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

I am filing a complaint against Cash App ( BlockInc. ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Fair Credit Reporting Act, Section 609 Dear Credit Reporting Agency ( Experian, XXXX, or XXXX ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX XXXX. 
As per Section XXXX, I am entitled to see the source of the information, which is the original contract that contains my signature. 
If you are unable to verify the account with the original contract like I requested before, the information should be removed from my credit report within 15. 

I have not supplied proof under the doctrine of estoppel by silence, engelhardt v. gravens ( mo ) 281 sw 715,719, I presume that no proof of the alleged debt, nor there any such debt in fact therefore exists. 


I was reviewing my credit report and seen some inaccuracies on my file. XXXX deleted XXXX XXXX XXXX XXXX./ XXXX XXXX XXXX XXXX XXXX to not being able to accurately verify it so how did you? Obviosly, you did not properly conduct an investigation on this account. DELETE THIS ACCOUNT IMMEDIATELY!!! 


I have a right to bring a lawsuit! 

I need this deleted ASAP!
Product: Debt collection

On Wednesday, XX/XX/XXXX, at XXXX I contacted Midland Funding LLC at XXXX XXXX XXXX XXXX regarding a collections account after discovering it on my credit report. Upon calling the creditor and attempting to pay the balance in full ( {$3000.00} ), I was informed that there was a judgement against me and that my balance could change either higher or lower and that I needed to call back on Monday, XX/XX/2020. I said thank you and hung up. This surprised me, however, because I didn't know what they meant by judgement so I began XXXX  it and found it to mean that I was supposed to have been notified of a summons to appear being made against me. This never happened. I do not know where this hearing took place nor when it took place nor who I was even supposed to contact about it. 

I called back today, XX/XX/2020 at XXXX again attempting to settle my debt before being told that the balance still has not updated from the judgment and that I would need to call back Wednesday, XX/XX/2020. I am ceasing communication with the company in fear that my rights will be further infringed upon, and turning to you all in hopes that we can find a middle ground.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair CreditXXXX & XXXX XXXX Opened XXXX {$220.00} XXXX XXXX XXXX Opened XXXX {$730.00} XXXX XXXX XXXX Opened XXXX {$1200.00} 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

This morning, I noticed some incorrect accounts appearing on my credit report, and I have no clue how they got there. When I reviewed my report as I usually do, I was surprised to find unexpected discrepancies. I even tried refreshing my browser, thinking it might be a temporary issue, but the errors remained. Given this situation, I kindly request a thorough review of the documents I've provided to ensure I wont have to worry about this problem anymore.
Product: Credit reporting or other personal consumer reports

hard inquires Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your XXXX 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 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 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 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 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: Vehicle loan or lease

I bought used car from XXXX with approved credit and paying timely monthly payments but due to high interest I applied PNC bank auto refinance loan with co applicants. My credit score XXXX XXXX and co applicant credit score XXXX XXXX and they denied credit base on key factors that adversely your credit score for both applicants are exactly SAME, when I called representative said me you did not put CASH DOWN.
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 NUMBER : 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 XXXX XXXX XXXX XXXX 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 Equifax 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 accounts 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

inquiries were fraudulently put on my credit reports. these are the dates of the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 

This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure fair and complete accuracy. 

Here is the item I am asking you to verify as accurate : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  company is very slow to process to make a report about credit utilization rate to three credit bureaus. I paid in full amount and made credit utilization zero to increase credit score to get VA loan ( Veteran ). 

XXXX XXXX  did not update for a long time, it gives a bad impact to me and my children.
Product: Credit reporting or other personal consumer reports

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section XXXX ( b ) ). 
Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section XXXX ( c ) ). 
Harassment under 15 USC 1692d ( Section XXXX ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :
Product: Mortgage

