23daVinci/CFPB_Complaints huggingface dataset:
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 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 ( 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 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 reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of identity theft resulting from a recent data breach. I am requesting that you block and delete all fraudulent accounts and inquiries associated with my credit file, as permitted under 15 USC 1681c-2 of the Fair Credit Reporting Act ( FCRA ).

Attached to this letter, you will find the following documents to support my claim : A copy of my government-issued identification ( e.g., driver 's license or passport ) A copy of a recent utility bill or other proof of address A copy of the Identity Theft Report filed with [ name of law enforcement agency ] A list of accounts and inquiries that I believe to be fraudulent Please take immediate action to block the information identified in the enclosed documents from my credit report and delete it permanently, as required by law. I also request that you provide me with a confirmation letter detailing the actions you have taken.

If you need any additional information or documentation to process this request, please contact me at [ your phone number ] or [ your email address ].

Thank you for your prompt attention to this matter.
Product: Mortgage

On XXXX XXXX I submitted an application for a Home Mortgage with Movement Mortgage. On XXXX XXXX I was contacted by XXXX XXXX, stating that he received by information and that he was working on my application. On XXXX XXXX I was sent an email from his assistant XXXX XXXX, she requested various sensitive documents from me. In addition, on XX/XX/XXXX, I spoke with XXXX via email regarding my loan, and I advised him when to contact me should he need additional information. XXXX XXXX I received a call from XXXX XXXX, requesting I upload a photo ID. XXXX XXXX I received an email from XXXX requesting documentation, I went to the movement mortgage website uploaded a host of documents, I followed up with XXXX and XXXX XXXX XXXX, XXXX informs me via voicemail that she still needs more documentation ( the same documents I sent her prior ) I emailed her explaining what was sent and what was uploaded on the website. I followed up with XXXX on XX/XX/XXXX, I get a response XXXX XXXX asking for more documentation and for me to send paystubs and another W2 because one wasn't clear. I uploaded all requested documents to the Movement mortgage website, I emailed XXXX on XXXX XXXX for follow up. The only response I got from XXXX was where he copied me in on email to assistant asking if she got written verification forms about my income.This process started over one month ago, unless it was initiated by me, I never received any correspondence updates on the status of my loan. Each time I contacted XXXX or XXXX, they needed more documents. I never received clear communication on status of my application. Therefore I came to the conclusion that Movement mortgage had no intention on ever processing my application approving me for a mortgage. Very sensitive information was sent to this company and they never moved forward with the mortgage approval process.
Product: Checking or savings account

I filed a complaint. XXXX ; Richard Owens Vs Bank of the West. on XX/XX/2023, the Bank of the West now BMO retaliated and closed my business account. This was done because of my race and retaliation for me filing a complaint.
Product: Mortgage

On XX/XX/2020 I was approved by PNC Mortgage for a {$260000.00} mortgage loan to purchase a condominium at XXXX XXXX  XXXX XXXX, XXXX XXXX, Ohio XXXX. 
On XXXX XXXX I received a call from the PNC loan officer, XXXX XXXX, telling me that my loan was disapproved. 
The closing on the purchase of my condo was scheduled for XXXX XXXX and for the sale of my house in XXXX, Ohio was scheduled to close on XXXX XXXX. 
This left me only 3 days to find and arrange for {$260000.00} to be wired to XXXX XXXX XXXX XXXX XXXX on XXXX XXXX so that we could purchase and move into the condo. 
On XXXX XXXX my wife, XXXX, and I met with XXXX XXXX, the PNC XXXX Branch Manager, in person get the many documents I loaned to the mortgage officer, and to pick up a written statement ( " Notice of Adverse Action '' ) of why the PNC Mortgage company waited until the " XXXX hour '' to tell me on XXXX XXXX that I would not get the loan they approved on XX/XX/XXXX. 
I was met by a security guard, the PNC branch XXXX and a PNC " witness '', for the 15 minute meeting, and the Branch Manager, XXXX XXXX, who we have known and banked with for 20 years, made no apologies, and gave no written or verbal explanation of why we were notified only 3 days before we closed on the purchase of the condo. The notice of adverse action from PNC only stated that my income from self-employment decreased in 2020. 
My wife spoke up and then XXXX said the situation was unfortunate. We received only a short written statement from PNC saying that because I was XXXX   and my income was lower in XXXX  ( due to COVID-19 ) that I was not approved for the loan. 
If I was not able to get the {$260000.00} from other sources in 3 days ( by XXXX XXXX ) my wife and I would not have a home to live in after the sale and closing of our former house at XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX. 
With gratitude, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Utilization is an experience with the line of credit that was extended between the consumer ( XXXX ) and the person ( YOU ) XXXX XXXX XXXX XXXX that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

YOU HAVE VIOLATED THE FCRA 15 USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Failure to respond satisfactory with deletion of the above utilization, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non-Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance 616.

