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 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 XXXX XXXX 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 for these violations.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. If you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$6100.00} XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$720.00} XXXX XXXX  XX/XX/2023 XXXX  XX/XX/2023
Product: Credit card or prepaid card

This dispute is involving XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) and Wells Fargo Bank, N.A ( Wells Fargo ). 

On XXXX XX/XX/2022, I was approved for a balance transfer totaling {$5000.00} from Wells Fargo. The {$5000.00} was supposed to be paid to my XXXX Credit Card balance. The total balance for my XXXX Credit Card was just over {$10000.00} when this balance transfer was approved. On XXXX XX/XX/2022, I received my Wells Fargo XXXX credit card in the mail with the outstanding balance of {$4900.00}. Fast forward to today 's date, XXXX XX/XX/2022, the balance for my XXXX XXXX has not reflected the payoff amount that was supposed to come from Wells Fargo and still holds the {$10000.00} balance. 

I contacted a representative from Wells Fargo customer service team and was told that the funds were electronically deposited into a XXXX XXXX XXXX account for {$5000.00} on XXXX XX/XX/2022. I do not have an auto loan with XXXX so I called XXXX XXXX  customer service and was told that there is no Auto Loan account with my information and that they have not received any funds from Wells Fargo. I then contacted Wells Fargo again and spoke to another rep. After explaining my situation again, this time I was told that this issue will be looked into and I will hear back from a service agent within 90 days. When asked for a dispute number that I can reference, I was told that there was not one and that there will be a note in my file. How do I truly know that my situation is being worked on if there is no way to reference my issue? 

XXXX XXXX  is denying to have the funds, while Wells Fargo is adamant that the funds were successfully deposited. In the meantime, I am responsible for making payments for an extra {$5000.00} that I never received, in addition to taking the hit on my credit score due to an extra {$5000.00} balance that popped up.
Product: Mortgage

in complaint XXXX i asked for the activity log from XXXX  to present you refused to supply the documents you stated its a duplicate identify the case number and the documents you sent in the duplicate request
Product: Credit card

I called the American Express toll free number and spoke with the representative about any accounts that may have been made under my name or social and found that somebody had been using the last four of my social security number which is considered the serial number of a social having different identification numbers than mine for the first five. 
The woman explained that it pulled up a name XXXX XXXX and there was an active account with my last four. 
I asked to freeze or close account and flag for identity theft but the woman would not help me and disconnected call. I believe there are other accounts in my name or under my private information and the accounts are used to launder money in my name or simply to steal money that I didn't know about.
Product: Checking or savings account

My name is XXXX XXXX XXXX XXXX and my complaint is against the Bank of America with the Merchant Account service. I opened an account with them to be able to make charges for the services provided by my moving company named XXXX XXXX XXXX. 
When carrying out my first transaction on XXXX XXXX, 2019 for an amount of XXXX, the client 's card declined me in two occasions but on the third occasion the transaction went smoothly and on the next day the bank gave me availability of that sum without any trouble. On XXXX XXXX, 2019 I made another service to another client for XXXX and they put the money on hold, on XX/XX/XXXX I made a third service to another different client for XXXX also putting this amount on hold. I call the bank worried and the answer they give me is that this money is under investigation for the alleged first two transactions that had declined. I argued that these last two transactions had nothing to do with the first service charged since there are three different clients. They told me that I was under investigation and without further explanation and that if I wanted me to close the account that they had 180 days to review and that all the transactions I made were not going to give me my money. Several days went by and after receiving no response I kept trying to solve the problem but they always evaded me and none gave me a solution so I told them to tell me where their offices were to go and nothing gave me just an email to which I sent All the documents of my company, of the company to which I am subcontracted which is the one that gives me the contracts, send the three contracts of the three clients, the invoices signed by the clients. A few days later I called and they told me to let them work, so lethally and I told them that please check if they had received my documents they said no, rectify the email and it was correct but resend everything again and nothing like this happened a few weeks until They call me to tell me they won't give me that money without further explanation. I have had many problems as a result of this I was a month without paying my debts since I had the availability of that money and I need to finish solving this situation. 
My merchant account information Account Number XXXX Address XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX FL, XXXX Phone XXXX
Product: Debt collection

On XX/XX/2022, I contacted Associated Collectors , Inc . and requested validation for my debt along with how the interests were accrued. On XX/XX/2022, Associated Collectors just sent a bill from XXXX XXXX XXXX. XXXX XXXX XXXX bill showed XXXX. Associated Collectors , Inc is reporting to Credit Bureaus I owe XXXX. I did not have a contract with XXXX XXXX XXXX that came with interest.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on. for 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 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX Account XXXX XXXX XXXX XX/XX/XXXX late payment was reported XXXXXXXX Account # : XXXX XXXX XXXX late payment was reported XXXX XXXX  Account # : XXXX XX/XX/XXXX late payment was reported XXXXXXXX XXXX Account # XXXX XXXX Date Opened : XX/XX/XXXX 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. 

