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 redress for these vi
olations.
Product: Credit card

I responded to an email I received that appeared to be from a well-known and often shopped store " XXXX XXXX '' to complete a customer satisfaction survey. Thinking I was dealing with XXXX XXXX, I completed the survey. As a reward for completing the survey, " XXXX XXXX '' offered free merchandise. XXXX of the items offered was a colon cleansing product which I picked as my free reward. After completing the page requesting the product, I was asked for my credit card info to pay {$4.00} for shipping and handling. At NO TIME did the offer say anything other than it was a free offer for completing the aforementioned survey. I decided to give my credit card information for the {$4.00} shipping and handling fee as XXXX XXXX is a well known and trusted merchant. As soon as that information was submitted, the web page " disappeared ''. I could not return to the survey page, the free offer page or the credit submission page. There was no information available as to the company that would be shipping the product or any way to contact that company to question or cancel the order. 
The only thing received to date are the unapproved charges ( XXXX separate charges in the amounts of {$44.00}, {$79.00}, {$94.00}, {$85.00} plus {$1.00}, {$2.00} and {$2.00} for " foreign transfer fees '' ) to our credit card. No product was ever received. We filed a claim with Bank of American on the first XXXX charges ( as they were the first to show on our statement ) Bank of America said they would look into the charges, and subsequently dropped them from our statement. On the following statement, XXXX more charged were incurred. When we contacted Bank of America on these charges they once again agreed to look into them but now the response from Bank of America is : " We requested and received a copy of the sale ( s ) slip the merchant provided as verification of the charge ( s ). '' I contacted Bank of America by telephone to explain again that there was never any product shipped and I had only approved a {$4.00} charge for shipping and handling for the " Free Offer '' product. Again, they responded by mail that, after further investigation, they have receipts for XXXX of the charges {$94.00} and {$85.00} and we would be responsible for paying. Now Bank of America is reopening the dispute on the first XXXX charges as well.
Product: Checking or savings account

I am a customer of Wells Fargo, and I made a certified Cashier 's check in the amount of {$5000.00} payable to XXXX XXXX. On the week prior to XXXX, I mailed the check to XXXX XXXX XXXX XXXX XXXX NJ to pay my credit card balance, but XXXX XXXX never received the payment. On XX/XX/, I went to my local Wells Fargo XXXX in XXXX, NC to stop the payment on the check thinking that the check was lost in the mail. XXXX " XXXX XXXX '' was assisting me with the process. XXXX saw that the check was negotiated to someone named " XXXX XXXX '' I showed him a copy of the original check that it was payable to " XXXX XXXX '' We decided to open a fraud investigation. Wells Fargo fraud handling team 's opened a case ( XXXX ) Wells Fargo rep and banker told me that the case will be resolved within 30 business days, and I will receive my funds within 10 business days. I wanted to report the fraud to law enforcement. On XX/XX/, I called the fraud claims center to collect information about where the check was negotiated in order to notify the proper law enforcement agency. The rep I spoke with did not have any information. However, they mentioned that the investigator handling my case should. I requested to speak with the investigator and was told that the investigator will call me at my phone number. On XX/XX/, I called back for updates on the claim as I had not received any phone call. The rep said that the investigator attempted to contact me with no success. I mentioned that I never received any phone call or voicemail. The rep put in another request for the investigator to call me back. the 10 days mark passed by, and I did not receive my funds back, nor did I get any updates or phone call. On XX/XX/, I called the claims center again and insisted on speaking with the investigator. The rep said that I should fill out the affidavit and send it to Wells Fargo. I mentioned that I never received any paperwork and that I still had not received any phone call from the investigator. The rep said that the investigator attempted to contact me a few times even though there was never any voicemail or messages received. I went to my local branch and expressed my frustration. The banker " XXXX XXXX '' helped me get the affidavit form by email. I also filed a complaint with Wells Fargo Executive team about how my case was handled with complete negligence and lack of transparency. Wells Fargo Executive team opened a case XXXX. After investigating the fraud case, I finally got the response that the check was negotiated at a XXXX XXXX XXXX, and I had to wait up to 120 days for a response from that bank. I insisted that I wanted to know where the altered check was negotiated, so I could notify law enforcement in that jurisdiction. Unfortunately, Wells Fargo did not want to find out nor give me any information on that. I insisted that it is crucial to file a report with law enforcement about the crime that was committed to prevent other customers from having the same situation. Wells Fargo did not seem to care for their customers, and their lack of competence and transparency is the reason why I have not received my funds back.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, my bank pulled my credit report, which showed an educational loan in collections with a reported balance of {$12000.00}. The bank also informed me that this debt was only appearing on 2 of the 3 credit bureaus. I disputed the debt with XXXX on XX/XX/XXXX, and on XX/XX/XXXX, they responded that the loan was valid. 
On XX/XX/year>, I contacted my school, XXXX XXXXXXXX XXXX, to inquire about the loan. The representative informed me that she couldnt see any record of the loan going to collections but said she would escalate the issue. On XX/XX/XXXX, I received an email from the school stating that my XXXX XXXX was with Heartland ECSI. 
Later that week, I called ECSI, they requested I update my information, and was told they could not provide any validation of the debt they can only direct me to log into their website using this updated information I provided them, where I found a banner indicating that the loan had been sent to XXXX XXXX for collections. I called ECSI again that week, and they confirmed that the loan must go through XXXX XXXX, and I needed to work with them to resolve it. 
When I contacted XXXX XXXX, they told me they had no account under my name and refused to provide any written confirmation stating that I have no account with them. Despite this, the loan is still appearing on my credit report. 
I also attempted to dispute the debt with XXXX, but when I went to check my account, I couldnt find the loan reported there at all, so I was unable to initiate a dispute with them. 
None of the parties involvedXXXX XXXX, ECSI, or XXXXXXXX XXXXhave provided any proof or validation that this debt is valid or that I am responsible for it. Yet, the loan remains on my credit report, which is negatively affecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD without question someone has assumed my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputing late payments reported for XXXX XXXX XXXX on credit reports. On time payments were made. Report payment history with an X to represent Unknown or delete XXXX XXXX XXXX account in entirety from credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report, I notice an account from SYNCB/BrandsMart that XXXX believe is not being reported correctly on my credit report. On XX/XX/2022, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2022, ( See Attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the XXXX credit bureaus ( See Attached ), along with my incident report ( See Attached ), asking them to verify or remove the negative report on my credit report that SYNCB/BrandsMart were reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you for help me with this matter.
Product: Credit reporting or other personal consumer reports

