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 customer practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card

I opened an AARP CHASE Visa credit card account and wanted to set up e mail notification of when my balance is due and when payment has been received. When I went on CHASE 's site there was a message that this already had been done. Knowing that I had not set this up I phoned CHASE 's XXXX number customer assistance. I was told the conversation would be recorded and replied that that was acceptable as along as I could record the conversation too. The customer service representative told me CHASE does not give customers consent to record. My response was that I do not give CHASE permission to record and was told without my giving this permission she could not speak with me. I wrote to XXXX XXXX, Chairman and CEO of JP Morgan CHASE and detailed the problem. I received back a letter from the Executive office stating " We do not give customers consent to record ''. The letter also stated " Chase did not CREATE a username, password, or online profile for your AARP account ''. The letter stated the profile was established in XX/XX/XXXX when I took out an auto loan with CHASE. CHASE 's records show that this account was logged into in XX/XX/XXXX. CHASE states " as a convenience to customers and for ease of use, all new accounts for our customers are automatically linked to their preexisting online profile. When the AARP credit card account was opened, it was automatically linked to my preexisting online profile. '' It would have been extremely helpful if CHASE had notified me by e mail that this had been set up. In all of my transactions with credit card companies none have done this all of my accounts are independent and established by me. Upon contacting CHASE 's executive office and requesting to speak with the individual that sent the letter I was told CHASE was recording and I could not. This matter is not yet resolved and my e mail notification with CHASE has not been established.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent TransUnion a letter disputing an account ( XXXX XXXX ) listed on my report with TransUnion, I believe to be inaccurate. Based on my certified mailing tracking record number XXXX they received the letter on XX/XX/2020. It is now XX/XX/2020 and I have received no response at all. By not replying in a timely manner to my initial letter TransUnion has not only violated federal law ( FCRA ) not responding within 30 days, but has also failed to provide me with a copy of any viable evidence showing the account is being reported accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im disappointed! I already tryied to fix my credit history and I send few times of complaints to you. These accounts not belong to me I think that someone have my personal information
Product: Money transfer, virtual currency, or money service

Due to a wire fraud, we sent out two wires on XX/XX/2020 to SunTrust Bank at XXXX XXXX XXXX, California, Maryland totaling {$31000.00} - {$19000.00} from XXXX XXXX and {$12000.00} from XXXX XXXX XXXX. The money is still in the scammer 's account with SunTrust Bank and a hold has been placed on the account on XX/XX/2020. Our banks in XXXX XXXX, California contacted SunTrust Bank but they denied cooperating with them. They offered no explanation or assistance in resolving the problem.
Product: Credit reporting or other personal consumer reports

XXXX Years ago a joint checking and savings account was opened between my wife and I and at the time it included a reserve credit. Late in XXXX we were notified via email, I believe, that the account would be closed. I called to see what this was in relation to and was told due to inactivity it would be closed. If I wanted it to remain open I could simply transfer {$25.00} dollars into checking account. I did this over the phone with the rep online. Since then, in my error, I did not payback the {$25.00}. I have several XXXX XXXX  XXXX accounts and all have been paid timely. This payment was a complete oversight. I was never alerted, contacted or made aware of the late payment that was due but anyone taking a look at my account would be alerted that all other accounts were in good standing and clearly this payment of $ XXXX was just missed. 

After the XXXX Days this account was closed and written off ( Around XX/XX/XXXX ). Never any information from XXXX XXXX XXXXXXXX regarding this. No alerts, no paper mail and no Email notifications. Junk mail was also scanned while on the phone with a rep at XXXX point and none of them ever made it to an inbox. 

In fact the only reason I was even alerted of this was because I was denied a loan and found that XXXX had reported late payments and a write off. Within days the outstanding {$27.00} ( $ XXXX ) was paid and am awaiting this to make credit reporting. Credit score always over XXXX was now down near XXXX but recent late payments were flagged on the account. 

Reached out to XXXX XXXX XXXXXXXX to see if they could assist and was met XXXX a very friendly rep who assured me that this could be fixed. Shortly after that first phone call the reps that contacted me were less helpful, accusatory and stating that this was my error and XXXX XXXX  XXXX did what they had to do and this was my problem. My credit impacted for 7 years over a simple {$25.00} error. There were several calls into BOA and no resolution was ever offered. The account is paid off with interest and it is very clear to anyone looking that this was an error and not avoidance of a payment. 