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons.
Product: Checking or savings account

XXXX, a division of BOKF, NA ( the " Bank '' ), is the trustee for a Special Needs Trust ( the " Trust '' ) which was established for the care of a XXXX injured individual ( the Decedent ) who XXXX away suddenly and unexpectedly in XXXX XXXX. The Bank is in regular communication with the father and caretaker of the Decedent ( the Caretaker XXXX, and knows the Caretaker gave up employment opportunities and dedicated himself to the care of his now-deceased son for the last decade. The Bank knows that the Caretakers sole income was a stipend he earned as Caretaker, which the Trust stopped paying after the XXXX of the XXXX. The Caretaker is the primary beneficiary of the Trust.
The Bank has unfairly and unreasonably delayed closing the Trust and disbursing the remaining funds to the beneficiaries of the Trust. The Bank has also refused to reimburse the Caretaker for trust expenses the Caretaker paid out of pocket over the last decade. The Bank misled the Caretaker by indicating it would reimburse his expenses after paying a healthcare lien, yet the lien was paid in  XXXX XXXX and the Bank has not reimbursed the trust expenses paid by the Caretaker. 

In addition, the Bank refuses to communicate with the Caretaker about basic daily administrative items such as vehicle and home insurance for Trust assets. Caretaker lives in a home owned by the Trust and drove a vehicle owned by the Trust until he was forced to report it as a planned non-operational vehicle based on a lack of communication from the Bank about auto insurance. 

The Bank is unreasonably and wrongfully delaying disbursement of the Trust proceeds to the beneficiaries. It is unfairly maintaining control of Trust assets and has made deceptive representations about reimbursing the Caretaker. The Bank is required to file a final accounting in order to dissolve the Trust, has not done so over nine months after the XXXX of the Decedent, and ignores all inquiries about when the document will be filed. 

In fact, in the last communication it had with the Caretaker, via e-mail on XXXX XXXX, XXXX, the Bank admitted it was having difficulty complying with California regulations because it was unfamiliar with California law, stating, I am trying to get this wrapped up as quickly as I can, but am not as familiar with navigating the California rules as I am with Kansas or Missouri. As such, it appears the Bank is misleading consumers by offering services in numerous states when it is unqualified to do so in a competent manner.
Product: Credit reporting

I have notice per credit report that XXXX reports that I owe XXXX for cellular services. I have never had an account with XXXX. They have not sent me any documents nor was I provided a contract with my signature or acknowledgement of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 an account without my written instructions. 

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TRANSUNION NAMES : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX COLLECTIONS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX ADDRESSES : XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX NAMES : XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX  XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX EMPLOYERS : XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/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 XXXX XX/XX/XXXX COLLECTIONS : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have a closed account with capital one I paid of the amount with the collection company I would pay the full amount as long as its updated with with paid in full on my credit they agree when I called back 30 days later the collection company and capital told me there is nothing I can do to go dispute it my self and this is with a record agreement
Product: Credit card

I received an email from an unknown person and it said that they had my XXXX card number. Which they did, they put the entire number on the email which is the only alarming part about this whole thing. It was a scammer saying that they found this information on a XXXX website, which Ive never paid for or put my card number into ever, they also said that they had a video of me while watching XXXX and that they would send this out to my closest friends if I didnt send them {$1000.00} on bitcoin. I normally do not fall for this or even click on the link, however, this was a bit different because they had my card number correct thats the only reason I am going through this process.
Product: Debt collection

IC System is reporting incorrect negative information on my credit file.I recently received a copy of my credit file and noticed that IC SYSTEM is reporting a collection on my credit from XXXX. According to the Fair Credit Reporting Act ( hereafter referred to as FCRA ) Section 609 ( a ) ( 1 ) ( A ), You are required by federal law to verify through the physical verification of the original signed consumer contract all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. 

Therefore, I am demanding to see verifiable proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed I am absolutely certain that the item is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not  send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter
Product: Student loan

Dear Sirs/Madame : My student loan payment should resume XX/XX/XXXX because I made advanced payments. I have logged into my EdFinancial account several times in XXXX and XX/XX/XXXX, to make the XX/XX/XXXX payment when I was notified. I paid XXXX. However, I have tried calling several times to inquire why I am being billed in XXXX, when I made advanced payments, which should have resumed my repayment schedule on XX/XX/XXXX. I have left messages for a call back and have not received a call back. I have sent internal messages through this website with no response. I entered a final message today XX/XX/XXXX on XXXX XXXX XXXXThankYou I would like to speak with an account manager regarding my student loan. 
Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided XXXX and Experian with inaccuracies that they are reporting on my credit report. I have sent screenshots of the updated report from XXXX to Experian and XXXX  so that they can follow accordingly. Experian and XXXX have not updated my credit report. They are ignoring my notices and I have resulted to complain on both Experian and XXXX as a result. I'm informing them that the inaccuracies that they are reporting are not the same and need to be removed from my credit report. I am providing screenshots of my XXXX  report to show that Experian and XXXX need to remove the inaccurate information.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the date 30 days late as of XX/XX/2015 and XX/XX/2015. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which requires consumer reporting agencies to conduct a reasonable reinvestigation of disputed information on credit reports. Despite my submission of clear evidence supporting inaccuracies, Experian has neither corrected nor removed the disputed items, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, highlighting systemic violations of the FCRA, including : Failing to forward consumer-provided evidence to furnishers during dispute investigations, as required under 15 U.S.C. 1681i ( a ) ( 2 ). Accepting incomplete or unreliable responses from furnishers, in violation of 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies maintain maximum possible accuracy. Failing to provide consumers with proper notification of dispute outcomes, as required by 15 U.S.C. 1681i ( a ) ( 6 ). These issues align with my personal experience, where Experian has neglected its duty to perform a thorough reinvestigation of my disputes, as mandated by federal law. The companys failure to take appropriate corrective action has caused ongoing harm to my credit standing and violates my rights as a consumer under the FCRA. I am requesting immediate corrective action to remove or rectify the disputed accounts and provide a detailed explanation of the investigation process, including any communication with data furnishers. Experians failure to comply with its legal obligations has had significant financial consequences for me. If this matter is not resolved promptly, I will explore further legal remedies to ensure my rights are upheld.
Product: Credit card

I have permanently opted out of financial solicitations by following the directions for pre screen opt out and submitting that removal in writing. It has been successful in that I no longer receive solicitations. However, since opening a loan account with PNC Bank XXXX XXXX XXXX, they send me credit card solicitations at least monthly. I have called them each time and requested removal. They have either pretended to cancel or directed me toward the opt out steps ( which I took years ago. ) They are harassing me and will not respect my request by phone to be removed from their solicitation list. It is a waste of mail and time. They send XXXX copies each time - me and my husband. They may even be committing a crime by soliciting to someone who has permanently opted out of pre screen credit card offers. No amount of begging and pleading by phone has gotten them to stop.
Product: Checking or savings account

On Saturday XX/XX/XXXX, the day before Hurricane Irma hit the State of Florida, I attempted to withdraw cash from the XXXX XXXX XXXX, XXXX FL XXXX Wells Fargo ATM. My password for the debit card was completely removed from the system. The games with Wells Fargo and my password have been going on for years. While trying to contact another branch to obtain needed cash, they sent one of their minions who I have on video tape. 

I am looking for a response from Well Fargo on why my password was removed from the system right before the hurricane. I also want to put in writing to the CFPB that registered letter XXXX XXXX sent on XX/XX/XXXX to your Director, XXXX XXXX was signed by the " Obama Family '' and disappeared to a XXXX zip code that is non forwarding post office. I also sent a certified letter XXXX to your Director and that letter was disappeared. 

Kindly request a response from Wells Fargo on the who and why decided to trigger the password deletion on Wells Fargo end. 


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

in accordance with the Fair Credit Reporting act 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 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 with antedates the report by more than seven years.

15 U.S.C 168s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX I would like a full credit report from Trans Union XXXX XXXX XXXX and my Full XX/XX/XXXXXXXX FILE. I have be unable to get my file from the website for some reason. I have attached my ID SS card and Proof of address please send my credit file report.
Product: Checking or savings account

Money take from my account to satisfy a debt was not credited to my account the year was 2009