lam fling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
US DEPT ED XXXX Balance : {$2100.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$1100.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$7400.00} Date Opened : XX/XX/XXXX US DEPT ED 4XXXX Balance : {$4100.00} Date Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX PHYS XXXX ) XXXX Balance : {$650.00} Charge Off XXXX XXXX Balance : {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

please review the following accounts that appear on my credit report, without any authorization, do not belong to me. 

Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft WF/XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 
XXXX XXXX  Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up on the Equifax application to view my credit report and to my disbelief Ive been impersonated in which someone has opened or attempted to open several accounts in my name without my consent. This is completely illegal, i have reported it to my local precinct however was told i will also need to report it to the FTC and credit bureaus. The following account was not authorized by me and is Fraud, XXXX XXXX XXXX. Ive also never applied for anything as i am new to credit, so the following inquiries are also Fraudulent, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX Please remove this fraudulent information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nationwide Acceptace, dba XXXX XXXX, is reporting that my payment is 30-59 days past due and I owe {$66.00} but the balance was paid in full on XX/XX/19.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I reviewed my Experian credit report and found inaccurate information for XXXX XXXX  XXXX XXXX accounts ( # XXXX and # XXXX ). These accounts were updated the same day with inconsistent balances and dates : Account # XXXX : Balance of {$4400.00} with a balance date of XX/XX/XXXX. 
Account # XXXX : Balance of {$4900.00} with a balance date of XX/XX/XXXX. 
Both accounts are reported as " over the credit limit '' despite being previously transferred to collections. 

I have filed multiple disputes directly with Experian, requesting documentation from Bank of America to verify these balances and a detailed explanation of their verification process. Experian has failed to provide this information, violating F

CRA 611 ( a ) ( 1 ) and 611 ( a ) ( 2 ). Additionally, Experian appears to rely on automated sys
tems, such as e-OSCAR, without conducting a proper manual review, perpetuating inaccuracies. I have also filed formal complaints with the FTC regarding Experians negligence. 

This ongoing reporting has caused harm to my credit profile and restricted my ability to access credit on favorable terms. I am requesting that Experian delete these accounts immediately if they can not verify the information.
Product: Debt collection

This is a third party debt collector who purchased the debt. and has been attempting to collect claiming to be acting on the behalf of the other company who sold the debt after their insurance paid the debt, and i explained to the previous company that my identity was used without my knowledge. and further i asked this company to produce a contract where i personally agreed to do business or contract with them. and they have not done so, also according to the truth in lending act they have to have an agreement in order to collect on a debt they can't simply purchase my information and then force me to pay it furthermore the original creditor was compensated through their bonded insurance and now they are profiting again by selling my information which constitutes identity theft.
Product: Checking or savings account

I tried to use a Capital One debit card XXXX times at a bank in XXXX on XX/XX/2022, but the transactions did not process. A few days later I noticed Capital One had posted that I had withdrawn {$630.00} ( XXXX Euro ) - which I had not. I contacted Capital One and filed a fraud claim. Because of the time stamp on the transaction and the fact it said I had made XXXX withdrawals in less than XXXX seconds from XXXX branches of a bank in XXXX that are XXXX minutes away from one another, I believed someone had my info and was making fraudulent transactions. As it turns out Capital One had decided to pull funds from my account even though the ATM had given me a " Transaction not possible at this time '' message and I never received the money. 

