23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

Dear CFPB, I am writing to formally lodge a complaint against Cash App for what I believe are discriminatory and unethical practices regarding the unjustified closure of my account. For the past year and a half, my account has been closed under the claim of " violation of terms, '' yet despite repeated requests, Cash App has failed to provide any evidence or clear description of the alleged violations.

Background Cash App representatives have continuously reiterated that my account closure is " finalized '' without offering any concrete explanation, documentation, or evidence to substantiate their claims. Their lack of transparency and unwillingness to engage in meaningful communication about this matter is both frustrating and concerning. 

This behavior appears to stem from a discriminatory act potentially carried out by an emotionally biased or upset individual within their organization who has targeted me unfairly. As a publicly accessible financial service platform, Cash App has a responsibility to treat all users fairly and equitably. Arbitrary account closures without due process or evidence not only violate consumer rights but also undermine trust in their services. 

My Request I am requesting your office to : 1. **Investigate Cash Apps practices** to determine whether their actions align with federal and state consumer protection laws, including non-discrimination statutes.

2. **Sanction Cash App** if found to be engaging in unethical or discriminatory behavior.

3. **Require Cash App to contact me** and provide a full explanation of the alleged violation, along with the evidence used to justify their decision.

4. **Mandate reinstatement of my account** if no valid evidence exists to support their claims.

Legal Action Should Cash App continue to ignore these concerns, I request that your office file a legal or class-action suit on behalf of affected consumers like me. I am willing to represent myself as a complainant and seek damages for the distress, inconvenience, and discriminatory treatment I have endured.

It is imperative that companies such as Cash App be held accountable for their actions, particularly when they engage in unjust practices against individuals without providing due process or valid evidence. I trust that your office will take swift and appropriate action to address this matter. 

Thank you for your attention to this issue. Please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ] if further details are required. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX account stopped updating with my equifax credit score on XXXX XXXX. I reached out to XXXX XXXX on XX/XX/2021, & was told by a representative Equifax was not transmitting the data to XXXX XXXX and this was an issue on Equifaxs side so i needed to contact them. I tried contacting equifax but was unable to get through to a live representative due to their ridiculous automated system so I decided to leave it alone, figured it wasnt causing that big of problem since i Could still view my score on Equifax website. However it is now the end of XX/XX/2021 and i tried to request a credit limit increase on my XXXX XXXX card which was supposed to have automatic increase but wasn't for some reason and its was declined stating credit bureau information is missing or unavailable. I spoke to XXXX XXXX representative on XXXX XXXX who informed me the problem was on Equifax side and thats who I needed to contact. I contacted Equifax the same day and after multiple attempts I finally got through to a representative. The rep informed me there was no freeze or lock on my account which i already knew because i never placed one. He then said there did seem to be a fraud alert and he would transfer me to another department to have it removed. The next rep said the fraud alert would not prevent any creditor from pulling my credit report but he had removed the alert. I told him if that was not the issue then i needed the root cause to be found because i need my bank to be able to pull my credit report and this issue was affecting my credit limits and in turn going to affect my credit score. He verified my personal information was correct and stated there was nothing else he could do all I could do was wait. I requested to speak to someone in the IT department hoping they would be able to find some type of issue and solve it and he refused to let me speak to them stating they dont take incoming calls. I then requested for him to escalate my account to the IT department then and let them know what was going on so the issue could be fixed and he refused stating Equifax could do nothing else. I asked to speak to a supervisor and after him also refusing to help me any further i asked for his employee ID information to submit a complaint and he hung up in my face. Being that 2 different credit companies are tell me that they are unable to retrieve my Equifax data then there must be a problem on Equifax side that they are refusing to look into or solve. I can not raise my credit score without creditors being able to access my credit report and need this resolved asap. After a quick XXXX search i found multiple articles of people with the same problem with Equifax so I dont know why Equifax is acting like it is unheard of. It is currently XX/XX/XXXX, and i am still having the same issues with XXXX XXXX and XXXX XXXX being able to access my information.
Product: Credit card or prepaid card

