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, violations of a dv ( XXXX XXXX  ) restraining order to protect me, and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

Wells Fargo mortgage Transferred my loan with out my knowledge, after having my loan for 13 years. With the mortgage I had a free bank account. that I'm loosing because of the transfer. Now before hand, I was one of the MERS. ( Mortgage Electronic Registration System ) Account holders. That lead into a mess of Fraud taking  place with mortgage paperwork. Anything that has fraud in any legal doc, should be obsolete. My lawyer looked into this matter and told me that they're are other matters of fruad going on with my mortgage that Wells Fargo implemented to me. Even though they forced me to get 3 months behind in 2014 to get a modification, they told me that's the only way to bring down my payments & rate. I realize most importantly for me to resign the new paperwork to make it legit, because they got caught. This was years later from the original signing. The first package they send me was the resign modification docs. I have every Doc from the beginning, also recordings of our conversation on Voice Memos. Ive been getting the run around for almost two months now. XXXX XXXX letters with one page in them telling me the same thing. 

We want to make every effort to fully address all of your concerns and provide you with a thorough response. Seems like they just have a following up schedule to say they spoke or send a letter.
Product: Debt collection

Started complaint with XXXXXXXX XXXX XXXX XXXX  ( Report # XXXX ) to dispute Credit Systems Inc. once again just sending a report to credit bureaus and I have no opportunity to see final bill or check with my insurance about what was paid and what was still owing ( I have recieved nothing ) XXXX refuses to request a bill from Credit Systems Inc. so I have ABSOLUTELY nothing to go on
Product: Money transfer, virtual currency, or money service

Bought XXXX dollars in Ethereum. Entered in my correct birthday information on the website, but I accidentally entered in my age wrong when setting up a XXXX to link the money to as under XXXX I have n't been given an option fix the date and instead my account is just suspended. Sent them pictures of my drivers license and later got an E-Mail that they were unable to verify my drivers license, but when I go to the website, it says my identity has been verified but my account is still locked from buying and selling.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX  XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX   XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX/XXXX
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

American Express Blue Cash Everyday card was opened in my wife 's name and an extra card was requested in my name. Instead of opening one account as we thought we were American Express was actually opening two separate credit accounts. They did this under the guise of it being one account but it clearly was not. This is fraudulent behavior on par with what XXXX XXXX did.
Product: Checking or savings account

**Subject : Formal Complaint Against XXXX XXXX XXXX for Financial Misconduct and Abuse of Position** Dear Consumer Financial protection bureau , I hope this letter finds you well. I am writing to formally file a complaint against XXXX XXXX XXXX regarding her misuse of her professional position to intentionally interfere with my financial transfers, resulting in significant financial harm. 

In XX/XX/year>, I initiated several financial transfers to fund my brokerage account, which held a substantial amount of money invested in various financial products. These transfers were vital for managing my investments and maintaining the stability of my financial portfolio. XXXX XXXX, an acquaintance with intimate knowledge of my financial affairs, had access to this information through her position in the banking sector. 

It has come to my attention that XXXX XXXX used her position to manually override and block these transfers without justifiable cause. Her actions directly caused a series of damaging financial consequences, including but not limited to missed investment opportunities, penalties, and disruptions in my portfolio. These events have led to ongoing financial instability, the effects of which are still being felt to this day. 

I believe XXXX XXXX 's actions were not only unethical but also a violation of her professional duties. Her misuse of privileged information and abuse of her position to cause deliberate harm is deeply concerning. I request a thorough investigation into her conduct and that appropriate measures be taken to address the financial damage caused by her interference. 

I am prepared to provide all relevant documentation, including transfer details and communication records, to support my complaint. I trust that this matter will be treated with the seriousness it deserves, and I look forward to your prompt response. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, NJ XXXX Email : XXXX Phone : ( XXXX ) XXXX
Product: Debt collection

I am a Victim of identity theft and this is my official complaint statement of crime. These reporting items are not mine and need to be removed and blocked from my report. I have filed an official complaint with the creditors. Other legal and government agencies have been notified under the XXXX  and the fraud needs to be removed immediately, or further legal action against the credit bureausmany thanks for considering my request.
Product: Checking or savings account

I was XXXX from XX/XX/XXXX through XX/XX/XXXX I have filed several appeals and disputes with money network prepaid account. I have also filed a complaint with the comptroller of currency here we are for me filing another complaint, as I still havent reached a resolution for the money that was spent from my account while I was XXXX I have submitted all proofs of XXXX and release and I just want the money that is owed to me rep paid back to me. As its obviously unauthorized fraudulent transactions as I was XXXX in Tennessee Department of corrections.
Product: Mortgage