Civil Liability for willful noncompliance [ 15 U.S.C 1681n ] Cc : Consumer Financial Protection Bureau XXXX : Attorney General 's Office Cc : XXXX XXXX XXXX XXXX : FTC XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Both the credit bureau and the furnisher of information are legally obligated to investigate your dispute. XXXX  XXXX XXXX Reported on XX/XX/XXXX Original Creditor Name XXXX PP L {$1700.00} XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX TransUnion Result : Verified As Accurate and Updated - It looks like this item is actually correct and that it's going to stay on your credit report, but info has been updated to reflect recent activity. 
Dispute Reason Ownership : I have no knowledge of this account. 
Dispute Results From TransUnion : TransUnion received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. Please review the results carefully. 
If you're not satisfied with these results you can go to TransUnion 's site and submit a Request for Investigation. You'll be able to attach supporting documents to your dispute and ask TransUnion to add an explanatory statement to your credit report. 
When contacting TransUnion, provide your current file number : XXXX. Mail : TransUnion XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Phone : XXXX
Product: Credit reporting or other personal consumer reports

**Attn : Billing Inquiries** **Re : Urgent Notice of Disputed Charge to Account No. [ XXXX ] ** Dear [ Contact Person or Billing Inquiries Division ], I am writing to formally dispute an erroneous charge of {$600.00} on my credit account dated XX/XX/year>. This charge was made as a result of identity theft, and the debt in question was supposed to have been cleared. 

As a valued customer, I would like to quickly resolve this matter. I urge you to correct this error immediately, reverse any associated finance or other charges related to the disputed amount, and provide me with an accurate and updated statement reflecting these changes. 

Thank you for your immediate attention to this pressing issue. I look forward to your swift response and resolution.
Product: Credit card

I paid this card off last week ( XX/XX/year> ). I requested information a few days after about closing this account as its no longer needed. I dont have an end date listed for the account. They instead gave me information on late fees. I requested again information to close it. They havent responded and charged me interest on a paid off account.
Product: Vehicle loan or lease

When Wells Fargo migrated Well Fargo Auto to WellsFargo.com my birthdate was incorrectly entered in the system ( as confirmed by Wells Fargo customer service ). This prevents me from accessing my account and account information online. **I do not receive statements of payment** of my loan and can not see history of payment, all I see is that my bank account is getting drafted every month. 

When I called Wells Fargo to get this resolved, after multiple hours on the phone no one was able to help me or change the information associated with the loan.
Product: Credit card or prepaid card

On XX/XX/XXXX we used a promotional 0 % financing option with Synchrony Bank to purchase a mattress at a local retailer. I was under the impression the offer was for 24 months. In the course of the sale, I did not pause to read the entire contract. I signed it. 

I set up regular monthly payments. I was receiving paper bills at first, but a few months later, requested online statements. I tried to set up my account on the Synchrony website, but had trouble. I did n't worry about it because I believed I had 24 months. The contract I signed unknowingly was for 12 months. 

By the time the promotional offer expired, on XX/XX/XXXX, I had paid off {$2300.00} of the original {$3200.00} price of the mattress. But I missed the deadline, which was at XXXX. They speak of a 30-day grace period, which ended XXXX, on XXXX XXXX. On XX/XX/XXXX, I logged on and saw a {$920.00} interest charge added to the bill. I immediately called the company and spoke to three different levels of management ( so I was told ). They explained to me that when that expiration date passed, I became responsible for interest from the day I purchased the mattress, at 29.99 %, for the full price of the mattress. I am aghast. I had by that time paid off more than 2/3 of the mattress price. ( There had been a couple of exchanges of the original mattress, with a credit of the original amount, followed by an increase, which was handled as an additional purchase. That created two expiration dates, one even earlier than the other. I had been billed interest for a couple months already! ) I do n't understand how a credit card company is allowed by law to place a consumer in such a precarious position. It feels like a case of predatory lending. I was set up to fail. Why are they not required to send me an email prior to the end of the promotional period? Why do they not send me an explanation of how a second promotional expiration date was created when we exchanged one mattress for another? Now I 'm being asked to pay an extra {$920.00} in interest, with nothing to show for it. I have never encountered a company that was n't willing to work with me, especially when my intentions were clearly good as I paid monthly and had almost paid off the bill. This is an enormous financial burden for me. I am hoping for some sort of alternate resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are fraudulent inquiries and inaccurate account infromation on my report
Product: Credit reporting or other personal consumer reports

I have noticed several unfamiliar items on my credit report, which leads me to believe my identity may have been compromised, as I did not authorize these accounts. I have raised this issue previously and am now requesting that these accounts be removed from my report promptly. Their presence is causing significant stress and misrepresents my true credit history and financial management. This situation has been challenging, and if it is not resolved, I am prepared to take legal action to protect my rights and seek a resolution. 