I have a credit card through elan financial. 4 payments have been made on my account by another party totaling XXXX ( approx. 1. 1400, 2. 2900, 3. 9800, 2. XXXX ). This occurred over the period of a month. I called after the first one and the removed it add applied in error, but then another appeared, I again called and this time changed my account number. Then two more payments appeared, they said the account number change did n't matter since they forward it for a year ( which I should have been told in advance ). Now I ca n't make my normal payment because it does I 've over paid ( my balance was less then 200 ). One they find where these payments belong and I can finally pay I 'm going to be charged for finance charges because of there mistake ... Also the amount of the payments seems like money laundering but they have ignored my repeated calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never gave EQUIFAX my consent nor written instructions to furnish these accounts and inquiries onto my consumer report. Thats a violation of 15 U.S. Code 1681b permissible purposes of consumer reports ( 2 ) in accordance with the written instruction of the consumer to whom it relates. Since the accounts and inquiries are deleted, a deletion is admission. EQUIFAX willfully failed to comply with the requirements imposed under 15 U.S. Code 1681n ( b ) civil liability for willful noncompliance. My consumer report was damaged and I am seeking monetary relief. The evidence as well as my invoice is attached. I expect to hear from EQUIFAX or EQUIFAX 's lawyer soon to get this matter resolved.
Product: Credit reporting or other personal consumer reports

I moved to Texas in XXXX as I got married. I tried to get a bank account in my area with my new husband. I was denied through XXXX. When I got their report, I found out that Credit Karma has been putting in inquiries on me for probably a year. I have tried and tried and tried to contact Credit Karma via their webisite and help site and looking at off sites to try and get a phone number to reach them to find out why I have that many inquiries to attempt to dispute them and I absolute CAN NOT, to save my life, reach this company. How can I fix my credit with XXXX if I don't even know why I'm getting inquiries from them on my XXXX report? The latest inquiry shows XX/XX/XXXX and the earliest is XX/XX/XXXX. So they have been putting in inquiries on me from XX/XX/XXXX to XX/XX/XXXX monthly. And I have not given them authorization to do so. Please help me. I just want to find out why and fix it so I can get off the XXXX reports. I have a XXXX XXXX XXXX with all the other major reporting agencies. No credit card debt or private loans and I'm currently getting ready to start paying on my XXXX loans which is the only debt I have left to pay off. Please, please, please help me. I'm working diligently to be a productive and responsible person. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

identity theft these accounts do not belong to me XXXX XXXX opened XX/XX/XXXX {$19000.00} XXXX cards opened XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX {$430.00} XXXX XXXX XXXX opened XX/XX/XXXX {$1200.00} XXXX XXXX  opened XX/XX/XXXX {$11000.00}
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX  - XXXX XXXX  - XXXX XXXX  - XXXX
Product: Checking or savings account

My credit karma money card was used for XXXX unauthorized transactions and my dispute was denied and they told me there was no issue or unauthorized activity and I need the money that was stolen
Product: Credit reporting or other personal consumer reports

I DO NOT AUTHORIZE, BENEFIT, NOR CONSENT FROM THE INQUIRIES BEING REPORTED ON MY CONSUMER REPORT ( XXXX ). I DEMAND THAT THESE INQUIRIES BE DELETED IMMEDIATELY!! PLEASE VIEW THE ATTACHMENTS ALONG WITH THIS COMPLAINT. 

REPORTING INQUIRIES ESPECIALLY WITHOUT MY CONSENT IS A VIOLATION OF THE FCRA. CONGRESS DEFINES WHAT IS TO BE EXCLUDED FROM A CONSUMER REPORT ( INQUIRIES ARE EXCLUDED FROM CONSUMER REPORTS ), AS WELL AS DETAILS PERMISSIBLE PURPOSE TO FURNISH A CONSUMER REPORT ( WHICH YOU HAVE NO PERMISSIBLE PURPOSE ). 

I DEMAND A PROMPT RESPONSE WITHIN 10 DAYS UPON RECEIPT OF THIS NOTICE! THANKS
Product: Vehicle loan or lease

I surrendered my vehicle on XX/XX/2018. I thought once I surrendered my vehicle I wouldn't owe on the balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Reporting Agency is allowing accounts that are not mine to exist on my credit report when I have contacted the creditors and they can not verify any information about me to prove that the accounts that are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft.I have an account on my credit report that is reporting incorrect fraudulent information that is withholding me from seeking new lines of credit. I have disputed this alleged account with XXXX, XXXX, and Equifax on XX/XX/2021. The account is from XXXX XXXX  and it is not mine as I have been a victim of identity theft. According to Federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) that all fraudulent information and accounts must be removed from the credit report pending proper documentation. I have attached the proper documentation in which I had also sent to the credit bureau 's documenting my identity theft. I have sent my FTC identity theft report, my police report, my drivers license, my social security card, a letter detailing my identity theft and more. All of the proper documentation is provided that is needed to prove my identity theft and that this account is not mine. Below I have attached the certified mail receipts documenting my communication with the credit bureau 's. I have attempted to remove this account directly with the bureau 's and they have chosen to let the account remain on my account
Product: Debt collection

