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 effective measures to prevent an 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 the air 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: Checking or savings account

USAA froze my account until we paid them {$1700.00} leaving me only {$80.00} to feed my kids. Saying it was due to fraudulent claims, which I had no notice of what so ever. So to unfreeze my account they forced me to pay. So they took my money and I cant even provide for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking to purchase a vehicle on XX/XX/2023. I went to XXXX XXXX and they told that I had 30 to decide if I wanted to keep the car. After driving the vehicle for a couple of weeks my family and decided that this vehicle wasnt for us.I returned the vehicle in a little of two and was told that since I wasnt happy with the vehicle I could complete the proper paperwork and none of this would appear on my credit. Its XX/XX/2023 and I get a notification that XXXX account # XXXX has put this vehicle on my credit report.
Product: Debt collection

Capital One is reaching out to me regarding a credit card debt that I was not aware of. The amount was totaling to XXXX I'm hoping someone will help me with this and end this identity theft.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I attempted to charge {$2000.00} at a car dealership using my cash app card. Although the funds were in there, the transaction was declined. When I went onto the Cash App site there was a statement that they were having connectivity issues that were resulting in transactions being declined. As a result, I was unable to proceed with the transaction and left the dealership. However, later that night I went into my cash app site and saw that the {$2000.00} was taken out of my account. On the app it still has the transaction as declined, but the money is gone. I called cash app on XX/XX/2023 and they continue to say that the money was sent to the dealership I have spoken to the finance department from the dealership they continue to say that on their end it is showing the payment was declined and they have not received the {$2000.00}. Cash app is now saying they will put in a dispute. However, it will take up to 45 days and they still can not guarantee a refund. I need the money refunded ASAP.
Product: Debt collection

I have contacted them before and asked for the contract with Jefferson Capital showing I owe them this debt. None was provided therfore they removed the account off my credit until this month when they reported it AGAIN.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting the following incorrect address be deleted as it is not associated with me : XXXX XXXX XXXX XXXX XXXX, XXXX AZ XXXX. 

I am requesting to dispute the following unauthorized credit inquiries on my Experian credit report. These were done without my permission. 

XXXX Credit/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I am also disputing the reporting of my Chapter XXXX Bankruptcy XX/XX/XXXX as dismissed. The case was " closed without a discharge '' the court paperwork does not say anything about a " dismissal '' because that is not what happened.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX, I am writing to request that my personal information not be shared with third-party non-affiliated companies, as permitted by 15 USC 6802 and 16 CFR 313.7 As A Federal Protected Consumer to Exercise My Consumer Rights. 

As a consumer, I value my privacy and wish to exercise my right to opt-out of the sharing of my personal information for marketing purposes with companies that are not affiliated with your institution. 

Please consider this letter as my formal request to opt-out of any such sharing of my personal information with third-party non-affiliated companies immediately and indefinitely. 

I understand that you are required to comply with this opt-out request promptly upon receipt, and I expect confirmation of this action in writing. 

Please be advised that this opt-out request is not to be construed as a revocation of any consent previously provided under other applicable laws or regulations. 

If you have any questions or require further information, please do not hesitate to contact me at the email address provided or phone number Associated with CFPB. 

Both Credit reports have been uploaded showing inaccurate information. Also a Third party collection agency copy has been uploaded. My private and personal information have been violated by XXXX according to FCRA 15 USC 1681.
Product: Money transfer, virtual currency, or money service

1. According to XXXX  by XXXX XXXX XXXX, {$2700.00} was pulled from my XXXX  account ( Checking : XXXX ) on XX/XX/XXXX from a company ID XXXX. 

2. I found this company ID is Bank of America. 

3. I didn't authorize this ACH Pull or ACH Push.
Product: Credit card

I made my monthly payment on the due date, Sunday XX/XX/XXXX. I had worked all day on a job site, but made it back to my office by XXXX, and I tried to make the payment by XXXX, although I may have missed it by a few minutes at most. Regardless, the payment was made ON THE DUE DATE. Charging a {$27.00} late for a few minutes late is unconscionable, especially for a long-time customer like myself.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle 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

for the past year I have requested A Debt Validation Letter of explanation for both companies on my report to no avail, most importantly they replied that they did not have all information, and my information concerning me. I have attached a copy of my ID for your record. also, they put information as a charge off or written off which states that it's a IRS report as getting credit for their company. Facts its been reported to the IRS by them for a tax write off.
Product: Credit reporting or other personal consumer reports

I was genuinely shocked when I checked my credit report and saw accounts that dont belong to me. Im not sure how this occurred. I review my report often, and theres never been an issue before. I even refreshed the page thinking it was a simple glitch, but the inaccurate accounts didnt disappear. Because of this, Im requesting that all the documents Ive provided are scrutinized to ensure I never have to go through this again.
Product: Mortgage

I recently closed on an Ally XXXX XXXX Mortgage for a Refinance. During that time, I had suffered damage from the XX/XX/2021 XXXX Storm in Texas. 