However, XXXX XXXX XXXXXXXX refused to assist on my behalf ( customer with multiple accounts for over 20 years ) with any remedy. No understanding, no explanation of any part, This was our fault and XXXX XXXX XXXX could and would not assist. When asked about guardrails or alerts it was never answered and the finger was always pointed back in our direction. 

This mistake was our oversight and understand that we missed this payment for months but it was simply a mistake and an error. A mistake that has been remedied but the damage to credit score is done and I find it very hard to believe that XXXX XXXX XXXX on its customers behalf can not offer a single solution to improving this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a victim of identity theft and I'm suffering punitive damages. I've mailed you multiple letters to the bureaus and companies and this hasn't been resolved. These accounts are all fraudulent and need to be removed. XXXX  XXXX- {$25000.00}. Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. The companies above violated my rights by informing consumers that I allegedly owe an account with amount on it to XXXX, XXXX XXXX Transunion. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all XXXX violations. Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by collectors, and I have been abused and deceived. So be it. The companies listed above is falsely publicizing an account addressed to me on XXXX, XXXX XXXX Transunion with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. The companies above has published my information publicly on XXXX, XXXX & Transunion including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. Fact, 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. The companies above has published an account they have of mine on XXXX, XXXX XXXX Transunion. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. Fact, XXXX is aware and has proof in attachment labeled as exhibit A and the companies above. So their violation. Like some of the laws that are already common law is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer should not stay set that such consumer owes any debt. The companies above has published an account they have of mine on the companies above. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations.
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me XXXX  XXXX, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Product: Debt collection

See attatched USAA Mastercard statement ending XXXX closing date XX/XX/XXXX. I DID NOT APPLY FOR OR AUTHORIZE THIS ACCOUNT USAA OPENED. 1 ) ** PROVIDE. ORIGINAL WRITTEN DOCUMENTATION TO VERIFY THIS IS/WAS AUTHORIZED BY ME TO OPEN THIS ACCOUNT. THE DEBT FROM THIS ACCOUNT IS NOT MINE. See attatched XX/XX/XXXX Collection Letter of card ending XXXX THIS IS NOT NEVER HAS BEEN MY ACCOUNT. 2 ) ** PROVIDE ORIGINAL WRITTEN PROOF THIS IS/WAS MY ACCOUNT AUTHORIZED TO USAA TO OPEN IN MY NAME.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX # XXXX XXXX XXXX {$0.00}
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 confidentiality under 15 USC 1681. 
Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items 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-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: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX Balanced {$0.00} XXXX XXXX XXXXXXXX XXXX Balanced {$0.00} XXXX XX/XX/year> XXXXXXXX XXXX XXXXXX/XX/year>
Product: Debt collection

Please help CFPB and take this seriously, there is derogatory information that is being reported on my personal credit file that is wrong and is making it difficult to find traditional work and secure credit. I have an unverified account from SYNCB/PAYPAL showing a charge off of {$1500.00} from 2011 which I have brought to the consumer credit bureau 's multiple times. They are also reporting that any potential employer is responsible to place a payroll deduction to collect this debt. I had previously disputed this account. I have never done business with SYNCB/PAYPAL. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that SYNCB/PAYPAL provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that SYNCB/PAYPAL Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit card or prepaid card

I was supposed to stay at the XXXX XXXXXXXX XXXX in XXXX from XX/XX/XXXX - XX/XX/XXXX. My trip was from XXXX, XXXX, to XXXX. 

On XX/XX/XXXX, the XXXX XXXX told me I'm unable to enter XXXX due to a lockdown. See news : https : XXXX. Immediately, I called the hotel in XXXX and XXXX to ask for refunds. I was given by XXXX hotel, but not the XXXX XXXX hotel in XXXX. Because of the lockdown and my train tickets, I was unable to leave XXXX to go to XXXX and hence, was unable to enter XXXX. Going to XXXX would require me to pay additional fees or an extremely high-priced plane ticket. The hotel refused to refund me due to an unexpected lockdown that prohibited me from traveling there. 

They refuse to give me my {$340.00} back. 

I have filed a billing dispute with Bank of America. After speaking to their customer representative, they told me the merchant was still fighting the refund and the representative did not assure me the dispute would be resolve in my favor. They seemed to side with the hotel despite the fact that I was locked from entering the country via the train I was supposed to travel on. I also told the representative I had proof of documentation, but said I could not upload it or send it along. I'm very worried Bank of America won't be in my favor on this issue and want to express my concern. The call with the customer service representative did not put me at ease and they did not communicate that they would advocate for me despite the fact that I was affected by the lockdown and hence could not travel to XXXX. 