I have continually called and disputed this item with the credit bureau. 
Collection Company will not provide me with they date, time, or type of service or activity I 'm in collections for.
Product: Vehicle loan or lease

I purchased a new Hyundai XXXX XXXX on XX/XX/XXXX from XXXX Hyundai in XXXX XXXX ( Dealership is now closed ). The vehicle is financed through Hyundai Motor Finance, a service brand of Hyundai Capital America. The monthly payments were {$460.00} since XX/XX/XXXX ( see attached payment history per Hyundai Motor Finance and XX/XX/XXXX billing statement ). During the COVID-19 Pandemic period, the monthly payment has increased to {$510.00} since XX/XX/XXXX. Hyundai Motor Finance changed the terms of the loan contract/agreement. This is in violation of the Truth in Lending Act ( TILA ), the Consumer Credit Protection Act, TILA, implemented by Regulation Z ( 12 CFR 226, the Fair Credit Billing Act, the Consumer Leasing Act and, the Truth in Lending Simplification and Reform Act of 1980. 

It appears that there may be predatory, unfair, or deceptive practices occurring during the Pandemic. 

Ive contacted Hyundai Motor Finance by telephone ( XXXX ) XXXX ) six separate occurrences from XX/XX/XXXX to XX/XX/XXXX to request an adjustment and nothing has been done. Each representative has said the increased payment amount is an error. 

I completed the increased monthly payment on XX/XX/XXXX for {$510.00}. 
1. XX/XX/XXXX XXXX with Representative XXXX He said my payment should be {$480.00} and sent an email to request the adjustment. The billing statement would be corrected in 5-10 business days. 

2. XX/XX/XXXX On hold for more than 30 minutes. Spoke with XXXX, Customer representative. He said XX/XX/XXXX email went to wrong department. XXXX sent another email and said monthly payment correction would be made from {$510.00} to {$480.00} 3. XX/XX/XXXX XXXX in Customer Service sent escalated email to correct payment to original contract amount of {$480.00}. No change was made. 
I completed monthly payment on XX/XX/XXXX for {$510.00}. 

4. XX/XX/XXXX XXXX, Customer Service reviewed account, saw various attempts to request change through emails. I requested to speak with a supervisor. Spoke with XXXX. She sent escalated email to correct increased payment to original contract {$480.00}. Requested that my loan be rebooked. Said the change would occur within 5 days. No change was made. 

5. XX/XX/XXXX, I sent an email on the website ( XXXX ) to dispute {$510.00} monthly fee. Never received a follow up message at all. 

I completed monthly payment on XX/XX/XXXX for {$510.00}. 

6. XX/XX/XXXX, I spoke with XXXX, representative. She stated that the payment would be adjusted to {$480.00} and she and her supervisor Ms . XXXX XXXX would be sending an email to the payment processing department. 

It is now XX/XX/XXXX and no change has been made. Ive sent an email through the website today. 

I just made the XXXX payment of {$510.00} on XX/XX/XXXX. 

Im on social security XXXX and receive a fixed income. I was hit by a car while walking across XXXX XXXX in XXXX. I was in assisted living from XXXX to XX/XX/XXXX and now we have COVID-19 Pandemic. This is an extreme hardship. Ive attempted to rectify this issue with the customer service representatives to no avail.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information. Please delete the following accounts. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NA XXXXXXXX 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

The TransUnion, XXXX and XXXX Credit Bureau is reporting inaccurate information on XXXX XXXX XXXX. XXXX FCRA, reporting must be 100 % accurate or the information must be CORRECTED. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or FIX this from my personal file.
Product: Mortgage