As a single mother I purchased my home in XX/XX/XXXX with XXXX. Around XX/XX/XXXX I was targeted by a Wells Fargo representative to refinance my home which I stupidly did. He told me that I could take out {$20000.00} equity but at the end I came out the loser with no money back, within three months my mortgage went from {$1300.00} a month to {$1700.00}, then {$2100.00}. The mortgage amount kept changing every month to the point I could n't afford my mortgage anymore. I asked Wells Fargo for a loan modification, I was offered two modifications where the amounts were still almost the same. I told the representatives at Wells Fargo that they were setting me up for failure. They told me to take it or leave it, sell the home or face foreclosure. I wanted to keep my home so I felt that I signed under duress. I was approached by an attorney who told me that he 's done many loan modifications. I thought I was saved. He took my money and left me to face Wells Fargo on my own. Now I 'm facing foreclosure once again and I can not get anywhere with them. One representative tells me I 'm eligible for a loan modification, I faxed my paperwork once again to speak with other representatives who told me that I was n't eligible. They 've been rude, condescending. I was told to do a deed in lieu or face foreclosure. I received a land court letter, now the home is in active foreclosure with no sale date. I have been in lobo with WF for so long that I 'm unable to function properly leaving me with XXXX that I ca n't shake. Please help me in any way you can.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1692g I never received any communication about this unauthorized collection and according to law it must be removed immediately. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Debt collection

I 've sent letters to this agency to verify this remark on my credit report. They have not sent any verification and it remains on my report.
Product: Mortgage

-Att Loan Servicing Complaint on Wells Fargo Bank VA Loan Short Sale ( I feel like Wells Fargo Bank is not doing their best to assist me with my VA short sale. ) Hello, This VA short sale is being completed because of the value of my property going down while I was in the Military, I was unable to attempt to sell my home and move my family away from my XXXX when I got out because of the home market values/compared to what I owed on my home. 
This is the second attempt at completing a VA short sale with Wells Fargo Bank ( first one failed because the offer was not 85.05 % of the total appraised value of my home required by VA ). I have learned all this process by talking with VA and doing my research online for VA short sales. The appraised value was higher than fair market value. So when the first Short Sale failed, I went to VA for a reconsideration of Value and have received a new appraised ( fair market value ). I currently have a new offer on my home for a second attempt at a VA short sale. This offer was signed on XXXX XXXX 2015, and I and my Realtor have been sending in paperwork to Wells Fargo Bank like crazy. I will say that we had some issues with being able to fax the documents that were required to start the VA short sale process, IE bad copies, blank faxes. During this process after about 2 weeks of doing this I asked if there was another way to send the documents in to Wells Fargo, they said the only way was to Fax it in. I then talked to a different person from Wells Fargo after all the Fax attempts failed and they said, " Yes you can just send them to me in a secure email ''. After all those failed Faxed attempts, and almost 2 weeks later, it took me XXXX minutes to email the documents in. ( No communication, why did they not tell me this ) One of the big problems is that I will ask Wells Fargo if there is any paperwork missing? Is there anything that my Realtor needs to send in? what do you need from me? I have been calling Wells Fargo almost every day for the past 3 weeks checking in to see if there is anything that needs to be done. Today XXXX XXXX 2015 I made my phone call and was told that page XXXX of the Hud 1 Agreement was missing. Myself and my Realtor had turned this paperwork in weeks ago, and every day I was asking was there any paperwork missing? are we good to go? And the answer I was always getting was they are still reviewing my short sale, ( for the last 3 weeks or so ). I am afraid that I will lose this offer on my home, my Realtor has informed me that the buyer has to move out of there other home soon. At this rate I am unsure if we will make the current closing date of XXXX XXXX 2015. 
I just want to ensure that I am receiving the best help from Wells Fargo Bank with this VA short sale. I have never missed a payment on my current home, and I have been a loyal customer as long as I have been with Wells Fargo Bank. 
Thank you for your time14 year Proud ( XXXX ) XXXX Veteran
Product: Credit card or prepaid card

I received the temporary XXXX card from a PLS location in XXXX somewhere on or around XX/XX/2021. Not even a week with the temporary card, I attempted to report my card ( my entire wallet ) stolen with PLS, but ( first ) the customer portal would never allow me to log on appropriately and every time I went physically to a PLS location in XXXX, I was told time and time again that I had to wait for the new card. Which wasn't being mailed to the address PLS has on file for me, but the new/permanent card would be mailed to the store location instead. It has been a year, I still have no card to replace the temporary one stolen, but the permanent card from XXXX card never came to my residence. Not one of the PLS representatives attempted to find any resolve with the situation I was dealing with and just tried to pass the job off to someone else or tell me I had to wait instead of finding a feasible resolution to the problem. Until this day I can not get in touch with any customer agents internally within PLS. I did file an official XXXX Police Report on this matter ). My entire wallet including the temporary card and info were of many things recently recovered within the contents of my things. 