I need my {$340.00} back due to an unexpected circumstance, as described above.
Product: Money transfer, virtual currency, or money service

I have a XXXX account that was linked to my PNC bank account for a year with no issues. Today when I needed to use it I'm getting a message that PNC is preventing the connection. In checking with PNC, they are telling me that it should be working and it is on XXXX 's side since PNC sent the code to me to verify the connection. XXXX does not list PNC as a bank to link for finances. 
Currently, the perception is that PNC is blocking XXXX to force people to use the PNC XXXX  app for money transfers. 
Someone is XXXX  things up and not being honest and I need to make some other like to make this payment happen.
Product: Mortgage

My loan was recently purchased by Loan Care, it was previously owned and serviced my XXXX. 
As of XX/XX/XXXX my monthly mortgage payment went from a very manageable {$1800.00} and change to {$2600.00}. 
Loan care said its because Im {$9000.00} + behind on my escrows and because of an increase in my flood, homeowners, and taxes. 
XXXX XXXX, because I was on a HARP refi, kept my payment down to keep us in the home with a loan modification and an escrow spread of 60 months. 
LoanCare is spreading my escrows over 25 months, with other parts of my escrow account over 36 months, and other parts over one year, to my understanding. 
I could be wrong. 
My point is, the payment went waaaay up and I need it to be more manageable and they will not compromise even a little. 
I think Loan Scare wants to force us to foreclose. 
Real Estate is at a premium these days, I think theyre acting in bad faith. 
I asked them to spread those amounts over 60 months if possible, and they told me the lender will only do 25 months on the shortage and 36 months on the others. 
However, my figures show they are collecting an extra {$300.00} a month. 
I know that servicing companies and mortgage lenders dont need to increase your payment in that manner. 
My increase is almost thirty percent. 
That just about kills my monthly budget. 
We paid ourXX/XX/XXXX paymentXX/XX/XXXX, but now still owe XX/XX/XXXX and XX/XX/XXXX. 
I dont think they should be allowed to do this.
Product: Checking or savings account

{$20000.00} was deposited into my account in 4 four transactions to repay a loan to me. The money was in the account on XX/XX/scrub> 2024 and on the XXXX I had no access to the account. I called TD bank and was told that the account was demarketed. They would not tell me what happened or how to get my money back. The money was a legitimate loan repayment to me.
Product: Mortgage

Nationstar Mortgage, dba Mr Cooper had paid the wrong insurance company for my XXXX mortgage insurance. The correct insurance was eventually paid, but after the refund and adjustment my escrow is now short {$5000.00} and I inquired where the monies over what was paid went. In the 27 days my first inquiry I have not heard from the Mr Cooper company nor have they returned my calls/.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 
XXXX XXXX XXXX XXXXXXXX RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. 

Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681 ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. 

Failure to adhere to these requirements constitutes a violation of federal law. 

I hereby request that XXXX : 1. Conduct a thorough reinvestigation of the following disputed accounts or items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 

Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 

If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 

Sincerely, XXXX XXXX XXXX
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. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items 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-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: Vehicle loan or lease

I have contacted Bridgecrest several times about the status of my account with them. On 3 different reporting agencies, my account is reporting different information, 2 of which are reporting closed/charge-off accounts, and XXXX is reporting a higher balance of XXXX. I called Bridgecrest in XXXXXXXX XXXX XXXXXXXX, and inquired about the inaccuracies on my account the representative reported to me that that was inaccurate and that the actual balance was XXXX. If the account is reported as a charge off then the creditor has filed a XXXX / XXXX Cancelation of Debt with the IRS and has also sold the car back in XXXX and didn't send me written notice of the remaining balance of the loan. According to 15 U.S.C 1605 the Finance Charge is the Sum of all charges and I have paid that Finance charge and more to this account, and they have also charged off this account and are still trying to collect on the debt that has been canceled with the XXXXXXXX XXXX thus this debt is paid in full to Bridgecrest! Bridgecrest is unlawfully reporting to All three credit bureaus as a negative account and the Open account is negatively affecting my credit and causing me harm. As a result of their unfair practices, I am unable to obtain the car and Credit that I'm in need of.