These incorrect items are severely impacting my financial goals, including buying a home and supporting my family. I trust that we can address this issue swiftly.
Product: Credit card or prepaid card

On XXXX/XXXX/17 I called Home Shopping Network ( HSN ) at XXXX to order an item for {$49.00}. XXXX, the representative, told me if I opened an HSN credit card I could take {$40.00} off my total. I agreed and she processed my order. I then asked her what the interest rate was on the credit card. She replied that after we were finished, I should not hang up ; I would be transferred to a recorded message and terms would be disclosed. We finished and I did hear a recorded message about the account, but there was NO MENTION of the APR, or any other financial information about the account. Only when I received the card with the agreement in the mail did I learn the interest rate is 27.74 %.
I have attempted to email HSN at least ten times through different " Email Us '' links on their website, and using two different browsers. No email will go through.
Product: Checking or savings account

In accordance with uniform commerical code section XXXX the right to dispute charges on my banking account. Upon return from Basic training with the US military, Id located charges on my banking account for XXXX wireless. The only phone provider I have is with XXXX wireless which is provided by my aunt and uncle so no payments should be coming out. Upone review I contacted PNC bank to inform them that my bank account had become compromised with sprint wireless charges. I wrote a statement attesting to the fact and mailed it to PNC. PNC has failed to open and assist with the disputes of the fraudlent charges. I did not consent to XXXX debiting my account, As protected consumer that is a natural person as defined in Title 15 US Code 1692 ( e ) ( 5 ). I am rescining any credit my credit card issued by the social secuirty administration has extended to PNC for failing to protect my banking account while I enlisted to serve this great country. I expect the fradulent charges to be revered to my checking account.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items 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 XXXX XXXX XXXX XXXX XXXX  These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting or other personal consumer reports

My account with 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 60 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 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 XXXX
Product: Credit reporting or other personal consumer reports

I'm writing this letter to inform you I have found inaccurate information on my credit report. The following information is fraudulent and I have no relationship to it. 


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

I have an account with  XXXX   XXXX  that was paid and closed in  XXXX . For some reason, they started reporting the account again in  XXXX , even though it was paid off in  XXXX , and the account closed. Both Equifax and   XXXX   are still reporting the account.  XXXX  says it will stay on reporting until  XXXX . This account should be gone from my records.
Product: Credit reporting, credit repair services, or other personal consumer reports

At this time, I respectfully request a copy of my Experian, XXXX and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX. Your professional cooperation will be greatly appreciated. 
XXXX XXXX
Product: Credit reporting

I notified Transunion on XXXX/XXXX/XXXX in the XXXX .I spoke with a phone Representative stating that I had been a Victim of their resent inquiry issue. I went over every inquiry and was told that the issue would be deleted and removed from my report in a couple of days. The representative was very apologetic of this matter .I resently pulled my Transunion report again .I noticed Transunion have not deleted nor removed inquiries.I feel Transunion is not being accountable for making this mistake .It 's very upsetting that I was a Victim of this issue and nothing is being done about it. 
XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX report XXXX days delinquent on my credit report. I requested to remove. 
XXXX XXXXXXXX. XXXX XXXX report XXXX  days delinquent. I requested to remove. 
XXXX XXXX XXXX  XXXX XXXX report XXXX  days delinquent. I requested to remove. 
XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX reported me XXXX, XXXX, XXXX, XXXX days delinquent. I asked to remove. 
XXXX XXXX, XXXX XXXX reporting late payments every month. I requested to remove. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX reporting delinquent on payments XXXX, XXXX XXXX days. I requested to remove. 
XXXX XXXXXXXX reporting XXXX days delinquent on my credit report. I requested to remove. 

these banks are all reporting and violating 15 USC 1681 section 602 section 604a section 2
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never financed a vehicle before in my life. I worked at a car dealership as a XXXX XXXX and regularly endorsed contracts. A loan belonging to two customers went bad and the finance company attached their loan to my personal credit because the corporation had a guarantee. I have asked the finance company numerous times to correct this with no regard. I asked them to produce a sales contract of me buying a car which they ignore because it does not exist. Now my child has XXXX and I need to finance a car and cant because of the Malicious error.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights. 
-15 U.S.C 1681 section 602 A. States that I have a right to privacy.

- 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 permission.

- 15 U.S.C 1692C : There is abundant evidence of the use of abusive, deceptive, and unfairdebtcollection practices by manydebtcollectors. Abusivedebtcollection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.