I received a check from my insurance company, XXXX, in the amount of {$34000.00}, Check # XXXX for XXXX XXXX : XXXX. Due to Ally having no branches, I was unable to obtain endorsement. 

On XX/XX/2021, XXXX XXXX XXXX Ally Closing Expert ) suggested that I could deposit the insurance check via mobile deposit meanwhile, I wait for the Authorization Form to be sent to XXXX However, he requested that I wait until the Authorization Form was completed and sent out. 

On XX/XX/2021, I chatted with XXXX XXXX Ally Customer Service Representative ) and she stated I can deposit the check with no issue. 

On XX/XX/2021 at approximately XXXX XXXX, I spoke with XXXX XXXX XXXX Ally Closing Expert ), who stated that the Authorization Form was awaiting the signature of XXXX XXXX XXXX Ally Post Closing Manager ) and that I can now deposit the insurance check. 

Shortly thereafter, I deposited the insurance check via mobile deposit. 

On XX/XX/2021, at approximately XXXX XXXX, I received an email, stating that Ally could not complete the deposit, Deposit Reference # XXXX. It cited the following reason : " We weren't able to complete this Ally eCheck Deposit because we require that you mail in travelers checks, money orders, and postal money orders. '' It then provided an address to mail a check. 

The insurance check is not a travelers check, money order, or postal money order.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts Commonwealth of Va- closed account ( XXXX ) XXXX XXXX- closed account ( XXXX ) XXXX XXXX XXXX- ( XXXX ) XXXX XXXX XXXX- ( XXXX ) XXXX XXXX- 4 inquiries 15 USC 1681 section 602 A , states I have a right to privacy 15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the full cancellation of my XXXX XXXX XXXX due to a violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ) and the unauthorized disclosure of my personal and financial information. 

The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. 

As a result of this violation, my personal and financial data were compromised, putting me at risk of fraud and identity theft. Given that my information was mishandled in a way that directly impacts my student loans, I believe I am entitled to relief under federal law. I am requesting full cancellation of my student loan balance as a resolution to this matter. 

Please consider this letter as my formal request for loan discharge under any applicable provisions, including XXXX XXXX to XXXX or other XXXX XXXX  programs.If additional information is required, please contact me at your earliest convenience. 

I appreciate your prompt attention to this urgent matter. I look forward to your response.
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN XXXX BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit reporting, credit repair services, or other personal consumer reports

The information far as my name and address is reporting on my credit report wrong. My name is XXXX XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX del XXXX this is the correct spelling of my name and the correct address
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, Transunion, and XXXX on XX/XX/2022 Its been well over 30 days, I still havent received anything back. 
According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, Transunion, and XXXX have 30 days to respond to my dispute. 
This a violation of my rights because my collections are increasing.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX/DEPT OF ED : # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX # XXXX has violated my rights. 
Remove as soon as possible!

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

i got a loan of XXXX deposited into my bank account without knowing what the payments or interest would be, the company on my deposit is silver cloud financial. i looked them up and they are not a loan company, they are a XXXX  scam company.
Product: Credit reporting or other personal consumer reports

There are UNAUTHORIZED and FRAUDULENT inquiries on 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 ). I am not the one who initiated these inquiries. I am submitting a complaint regarding these inquiries and for assistance to REMOVE them from my credit report immediately.
Product: Money transfer, virtual currency, or money service

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 proces : 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX Account XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account number ending in XXXX XXXX XXXX  Account # XXXX HAS VIOLATED MY RIGHTS.. 

15 U.S.C 1681 section 602 A States : I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

I am writing this complaint in hopes someone can help me. Green tree bought my loan off of XXXX which is now Ditech. I was late by XXXX days they started XXXX my phone day and night ... constantly..I asked if i could do a modification because I was going threw a tough time they said oh sure, no problem..i got everything gathered up that I needed and faxed it, they said they never got it, next day same deal i fax and they started to ignore me, stating they never recieved it, this went on for XXXX weeks. as i was keeping the fax confirmation stating it went through, They ended up denying me for a modification, harassing me to get out and would ask me if i wanted to keep the property. I asked them what my options were since the modification did n't work out they said i could do a deed in lue ... asked them exactly what that was..they said a short sale. I needed to remove everything from the house, not even a coat hanger left in the closet and i would be approved for this for sure. So I did, moved everything out that weekend ... Called them monday to let them know and the phone calls stopped and could not get ahold of them. Kept trying and trying and nothing. Finally got ahold of someon who would talk to me, said i was denied a deed in lue! after i did what they said moved everything out ... they denied my modification and now this. I went back to the house only to find a lock on the doors and can not get in. They got what they wanted me out with denying me modifications or this deed in lue. Its been over a year and they keep sending me statement of how much i owe them and they have since put insurance on the property saying i owe that!!!! 
I delt with harassing phone calls day and night from these people ... .for months, did modifications that i was denied only after i faxed them XXXX times and told to move out and do a deed in lue, did that,,, ,denied ... .then they lock the doors and send me more papers to do a modifcation..someone plz help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified Experian about the unauthorized inquires on my credit report & they have not been removed. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX Card, XX/XX/XXXX XXXX Card, XX/XX/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 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 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

