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

Complaint Against Cash App Unauthorized Transaction and Lack of Investigation Date of Incident : XX/XX/year> Amount Stolen : {$1500.00} Name Associated with the Unauthorized Transaction : XXXX XXXX  Description of What Happened : On XX/XX/year>, an unauthorized transaction of {$1500.00} was made from my Cash App account. My Cash App information was stolen, and I had no knowledge of or involvement in this transaction. The transaction was linked to an individual named XXXX XXXX. 



As soon as I noticed the fraudulent transaction, I took immediate action : I contacted Cash Apps customer support to report the unauthorized transaction. 

I requested that they investigate and assist in recovering my stolen funds. 

I provided any necessary details to support my claim. 



Despite my efforts, Cash App did not conduct a thorough investigation. They failed to provide any meaningful assistance in recovering my funds, nor did they offer any clear resolution. I was left without any recourse, despite my account being compromised and my money being stolen. 



I am now filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) because Cash App failed to fulfill its duty to investigate unauthorized transactions and provide adequate customer support. I seek a full refund of the stolen {$1500.00} and an explanation of why proper procedures were not followed in my case.
Product: Debt collection

The problem started when I called XXXX XXXX to close the account after I paid them in full. The call dropped while I was talking to the customer service rep. The Rep didnt follow through and close the account as Requested. When they started calling me about the past due, I sent them proof of payment, however they said a charge of {$10.00} came through after the payment. I told them the account was to supposed to be closed, why do wasn't the charge not declined. They said the account wasnt closed, I wasnt going to argue, I offered to pay the {$10.00} to close the account and be done with it. However, XXXX chose to be greedy and wanted the interest and late charges and I said no. So they wrote it off and sold it to this collection agency. The collection agency has nothing in writing or verbal that I owe them anything. Thank you for you time.
Product: Debt collection

The basis for my dispute Sentry Credit , Inc., SENTRY CREDIT INC, XXXX, {$3700.00} - was required to notify me prior to XX/XX/XXXX, or no later than 30 days after. 

SENTRY CREDIT INCfailed to notify me about reporting derogatory info. to XXXX, XXXX, and XXXX In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after XX/XX/XXXX, furnishing the negative derogatory information to a consumer reporting agency described in section XXXX03 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ). Plus broke commercial law under UCC 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response. 


Also, SENTRY CREDIT INC '' failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of TX allows treble damages.

Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) Sentry Credit , Inc. failed to send me my initial communication before placing this alleged derogatory status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well.

I attached a copy of the law and the actual document from the federal reserve SENTRY CREDIT INCis held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under FDCPA. XXXX v. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) citing XXXX v. XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX. )
Product: Debt collection

Harris & Harris keeps calling me from XXXX. At first, they were calling my cell phone. Now theyre calling my office. Theyre trying to collect debt from a lady that ive never heard of. I have no idea how they got my number and why theyre calling me. I told them countless times that ive never heard of the person theyre looking for!
Product: Credit reporting or other personal consumer reports

My account with those creditors was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX XXXX before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX XXXX before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Debt collection

Good afternoon, I submitted a letter via the mail to the credit bureaus in regard to a medical debt in the amount of XXXX, Account number XXXX. The debt was paid directly to the creditor, however, Southern Financial XXXX is refusing to remove this debt. This is harming my credit ; I have my receipts and the letter from Southern Financial XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

For my XXXX report I apparently have a balance of {$2500.00} as of XXXX but for XXXX & XXXX I have no balance. I also had an amount due for XX/XX/XXXX, but the credit limit shows I had {$2000.00}. This information is makes no sense and it needs to be handled. Also if my date of last payment was XX/XX/XXXX how can I have a delinquency the same date. The payment history shows different information as well. 

For my XXXX report it shows I have no balance for XXXX & XXXX. On XXXX, XXXX, & XXXX it shows I have a balance. 

Experian doesn't allow me to download a report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to notify you about some inaccurate items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again. The following items are inaccurate and needs to be removed : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX Balance : {$530.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$20000.00} ; XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Unpaid Balance {$1500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX, XXXX, TX, XXXX ; XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$530.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$20000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Unpaid Balance {$1500.00} ; XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report.To this day over 31 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) is is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 31 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the wrong hands of the wrong person.
Product: Debt collection

I am writing you due to an item on my credit file. You are reporting inaccurate and/or incomplete, unproven, NON-COMPLIANT ACCOUNT INFORMATION. I have already submitted a dispute with XXXX that was approved and to be deleted from my credit report. Also the following information across all XXXX Bureaus does not match and is incorrect. The dates the accounts were opened are incorrect. The last verified dates on the accounts are incorrect. The account status is incorrect. Immediately Delete this Unverified Account. If not, please provide physical proof of verification, along with the requested items within the full context of this correspondence. 
Dispute Reason : The accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, OR INCOMPLETE. 
I'm certain you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). I am requesting validation of this debt through that XXXX. I am requesting that I am indeed the person you are asking to pay this debt and there is some contractual obligation which is binding me to pay this debt. I hereby demand that you produce for my inspection, an original contract that establishes the existence of a debt to which I am obligated to you or your principal.
Product: Debt collection