In XX/XX/XXXX I did an IRRL with American Financial Network Inc- XXXX . Since Covid19, I was on a forbearance for 4 months. Before being removed I applied for a loan modification. I've talked to someone in the Loss Mitigation Program. I received a letter stating that I was in the Loss Mitigation Program and could not have two active homeowner program at a time. This is incorrect. I have only filled out one application to have my mortgage payments modified and added to the end of the loan. I have called several times, no one can give me a correct answer I don't know the status of the only loss mitigation application that I applied for, please can someone assist me. This has been the worst mortgage experience. I've tried calling and emailing, and mailing no one seems to know what they are supposed to do. 
On XX/XX/XXXX, I was told they would do a modification by increasing the loan from 3.125 to 3.3 %. I told them I would not accept the new terms, that was not what I applied for, I was applying to lower my payments with a lower interest rate. They have yet to fix or communicate with an answer.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, illegitimate Accounts : XXXX XXXX  XXXX acct # XXXX, XXXX XXXX acct # XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX. have 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 credit reporting agency can not furnish an account without my written instructions.
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 confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All accounts above has violated my rights. 



15 U.S.C 1681 section 602. A state, 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 9 ( a ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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- ( 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

This third party company ( Equifax ) has obtained and reported information without my written consent. This is fraudulent and they have no rights to do this.

According to 15 USC 1681a, consumer reporting agencies have no right to report credit transactions or factual information.

According to 15 USC 1681b ( 2 ), consumer reporting agencies need written consent to furnish report.

According to 15 USC 6802, consumer reporting agencies are not allowed to furnish consumer information with third party agencies. Third party agencies having such information is against my rights and identity theft. According to 15 USC 1681a ( 3 ), consum
er reporting agencies assumed this role and arent technically a bureau because they dont report to the government.

According to 15 USC 1605, any payment history that involves a finance charge being reported on a credit report is deemed unfair. I have several.
Product: Credit card or prepaid card

I have been attempting to resolve an issue since XXXX with Lowes Credit Services managed by Syncrony Bank. Lowes Credit Services auto pay system erroneously double drafted my account on XXXX which prompted my bank to flag the payment and decline it. I submitted an inquiry to Lowes and made multiple phone calls immediately after receiving notification of the issue beginning on XXXX. I also, in good faith, submitted payment manually to Lowes while Lowes worked through the issue. I submitted a follow up response as my request to correct the issue was denied and my account was closed immediately without warning. After learning that Lowes closed my account and did not provide a plausible explanation, I submitted a follow up response on XXXX and provided multiple documents to provide evidence of my claim which included a letter from my banking institution. After supplying the evidence, On XXXX I received communication from Lowes that stated I would receive a response within 60 days. On XX/XX/19, I learned that my credit score dropped due to the negative reporting from Lowes. On XX/XX/19, I escalated the matter with Lowes and was advised by Lowes that I would receive a response within 7-14 days. To date, I have not received a response, my account remains closed and my credit report has not been corrected. I would employ the CFPB to investigate Lowes for unfair credit practices. Very much appreciate the assistance.
Product: Debt collection

I had to pay XXXX College the remaining balance on my bill of XXXX in XX/XX/2020. I agreed to pay as long as they would remove it. They said they would. I ended up paying off the collection but now both the debt collection agency and the school have refused to have it removed. Its like I did what I was asked to do now they are refusing to remove it and refusing to respond to me.
Product: Money transfer, virtual currency, or money service

On XXXX, XXXX, XXXX agent in XXXX asked that we make a payment of {$5000.00} to XXXX  XXXX XXXX XXXX XXXX account XXXX. Citi bank XXXX XXXX XXXX NY XXXX. 
The company addreess is XXXX XXXX XXXX, XXXX New Jersey. This amount was paid from a XXXX XXXX through online wire transfer from joint account number XXXX and duly charged from and confirmed XXXX TRN XXXX RFB # XXXX. 
After paying, the recipient claimed that the omission of XXXX from the information would make the payment invalid, AND HE WENT FURIOUS AND ASKED US that unless we sent our IDs he would not make a return to sender request therefore wrote that we should RECALL The MONEY AND HE DOES NOT WANT ANY COMMUNICATION BETWEEN US after we refused to to send the IDS He, therefore, started to abuse us. XXXX XXXX was informed and after 6 months in XX/XX/2020, we were told that CITIBANK REFUSED TO REPLY A CLAIM FOR return of the money and urged to contact CITI BANK. We did but no reply as attached. The recipient Company insisted that no payment was made into the account and therefore it is still in CITI BANK as a suspense account
Product: Credit reporting or other personal consumer reports