I initially filed a complaint on XX/XX/2022 which has been closed by your agency in spite of the fact that the issue has not been resolved. I am having difficulty obtaining my {$7000.00} in escrow overpayment from Community Loan Servicing. They are aware that the refund was not received by me. The USPS returned the original check to the company marked as undeliverable. My address is current. I don't know why the USPS returned the check and I am not responsible for their error. However, at this juncture Community Loan Servicing knows that I do not have my refund and are willfully withholding my funds. This is illegal and highly unethical. Instead of reiterating all of the events that I have taken place I will attach the report from the previous complaint in which XXXX  admits to knowing that I do not have my refund. They have not made any effort to return my funds to me despite making repeated promises to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to relative these issues with the credit reporting companies. Accounts showing closed on one date, but saying last payment in different date. Now they trying to update something from a previous complaint. FTC states wrongly use of my information is against the law. For example, a XXXX account thats states on the login account that I have until have until XXXX/XXXX/XXXX  to make payments, but I have late payments on credit report. Other accounts that was/have been reported incorrectly over the years. These accounts have been reported with wrong closed dates, payment statements, balances, and as well as last payment made. I have submit documents to XXXX XXXX on student loan through XXXX thats paid in full through ligation.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, Kc. ) 019 to equaTo 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 0:36as unfair and Veceptive, as they did hot 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 this violations
Product: Credit reporting or other personal consumer reports

EXPERIAN continues report fraudulent XXXX account XXXX on a credit report and violating FCRA. Delete immediately. 
I revoke any implied, written, oral or otherwise permissions for EXPERIAN to report any fraudulent XXXX accounts from my credit report. I'M OPTING OUT OF YOUR CREDIT REPORT SERVICES AS OF NOW.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, someone allegedly opened up an XXXX XXXX XXXX account in my name. The initial use of the card was {$54.00} at first, below is the current for the transaction information on my credit report. I contacted the XXXX XXXX and they stated, as I know to be true, my account with them was paid off and closed by them in XXXX. It is pure nonsense for them to close my account and then allow me to reopen another one less than 6 months later. I spoke with a representative on the phone and she stated that I must go through the Credit Bureau reporting company individually. My Credit score because of the allowed fraudulence has now dropped by over 20+ points since first reported. I ask your Company take the appropriate steps to close the fraudulent account and repair the damage done to my credit score. Thank you for your assistance in this manner. 

Respectfully, XXXX XXXX XXXX US XXXX, Veteran Overview XXXX XXXX XXXX Reported XX/XX/XXXX Balance : {$1500.00} / {$11000.00} You're currently using 14 %  of your account 's limit. 

Balance {$1500.00} Credit limit {$11000.00} Minimum monthly payment {$39.00} Opened XX/XX/XXXX ( 3 mos ) Payment History Youve made 100 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Last payment XX/XX/XXXXCurrent Payment Status Current Amount past due {$0.00} Worst Payment Status Current Account Details Account status Open Type Flexible Spending Credit Card Responsibility Individual Remarks -- Times 30/60/90 days late 0/0/0Reported XX/XX/XXXX
Product: Credit card or prepaid card

XX/XX/XXXX Wells Fargo called to say there was a suspicious charge on a business account. The charge was not mine. They replaced the card. 
XX/XX/XXXX I received an email stating suspicious transaction on my account. I called the number in the email and was phished for info that resulted in an online wire transfer for XXXX, a combination of XXXX from WF credit card and XXXX from a checking account. 

Wells Fargo denied the fraud claim no reasons given. While on the phone reporting the fraud the representative explained to me how this happened and requested the email I received. I sent the email to the address she gave me. At the time it seemed like WF knew this was fraud and were there to help but the letter sent denied the claim and said there was no fraud found. I have several first names from WF fraud dept but no last names as they will not give them. Ironically I have the first and last name of the person who I thought was WF but was actually the person committing the fraud. 

I am out XXXX and I do not have the money to pay it back and XXXX was mime for my mortgage payment. 

I have claim numbers and account numbers. The Credit Card has been terminated and a new card has been issued and the XXXX has been transferred to the new card by Wells Fargo.
Product: Credit reporting or other personal consumer reports

I am writing to provide an update on my ongoing efforts to remove fraudulent items from my credit report. Despite multiple attempts, these inaccuracies persist, and I am seeking further assistance to address this matter. I have diligently pursued the removal of fraudulent items from my credit report. I have submitted disputes, provided extensive documentation, and engaged with creditors and credit reporting agencies to rectify this issue. However, to my dismay, the fraudulent items remain on my credit report, negatively impacting my creditworthiness and financial standing. These persistent inaccuracies have caused significant XXXX and hardship. It is crucial that these issues are promptly addressed to ensure the fair and accurate reporting of my credit history. 

Furthermore, I request transparent communication throughout the resolution process and regular updates on the progress of the investigation. Restoring confidence in the accuracy and reliability of information reported on credit reports is essential. With this, I am asking for your assistance to remove the fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Balance Owed : {$2600.00}.