XXXX XXXX XXXX XXXX claim this debt is valid but fail to respond to me directly with proof of validation which I requested 4 times, fail to comply to FCRA law of proof of originals copies to proof valid of debt, I will post my request and their response. there response doesn't have copies of the original contract XXXX XXXX XXXX XXXX reporting this account to my collection, so they have to validate this account or remove it. 

that's not the only violations on the collection account, Equifax reporting this account type is collection. 
XXXX  reporting this account is open.
Product: Mortgage

My name is XXXX XXXX and my husband 's name is XXXX XXXX. Together we are filing a complaint against XXXX loans for refusing to file a water waiver on our behalf for hauled water. It is very common in our area and we have been told by FHA and Hud that this is possible if the lender requests it. Hud advised me to file a complaint against the lender since they refuse to file a water waiver. Our other complaint is that our loan was closed and funded in early XX/XX/2021. The lender hired the appraiser, in which he appraised our property with a well on it. My husband and I had no knowledge of themistake until 5 months later when XXXX XXXX brought it to our attention. The property does not have a well on it. 

We had told our builder XXXX XXXX that we would not be getting a well and we would go with hauled water. We made this clear on several occasions. My husband signed multiple documents to that effect, however it appears that one such document was either manipulated or presented in a way that we wouldn't have known or thought to check the exact verbiage of the document. 

We had put our full trust in the XXXX XXXX and XXXX to do and provide honest service, as this is their area of expertise not ours. We are first time home buyers. We stronglyfeel that XXXX XXXX and XXXX Loans have misrepresented their intentions and integrity. We feel both XXXX XXXX and XXXX Loans are at fault and need to be held responsible for their negligence in this matter. Furthermore, leading us to believe that we could trust that we were all on the same page in all matters regarding the construction and building of our dream home, More specifically the hauled water situation. I have filed a complaint against XXXX home with the Department of Housing. 

XXXX XXXX is now threatening to declare us in default and foreclose on our property. 
I am attaching some supporting documents to this complaint. Please let me know if you need anything more to help with the investigation. 


Property address is XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Reference numberXXXX. 


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

serious delinquency and bankruptcy information still on my credit report after getting dismissed chapter XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in XXXX DAYS to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two settlements from XXXX XXXX XXXX since XXXX and XXXX that are still showing on my Equifax credit report. They reported this in XXXX ( 7-8 years later ). 

I would like to have these removed. I applied for a loan with my bank and they denied me. 

XXXX XXXX XXXX amount paid {$650.00} ( account was closed in XXXX ) XXXX XXXX XXXX XXXX paid {$1300.00} ( account was closed in XXXX ) the scheduled payments were {$110.00} and {$170.00}
Product: Credit reporting or other personal consumer reports

I called this company to obtain the proof of debt that I owe this and also our legal contract. The company did not respond to My request.
Product: Debt collection

I was contacted by mail from Key 2 Recovery Collection Agency in XX/XX/2019. The initial letter stated it was an attempt to collect a debt on behalf of Indiana XXXX University. I replied to this letter via postal services, asking for debt validation Information and proof of authorization to collect in the state of Indiana, because their office is in the state of Ohio. 

In XX/XX/2019, They replied to my request with a letter of charges and fees, but none of the information that I requested. They also failed to prove their authorization to collect debts in the state of Indiana. After receiving this letter, I sent a cease and desist letter to them via certified mail with a signature receipt upon acceptance. I HAVE THE SIGNATURE RECEIPT AND A COPY OF THE CEASE AND DESIST LETTER I SENT TO THEM AND PROOF OF ACCEPTANCE. 

In XX/XX/2019, Key 2 Recovery, falsely reported a collection account to my XXXX  consumer credit report. The information on the collection account states that their initial reporting to XXXX  started in XXXX of 2019, but the open date of the collection account is XX/XX/2019. 

Since then Key 2 Recovery, continues to falsely update this account information and completely ignore the cease and desist letter that I sent to them. The last time they updated the account was XX/XX/2019. 

