of the job. Then he text me Sunday XXXX XXXX saying he needed to cancel due his mother passing and told me he needed the money back minus {$1000.00} to compensate me for my troubles. He asked for {$2500.00} right away threw XXXX or XXXX XXXX. I tried to send XXXX XXXX to $ XXXX. When doing so I was alerted with this might be a scam he assured me is wasnt and I sent two payments of {$1000.00} to a XXXX XXXX it failed and was returned to my. He asked me to try cash app $ XXXX and the same thing happened. He then asked me to deposit into a XXXX XXXX acct # XXXX under XXXX XXXX stating he was the plumber. The name of the Company is XXXX XXXX. Now my bank has informed me that the check I cashed from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX check # XXXX in the amount of {$7300.00} signed by a XXXX XXXX was fraudulent and now Im being charged for the entire amount and my business account has been frozen
Product: Mortgage

I recently was forced to get an appraisal done through Roundpoint to get the PMI removed from mortgage. Roundpoint made me get this appraisal respite the lender not specifically requiring appraisals for PMI removal ( Lender requires some form of property value assessment, acceptable forms include XXXX. ) Before I agreed to this appraisal I made sure I would receive a copy of the report and the invoice. Roundpoint confirmed in writing that I would receive these items ( Reference paragraph XXXX of the XXXX email attached ). The appraisal report was sent from the appraisal office to Roundpoint on XXXX/XXXX/2016 ( I was not copied on this ). On XXXX/XXXX/2016 at XXXX am I sent an email to Roundoint ( servicinghelp@roundpointmortgage.com ) again requesting a copy of the appraisal and invoice ( reference attached XXXX email ). I waited weeks before sending another message through the Roundpoint online messaging service, again requesting this information ( reference attached XXXX message ). Roundpoint has refused to give any kind of response.