The Capital One customer service people have been less than helpful. I was told my claim was denied and I'd have to prove I did not get the cash. Proving something didn't happen is a difficult task. Well I have witnesses, but that was not good enough for them. I'm being treated like a liar and a thief, trying to scam Capital one. No one at Capital One charged with investigating did anything. The customer service staff is obviously trained to say no to every claim and try to frustrate customers into just giving up. I wonder how much profits are generated by this strategy? I have found online many people complaining of similar issues with Capital One. 

XXXXXXXX XXXX  in XXXX has confirmed the three attempts to make a transaction had each failed. They provided supporting documents, which have been shared with Capital One. So I have witnesses and the bank in XXXX is in writing backing my claim. I never got the money, but Capital One took it from my account. Instead of helping resolve the issue, Capital One just doesn't respond. Why is it that a bank in XXXX that I don't have any relationship with has provided better customer service than Capital One, where I've had an account for more than a decade? 

They took my money in seconds and have not returned it weeks later. Moreover, they have denied my claim even though I have proof I did not receive the funds.
Product: Credit card

There was an incident with CitiMortgage ( see CFPB Complaint # XXXX ) that caused inadvertent negative credit reporting which CitiMortgage has since agreed to remove. However, as a result CitiBank who backs my Home Depot credit card reviewed my credit worthiness during the time frame in which the negative error reporting was taking place immediately reduced my credit limit to the balance of the credit card itself which makes it appear as though I now have a maxed out credit card which also reduces my credit score even further. I have maintained excellent credit worthiness throughout my life until this incident happened and I think I have been a valuable customer to Home Depot and Citibank. Also, during this time I had a cell phone stolen with my account personal checking and savings accounts inside. As a result, my bank had to temporarily block all credit and debits on my account until the issues were resolved which they were.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX, XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

Subject : XXXX XXXX XXXX XXXX XXXX XXXX XXXX for FCRA XXXX Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against XXXX XXXX XXXX XXXX ( NFCU ) for violations of the Fair Credit Reporting Act ( FCRA ), specifically under XXXX XXXX Code XXXX ( a ) ( XXXX ), as well as for reporting inaccurate and misleading information related to my account. These violations have significantly and unfairly impacted my XXXX XXXX, and despite my initial dispute filed on XX/XX/year>, XXXX XXXX has failed to address or correct the inaccuracies. 

Violations and Issues 1.Unauthorized Access to My Credit Report XXXX XXXX accessed my credit report without my written consent after initial approval of loan and after the account was closed and paid off. This constitutes a clear violation of 15 U.S. Code 1681b ( a ) ( 2 ), which requires that entities must have a permissible purpose or written authorization to access a consumers credit report. 

XXXX Reporting of Loan Terms and Account XXXX XXXX XXXX has reported incorrect loan terms acocrding to open and close date for this account, which fails to align with the actual loan agreement. 
The length of time the account is being reported is incorrect, further demonstrating negligence in maintaining accurate records as required under the FCRA. 
XXXX of Redeemed Repossession Notes After Account Closure XXXX XXXX added redeemed repossession notes to the account after the loan was paid in full and closed and went against agreement made at time of redemption. This misleading reporting is inaccurate and unjustly portrays a negative status on the account. 
4.Inaccurate Late Payments Due to Insurance-Related Delays XXXX XXXX has reported inaccurate late payments that occurred during the time my vehicle was fraudulently stolen. These payments were delayed because they were being held by the insurance company during their investigation. 
Under the FCRA, credit reporting agencies and creditors are required to report only accurate and verifiable information, which has not occurred in this case. 
5.Failure to Correct Errors After Dispute I disputed these inaccuracies directly with XXXX XXXX XXXX XX/XX/year>. To date, they have failed to respond or correct the errors in violation of FCRA XXXX, which requires a timely investigation and resolution of disputes.
Product: Bank account or service

I have not received an Interest Statement for XXXX from XXXX for account ending in # XXXX. After much trouble fromChase, I managed to close this account in XXXX this year. 
However, it should have earned interest in XXXX, when it was stillactive, as well as for two months this year. After receiving the checkto close the account from XXXX XXXX XXXX, Vice-President for ChaseAcccount Services, I wrote her a letter, dated XXXX XXXX, XXXX, acknowledging receipt of the check and asking her to have theInterest Statement for XXXX sent to me. A month has passed, and Istill have not received the requested Interest Statement. 
I received Interest Statements from all other financial institutionswith which Ihave transactions in the United States in XXXX thisyear, without having to send any reminders or special requests. Ihave no idea whether this is more incompetence on Chase 's part orharrassment for the complaints I sent about its failure orunwillingness to get my slight change in address straight from XXXX to XXXX XXXX. 
In any case, I want the Interest Statement for XXXX sent to mepromptly. I also want Chase Bank to keep in mind that it willalso owe me a statement for XXXX, to be sent in XX/XX/XXXX.