Experian reported these inquires are not on my report, when in fact THEY ARE & THEY SHOULD BE REMOVED IMMEDIATELY.
Product: Student loan

Student loan through  Navient was originated ( under   XXXX   XXXX   ) on   XXXX / XXXX / XXXX  in the aggregate amount of {$43000.00} with a fixed 6.5 % interest rate. I had financial issues early on and went through periods of forbearance, etc. which I understand would capitalize interest and increase the balance of the loan.     In roughly late  XXXX  I was past due, and contact ed (   XXXX   XXXX   )  the provider at the time. Spoke with a Rep, brought my account to date and was placed on a graduated payment plan which I was pleased with.     I have been paying {$300.00} per mon th (  {$290.00} due ) on time each month since that time. I have recently discovered that my balance is now over {$54000.00}. When I researched my account online I found that no monies were applied to my principal, all to interest, and late fees have been charged each month even though payments were not late. The last time I had payment applied to my principal was  XXXX / XXXX / XXXX .     I contacted Navient today and was told that my monthly interest is {$280.00} based on my principal, which has been increasing based on the lack of payment going toward it. The gentleman could not explain the late fees or why my entire $   XXXX    monthly payments were all going to interest rather than the {$280.00} only.     I have attached my entire account history and proof of monthly payment and due date as supporting documentation. I was never informed that my " payment plan '' would only cover interest. Today I was told that I would need to pay {$470.00} monthly to cover payment on the principal as well.     I would appreciate investigation into this matter. Thank you for your assistance.
Product: Consumer Loan

If you are thinking about financing a vehicle. Run when you hear this name. SANTANDER! They are PREDATORY LENDERS! Look what they have done to my credit. They falsified XXXX out of XXXX over 30 day lates on my report to insure I could not get any other financing from any other lenders once I paid them off and hurt my chances of buying a home in the future. They want to insure they will be the only lender to once again lend me money so they can rip me off once again for the next 60 months! I am uploading XXXX of my XXXX XXXX credit reports on Santander Consumer USA. The first is my credit report 16 months ago. Notice only XXXX lates over 30 days. Now look at my credit report ( second photo ) showing all the 30 days lates now that never truly occured. I even have bank Statements showing they ACH debited my account on these XXXX falsified times way before any over 30 day lates could occur. These sharks know what their doing and I 'm sure i 'm not the only one they are doing this too!
Product: Credit reporting

I disputed an account XXXX XXXX ) with Transunion and asked them to delete the account due to improper reporting. I also requested documentation showing details about the XXXX account. Transunion simply responded stating that the debt was valid and never send me any of the documentation I requested. I believe I received an auto-generated response, and no one actually reviewed the explicit instructions I gave in my dispute. 

I would like Transunion to delete the XXXX tradeline from my credit report for their failure to perform a full investigation, followed up with documentation, as per my request. Thank you for your time in investigating this matter.
Product: Credit reporting or other personal consumer reports

I asked for my name to be corrected on my credit report. Although the company changed my name, the change is incorrect because it omits the hyphen and makes it appear as a different name. It should be exactly as it appears on my Driver 's License ( my legal name ), which I sent to them. It is not. I also asked for my address to be corrected. The correction made the error worse. Because these items are incorrect, I have not been able to open an account with on-line banks which offer highest savings interest rates. The banks have told me they can not verify my identity, which they do by checking one or more of the three main credit reporting services.
Product: Mortgage

I received, yet again, a letter XXXX/XXXX/XXXX from Specialized Loan Servicing requesting proof of insurance ( which they already had on file ). I went to the expense to fax and send certified mail on XXXX/XXXX/XXXX the discharge of my first mortgage - since they already had both proofs of insurance. I received another letter from SLS on XXXX/XXXX/XXXX requesting proof of insurance ( which they already had on file ). I, again, went to the expense of faxing and sending certified mail on XXXX/XXXX/XXXX. I then received a letter from SLS stating that they purchased insurance on my behalf and were charging my account {$950.00} and another {$140.00} for insurance that they had no right to purchase in the first place as they already had copies of both insurance policies on file since XXXX XXXX. I have been harassed by this company every year for proof of insurance which they 've had on file. XXXX and XXXX always send copies of dec pages to mortgage holders. Every year they try to purchase insurance on my behalf and charge me an outrageous amount. In New Jersey, it is illegal to force a consumer to purchase more insurance than necessary.