The following transactions are in question : XX/XX/2021 : {$5.00} fee XX/XX/2021 : XXXX XXXX {$47.00} XX/XX/2021 : Charge {$250.00} XX/XX/2021 : Charge {$5.00} XX/XX/2021 : Charge {$5.00} XX/XX/2021 : Withdrawal {$480.00} XX/XX/2021 : Deposit {$700.00} XX/XX/2021 : Deposit {$100.00}
Product: Money transfer, virtual currency, or money service

I finally claim against cash app due to in adequate customer service and unfair practices violate the consumer financial protection act. Specifically cash app failed to take timely and effective measures to address fraud on their platform, leaving account vulnerable, and unprotected furthermore this dispute resolution process was unfair and deceptive as they did not comply error resolution requirements under the electronic fund transfer act and regulation E. These actions have caused significant inconvenience and financial loss and I see appropriate redress for these violations.
Product: Credit card or prepaid card

On XX/XX/19 and XX/XX/19, I was charged return payment fees of {$27.00} each for attempting to pay off my balance through what I thought was my bank account. After talking to customer service, it was a random XXXX XXXX XXXX XXXX account that was connected to my XXXX Visa Barclays Card account in addition to my regular bank account. They removed the account but did not refund the return payment fees nor provide an explanation of how the XXXX account was on my account. On XX/XX/19, I call again about this issue and they refunded my return payment fees, but no explanation regarding the random XXXX account. During the same phone call, I get transferred to credit services to inquire about a credit line increase. I ask for a credit line increase from {$500.00} to {$2000.00} per month. The customer service agent does a hard pull on my credit which I consented to, asks for my income, and rejects me because of a brand new return payment fee that he says is on XX/XX/19 ( which is in the future! ) on my XXXX Visa Barclays card account. He transfers me to someone else whom I can ask questions to about this fee, but this new agent does not see that return payment fee on my account. I do not see it on my account or any of my other credit card accounts either. I call once more and the new customer service agent also does not see this on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19, I opened a new credit card account with XXXX  XXXX XXXX. My credit score was XXXX at that time. When I checked my credit score on XX/XX/19 it dropped 27 points to XXXX. According to the credit bureaus a hard credit check would probably drop the score 5-10 points. I have no negative accounts/late payments ever, on my credit report and all the information on the report is correct. I contacted XXXX on XX/XX/19 and after an hour of mostly being on hold, they had no explanation to why such a drastic reduction in score from only one credit check. No other credit checks were on file and XXXX had no remedy for me. I also contacted XXXX XXXX XXXXXXXX on XX/XX/19 and was informed that only one credit check was performed. I feel that there is an improper practice of scores being incorrectly reported as I have spoken to many other people experiencing the same incident. My score was even lower on Equifax and XXXX XXXX and want to include both in this complaint. There should be an investigation into why these discrepancies are occurring because a person 's credit history is a very important factor in our economy and should not be abused in this manner. Thank you for your time and attention to this matter.
Product: Vehicle loan or lease

2014 48 months XXXX was the note but I paid XXXX for 30 months and XXXX 18 months. Wells Fargo has taken extra money from me. The billing address is XXXX XXXX XXXX XXXX XXXX ca XXXX.
Product: Credit card or prepaid card

On XXXX XXXX,2017, My husband was approved for a CC Capital One. It was then shipped out on XX/XX/2017.When we received the CC we contacted Capital One to activate the CC. We than were told the by several agents the CC was placed in the Fraudulent department? We than tried to get answers as to WHY it was placed in that department and no one had the answer but to tell me us We do n't know. So my hubby spoke with an agent to get this cleared up, she asked him several questions. ( he could NOT hear her due to the interference and she spoke so quickly my hubby asked her many times to slooooow down. she than apologized and informed my hubby that unfortunately they could not activate the card? She than requested some vital information from him to submit to Capital ONE ... and we still are unclear as to WHY the card was placed in the Fraudulent department and why he was approved! They refuse to hear reasoning 's so I decided to submit a complaint to this agency
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX