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 proce 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 card

I'm begging you please update my account. Please update my account and remove the inaccurate late payment. I always pay on time and never missed a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information was compromised due to XXXX  data breach in XXXX and also compromised due to covid-19 when I did not have a stationary address between XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN is to use this complaint as official notice that EXPERIAN is now civilly liable by reporting XXXX I have issued a CEASE AND DESIST to XXXX and any communication is a violation of my consumer rights. EXPERIAN is to adhere to this CEASE AND DESIST or be prosecuted to the fullest extent of the law according to the FCRA.
Product: Credit reporting or other personal consumer reports

I would like to follow up about the unresolved issue in my dispute previously also I would like to express my sustained dissatisfaction and frustration. Despite these concerted efforts, the fraudulent items persist, causing significant distress and financial uncertainty. This situation not only jeopardizes my trust in your company but also raises concerns about the effectiveness of your fraud prevention and resolution procedures. I implore you to conduct a thorough and expedited investigation into this matter and take immediate action to remove the fraudulent items from my account. Additionally, I request clear communication regarding the steps your company is taking to prevent similar incidents in the future. If this matter is not resolved satisfactorily within the specified timeframe from the date of this letter, I may be compelled to explore alternative avenues, including reporting the issue to relevant regulatory authorities and seeking legal counsel. Therfore, I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX MA XXXX ; XXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$8000.00} ; XXXX XXXX Balance Owed : {$500.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$650.00} ; XXXX  XXXX Balance Owed : {$610.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$8000.00} ; XXXX XXXX Balance Owed : {$500.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX  Balance Owed : {$730.00} ; XXXX XXXX XXXX XXXX  Balance Owed : {$860.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$8000.00} ; XXXX  XXXX Balance Owed : {$650.00}.
Product: Debt collection

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. XXXX. Proof that the original creditor securitized the debt. XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried unsuccessfully today ( XX/XX/2017 ) to have Equifax correct their data entry error regarding the incorrect spelling of my name on my credit report, and they refused, asking me to submit documentation as to who I am. I refused, because there is sufficient information for them to correct it without documents. This is causing consumers to not be able to access my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Issue with Freedom Mortgage. 

An online payment did not go through, and they failed to notify me of the late payment until it was over 30 days past, resulting in bad credit report. They refuse to acknowledge any glitch/error. Upon contacting them they now falsely claim that they contacted me. My phone logs shows they did not. They never left a voicemail, never mailed anything, emailed me. The only positive contact made was on XX/XX/2020 for a payment due on XX/XX/2020 that did not go through online.
Product: Credit reporting or other personal consumer reports

Capital one banking I called to close my account because they put my account on restricted so I could no longer make payments on the card then it kept adding additional late fees to my account I called the company multiple times to tell them it won't let me make payments and it keeps taking my money when I do and not giving it back or adding it to the card I need this account terminated ASAP thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX main was reported to be removed off my credit report by experian now its listed as remains. Also XXXX XXXX with their incorrect information on my credit report is stopping me from getting a vehicle something i desperately need. Life asset have no idea. XXXX XXXX knew they got paid & tmobile was supposed to pay to remaining balance. XXXX XXXX XXXX I asked for original contract. Never sent it
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance : {$20000.00} ; XXXX XXXX Balance : {$6200.00} ; XXXX XXXX XXXX Balance : {$13000.00} ; 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 card or prepaid card

There are 4 transactions posted on my Discover Bank Credit Card : - XXXX SC   - # XXXX XXXX FL - {$1000.00} - XXXX, XX/XX/XXXX - XXXX SC - # XXXX XXXX FL - {$500.00} - XXXX, XX/XX/XXXX - XXXX SC - # XXXX XXXX FL - {$500.00} - XXXX, XX/XX/XXXX - XXXX SC - # XXXX XXXX FL - {$930.00} - XXXX, XX/XX/XXXX - Adjustment - Interest Charge - {$55.00} These charges are not valid they are fraudulent! I disputed them but Discover will not remove the charges. Also they are refusing to send me out a new card. This has to be illegal to do to someone.
Product: Credit card

ON XX/XX/XXXX I WAS AT A PLACE CALLED XXXX XXXX AT XXXX XXXX XXXX XXXX FL XXXX PH XXXX AT THE CASHIER - WAS TRYING TO PAY FOR REPAIRSS TO MY XX/XX/XXXX XXXX MOTORCYCLE AND THEY SAID THEY WANTED TO MAKE COPIES OF MY CREDIT CARD FRONT AND BACK AND A COPY WITH MY FLORIDA DRIVER LIC - I SAID NO - BUT THEY SAID IT WAS POLICY AND THEY DID THIS TO ALL CUSTOMERS - I BELEIVE THIS IS A BAD AND POSSIBLE ID THEFT AND FRAUD IN THE MAKING - YOU NEED TO INVESTAGATE THESE PEOPLE BEFORE THEY STILL PEOPLES MONEY AND ID ETC
Product: Student loan

hello this complaint is in regards to XXXX, i called earlier today to request help with options on getting on track with my past due which was XXXX dollars i told her i could pay XXXX dollars today, due to being in the hospital and being off work, the agent was not helpful and was being rude so i hung up and didn't call back at all, then today at XXXX XXXX my local central time i get a call from the agent from her personal cell number cursing me out and she left me a voicemail, my concern is has my social and personal information been compromised, she needs to be fired!!! she took the time to call from her personal phone number & left me a voicemail after hours!! she needs to be fired!! my biggest concern is my personal information, this needs to be looked further into! what kind of workers do they have handling our personal information!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX XXXX, via XXXX XXXX and XXXX XXXX on several occasions to inform them that they opened credit card account with STOLEN information. Now they have sold the account to Halsted Financial Services , LLC I have provided a police report that states that my driver 's license was stolen. However, the response I have received states that the address on the license, is the same as what is on the account. 
No surprise given that this account was opened using stolen information. Because you have been unable to show me the drivers license used to open this account, I have retained legal counsel and can prove that I was NOT present nor living in the country at the time this account was opened and maintained with other accounts that were also opened fraudulently. We have direct communication from the banks to this effect. 
I have filed a new police report against XXXX XXXX XXXX, via XXXX  XXXX and XXXX XXXX and Halsted Financial Services , LLC stating that you used stolen documents and information to open this account.
Product: Checking or savings account

On or about XX/XX/ WELLS FARGO automatically and unlawfully froze my checking account ending in XXXX with a faulty fraud detection program, and then gave me little recourse when there was, in fact, no fraud. WELLS FARGO failed to live up to its legal obligations for a wire transfer. WELLS FARGO engaged in unfair and abusive acts and practices that resulted in me losing access to my life savings and not getting my protected government ( XXXX  ) benefits, when I needed the money the most. Instead of conducting reasonable investigations, it implemented a fraud filter with a simple set of flags that automatically triggered an account freeze, which happened in my account being frozen. This set a low bar to freeze and the bank also retroactively applied its fraud filter to deny me wire transfers, which left me in the lurch. According to the UCC - ARTICLE 4A - FUNDS TRANSFER and under the Electronic Fund Transfer Act, consumers are protected when they use electronic methods to transfer money ; this includes ACH deposits.

Protections include that after a consumer contacts the financial institution that there has been an error, the financial institution must conduct a prompt, reasonable, and timely investigation. However, WELLS FARGO made it very difficult for me to unfreeze my account. I have been on hold for hours every day for weeks trying to talk to someone at the bank. Furthermore, the bank told me they had agents available 24 hours a day, seven days a week, when, in fact, it operated a more limited schedule for its call center.
Product: Credit card

I have the XXXX XXXX XXXX XXXX XXXX XXXX from First National Bank of Omaha and under my XXXX XXXX offer I was entitled to XXXX XXXX XXXX Bonus Points if I spent {$5000.00} or more before the closing of the XX/XX/2023 statement. 

According to their terms, the bonus would be posted at the closing of the XX/XX/2023 statement. 

I met the requirement in XX/XX/2023 by spending a total of {$5000.00} but I didn't receive the XXXXXXXX XXXX XXXX bonus points I was entitled to in XXXX. 

When I called customer service they were dismissive and unwilling to help.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Government Efficiency ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : My academic records and personally identifiable information ( PII ).

My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.

My IRS tax transcripts, which were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

Given the severity of this breach and the direct impact on my financial security and privacy, I demand the following corrective actions : Immediate discharge and cancellation of all my federal student loans due to the breach of my financial aid and tax records, which invalidates the integrity of my loan agreements.

A formal investigation into this data breach, including details on how my records were accessed, who accessed them, and for what purpose.

A full report on the extent of my data exposure and the corrective measures being implemented to prevent future violations.

Immediate notification to all major credit bureaus ( XXXX, Experian, XXXX, and XXXX XXXX ) to place a fraud alert and investigate any unauthorized activity that may have resulted from this breach.

This breach has caused significant distress and concern regarding the security of my personal and financial data. If my demands are not met within 30 days, I will be left with no choice but to escalate this matter through legal channels, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal action against the responsible parties.

I request a written response addressing these concerns and outlining the immediate actions being taken to remedy this situation. Please direct all correspondence to the address listed above.

Thank you for your prompt attention to this urgent matter. I look forward to your immediate response and resolution.
Product: Checking or savings account

I have been charged several NSF fees to my account and the transactions were declined by the NC State Employee Credit Union. One of the transaction was for my life insurance with the credit union. This charge was attempted twice and declined. I was charge the NSF fee both times. Can the credit union charge an NSF fee and decline the charge? 

I was also charged a NSF fee from the Company for the returned payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The : following items need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$510.00}, XXXX XXXX XXXX XXXX Balance : {$30000.00}, XXXX XXXX XXXX XXXX XXXX : {$40000.00}, XXXX XXXX XXXX Balance : {$1400.00}, XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$40000.00}, XXXX  XXXX Balance : {$30000.00}XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX Balance : {$30000.00}, XXXX XXXX XXXX XXXX XXXX : {$40000.00}, XXXX XXXX XXXX Balance : {$1100.00}, XXXX XXXX XXXX Balance : {$1400.00}, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX has a garnishment on my wages and have started to garnish my paycheck for a credit card debt that they had a default judgement on I have called them on XX/XX/XXXX to discuss and talked to a man who said his name was XXXX XXXX who stated that he could not talk to me about my account because there was an internal review on it I called XXXX funding back on XX/XX/XXXX and talked to the same person who stated that I needed to contact the attorney XXXX XXXX which I have called her on XX/XX/XXXX left a message no return phone call from the attorney after further research I had created an account XXXX to resolve this account and the account is not in the system my tax return was garnished for XXXX of XXXX which the court has a copy of also my tax return for XXXX was garnished in the amount of XXXX the court does not have a copy of XXXX garnishment of XXXX now my wages are being garnished for an amount of XXXX and no one is able to discuss my account with me but they are able to garnish my wages. I believe XXXX XXXX is overcharging me and they will not discuss my account with me I don't understand how XXXXXXXX XXXX a huge debt collector can't discuss my account with me and the attorney they hired will not answer the phone and my account seems to be a ghost since I can't even see what is owed or what was paid but they are able to garnish my wages and not speak to me about it I went to the courthouse and ordered the file and have found that there was no Account level documentation in that file alls there was, was an affidavit from a XXXX XXXX saying I owe this money. A distressed consumer with nowhere to turn.
Product: Bank account or service

I XXXXhad made dposite in my wife acount didnte to do that now they holding it and my job already verify funds so i dont see the big issuse i need this resolved. Now thats my check. ..
Product: Debt collection

This complaint is not about repeated phone calls, but rather repeated information subpoenas to my bank and my job. On XX/XX/XXXX of last year, I was contacted by email by XXXX XXXX, Esq.at Asset Pursuit about a judgement entered against me in XX/XX/XXXX. I was coerced into signing it by an acquaintance, XXXX XXXX, who illegally rented his condo to me. When the condo board found out, they informed him he had 10 days to get the illegal tenant out of the building. I was behind on rent but I was making a good faith effort to get back on track. I wasn't evicted. During this time, XXXX XXXX harassed me with both the threat of XXXX XXXX XXXXXXXX XXXX. 

Asset Pursuit is XXXX XXXX 's third attempt to collect on this judgement. XXXX XXXX requested a complete record of my banking statements dating back to the first of the year. I complied. I also enlisted the help of XXXX XXXX XXXX XXXX because I am almost XXXX XXXX XXXX and XXXX. After I submitted all the documents, XXXX XXXX asked me what I could pay his client. My lawyer advised to state that I wasn't in a position to settle because my income barely met my expenses. 

Since the beginning of this year, I have received the following information subpoenas to my bank : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX an information subpoena to my job XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX That is a total of XXXX information subpoenas in less than a year, to a XXXX XXXX XXXX XXXX woman who works part-time. I would think by now that Asset Pursuit has a very clear picture of my finances. It must also be clear that I am not hiding assets. At this juncture, it is harassment and intentional infliction of emotional damage. I am asking that they be stopped. I am asking for my legal right to privacy. I am tired of being surveilled. This has been going on for almost a year. My income hasn't changed -- in fact it has gone down because Social Security reduced my benefits. 

Thank you for your time and patience. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I called the attorney that represent the agency and made an offer, because I was served on XX/XX/2021. They would not settle. The account was sold to a collection company and the amount is incorrect. Going to court will take time and money and will cause a bigger set back for me due to my current situation.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found two late payments on the date below : 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Vehicle loan or lease

I am struggling to make payments on my vehicle since loosing my job because of the pandemic. Ive been reaching out to the company, Ally. They arent willing to continue helping. They expressed if I make 2 consecutive payments I would qualify. Ive exhausted borrowing money ( that is impossible to repay ) from family. Its depressing and embarrassing to be in this position. Many ways people are being helped during this time, owning and repaying vehicle isnt one thats has been addressed for help.