This is a complete violation of my consumer rights. This company has shown that they are willing to violate consumer laws and collection laws and guidelines. I would like to take them to court and have these collection company closed for ignoring business laws, consumer protection laws, antitrust laws, and collection laws and guidelines.
Product: Mortgage

I refinanced my home and the mortgage was paid off on XX/XX/2023 and they withdrew another monthly payment from my account on XX/XX/2023 and by law they have 20 business days for me to receive a refund and it's going on 2 months and I just keep getting the run around from the mortgage company and they keep saying give it another day or until the end of the week and I have still not received it and they say they can start the process all over again but I should not have to wait another 2 months for money they should have never took from my account in the first place. I recommend that people don't do automatic drafts if banks can take your money and have no consequences on not refunding it by what the law states I just want my money back I have bills to pay but they should have to pay interest on it for every day past the day I suppose to receive it.
Product: Mortgage

My mortgage was sold by XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) to Nationstar Mortgage XXXX d/b/a Mr. Cooper in the middle of XX/XX/2021. I received a notification latter about this dated XX/XX/2021. The sale happened when I was selling the house, and the house was already in escrow. My escrow agent and myself had submitted multiple requests to Nationstar Mortgage XXXX d/b/a Mr. Cooper to provide the payoff statement and routing information to close the sale, but still did not receive the requested info. The requests had been submitted in XXXX and in XXXX. Despite all the efforts and an obligation to provide the payoff statement within 7 days from the request, Nationstar Mortgage XXXX d/b/a Mr. Cooper continues to claim that information is not available. It is obvious that the actions of Nationstar Mortgage XXXX d/b/a Mr. Cooper can be qualified as a refusal to accept payment. As a result of this delay, I am loosing money paying for the house for which the buyer already deposited money in escrow.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has an incorrect mark on my XXXX credit card from XXXX XXXX saying I paid 30+ days late which is NOT TRUE. I have never paid late for my XXXX and have documentation from XXXX proving that I have never paid late. Equifax has horrible customer service and will not remove the error on my Equifax report and is running me around in circles for almost 1 year. XXXX and XXXX are correct and show that i have never paid late also. Equifax is awful.
Product: Checking or savings account

I was charged by XXXX XXXX from XX/XX/2021 every month until XX/XX/2021 contacted my bank they canceled my card and then told me the charges were authorized But I didn't authorize them contacted XXXX and they said they need the account info to refund it bur I've never had a XXXX account
Product: Credit reporting or other personal consumer reports

I'm a victim of identity theft and fraud. Someone gained access all of my personal identifying information and the issue continues to this day. I was just alerted that my information was exposed in an XXXX data breach in XXXX. 

- A XXXXXXXX XXXX credit card was opened online using my information and an erroneous address that did not belong to me. I was not aware of the account until I checked my credit reports. I called XXXX multiple times and was continuously transferred until I was disconnected. I filed a police report and identity theft report. I have filed at least 10 police and identity theft reports. XXXX would not accept or acknowledge anything relating to identity theft and fraud. This debt is not mine and I will not pay it. Please help.
Product: Consumer Loan

I took a loan with Avant online. The amount was {$20000.00} and the payment was {$840.00} a month. The interest over 35 %. At the time I thought I could handle it but I have come to a point that I can not. 
I knew the interest was high but where else could I get a loan? no where. I have paid on it for 18months and paid over {$16000.00}. Only I am shown as having paid {$5000.00} to principal. The interest will be way over {$28000.00}. I ask if they could lower the payment of the interest. They told me they could lower it to {$640.00} a month. That does n't really help. I do n't understand how they can charge such a large interest rate. How could I ever pay it off and what will they do to me? I know other loan companies have gotten in to trouble with interest rates like that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am insured on a vehicle with my son through XXXX XXXX. The Auto policy just renewed, but a Driving history was obtained via LexisNexis Risk Solutions. Upon reviewing the driving history, I am concerned about Not at Fault accident ( XX/XX/XXXX ) and a Comp Coverage Claim < XXXX ( XX/XX/XXXX ) that pulled up on me. 

This was a claim that I was forced to file with my primary auto insurance ( not with XXXX  ) by my health insurance. I endured shoulder damage when I pulled up into a friend 's truck that was parked in a public location on XX/XX/XXXX. Since an auto was involved, was told it had to be primary and my health insurance secondary. 

The above incident was the only claim I made in XXXX and it was on Comprehensive. Did replace a windshield in Spring XXXX. 

I do not feel that the above incident should affect my driving history report in a negative manner, esp when claim was NOT made on said policy or with said company.
Product: Checking or savings account

We have been banking with Suncoast credit union for over 3 years now. Recently they have been refusing to release our check deposits until they have been held for 14 days. This is not 1 check but multiple. The cherry on top was that we have received an XXXX loan, and the bank marked as fraudulent and was going to send it back to the department of treasury AFTER holding it for 72 hours. They never contacted us, we had to contact them. They seem like they are holding onto people money to accrue interest for themselves. They keep doing this to us and unfortunately we fear our money is no longer safe with them so we will be switching banks. I have seen others recently having the same issue specifically at my branch, all you have to do is look up reviews for suncoast credit union on XXXX XXXX in XXXX XXXX XXXX fl. The deposit literally says from the department of treasury so XXXX not seeing how they flagged that as fraudulent.