My information got hacked and someone applied for a credit in my name to XXXX on XX/XX/year>, A fraud inquiry was put in my file, I would like it deleted Thank you
Product: Credit reporting or other personal consumer reports

I asked to give reason/s why they lowered my credit score. They basically do the following : they ran my information through their computer program and it spits out a XXXX  score over which they claim they have no control.
Product: Debt collection

This account does not belong to me the address where this account was opened I have never lived there before
Product: Credit card or prepaid card

On XX/XX/XXXX my phone and wallet was stolen at my residence at XXXX XXXX XXXX XXXX. The thief got on my phone he stole and then transferred money from my unemployment card ( XXXX  XXXX XXXX  ) to XXXX XXXX. They then made several unauthorized transactions- a transfer for {$1000.00} another for {$500.00}, another for {$800.00}, another for {$180.00}. I believe there was another transaction or 2 they did through cash app. On or around XX/XX/XXXX the suspect ( XXXX XXXX ) hacked my unemployment online account and entered their information and debit card and received my payment of {$140.00}. I let XXXX know of the ongoing fraud and also let XXXX XXXX  know as well. I have been robbed for around {$4000.00} and have lost my place to live without receiving any payments. I was told that my money would be refunded but I need action to be taken now.
Product: Bank account or service

On XXXX XXXX I went to the Citizens Bank on XXXX XXXX, in XXXX, MA and gave my son 's bank information in XXXX and wired {$200000.00} to XXXX do XXXX, where my son has a checking account. ( My son lives in XXXX ) On XXXX XXXX, I 've realized there was a mistype in the XXXX he gave to me. I called the Citizens Bank Wire Department and was able to fix the number and they told me the money would be available in XXXX on XXXX XXXX. 
Until XXXX XXXX XXXX, the money has not arrived in my son 's checking account in XXXX, but left my account on XXXX XXXX. 
I 've called Citizens Wire Department many times and they told me the money was transferred to XXXX XXXX XXXX and that XXXX XXXX XXXX would be responsible for that wire transfer. 
I 've asked if they could trace the money since it 's been more than 2 weeks, they ca n't. XXXX XXXX XXXX is the bank responsible for that and if XXXX XXXX XXXX has not called them to say something went wrong, they do n't communicate with XXXX XXXX XXXX, they assume everything went well. Although I 've been calling to let them know it has not. 
They also told me I could start a process to get my money back in my checking account with Citizens but I would lose the fees I 've paid for the wire transfer to be made. 
I just want to find out what happened to the money. Even if there was something wrong I should have gotten a phone call or something.. This is not the way a Bank should treat a client/customer who trusted the Bank. This is disrespectful! 
Another thing, they should clear state to the customers they are NOT allowed to do International Transactions and that their money is going to be transferred to another Bank for the transaction to be complete. 
I 've got all the dates and time I 've called the Wire Department at XXXX XXXX - XXXX ( XXXX XXXX XXXX XXXX minutes on the phoneXXXX XXXX - XXXX USA - XXXX minutes on the phoneMarch XXXX - Director of Bank - XXXX minutes on the phoneMarch XXXX - XXXX - XXXX minutes on the phoneXXXX XXXX - XXXX ( that day finally the lady told me they 've started a trace and someone would give me a call ) XXXX XXXX - One of their employees finally called ( XXXX XXXX ) but until that day they did n't know what happened to my money. 
I just want Citizens Bank to be responsible for the deal I 've lost in my country - that money was supposed to buy a condo and, of course, I lost the deal! 
I want Citizens Bank to trace all my phone calls ( They 've been recorded ) and try to figure out WHY their employees did n't take an action on XXXX/XXXX/15 when I made the XXXX phone call to complain about a delay ... They should know better. 
I used to work for the XXXX XXXX XXXX XXXX and they call their customers because a {$1.00} coffee. What about Citizens? what do they do for their costumers? 
I would appreciate someone to please investigate this case and force Citizens Bank to improve the way they treat their costumers and solve situation. 

Sincerely, XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. lawsuit highlighting significant issues with e platform. Despite using XXXX numerous nes and reporting discrepancies, my lancial institution and XXXX failed to vestigate my claims adequately. They formed me that recovering lost funds was possible and that tracking these ansactions was unfeasible. The CFPB 's findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, has been reporting inaccurate information on my consumer reports. Date opened, high credit amount, last reported and comment sections between Equifax, XXXX and XXXX are all different and inaccurate. Please remove from my consumer report.
Product: Credit reporting or other personal consumer reports

I Contacted Transunion about multiple misleading accounts on my credit report. They still have not have not fixed these issues. Im down and out and missed multiple credit related products due to Transunion mistake.